PB Fintech Q4 Results FY25: A Powerful Quarter for Policybazaar
In a stellar earnings report that surprised even optimistic analysts, PB Fintech, the parent company of Policybazaar and Paisabazaar, posted a 185% year-on-year (YoY) jump in net profit, reaching ₹171 crore in Q4 FY25. Revenue also soared by 38%, reflecting strong consumer demand, digital adoption, and trust in online financial platforms.
This isn’t just a win for investors—it’s a powerful signal of India’s deepening faith in online financial services.
Revenue Growth: A Testament to Trust
PB Fintech’s revenue for Q4 FY25 rose to ₹1,089 crore, up from ₹787 crore in the same quarter last year. This 38% surge was driven by higher insurance premium collections, increased repeat purchases, and a rise in credit marketplace activity.
Key Drivers:
Higher renewal revenue from insurance policies.
Strong growth in health and term life insurance demand.
Scaling of the credit segment under Paisabazaar.
What does this mean for the average Indian? It means more people are choosing to secure their families, invest in their futures, and compare financial products with transparency and ease.
“After my father’s surgery, I realized the importance of health insurance. Policybazaar helped me understand what we really needed,” shares Ravi Mehta, a 29-year-old software engineer in Bengaluru.
Profitability Milestone: ₹171 Crore Net Profit
The net profit figure is more than a financial milestone—it’s a story of patience, innovation, and belief. PB Fintech was long seen as a promising but loss-making fintech. Now, it’s proving it can scale sustainably.
This ₹171 crore net profit for Q4 not only marks PB Fintech’s third consecutive profitable quarter, but also underlines the strength of its business model—one based on trust, recurring revenue, and a mission-driven digital ecosystem.
“Our focus on long-term value, customer satisfaction, and operational efficiency has started to deliver results,” said Yashish Dahiya, Chairman & CEO, PB Fintech.
Operational Highlights and Strategic Wins
PB Fintech isn’t just growing in numbers—it’s evolving strategically:
Renewal premium grew sharply, ensuring stable recurring revenue.
Over 75% of new health insurance sales were to customers in Tier-2 and Tier-3 cities.
Paisabazaar’s disbursal volume grew, with increasing adoption of unsecured personal loans and credit cards via its digital platform.
These aren’t just operational wins—they are a reflection of how financial awareness is spreading beyond metro cities, reaching India’s heartland.
A Look at the Stock Market Reaction
Following the earnings announcement, PB Fintech’s stock surged over 6% intraday, reflecting investor confidence in the company’s future roadmap. Analysts are beginning to see Policybazaar as not just a fintech startup—but as a maturing financial ecosystem enabler.
Brokerages including ICICI Securities and Motilal Oswal have upgraded their target price, citing improving profitability, strong brand equity, and increasing penetration in underinsured segments.
What This Means for India’s Fintech Future
Policybazaar’s performance isn’t just a corporate success story—it’s a barometer of how India is embracing digital finance. When customers from smaller towns are logging in to buy insurance or get loans, it’s a sign of transformation at the grassroots level.
This shift is about:
Financial literacy
Affordability and accessibility
Technological trust
“It’s not just tech, it’s touch. Helping a farmer in Tamil Nadu get term life insurance on a smartphone—that’s the real story,” said a senior executive from PB Fintech.
Final Thoughts: More Than a Number on the Balance Sheet
Today’s results are not just about ₹171 crore in profits or a 38% rise in revenue. They’re about the millions of Indians who now have health coverage, financial protection, and access to credit—thanks to platforms like Policybazaar.
It’s a story of how a fintech company built with purpose can deliver profits and impact. It’s about how numbers can tell human stories when the mission is rooted in real-world needs.
