• B30 market distribution: About 80% of Turtlemint's distribution comes from underserved B30 markets, which are growing roughly 60% faster than top 30 cities.
• Regulatory commission impact: Management expects no margin contraction from potential regulatory commission cuts, as the firm plans to adjust payouts to its nearly 7 lakh digital partners while gaining from higher insurance volumes.
• Renewal book performance: Renewal revenues continue to grow faster than overall business revenue, supported by renewal economics that generate 2.5 to 3 times the economics of new business.
• FY27 financial guidance: The company maintained its guidance of 40% revenue growth and expects to achieve adjusted EBITDA profitability for the full year in FY27.