PB Fintech Shares Rise Over 4% After Q4 Results Show 185% Profit Surge

Market Performance

PB Fintech shares saw a sharp upward move on May 16, jumping 4.3% intraday to reach ₹1,854.70. This rally came in response to the company's robust Q4 FY25 earnings, which showcased a sharp rise in profitability and strong revenue growth.

• The stock remains 18% below its 52-week high of ₹2,254.95
• However, it is up 60% from its 52-week low of ₹1,161.40, which was touched in May 2024
• PB Fintech shares have gained nearly 40% YoY
• The stock has delivered positive returns for three consecutive months:
  • May 2025: +11%
  • April 2025: +2.2%
  • March 2025: +8.6%

Main News: Strong Q4 Boosts Sentiment Around PB Fintech Shares

The parent company of Policybazaar and Paisabazaar, PB Fintech, delivered a stellar performance in Q4 FY25, prompting renewed investor interest.

The company reported:

• Consolidated Net Profit: ₹171 crore
  • Up 185% YoY from ₹60 crore in Q4 FY24
• Revenue from Operations: ₹1,508 crore
  • Grew 38% YoY from ₹1,090 crore
• Premium Collection: ₹7,030 crore
  • Jumped 37% YoY, largely due to health insurance sales
• Closing Cash Balance: ₹5,406 crore
  • Highlights a strong liquidity position

Company Details: Core Business Drives Performance

PB Fintech's Policybazaar platform was a major contributor to its revenue surge:

• Policybazaar Revenue (Q4): ₹877 crore
  • Increased 31% YoY

Despite challenges in its savings segment, the company improved margins across most verticals.

On the lending front:

• Loan Disbursals (Q4): ₹2,368 crore
• Full-Year Disbursals: ₹20,465 crore
  • Up 38% YoY
• Credit Revenue: Declined 21% YoY in Q4

The "New Initiatives" segment also showed encouraging progress:

• Revenue Growth: 50% YoY
• Adjusted EBITDA Margin: Improved to -6% from -10%
• Contribution to Total Revenue: 4%

Annual Financial Highlights (FY25)

• Revenue: ₹1,508 crore (Q4), 38% YoY growth
• Net Profit: ₹353 crore for FY25
  • Jumped 448% YoY from ₹64 crore
• Profit Margins: Expanded from 2% to 7%

Summary

PB Fintech shares gained significant traction following its Q4 FY25 results, highlighting strong earnings growth, expanding profit margins, and resilient core operations. With healthy financials and a robust cash position, the company maintains solid momentum in online insurance and lending.

The Policybazaar brand continues to be a primary revenue driver, supported by growing demand for health insurance and improved margin efficiency. Despite some softness in its credit revenue, the company's overall performance has positioned PB Fintech shares as one of the standout stocks in the financial tech space this earnings season.