• Q4 Consolidated Revenue up 61% YoY and Net Loss shrink to Rs. 9 Cr

• Insurance Premium Rs.3586 Cr, up 65% YoY, Credit Disbursal Rs.3357 Cr, up 53% YoY.

• PAT Loss reduced by 95% as just Rs.9 Cr in Q3 vs Rs.220 Cr last year same quarter, margin improvement -41% to -1%
• Existing Business operating revenue Rs.504 Cr, 31% YoY. Contribution margin 44%, Core business adjusted ebitda Rs.64 Cr
• New Initiatives: PB Partners (POPS), Corporate & SME Insurance and UAE
• New Initiative Revenue at Rs. 365Cr, 136% YoY
• Loss in new initiative Rs.36 Cr from peak of Rs.90 Cr (Investment in new initiative is 54 Cr only, Rs.65 Cr in Q2 FY23, Rs.71 Cr in Q1 FY23 and was Rs.90 Cr in Q4 FY22)
• As guided in Q4 company has broke even and consolidated adjusted EBITDA is positive Rs.28 Cr with 3% EBITDA Margin
• Renewal Revenue at annualized rate is at Rs.388 Cr (Rs. 315 Cr in Q3FY23, Rs.290 Cr in Q2 FY23, Rs.270 Cr in Q1 FY23 , Rs.260 Cr in Q4, Rs.210Cr in Q3 FY22) which has 85% Margins

• Hopeful for PAT Positive in FY23-24

Source: 

PB Fintech Investor Presentation

PB Fintech Concall Recording