India · Delayed Price · Currency is INR Network People Services Technologies Earnings Call Transcripts
Fiscal Year 2026
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The company is expanding its digital payment infrastructure through SaaS and global markets, targeting 70%-80% annual growth. Product innovation in RegTech and Super App, along with a focus on PSU and cooperative banks, is expected to drive higher margins and operational scale. International expansion and AI adoption are key to future profitability.
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FY 2026 saw a strategic pivot to high-margin SaaS, RegTech, and international markets, driving 2.4x revenue growth in Q4 and setting a 70% CAGR target for the next three years. EBITDA margins are expected to rise as the business mix shifts, with global expansion and AI integration as key drivers.
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Q3 FY 2026 saw a 145% YoY revenue jump and strong margin recovery, driven by new product launches, international expansion, and a shift toward SaaS and subscription models. Management expects continued upward growth, with new revenue streams and global deals set to boost future performance.
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Revenue and profitability surged quarter-on-quarter, driven by new product launches, SaaS-based models, and international expansion. Management expects continued growth, with TSP and PPaaS leading, and RegTech set to contribute more in the coming quarters.
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Q1-FY26 saw 25% sequential revenue growth, 19.7% higher net profit, and strong EBITDA margins above 30%. Major funding from Tata Mutual Fund and global expansion initiatives are set to drive further growth, with SaaS and AI solutions as key focus areas.
Fiscal Year 2025
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Revenue grew 39%-40% year-over-year to INR 180 crore, with EBITDA and net profit margins improving. Major wins include a multi-million dollar African contract and strong SaaS and offline payment growth. Management expects continued robust growth, driven by new products and global expansion.
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Q3 revenue fell sharply due to cooperative bank policy changes, but EBITDA and PAT margins remained strong. Management expects recovery as onboarding resumes and new products are monetized, though full-year growth guidance may not be met.