PB Fintech Q1 results, quarter to Jun 2026
NSE: POLICYBZRBSE: 543390Financial Technology (Fintech)Mid Cap
PB Fintech Limited · Face value ₹2 Face value. The nominal value of one share as the company issued it, the unit its share capital is counted in and a dividend can be stated as a percentage of; it has no link to the share price. Face value in the glossary · Listed Nov 2021 · Issue price ₹980
Last close ₹988.00down ₹20.40 (2.02%)BSE ₹986.10
Share price at the NSE close on 28 Oct 2026. Previous close ₹1,008.40.
28 Oct: open ₹1,008.40, high ₹1,015.00, low ₹981.20
52-week range of traded prices to 28 Oct 2026
₹945.10Low, 5 Oct 2026₹1,964.20High, 9 Dec 2025
- Under NSE's short-term additional surveillance, stage I, on the list for 28 Oct 2026. The exchange puts a share here when its price has moved unusually, and trading in it carries extra conditions.
- Next results date: the board meets on 30 Oct 2026 to consider: financial results and other business matters. The notice · Results calendar
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price. The rank is by average market value over the six months to Jun 2026, among listed companies. Market capitalisation: how it is worked out
- ₹45,720 Cr144th largest listed
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit. Price to earnings, trailing: how it is worked out
- 61.10
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. Price to book: how it is worked out
- 6.25
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- Nonein the last 12 months
- ROEReturn on equity. Profit over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, as a percentage of their net worth, the money they have in the business. Net worth is the average of the latest balance sheet and the one a year before it.
- 10.9%
- ROCEReturn on capital employed. Operating profit after depreciation (revenue less operating expenses and depreciation, without other income and one-off items) as a percentage of all the money the business runs on: the whole group's net worth, the other owners of its subsidiaries included, plus borrowings. Lease liabilities are not counted: the results filings do not state them. The profit is over the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly); net worth and borrowings are on the latest balance sheet.
- 6.4%
- Debt to equityDebt to equity. Borrowings divided by the whole group's net worth, the other owners of its subsidiaries included: rupees borrowed for each rupee of equity in the business. Lease liabilities are not counted: the results filings do not state them. From the balance sheet at the end of Mar 2026.
- 0.00
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day. Volume in the glossary
- 16,91,30342.2% delivered
PB Fintech filed its Q1 results for the quarter to Jun 2026 on 5 Aug 2026 at 7:19 pm, consolidated: the company and its subsidiaries together.
Q1 results, quarter to Jun 2026
- RevenueRevenue from operations. Money earned from selling the company's goods and services in the period. Revenue from operations in the glossary
- ₹1,888 Cr+40.1% on a year ago · −8.4% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, where the restatement covers two or more earlier quarters without saying which, or across a change of basis named under the table, on the lines it affects.
- Operating profitOperating profit before depreciation (EBITDA). Revenue less operating expenses: what the business earns from its operations before depreciation, interest and tax. Operating profit before depreciation (EBITDA) in the glossary
- ₹139 Cr+305.0% on a year ago · −36.2% on the quarter before
- Net profitNet profit. What is left of revenue and other income after every cost, interest and tax. Net profit in the glossary
- ₹163 Cr+92.5% on a year ago · −37.6% on the quarter before
- Earnings per shareEarnings per share. Profit belonging to shareholders divided by the number of shares, restated for later splits and bonuses so they do not break the line. Earnings per share in the glossary
- ₹3.53+90.8% on a year ago · −37.5% on the quarter beforeChange on a year ago and on the quarter before. The change against the same quarter a year before: (this quarter's figure less that quarter's) divided by that quarter's, times 100. The change on the quarter before is the same sum against the quarter just before, taken as this quarter's results restate it where the company restated it: this quarter's year to date less this quarter. Left out where either figure is a loss, on the quarter before wherever the profit of that quarter was restated, and across a change of basis named under the table, on the lines it affects.
