DiGiSPICE Technologies / Q4-FY26

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Positive2026-05-15Back to DIGISPICE

Revenue

₹107.17 Cr

verified against source

Revenue YoY

4%

reported change

EBITDA

₹37 Cr

latest reported figure

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Actual signal trajectory

Where this quarter sits.

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PAT (₹ Cr)PositiveWatchNegative
1 actual records
Actual quarterly PAT (₹ Cr) trajectoryReported values plotted by quarter. Hover or focus a point for its quarter, value, and source sentiment.Q4 FY26: 2.8 · Positive source sentiment · 2026-05-15Q4 FY262.82.8
Values are taken from the available verified source records; sentiment color is a separate source-read indicator.

Quarter read

What the record says.

DiGiSPICE reported a solid FY26 with revenue from continuing operations at ₹464 crore (+4% YoY), EBITDA at ₹37 crore (2.4x YoY), and PAT at ₹25 crore (vs ₹6.5 crore last year). Growth was driven by Aadhaar-enabled payments (market share 18.4%), credit disbursement (₹600 crore, 2.8x YoY), and new products like UPI cashpoint (₹100 crore monthly run-rate). Management guided for 20% PAT growth over the next 2-3 years and expects the credit business to turn EBITDA positive next quarter. Risks include macroeconomic headwinds impacting rural discretionary spending and regulatory uncertainty around BC banking outlet guidelines.

Colored figures show movement against the previous available record.

Guidance to track

  • Management expects PAT to grow at 20% year-on-year for the next 2-3 years, driven by operating leverage and new product scaling.
  • The credit engine (lending business) is expected to achieve EBITDA positivity in Q1 FY27.
  • Management expects UPI cashpoint volumes to reach half of the Aadhaar cash withdrawal business within 1-2 years.

Risks flagged

  • Inflation and economic slowdown could reduce discretionary spending and affect transaction volumes, though essential payments may be more resilient.
  • New BC banking outlet guidelines are under consultation; delays or unfavorable terms could slow expansion of higher-value banking outlets.
  • Aadhaar cash withdrawal volumes are influenced by government subsidy cycles, causing quarterly volatility (H1 vs H2).

Key quotes

  • We are hoping that this business can grow 2 to 3x every year.
  • We expect that at least in the profitability terms we should be clocking 20% growth year on year in the coming 2-3 years.
  • The real mo here is the agent network you have more than anything else.

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