PB Fintech Ltd.
POLICYBZRFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
19 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 19 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220212 | 2021-12-31 | yes | |
| TRANSCRIPT | 20220601 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220815 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221112 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230217 | 2022-12-31 | yes | |
| TRANSCRIPT | 20230529 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230818 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231114 | 2023-09-30 | yes | |
| TRANSCRIPT | 20241111 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240206 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240515 | 2024-03-31 | yes | |
| TRANSCRIPT | 20240813 | 2024-06-30 | yes | |
| TRANSCRIPT | 20250201 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250522 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250807 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251104 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260206 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260512 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260811 | 2026-06-30 | yes |
POLICYBZR
files the standard Schedule III statements. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | general |
| Scope served | consolidated |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 1,207.20 |
| 52-week range | 1207.2 – 1957.3 |
| Return 1M | -32.87% |
| Return 3M | -25.26% |
| Return 1Y | -30.43% |
| Return 3Y | 62.64% |
| Return 5Y | not reported for this period |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 1,888.00 |
| Other income | 93.00 |
| Total income | 1,981.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 716.00 |
| Finance costs | 11.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | not disclosed | — |
| institutions foreign | 0.37 | -0.03 |
| institutions domestic | 0.40 | 0.04 |
| mutual funds | 0.28 | 0.02 |
| public | 1.00 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| TRANSCRIPT | 2026-06-30 | 19 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 573.00 | 610.00 | 869.00 | 666.00 | 812.00 | 871.00 | 1,090.00 | 1,010.00 | 1,167.00 | 1,292.00 | 1,508.00 | 1,348.00 | 1,614.00 | 1,771.00 | 2,061.00 | 1,888.00 |
| Other income | 60.00 | 69.00 | 82.00 | 91.00 | 97.00 | 94.00 | 98.00 | 100.00 | 106.00 | 100.00 | 101.00 | 99.00 | 85.00 | 85.00 | 104.00 | 93.00 |
| Total income | 634.00 | 679.00 | 951.00 | 757.00 | 909.00 | 965.00 | 1,188.00 | 1,111.00 | 1,273.00 | 1,392.00 | 1,609.00 | 1,447.00 | 1,698.00 | 1,856.00 | 2,166.00 | 1,981.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 410.00 | 356.00 | 391.00 | 384.00 | 423.00 | 398.00 | 440.00 | 455.00 | 508.00 | 487.00 | 508.00 | 560.00 | 600.00 | 607.00 | 699.00 | 716.00 |
| Finance costs | 6.00 | 6.00 | 6.00 | 6.00 | 7.00 | 6.00 | 7.00 | 6.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 10.00 | 11.00 |
| Depreciation and amortisation | 16.00 | 18.00 | 17.00 | 20.00 | 22.00 | 23.00 | 24.00 | 25.00 | 29.00 | 34.00 | 33.00 | 33.00 | 34.00 | 34.00 | 35.00 | 40.00 |
| Other expenses | 389.00 | 387.00 | 546.00 | 359.00 | 478.00 | 499.00 | 645.00 | 594.00 | 667.00 | 777.00 | 887.00 | 754.00 | 916.00 | 1,006.00 | 1,144.00 | 1,033.00 |
| Total expenses | 821.00 | 766.00 | 961.00 | 768.00 | 930.00 | 926.00 | 1,115.00 | 1,081.00 | 1,213.00 | 1,307.00 | 1,437.00 | 1,356.00 | 1,559.00 | 1,655.00 | 1,888.00 | 1,800.00 |
