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Over-dependence on UK market
View Risks →Crizac Limited — Q3 FY26
Crizac delivered a strong Q3 FY26 with revenue of 278.63 cr (+28% YoY) and EBITDA margin of 23.19%, driven by robust application volumes and operating leverage.
bullish
high
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Crizac delivered a strong Q3 FY26 with revenue of 278.63 cr (+28% YoY) and EBITDA margin of 23.19%, driven by robust application volumes and operating leverage. PAT came in at 50.52 cr (18% margin). The company processed 1.02 lakh applications, with UK contributing ~90% of revenue. Management guided for 20-25% organic growth and normalized EBITDA margins of 23-25%. Strategic acquisitions (Studies Planet, Global Tree) and new services (accommodation, loans) are early-stage. Key risk: over-dependence on UK (90% revenue) despite diversification efforts.
क्रिज़ैक ने वित्त वर्ष 2026 की तीसरी तिमाही में शानदार प्रदर्शन किया। कंपनी की कमाई 278.63 करोड़ रुपये रही, जो पिछले साल से 28% ज्यादा है। कमाई पर खर्च घटाने के बाद मुनाफा 23.19% रहा। कुल मुनाफा 50.52 करोड़ रुपये (18% मार्जिन) हुआ। कंपनी ने 1.02 लाख आवेदन प्रोसेस किए, जिसमें 90% कमाई यूके से आई। प्रबंधन ने अगले साल 20-25% बढ़ोतरी और 23-25% मुनाफा मार्जिन का अनुमान लगाया है। नई कंपनियां खरीदना और नई सेवाएं (जैसे रहने का इंतजाम, लोन) शुरू करना अभी शुरुआती दौर में है। मुख्य जोखिम: यूके पर बहुत ज्यादा निर्भरता (90% कमाई), भले ही विविधता लाने की कोशिशें चल रही हों।
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Applications processed
1.02 lakh
+28% YoY
Total applications processed in Q3 FY26, driven by strong UK intake and geographic expansion.
Registered agents
14,000
flat
Agent network remains stable, supporting scalable application growth.
UK revenue share
90%
-5pp YoY
UK concentration reduced from 95% last year, reflecting diversification into Ireland, Middle East.
Acceptance rate
10%
flat
Approximately 10% of applications result in enrollment, consistent with historical trends.
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Guidance and risk preview
Management expects organic revenue growth in the range of 20-25% annually, driven by market share gains and geographic expansion.
90% of revenue comes from UK, making the company vulnerable to UK visa policy changes or economic downturns.
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