DigiSpice Technologies Ltd
DigiSpice Technologies Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
GTV (Gross Transaction Value) has shown consistent growth at a 33% CAGR over 4 years and 16% quarter-on-quarter in Q3 FY25. - Collections business GTV is rapidly growing, now contributing about 46-47% of total volumes, nearly matching AePS volumes. - Banking accounts are expanding with over 7.8 lakh savings and 50K current accounts opened; float balances have grown to Rs. PAT has improved significantly, showing a positive trend with PAT from continued business turning positive at ~Rs.
From DigiSpice Technologies Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- GTV (Gross Transaction Value) has shown consistent growth at a 33% CAGR over 4 years and 16% quarter-on-quarter in Q3 FY25.
- Collections business GTV is rapidly growing, now contributing about 46-47% of total volumes, nearly matching AePS volumes.
- Banking accounts are expanding with over 7.8 lakh savings and 50K current accounts opened; float balances have grown to Rs. 130 crores, indicating recurring revenue.
- Secured loan distribution is a focus, with GTV almost doubling year-on-year, reaching about Rs. 20 crores monthly.
- Subscription revenue has risen 80% year-on-year, enhancing retention and lifetime value from Adhikaris.
- AePS market share stands at 17-18% nationally, with plans to increase to 20%+ by replicating successful North/East strategies in South and West India.
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Profitability & Margins
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Capital Expenditure Plans
- DiGiSPICE is investing in two new strategic initiatives: Spice Pay (digital wallet interoperable with UPI) and credit distribution.
- These initiatives are currently resulting in an EBITDA loss of Rs. 3.3 crore in Q3 FY25 and Rs. 8.1 crore over nine months, indicating ongoing capital investment for future growth.
- The company is working on a strategic NBFC acquisition within the group to build a platform for its own credit products targeted at merchants and MSMEs.
- Investments are focused on technology and platform development, especially leveraging AI to reduce cost to serve and innovate small-ticket financial products.
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Top-ranked in IT - Services
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
DigiSpice Technologies Ltd — Quarterly revenue & net profit
Reported quarterly figures (₹ Cr). Latest (Q4 FY26): revenue ₹107 Cr, net profit ₹3 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.
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What DigiSpice Technologies Ltd's management said in earlier quarters
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Frequently Asked Questions
What were DigiSpice Technologies Ltd Q3 FY25 results?
GTV (Gross Transaction Value) has shown consistent growth at a 33% CAGR over 4 years and 16% quarter-on-quarter in Q3 FY25. - Collections business GTV is rapidly growing, now contributing about 46-47% of total volumes, nearly matching AePS volumes. - Banking accounts are expanding with over 7.8 lakh savings and 50K current accounts opened; float balances have grown to Rs. PAT has improved significantly, showing a positive trend with PAT from continued business turning positive at ~Rs.
What is DigiSpice Technologies Ltd share price analysis?
DigiSpice Technologies Ltd currently shows a neutral. The stock trades at a P/E of 16.2 with a market cap of ₹398 Cr. Investors should review the full earnings analysis for detailed insights.
Is DigiSpice Technologies Ltd planning capital expenditure?
DiGiSPICE is investing in two new strategic initiatives: Spice Pay (digital wallet interoperable with UPI) and credit distribution.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.