| Profit before exceptional items and tax | -187.00 | -87.00 | -9.00 | -12.00 | -21.00 | 39.00 | 73.00 | 30.00 | 60.00 | 85.00 | 172.00 | 91.00 | 139.00 | 201.00 | 278.00 | 181.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 41.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -187.00 | -87.00 | -9.00 | -12.00 | -21.00 | 39.00 | 73.00 | 71.00 | 60.00 | 85.00 | 172.00 | 91.00 | 139.00 | 201.00 | 278.00 | 181.00 |
| Current tax | 0.00 | 0.00 | -0.00 | 0.00 | -0.00 | 0.00 | 13.00 | 11.00 | 9.00 | 14.00 | 1.00 | 8.00 | 7.00 | 12.00 | 11.00 | 16.00 |
| Deferred tax | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax expense | 0.00 | 0.00 | -0.00 | 0.00 | -0.00 | 0.00 | 13.00 | 11.00 | 9.00 | 14.00 | 1.00 | 8.00 | 7.00 | 12.00 | 11.00 | 16.00 |
| Profit for the period | -187.00 | -88.00 | -9.00 | -12.00 | -21.00 | 37.00 | 60.00 | 60.00 | 51.00 | 72.00 | 171.00 | 85.00 | 135.00 | 189.00 | 261.00 | 163.00 |
| Profit attributable to owners | -187.00 | -87.00 | -9.00 | -11.00 | -20.00 | 38.00 | — | 60.00 | 51.00 | 72.00 | 171.00 | 85.00 | 135.00 | 189.00 | 261.00 | 163.00 |
| Profit attributable to non-controlling interests | 0.00 | -0.00 | -0.00 | -0.00 | -1.00 | -1.00 | — | -0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other comprehensive income | 3.00 | 1.00 | -3.00 | -2.00 | 1.00 | 0.00 | -3.00 | -4.00 | 1.00 | 2.00 | -7.00 | -3.00 | 10.00 | 2.00 | 3.00 | 2.00 |
| Total comprehensive income | -184.00 | -87.00 | -13.00 | -14.00 | -20.00 | 38.00 | 58.00 | 56.00 | 52.00 | 74.00 | 164.00 | 82.00 | 145.00 | 191.00 | 264.00 | 164.00 |
| Earnings per share, basic | -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 |
| Earnings per share, diluted | -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 |
Annual results, as filed
| Line | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|
| Revenue from operations | 1,425.00 | 2,558.00 | 3,438.00 | 4,977.00 | 6,794.00 |
| Other income | 125.00 | 259.00 | 381.00 | 408.00 | 372.00 |
| Total income | 1,550.00 | 2,817.00 | 3,818.00 | 5,385.00 | 7,166.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 1,256.00 | 1,540.00 | 1,644.00 | 1,959.00 | 2,466.00 |
| Finance costs | 14.00 | 21.00 | 26.00 | 34.00 | 37.00 |
| Depreciation and amortisation | 43.00 | 64.00 | 89.00 | 121.00 | 136.00 |
| Other expenses | 1,072.00 | 1,680.00 | 1,980.00 | 2,925.00 | 3,819.00 |
| Total expenses | 2,384.00 | 3,305.00 | 3,739.00 | 5,039.00 | 6,458.00 |
| Profit before exceptional items and tax | -833.00 | -488.00 | 79.00 | 346.00 | 709.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 41.00 | 0.00 |
| Profit before tax | -833.00 | -488.00 | 79.00 | 387.00 | 709.00 |
| Current tax | -0.00 | 0.00 | 13.00 | 34.00 | 37.00 |
| Deferred tax | -0.00 | -0.00 | 0.00 | 0.00 | 0.00 |
| Tax expense | -0.00 | -0.00 | 13.00 | 34.00 | 37.00 |
| Profit for the period | -833.00 | -488.00 | 64.00 | 353.00 | 670.00 |
| Profit attributable to owners | — | -487.00 | — | 353.00 | 670.00 |
| Profit attributable to non-controlling interests | — | -1.00 | — | 0.00 | 0.00 |
| Other comprehensive income | 0.00 | 3.00 | -3.00 | -7.00 | 12.00 |
| Total comprehensive income | -833.00 | -485.00 | 61.00 | 346.00 | 682.00 |
| Earnings per share, basic | 20.34 | -10.97 | 1.50 | 7.77 | 14.58 |
| Earnings per share, diluted | 20.34 | -10.97 | 1.45 | 7.65 | 14.16 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Total assets | 5,963.00 | 6,254.00 | 6,427.00 | 6,729.00 | 7,153.00 | 7,529.00 | 7,939.00 | 8,707.00 |
