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Investor Presentation

DiGiSPICE Technologies Investor Presentation: Key Takeaways

Digispice Q1 FY27 PAT grew to ₹9 Cr (+103% Q-o-Q) despite soft GTV. Focus is transitioning from commodity CMS to higher-margin BBPS and scaling credit/insurance distribution.

Highlights
Revenue growth0.6% Q-o-Q
MarginsEBITDA surged 4.6x Q-o-Q driven by operational efficiency
Demand visibilityStrong traction in credit distribution and UPI cash points
Management confidenceHigh regarding operational leverage and platform scaling

Growth

Revenue ₹107.8 Cr (+0.6% Q-o-Q); PAT ₹9 Cr (+103% Q-o-Q); Credit disbursement ₹198.5 Cr (+64% Y-o-Y).

Outlook

NCLT merger of Spice Money into Digispice ongoing; launching new savings, investment, and secured credit products in coming quarters.

Risks

Soft GTV volumes (-10% Q-o-Q); pricing pressure in commoditized corporate CMS market; lower industry withdrawals impacting AEPS market share.

Last quarter's promises, checked

Delivered

  • Guided PAT growth → PAT ₹25Cr+ vs ₹6.5Cr (= BEAT)
  • Targeted 200+ banking outlets in FY26 → 200+ opened (= BEAT)
  • Guided 1.7M agent base → 1.7M agents reached (= BEAT)

Partly delivered

  • Guided Spice Money merger closure in FY26 → NCLT first motion accepted, pending final approval (= PARTIAL)

Missed

  • Guided 20% annual growth → Revenue grew 12% (= MISS)
Source

Investor Presentation filed with BSE, NSE: DIGISPICE. Summary written with AI assistance from the document.

Read the document ↗

DiGiSPICE Technologies Ltd: key numbers

Share price
₹16.97
Market cap
₹398.2 Cr
Revenue (annual)
₹464.6 Cr
Net profit (annual)
₹18.97 Cr
P/E (TTM)
19.6×Sector 23.6×
Promoter holding
72.64%+0.00% QoQ
FII holding
0.00%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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Regulatory Approval

DiGiSPICE Technologies Regulatory Approval

DiGiSPICE's material subsidiary Spice Money received RBI in-principle authorisation to operate as a Payment Aggregator-Physical. Final authorisation follows fulfilment of RBI conditions within the stipulated timeline.