PB Fintech Limited — Investor Meet, 22-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

PB Fintech’s total insurance premium rose 37% YoY to ₹7,030 Cr in the quarter, supported by strong health segment growth and revived motor and travel insurance. Annual premium grew 45% to ₹23,486 Cr. Core insurance revenue increased 46%, while credit revenue declined 21%. Consolidated revenue reached ₹1,508 Cr, with PAT jumping from ₹64 Cr to ₹353 Cr and margin at 7% for the year. Health insurance fresh premium growth remains robust; savings business is expected to stay sluggish near term. Renewals and persistency aid margin expansion. The credit segment targets secured loans and tech-enabled collections, achieving a 7% adjusted EBITDA margin. UAE insurance business turned profitable. Management focuses on long-term growth through diversified core businesses and AI-driven customer engagement.