- Operating marginOperating margin. Operating profit before depreciation as a percentage of revenue: how much of each rupee of sales is left after running costs. Operating margin in the glossary
- 7.4%
- Net marginNet margin. Net profit as a percentage of revenue: how much of each rupee of sales is left after every cost, interest and tax. Net margin in the glossary
- 8.6%
From revenue to net profit, ₹ crore
- Revenue1,888
- Employee costs−716
- Other expenses−1,033
- Operating profit139
- Depreciation−40
- Other income+93
- Finance costs−11
- Profit before tax181
- Tax−16
- Joint ventures−2.5
- Net profit163
PB Fintech results by quarter
Consolidated: the company and its subsidiaries together. Latest quarter to Jun 2026. Results for the quarter to Sep 2026 are due by 14 Nov 2026, 45 days after it ends. Every company's dates are on the results calendar.Results filings and date
Revenue and net profit by quarter, ₹ crore
- Revenue
- Net profit
- Loss
Peak revenue ₹2,061 Cr, quarter to Mar 2026; lowest ₹812 Cr, quarter to Sep 2023A loss in 1 of the 12 quarters shown
Operating and net margin by quarter, per cent
- Operating margin
- Net margin
| ₹ crore | Dec 2021Q3 | Mar 2022 | Jun 2022Q1 | Sep 2022 | Dec 2022Q3Filed 10 Feb | Mar 2023Filed 23 May | Jun 2023Q1Filed 7 Aug | Sep 2023 | Dec 2023Q3 | Mar 2024 | Jun 2024Q1 | Sep 2024 | Dec 2024Q3 | Mar 2025Q4Filed 15 May | Jun 2025Q1 | Sep 2025Q2 | Dec 2025Q3 | Mar 2026Q4 | Jun 2026Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 367 | 540 | 505 | 573 | 610 | 869 | 666 | 812 | 871 | 1,090 | 1,010 | 1,167 | 1,292 | 1,508 | 1,348 | 1,614 | 1,771 | 2,061 | 1,888 |
| Operating expenses. What the business spent to run itself in the period, materials, staff and other costs, before depreciation, interest and tax. Operating expenses in the glossary | 685 | 795 | 739 | 800 | 743 | 937 | 743 | 901 | 896 | 1,084 | 1,050 | 1,175 | 1,264 | 1,395 | 1,314 | 1,516 | 1,612 | 1,843 | 1,749 |
| Materials and goods boughtCost of materials and goods. Raw materials used and goods bought for resale in the period, adjusted for the change in stock held. Cost of materials and goods in the glossary | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Employee costsEmployee costs. Salaries, wages, bonuses and other benefits paid to staff in the period. Employee costs in the glossary | 395 | 374 | 382 | 410 | 356 | 391 | 384 | 423 | 398 | 440 | 455 | 508 | 487 | 508 | 560 | 600 | 607 | 699 | 716 |
| Other expensesOther expenses. Every operating cost besides materials and staff: power, rent, freight, repairs, marketing and the like. Other expenses in the glossary | 290 | 421 | 358 | 389 | 387 | 546 | 359 | 478 | 499 | 645 | 594 | 667 | 777 | 887 | 754 | 916 | 1,006 | 1,144 | 1,033 |
| Operating profit before depreciation | −317 | −255 | −234 | −226 | −133 | −68 | −77 | −89 | −25 | 5 | −39 | −8 | 28 | 113 | 34 | 98 | 159 | 218 | 139 |
| Operating margin | −86.4% | −47.2% | −46.4% | −39.4% | −21.8% | −7.8% | −11.6% | −11.0% | −2.9% | 0.5% | −3.9% | −0.7% | 2.1% | 7.5% | 2.6% | 6.1% | 9.0% | 10.6% | 7.4% |
| Depreciation and amortisationDepreciation and amortisation. The part of the cost of plant, buildings and other long-lived assets charged against each year they are used. Depreciation and amortisation in the glossary | 11 | 12 | 13 | 16 | 18 | 17 | 20 | 22 | 23 | 24 | 25 | 29 | 34 | 33 | 33 | 34 | 34 | 35 | 40 |
| Other incomeOther income. Income from outside the main business, such as interest on deposits, dividends received and gains on investments. Other income in the glossary | 34 | 51 | 47 | 60 | 69 | 82 | 91 | 97 | 94 | 98 | 100 | 106 | 100 | 101 | 99 | 85 | 85 | 104 | 93 |
| Finance costsFinance costs. Interest and the other costs of borrowing in the period. Finance costs in the glossary | 3 | 4 | 4 | 6 | 6 | 6 | 6 | 7 | 6 | 7 | 6 | 9 | 9 | 9 | 9 | 9 | 9 | 10 | 11 |
