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DiGiSPICE Technologies Limited Q2 FY26 earnings call summary

NSE: DIGISPICE · BSE: 517214

Earnings call of 17 Nov 2025, summarised by AI from the filing.

DiGiSPICE reported Q2 FY26 revenue of ₹124 cr (+14% YoY) and PAT of ₹7.2 cr, with credit distribution scaling to ₹176 cr.

Key takeaways

  1. Take rate Current take rate ~40 bps; target 100 bps through product mix and higher throughput per agent.
  2. Credit growth Credit distribution grew to ₹176 cr in Q2 FY26, ~3x YoY, driven by secured loan partnerships.
  3. CMS margin pressure Cash management services product has become commoditized with margin pressure and MFI industry decline.

Original filing on BSE

DiGiSPICE Technologies Limited Q1 FY27 results

As filed: Revenue ₹108 cr (−13% year on year), EBITDA ₹8.6 cr (+22% year on year), PAT ₹6.6 cr (+24% year on year), EBITDA margin 8.0% (+231 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹107 cr (−8% year on year), EBITDA ₹1.2 cr (−41% year on year), PAT ₹2.8 cr, EBITDA margin 1.1% (−61 bps). Score 28 of 100, Below trend. Revenue growth was in line with the company's own trend; EBITDA growth was well below it. EBITDA margin fell 61 bps year on year. Other income 119% of PBT. Share price after the results: +0.4% in 30 days (Nifty 500: +1.0%).
  • Q3 FY26: Revenue ₹109 cr (−3% year on year), EBITDA ₹6.0 cr, PAT ₹2.4 cr (+207% year on year), EBITDA margin 5.5% (+553 bps). Score 60 of 100, In line with trend. Revenue growth was in line with the company's own trend; profit before exceptional items growth was well above it. EBITDA margin rose 553 bps year on year. Other income 116% of PBT. Revenue fell 13% from last quarter. Share price after the results: −16.5% in 29 days (Nifty 500: −9.6%).
  • Q2 FY26: Revenue ₹125 cr (+15% year on year), EBITDA ₹6.0 cr, PAT ₹7.0 cr, EBITDA margin 4.8% (+663 bps). Score 68 of 100, Above trend. Revenue growth was above the company's own trend. EBITDA margin rose 663 bps year on year. Other income 60% of PBT. Revenue grew on the previous quarter, against its usual seasonal pattern. Share price after the results: −5.7% in 30 days (Nifty 500: −0.6%).
  • Q1 FY26: Revenue ₹124 cr (+13% year on year), EBITDA ₹7.0 cr, PAT ₹7.0 cr, EBITDA margin 5.7% (+565 bps). Score 57 of 100, In line with trend. Revenue growth was above the company's own trend. EBITDA margin rose 565 bps year on year. Other income 60% of PBT. Share price after the results: +21.7% in 30 days (Nifty 500: +2.4%).
  • Q4 FY25: Revenue ₹117 cr (+10% year on year), EBITDA ₹2.0 cr (−60% year on year), PAT −₹12.0 cr (−29% year on year), EBITDA margin 1.7% (−301 bps). Score 48 of 100, In line with trend. Revenue growth was above the company's own trend; profit before exceptional items growth was below it. EBITDA margin fell 301 bps year on year. Share price after the results: +7.3% in 28 days (Nifty 500: +1.1%).
  • Q3 FY25: Revenue ₹113 cr (+3% year on year), EBITDA ₹0.0 cr (−100% year on year), PAT −₹20.0 cr (−57% year on year), EBITDA margin 0.0% (−273 bps). Score 46 of 100, In line with trend. Revenue growth was in line with the company's own trend. EBITDA margin fell 273 bps year on year.
  • Q2 FY25: Revenue ₹109 cr (−4% year on year), EBITDA −₹2.0 cr (−150% year on year), PAT −₹7.0 cr (−100% year on year), EBITDA margin -1.8% (−537 bps). Score 7 of 100, Below trend. EBITDA margin fell 537 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 100% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

DiGiSPICE Technologies Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.