DiGiSPICE Technologies Limited has informed the Exchange about Transcript
DIGISPICE · price
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DiGiSPICE filed the transcript of its Q3 FY26 earnings call held on February 19, 2026. The company (which houses the Spice Money fintech platform) reported a strong nine-month PAT of about Rs. 21 crore versus Rs. 4 crore in the prior year, driven by operating leverage as indirect costs were held flat. Q3 was muted on the revenue side due to seasonality in AePS subsidy flows and a slowdown in collections from MFI/NBFC consolidation. Spice Money now has 1.6 million agents across 2.55 lakh small towns, with AePS market share at 18.64% in the Off-Us segment. The new lending engine disbursed Rs. 19.2 crore in a single quarter, almost matching the entire FY25 figure of Rs. 20.5 crore, validating the FLDG-based model. Management guided steady-state gross margins to 44-45% per quarter and expects credit distribution to scale meaningfully in H2 FY27.
Positive for shareholders: 5x jump in 9-month profit, zero-debt balance sheet, and clear margin expansion signal strengthening unit economics. Near-term Q4 revenue may stay soft on seasonality, but operating leverage and new lending engine are the key upside drivers to watch.