PB Fintech Q2 FY27 Results: PAT Up 43% to ₹192 Cr, Total Insurance Premium ₹9,385 Cr
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 30 Oct 2026, 06:02 PM IST · BSE ID: 7797f5da-06b4-4f75-861f-90f7b92921ba
View Original BSE Filing (PDF)
💡
In Simple Terms
PB Fintech's Q2 FY27 net profit increased by 43% to ₹192 Cr, driven by strong growth in insurance premiums and lending.
🤖 AI Summary
- Consolidated Profit After Tax (PAT) for Q2 FY27 increased 43% YoY to ₹192 Cr.
- Total Insurance Premium for the quarter stood at ₹9,385 Cr, representing a 38% YoY growth.
- Operating Revenue grew 35% YoY to ₹2,178 Cr for the quarter ended September 30, 2026.
- Total Lending disbursal for Q2 FY27 reached ₹4,739 Cr, with core lending disbursal up 22% YoY.
- Core Online Insurance Premium grew 38% YoY, and New Protection Premium increased 42% YoY.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Total Insurance Premium
₹9,385 Cr
38%
Operating Revenue
₹2,178 Cr
35%
Total Lending Disbursal
₹4,739 Cr
Adjusted EBITDA (non-GAAP)
₹216 Cr
39%
🏢 How This Affects the Company
The company demonstrated continued growth in its core insurance and lending marketplace businesses, with total insurance premium growing by 38% YoY and total lending disbursal by 22% YoY. Expansion of PB Partners to over 570k+ advisors and presence in 19k pin codes indicates broader market penetration.
Profit After Tax (PAT) increased 43% YoY to ₹192 Cr, with PAT margin improving from 8% to 9% YoY. Operating Revenue grew 35% YoY to ₹2,178 Cr, indicating robust top-line performance and improved profitability.
The PB Partners platform expanded its active partner count to 1.31 lacs, up 55% YoY, extending insurance access to Tier 2 and Tier 3 markets. Customer onboarding and claims support services maintain an Insurance CSAT above 90%.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results filing.
👤
Who Is Affected
All shareholders are affected as the company reported a significant 43% YoY growth in Profit After Tax and strong operational performance in its core businesses.
🔍
Management Signal
The financial results signal management's focus on driving growth in core insurance and lending segments, alongside improving profitability and expanding reach through initiatives like PB Partners.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q3 FY27 financial results — assess sustained growth in PAT and premium.
Review earnings call transcript for further management commentary on guidance.
Monitor active partner growth for PB Partners and its contribution to premium.
LOW RISK
The filing indicates strong financial performance and operational expansion across key business segments.
💡 Investor Takeaway
PB Fintech's Q2 FY27 consolidated Profit After Tax grew 43% YoY to ₹192 Cr, driven by a 38% YoY increase in Total Insurance Premium to ₹9,385 Cr and a 35% YoY rise in Operating Revenue to ₹2,178 Cr.
⚖️ Strengths & Concerns
✅ Positives
- Profit After Tax (PAT) for Q2 FY27 grew 43% YoY to ₹192 Cr, with PAT margin improving from 8% to 9%.
- Total Insurance Premium increased 38% YoY to ₹9,385 Cr, with New Protection Premium up 42% YoY.
⚠️ Concerns
- Share of profit/(loss) of associates moved from ₹3 Cr in Q2 FY26 to (₹4) Cr in Q2 FY27, a decline of (259)%.
- Adjusted EBITDA (non-GAAP) for New Initiatives decreased by (58)% YoY, moving from (₹27) Cr to (₹42) Cr.
📅 Company Track Record
PB Fintech's Q2 FY27 revenue grew at a CAGR of 51% from ₹280 Cr in Q2 FY22 to ₹2,178 Cr in Q2 FY27. PAT margin improved from -73% in Q2 FY22 to 9% in Q2 FY27.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was PB Fintech's Profit After Tax (PAT) in Q2 FY27?
PB Fintech's consolidated PAT in Q2 FY27 was ₹192 Cr, an increase of 43% YoY from ₹135 Cr in Q2 FY26.
What was the Total Insurance Premium for PB Fintech in Q2 FY27?
The Total Insurance Premium for PB Fintech in Q2 FY27 was ₹9,385 Cr, marking a 38% YoY growth from ₹6,824 Cr in Q2 FY26.
What was PB Fintech's Operating Revenue in Q2 FY27?
PB Fintech reported an Operating Revenue of ₹2,178 Cr in Q2 FY27, which is a 35% YoY increase from ₹1,614 Cr in Q2 FY26.
How much did PB Fintech's lending disbursal grow in Q2 FY27?
PB Fintech's total lending disbursal for Q2 FY27 was ₹4,739 Cr, with core lending disbursal growing 22% YoY.
What was the Adjusted EBITDA for PB Fintech in Q2 FY27?
PB Fintech's Adjusted EBITDA (non-GAAP) for Q2 FY27 was ₹216 Cr, up 39% YoY from ₹156 Cr in Q2 FY26.
Questions based on this BSE filing only. For information purposes.