| Non-current assets | 465.00 | 2,132.00 | 1,717.00 | 1,906.00 | 2,826.00 | 3,676.00 | 4,581.00 | 4,330.00 |
| Current assets | 5,498.00 | 4,122.00 | 4,711.00 | 4,822.00 | 4,328.00 | 3,853.00 | 3,358.00 | 4,376.00 |
| Property, plant and equipment | 57.00 | 270.00 | 326.00 | 315.00 | 415.00 | 411.00 | 405.00 | 430.00 |
| Capital work-in-progress | 0.00 | — | — | — | 0.00 | — | 0.00 | 0.00 |
| Goodwill | 38.00 | 38.00 | 38.00 | 38.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Other intangible assets | 208.00 | 6.00 | 6.00 | 6.00 | 5.00 | 5.00 | 7.00 | 9.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Trade receivables | 410.00 | 677.00 | 620.00 | 651.00 | 802.00 | 1,000.00 | 1,169.00 | 1,729.00 |
| Cash and cash equivalents | 420.00 | 72.00 | 92.00 | 325.00 | 199.00 | 561.00 | 244.00 | 746.00 |
| Total equity and liabilities | 5,963.00 | 6,254.00 | 6,427.00 | 6,729.00 | 7,153.00 | 7,529.00 | 7,939.00 | 8,707.00 |
| Equity | 5,383.00 | 5,485.00 | 5,653.00 | 5,876.00 | 6,113.00 | 6,438.00 | 6,775.00 | 7,318.00 |
| Equity share capital | 90.00 | 90.00 | 90.00 | 90.00 | 91.00 | 92.00 | 92.00 | 93.00 |
| Other equity | 5,284.00 | 5,386.00 | 5,556.00 | 5,781.00 | 6,016.00 | 6,340.00 | 6,683.00 | 7,219.00 |
| Total liabilities | 580.00 | 769.00 | 774.00 | 852.00 | 1,041.00 | 1,092.00 | 1,165.00 | 1,389.00 |
| Non-current liabilities | 222.00 | 218.00 | 253.00 | 249.00 | 326.00 | 340.00 | 347.00 | 397.00 |
| Current liabilities | 358.00 | 551.00 | 521.00 | 603.00 | 715.00 | 751.00 | 817.00 | 992.00 |
| Borrowings, non-current | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Borrowings, current | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Trade payables | 193.00 | 306.00 | 308.00 | 301.00 | 370.00 | 367.00 | 372.00 | 471.00 |
Cash flow, as filed
| Line | 2022-09-30 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -272.00 | -299.00 | -46.00 | 9.00 | -73.00 | -183.00 | -111.00 | 41.00 |
| Net cash from investing activities | 339.00 | 41.00 | 94.00 | 301.00 | -54.00 | 458.00 | -170.00 | 214.00 |
| Net cash from financing activities | -18.00 | -43.00 | -28.00 | -57.00 | -33.00 | -73.00 | -42.00 | -81.00 |
| Purchase of property, plant and equipment | 33.00 | 60.00 | 36.00 | 63.00 | 40.00 | 97.00 | 27.00 | 80.00 |
| Net increase in cash | 53.00 | -295.00 | 20.00 | 253.00 | -160.00 | 202.00 | -317.00 | 186.00 |
| con:CFO.BEFORE_TAX | -215.00 | -249.00 | 28.00 | 208.00 | -68.00 | -66.00 | 30.00 | 74.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 57.00 | 50.00 | 75.00 | 199.00 | 5.00 | 117.00 | 141.00 | 35.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 868.00 | 0.00 | 0.00 | 539.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 1.00 | 2.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 2.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 78.00 | 78.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 13.00 | 0.00 | 0.00 | 9.00 | 9.00 | 0.00 | 539.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — |
| Domestic institutions | 14.02 | 15.41 | 16.38 | 19.05 | 16.75 | 16.27 | 18.41 | 20.57 | 22.95 | 23.28 | 0.27 | 0.30 | 0.37 | 0.40 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 15.86 | 0.18 | 0.20 | 0.26 | 0.28 |
| Insurance companies | 2.61 | 3.53 | 3.70 | 3.85 | 4.02 | 4.33 | 4.20 | 4.17 | 4.06 | 3.69 | 0.04 | 0.05 | 0.06 | 0.07 |
| Foreign institutions | 50.41 | 49.60 | 49.40 | 46.01 | 48.97 | 51.58 | 49.71 | 47.79 | 45.93 | 46.78 | 0.44 | 0.41 | 0.40 | 0.37 |
| Public | 99.17 | 99.17 | 99.17 | 99.24 | 99.41 | 99.45 | 99.46 | 99.72 | 99.72 | 99.72 | 1.00 | 1.00 | 1.00 | 1.00 |
