• Q1 Consolidated Revenue up 112% YoY and Net Loss Rs. 204 Cr
• Insurance Premium Rs.2430 Cr, up 52% YoY, Credit Disbursal Rs.2320 Cr, up 136%
• Total Insurance Premium Rs.2430 Cr – New Business – Rs.1390cr Renewal – Rs.1040 Cr
• Core Business (PolicyBazaar & Paisa Bazaar) growth in revenue 59%, Core Business Adjusted EBITDA Positive
• New Initiatives: PB Partners (POPS), Corporate & SME Insurance and UAE
• New Initiative Revenue at Rs.134 Cr, about 29 times YoY, Investment in new initiative Rs.71 Cr (was Rs.90 Cr in last quarter)

• Renewal Revenue at annualized rate is Rs.270 Cr (was Rs.260 Cr in Q4, Rs.210Cr in Q3 FY22) which has 85% Margins (in Q3 Co was claiming to have margins of above 90%, in Q4 last quarter claimed 87% to 90% and now saying having 85% margins)

• Omni Channel: 40 insurance centers in 32 cities
• Core Business EBITDA should grow Rs.150 Cr every year
• Comfortable with Cash Burn of Rs.200 Cr every year for New Initiative
• Q4 seasonally best quarter and Q1 weakest one
• Could be Whole Group Adjusted EBITDA positive by Q4 FY23
• ESOP Cost for this quarter Rs.167 Cr
• Cash Reserves as on 30^th June 2022 Cash on Balance Sheet Rs.5000 Cr

Source:

PB Fintech Investor Presentation

PB Fintech Concall Recording