Policybazaar Q4 Results: PB Fintech’s profit skyrockets 185% YoY to Rs 171 crore, revenue jumps 38%

Insurance coverage aggregator PB Fintech on Thursday reported a consolidated internet revenue development of 185% in Q4FY25 at Rs 171 crore versus Rs 60 crore reported within the 12 months in the past interval. The corporate’s income from operations within the March-ended quarter stood at Rs 1,508 crore, which was up 38% over Rs 1,090 crore within the corresponding quarter of the final monetary 12 months.

On this, the core on-line enterprise of Policybazaar contributed Rs 877 crore within the March 31, 2025 ended quarter versus Rs 669 crore in Q4FY24. This interprets right into a 31% YoY rise. The corporate stated that income development was accompanied with margin enchancment throughout the board.

The consolidated PAT for PB Fintech grew 448% from Rs 64 Cr in FY24 to Rs 353 crore (from 2% to 7% margin) in FY25 whereas firm’s closing money steadiness stood at Rs 5,406 crore on the finish of the quarter.

The corporate reported a 37% YoY rise in its premium at Rs 7,030 crore versus Rs 5,127 crore within the 12 months in the past interval led by development in new well being.

Firm’s core insurance coverage income was up 46% YoY whereas its core credit score income was down 21% YoY.

Its renewal / path income stood at an ARR of Rs 817 crore, up from Rs 577 crore final 12 months in the identical quarter, which was a 42% development. The corporate stated that it’s a key driver of long-term revenue development.”Regular development continues for Core New Insurance coverage Premium (internet of Financial savings enterprise) at 38% YoY for the quarter. This has ranged round +-5% of 40% for the final 8 quarters. Whereas the well being enterprise continues to develop strongly, we have now seen a slowdown in our financial savings enterprise amidst broader market situations. We proceed to enhance our buyer onboarding & claims help providers and Insurance coverage CSAT is constant at 90%+,” an organization assertion stated.The credit score income for the quarter stood at Rs 115 crore whereas disbursal was reported at Rs 2,368 crore for the core on-line enterprise.

“We proceed to strengthen our management in New Initiatives with income development of fifty% YoY with adjusted EBITDA margin transferring from -10% to -6%, with 4% contribution,” the submitting stated.

For FY25, the full insurance coverage premium stood at Rs 23,486 crore, which is a development of 48% YoY whereas lending disbursal was reported at Rs 20,465 crore, a development of 38% YoY.

Its core on-line Insurance coverage New Premium grew 45% YoY and Well being & Life Insurance coverage New Premium grew 48% YoY.