Yashish Dahiya of PB Fintech, discusses the contribution margin and EBITDA margin of the business. He highlights the significance of renewals and the higher margin they bring compared to fresh business. Dahiya also mentions the impact of ESOPs and the company's strategic focus on expanding services and controlling more of the value chain. He mentions investments in Visit Health and the company's plans for account aggregation, payment aggregation, and reinsurance brokerage.