POLICYBZR quarterly results and annual financials: sales, operating profit, OPM, net profit, EPS, balance sheet, cash flow and ratios like ROCE, with YoY and QoQ growth.
PB Fintech Ltd reported sales of ₹2,178 Cr, operating profit of ₹161 Cr (OPM 7%) and net profit of ₹192 Cr for the quarter ended Sep 2026. Figures in ₹ crore, consolidated where available.
POLICYBZR quarterly results (₹ Cr)
Metric
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Sep 2026
Sales
1,292
1,508
1,348
1,614
1,771
2,061
1,888
2,178
Expenses
1,264
1,396
1,314
1,516
1,612
1,849
1,751
2,017
Operating Profit
28
112
34
98
159
212
137
161
OPM
2.1%
7%
2.5%
6%
9%
10%
7%
7%
Other Income
100
101
100
87
85
104
93
100
Interest
9
9
9
9
9
10
11
12
Depreciation
34
33
33
34
34
35
40
44
Profit before tax
85
171
92
142
201
272
179
205
Tax
16%
0%
8%
5%
6%
4%
9%
6%
Net Profit
72
170
85
135
189
261
163
192
EPS in Rs
1.56
3.7
1.84
2.94
4.09
5.64
3.52
4.16
POLICYBZR profit & loss, annual (₹ Cr)
Metric
Mar 2022
Mar 2023
Mar 2024
Mar 2025
Mar 2026
TTM
Sales
1,425
2,558
3,438
4,977
6,794
7,898
Expenses
2,325
3,219
3,626
4,884
6,286
7,230
Operating Profit
-901
-662
-188
93
508
669
OPM
-63%
-26%
-5%
1.9%
7%
8%
Other Income
124
259
381
449
372
383
Interest
14
22
27
34
38
42
Depreciation
43
64
89
121
136
153
Profit before tax
-833
-488
77
387
707
857
Tax
0%
0%
16%
9%
5%
-
Net Profit
-833
-488
64
352
670
806
EPS in Rs
-18.53
-10.82
1.48
7.67
14.48
17.41
Dividend Payout
0%
0%
0%
0%
0%
-
POLICYBZR balance sheet (₹ Cr)
Metric
Mar 2024
Mar 2025
Sep 2025
Mar 2026
Sep 2026
Equity Capital
90
92
92
93
93
Reserves
5,781
6,341
6,677
7,219
7,682
Borrowings
253
322
329
360
410
Other Liabilities
604
776
841
1,035
1,189
Total Liabilities
6,729
7,531
7,939
8,707
9,375
Fixed Assets
359
418
413
441
566
CWIP
0
0
0
0
0
Investments
1,358
2,173
3,141
3,211
3,348
Other Assets
5,011
4,940
4,384
5,054
5,460
Total Assets
6,729
7,531
7,939
8,707
9,375
POLICYBZR cash flows (₹ Cr)
Metric
Mar 2022
Mar 2023
Mar 2024
Mar 2025
Mar 2026
Cash from Operating Activity
-1,568
-299
9
-183
41
Cash from Investing Activity
-2,125
46
301
492
225
Cash from Financing Activity
3,621
-42
-57
-73
-81
Net Cash Flow
-71
-295
253
236
186
Free Cash Flow
-1,599
-363
-55
-280
-36
CFO/OP
171%
38%
-110%
-70%
15%
CFO/EBITDAShare of operating profit converting into cash: CFO (before tax) / Operating Profit