| Non-institutional | 34.74 | 34.16 | 33.39 | 34.18 | 33.69 | 31.60 | 31.35 | 31.36 | 30.84 | 29.66 | 0.29 | 0.30 | 0.23 | 0.22 |
| Shares outstanding | 450116349 | 450115849 | 450116349 | 451001938 | 451203464 | 456034204 | 456109964 | 459220832 | 459257282 | 459257282 | 459307364 | 462674740 | 462693070 | 462694870 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Policybazaar Insurance Brokers Private Limited | Wholly owned subsidiary | Any other transaction, Interest received, Investment | 3,509,409,000.00 | 9 |
| Paisabazaar Marketing and Consulting Private Limited | Wholly owned subsidiary | Any other transaction, Interest received, Investment | 602,933,000.00 | 13 |
| YKNP Markeing Management L.L.C. | Associate | Any other transaction, Investment, Sale of goods or | 477,618,000.00 | 3 |
| Yashish Dahiya | Director, Chairman & Chief Exe | Remuneration | 469,967,000.00 | 2 |
| Icall Support Services Private Limited | Wholly owned subsidiary | Any other transaction, Investment, Purchase of fixed | 403,074,000.00 | 5 |
| Docprime Technologies Private Limited | Wholly owned subsidiary | Any other transaction, Investment, Purchase of fixed | 298,939,000.00 | 3 |
| PB Pay Private Limited | Wholly owned subsidiary | Any other transaction, Investment | 273,882,000.00 | 2 |
| PB Fintech FZ LLC (UAE) | Wholly owned subsidiary | Any other transaction, Investment, Sale of goods or | 265,815,000.00 | 4 |
| Alok Bansal | Executive Vice Chairman and Whole | Remuneration | 202,629,000.00 | 1 |
| Policybazaar Middle East Insurance Brokers LLC (Erstwhile, G | Step down subsidiary of Fellow Sub | Sale of goods or services | 142,559,000.00 | 2 |
| Sarbvir Singh | Key Management Personnel- Presiden | Remuneration | 80,719,000.00 | 1 |
| Naveen Kukreja | Whole Time Director and Chief Exec | Remuneration | 62,417,000.00 | 1 |
| Neeraj Gupta | Director | Remuneration | 28,989,000.00 | 1 |
| Mandeep Mehta | Chief Financial Officer | Remuneration | 23,212,000.00 | 1 |
| Manoj Sharma | Whole Time director | Remuneration | 22,487,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-08-11 | Q1FY27 | Read the call | |
| 2026-05-12 | Q4FY26 | the insurance policy. | Read the call |
| 2026-02-06 | Q3FY26 | Sachin Salgaonkar: | Read the call |
| 2025-11-04 | Q2FY26 | Read the call | |
| 2025-08-07 | Q1FY26 | Madhukar Ladha:, Sachin Salgaonkar:, very much. | Read the call |
| 2025-05-22 | Q4FY25 | Read the call | |
| 2025-02-01 | Q3FY25 | Madhukar Ladha:, not translate in December., solution., we have with us | Read the call |
| 2024-11-11 | Q2FY24 | growth. | Read the call |
| 2024-08-13 | Q1FY25 | we have with us: | Read the call |
| 2024-05-15 | Q4FY24 | Srinath V:, secured as an opportunity. | Read the call |
| 2024-02-06 | Q3FY24 | Salgaonkar, Sachin:, Thank you very much!, quarter yet to come., we have with us, | Read the call |
| 2023-11-14 | Q2FY24 | fairly prepared part., impact. | Read the call |
| 2023-08-18 | Q1FY24 | enquiry., that. | Read the call |
| 2023-05-29 | Q4FY23 | Madhukar Ladha:, OFFICER – PB FINTECH, – PAISABAZAAR | Read the call |
| 2023-02-17 | Q3FY23 | EXECUTIVE OFFICER, PB FINTECH, EXECUTIVE OFFICER, POLICYBAZAAR, OFFICER, PB FINTECH, PAISA | Read the call |
| 2022-11-12 | Q2FY23 | FINTECH LIMITED, LIMITED | Read the call |
| 2022-08-15 | Q1FY23 | Read the call | |
| 2022-02-12 | Q3FY22 | PB FINTECH LIMITED | Read the call |
Some earlier announcements under this heading are covering letters only — no transcript was attached.