| Profit before one-off items and taxProfit before one-off items and tax. Profit before tax as it would be without the one-off items below it, as the company states it. Profit before one-off items and tax in the glossary | −298 | −220 | −204 | −187 | −87 | −9 | −12 | −21 | 39 | 73 | 30 | 60 | 85 | 172 | 91 | 139 | 201 | 278 | 181 |
| One-off itemsExceptional items. Gains or losses the company reports separately because they are not expected to recur, such as selling a business or writing down an asset. Exceptional items in the glossary | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 41 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | −298 | −220 | −204 | −187 | −87 | −9 | −12 | −21 | 39 | 73 | 71 | 60 | 85 | 172 | 91 | 139 | 201 | 278 | 181 |
| 0 | −1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13 | 11 | 9 | 14 | 1 | 8 | 7 | 12 | 11 | 16 | |
| Tax rateEffective tax rate. Tax charged as a percentage of profit before tax. Effective tax rate in the glossary | – | – | – | – | – | – | – | – | 0.0% | 17.3% | 15.3% | 15.5% | 15.9% | 0.5% | 8.5% | 5.1% | 5.8% | 3.9% | 8.7% |
| Share of profit of joint ventures and associatesShare of profit of joint ventures and associates. The group's share of the profit of companies it part-owns and does not consolidate, as stated. It is part of net profit but not of revenue or operating profit: their sales and costs are not in the group's lines. Share of profit of joint ventures and associates in the glossary | – | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −1 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 1 | −6 | −2 |
| −298 | −220 | −204 | −187 | −88 | −9 | −12 | −21 | 37 | 60 | 60 | 51 | 72 | 171 | 85 | 135 | 189 | 261 | 163 | |
| Other comprehensive incomeOther comprehensive income. Gains and losses booked straight to net worth rather than through profit, such as changes in the value of some investments, pension plans and currency translation. Other comprehensive income in the glossary | 1 | 0 | 2 | 3 | 1 | −3 | −2 | 1 | 0 | −3 | −4 | 1 | 2 | −7 | −3 | 10 | 2 | 3 | 2 |
| Total comprehensive incomeTotal comprehensive income. Net profit plus other comprehensive income. Total comprehensive income in the glossary | −297 | −220 | −202 | −184 | −87 | −13 | −14 | −20 | 38 | 58 | 56 | 52 | 74 | 164 | 82 | 145 | 191 | 264 | 164 |
| Net margin | −81.1% | −40.6% | −40.4% | −32.5% | −14.4% | −1.1% | −1.8% | −2.6% | 4.3% | 5.5% | 5.9% | 4.4% | 5.5% | 11.3% | 6.3% | 8.4% | 10.7% | 12.7% | 8.6% |
| Net margin without joint ventures and associatesNet margin without joint ventures and associates. Net profit less the share of profit of joint ventures and associates, as a percentage of revenue: the margin on the businesses whose revenue the statement carries. Shown where the company states such a share. Net margin without joint ventures and associates in the glossary | – | −40.6% | −40.4% | −32.6% | −14.3% | −1.1% | −1.8% | −2.6% | 4.4% | 5.6% | 5.9% | 4.3% | 5.5% | 11.3% | 6.2% | 8.2% | 10.7% | 13.0% | 8.8% |
| Earnings per share | −₹7.00 | −₹4.99 | −₹4.62 | −₹4.19 | −₹1.96 | −₹0.20 | −₹0.26 | −₹0.45 | ₹0.85 | ₹1.35 | ₹1.34 | ₹1.12 | ₹1.57 | ₹3.73 | ₹1.85 | ₹2.94 | ₹4.11 | ₹5.65 | ₹3.53 |
| Diluted earnings per shareDiluted earnings per share. Earnings per share counting the shares that options, warrants and convertible bonds already granted would add, on today's share count after splits and bonuses. Diluted earnings per share in the glossary | −₹7.00 | −₹4.99 | −₹4.62 | −₹4.19 | −₹1.96 | −₹0.20 | −₹0.26 | −₹0.45 | ₹0.83 | ₹1.31 | ₹1.31 | ₹1.09 | ₹1.55 | ₹3.67 | ₹1.82 | ₹2.89 | ₹4.08 | ₹5.61 | ₹3.50 |
Earnings per share in rupees, restated for later splits and bonuses.
