PB Fintech's Profit Nearly Doubles Year-on-Year Despite Sequential Dip
PB Fintech's profit surged 92.5% year-on-year in Q1 FY27, though revenue and earnings declined from the previous quarter.
PB Fintech reported a strong year-on-year performance with profit nearly doubling, but faced a sequential decline in both revenue and profit for Q1 FY27.
PB Fintech, the parent of Policybazaar and Paisabazaar, delivered a quarter of powerful year-on-year growth but a sequential step back. Profit after tax for the quarter ended June 2026 soared 92.5% compared to the same period last year, reaching ₹162.91 crore. This impressive jump came on the back of a 40.1% increase in revenue, which stood at ₹1,888.28 crore.
However, compared to the preceding March 2026 quarter, both revenue and profit moderated. Revenue declined 8.4% quarter-on-quarter, while profit fell 37.6%. This sequential pullback brought the net profit margin down to 8.6% from 12.7% in Q4 FY26, though it remains well above the 6.3% margin from a year ago.
The company's earnings trajectory over the last five quarters shows a clear upward trend from a year ago, with the latest quarter's profit still the second-highest in this period.
Revenue (₹ Cr)
Profit (₹ Cr)
Net Profit Margin
| Metric | CurrentQ1 FY27 | PreviousQ4 FY26 | Same quarter LYQ1 FY26 |
|---|---|---|---|
| Revenue (₹ Cr) | 1,888.28YoY +40% | 2,061.33 | 1,347.99 |
| Profit (₹ Cr) | 162.91YoY +92% | 261.16 | 84.65 |
| Net Profit Margin | 8.6%YoY +37% | 12.7% | 6.3% |
Key Points
- The trailing twelve-month (TTM) revenue stands at ₹7,334.31 crore with a TTM profit of ₹748.39 crore, translating to a 10.2% net profit margin.
- The company maintains a robust balance sheet with zero debt and a strong interest coverage ratio of nearly 20 times.
- Despite a 5.1% decline over the past year, the stock has delivered a robust 138% return over three years.
Overall, the quarter underscores PB Fintech's ability to significantly expand profitability on a yearly basis, even as it navigates expected quarterly volatility. The key question for the coming quarters is whether it can sustainably regain the peak profitability levels seen in Q4 FY26.
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· POLICYBZR
(BSE)
ISIN: INE417T01026
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