What they said about it, quarter by quarter
| Topic | Q3FY22 | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY23 | Q4FY24 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | — | — | — | — | — | — | — |
| Capital allocation | Is it possible to break down advertising slightly in terms of like what is pure play marketing expense all like including customer acquisition and wha… | — | — | — | — | — | — | — |
| Debt and cash | — | — | — | — | — | — | See, we're very strong in cash flow, if you really think about it, we added ₹260Cr on cash. | — |
| Demand | All our demand is generated online, so every journey starts from coming to Policybazaar.com and entering your retail. | — | — | — | — | — | I just want to add one final point that we verify all bookings. | — |
| Guidance | While we will continue to invest in these three, we anticipate staying prudent and delivering exceptional results. | — | This is very much in line with the guidance that we provided just after IPO. | And my last question - Yashish, your last guidance in the company was 2+ years back. | — | Do we expect higher commission payouts for you guys? | So we had been guiding towards a 20% growth. | — |
| Margin | February 8, 2022 94% to INR 1936 crores, total operating revenue for the company grew by 73% to INR 367 crores and there is another 38 crores of defer… | I just wanted to understand your contribution margin in existing business. | This quarter PAT is at ₹ 37Cr +, which is a 4% margin, up from a loss of ₹ 87Cr same period last year. | Firstly, if you can share contribution margin and EBITDA margin for credit business for the core credit business. | — | On an adjusted EBITDA basis, we were ₹28 crores positive for Q4, which is a 3% margin. | Revenue for our online marketplaces Policybazaar and Paisabazaar, which we referred to as the core businesses, grew 39% to ₹2,375Cr, while improving t… | Our EBITDA is at -4%, with a 5% contribution margin. |
| People | — | — | — | — | — | — | — | — |
| Pricing | — | — | — | — | And third question, wanted to understand, generally, how the premium growth has been since the quarter, because part of a growth in the last quarter w… | — | Assume the porting would have been little lower in the current year, relatively, at the system level, because it increased, you benefited because this… | — |
| Revenue growth | Sir, just one question, when I look at your ad spends and I try to knock of the new initiative cost which you have incurred, the growth in ad spends a… | — | For the last 6 to 7 quarters now, we have every quarter grown by more than ₹ 50 Cr. That means overall adjusted EBITDA is growing at more than ₹ 200Cr… | Yes, because, , when I look at when I back out the fixed costs or indirect cost between, , contribution and adjusted EBITDA margin for 6 months, there… | — | Our revenue grew to ₹2,558 crores, marking growth of 80% over FY'22. | First of all, I'm super pleased with this last quarter and the primary reason for that is health and life insurance combined, which is the core of our… | As I said in the past, our renewals is a large contributor to our future growth of profits. |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2024-02-06 | Q3FY24 | quarter yet to come. | If you recollect, our view was that when the year FY27 hits, we should be about ₹ 35,000 Cr. At that time, we were much smaller, so it looked like a large number. |