Segment results by quarter
Consolidated, ₹ crore, quarters to Jun 2026.PB Fintech segment results by year
Insurance broker services
Revenue, ₹ croreProfit, ₹ croreOther services
Revenue, ₹ croreProfit, ₹ crore
| ₹ crore | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue of all businesses | 812 | 871 | 1,090 | 1,010 | 1,167 | 1,292 | 1,508 | 1,348 | 1,614 | 1,771 | 2,061 | 1,888 |
| Company revenue, as in its resultsCompany revenue. The company's revenue from operations for the period in its results, on the same accounts as its segments. It is below the businesses' sum where they sell to one another, or where the segments include a business the results report as discontinued. | 812 | 871 | 1,090 | 1,010 | 1,167 | 1,292 | 1,508 | 1,348 | 1,614 | 1,771 | 2,061 | 1,888 |
| Revenue | 632 | 697 | 915 | 845 | 999 | 1,132 | 1,322 | 1,187 | 1,428 | 1,574 | 1,901 | 1,728 |
| Revenue growthSegment revenue growth, year on year. The change in the segment's revenue from the same period a year before, as a percentage of that earlier revenue: a year against the year before, a quarter against the same quarter. Segment revenue growth, year on year in the glossary | – | – | – | 66.9% | 58.1% | 62.3% | 44.5% | 40.5% | 43.0% | 39.0% | 43.7% | 45.6% |
| ProfitSegment profit. What the business earned before tax and finance costs, as the company measures each of its businesses. Segment profit in the glossary | 24 | 62 | 138 | 108 | 141 | 157 | 274 | 201 | 188 | 235 | 302 | 207 |
| Profit growthSegment profit growth, year on year. The change in the segment's profit from the same period a year before, as a percentage of that earlier profit, left empty where either is a loss, since growth from or into a loss is not a percentage. Segment profit growth, year on year in the glossary | – | – | – | 198.8% | 494.5% | 154.8% | 98.9% | 86.0% | 33.3% | 49.2% | 10.2% | 2.5% |
| MarginSegment margin. Segment profit as a percentage of the segment's revenue. Segment margin in the glossary | 3.8% | 8.9% | 15.0% | 12.8% | 14.1% | 13.9% | 20.7% | 17.0% | 13.2% | 14.9% | 15.9% | 12.0% |
| AssetsSegment assets. What the company holds for this business at the period end: plant, stock, receivables and the like. Segment assets in the glossary | 1,804 | 2,149 | 2,350 | 2,584 | 2,945 | 3,093 | 3,077 | 3,278 | 3,734 | 4,058 | 4,194 | 4,531 |
| LiabilitiesSegment liabilities. What this business owes at the period end, such as payments due to suppliers. Segment liabilities in the glossary | 519 | 503 | 553 | 538 | 710 | 761 | 792 | 766 | 820 | 859 | 1,018 | 1,155 |
| Capital employedCapital employed in the segment. Segment assets less segment liabilities at the period end: the money tied up in this business. Capital employed in the segment in the glossary | 1,285 | 1,646 | 1,797 | 2,046 | 2,235 | 2,332 | 2,285 | 2,512 | 2,914 | 3,198 | 3,176 | 3,375 |
| Revenue | 180 | 174 | 175 | 165 | 168 | 160 | 185 | 161 | 185 | 198 | 161 | 160 |
Profit is before tax and finance costs, the way companies report their segments.