Internet Software & Services company PB Fintech announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Our total Insurance Premium for the quarter was Rs 7,030 crore, up 37% YoY, led by growth in new health. Revenue grew 38% YoY to Rs 1,508 crore Our consolidated operating revenue grew at 38% to Rs 1,508 crore for the quarter (Core insurance revenue 46% up YoY, Core credit revenue down 21% YoY). Our renewal / trail revenue is at an ARR of Rs 817crore, up from Rs 577 crore last year same quarter, a 42% growth. This is a key driver of long-term profit growth. Our credit revenue for the quarter is Rs 115 crore and disbursal is Rs 2,368 crore for the core online business. We continue to strengthen our leadership in New Initiatives with revenue growth of 50% YoY with adjusted EBITDA margin moving from -10% to -6%, with 4% contribution. Our consolidated PAT for PB Fintech grew from Rs 64 crore to Rs 353 crore (from 2% to 7% margin) in FY25 YoY. Our closing Cash balance was at Rs 5,406 crore. our revenue has grown at a CAGR of 52% from Rs 1,425 crore in FY22 to Rs 4,977 crore in FY25, with a PAT margin moving from -58% in FY22 to 7% in FY25 at Rs 353 crore. FY25 Financial Highlights: . Scale: Insurance Premium at Rs 23,486 crore insurance New Core Online Insurance Premium up 45% New Health & Life Insurance Premium up 48% Operating Revenue Rs 4,977 crore, up 45% PAT grew 448% YoY to Rs 353 crore Result PDF
Pharmaceuticals company Lupin announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Gross Profit was Rs 38,760 million compared to Rs 33,213 million in Q4FY24, with a gross margin of 69.7%. Personnel cost was 18.0% of sales at Rs 10,013 million compared to Rs 9,002 million in Q4FY24. Manufacturing and other expenses were 30.3% of sales at Rs 16,876 million compared to Rs 14,901 million in Q4FY24. PBT at Rs 8,958 million at 16.1%, up 80.0% YoY from Rs 4,977 million in Q4FY24. Investment in R&D; for the quarter was Rs 5,346 million (9.6% of sales). FY25 Financial Highlights: Sales: Rs 2,21,921 million vs. Rs 1,96,563 million in FY24 — up 12.9% EBITDA: Rs 54,792 million vs. Rs 39,307 million in FY24 — up 39.4% EBITDA Margin: 24.7% vs. 20.0% in FY24 — up 469 bps PBT: Rs 40,150 million vs. Rs 24,223 million in FY24 — up 65.8% PAT: Rs 33,063 million vs. Rs 19,356 million in FY24 — up 70.8% Commenting on the results, Nilesh Gupta, Managing Director, Lupin said “We are delighted to end the last quarter and the year on a strong note. FY25 was led by strong growth in Sales and Profitability driven by in-line and new products, and consistent improvement in operating margins backed by strong commercial momentum and operational efficiencies. We are optimistic to continue this momentum in the year ahead” Result PDF