Turtlemint Fintech Solutions Q1 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹1,595 Cr
- ROE
- -36.36%
- Price to sales
- 1.45
- Debt to equity
- 0.07
- 52W high / low
- ₹160 / ₹52.3
- EBITDA margin
- -11.87%
- Net profit margin
- -11.79%
- Promoter holding
- 13.21%
- Sales (last year)
- ₹1,098 Cr
Incorporated in 2015, Turtlemint Limited is a technology-enabled insurance distribution platform that connects customers, insurance advisors (Digital Partners), and insurers.[1]
Guidance scorecard · Q1 FY27 call
What Turtlemint Fintech's management guided
and where it ranks in Financial Technology (Fintech)
RevenueQ1 FY27 call
40%+- The PoSP business market is expected to grow at a healthy 30%+ CAGR for the next 4-5 years, largely driven by three main players including Turtlemint.
- The company aims to continue growing its business by about 40% YoY.
- Renewal revenues are growing faster than new business, with Q1 renewal revenue up 66% YoY.
- Renewals are expected to become a larger part of total revenue, potentially reaching 70-80% of overall revenue over the next 4-5 years.
- Productivity improvements across all digital partner cohorts are expected to drive growth.
2 more points from Turtlemint Fintech's call on revenue
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MarginsQ1 FY27 call
Up 2%+See what Turtlemint Fintech said on margins — free account, 30 seconds.
CapexQ1 FY27 call
- Significant ongoing investment in technology and AI to automate processes, improve onboarding, renewals, and customer experience.
- Continuous investment in training digital partners via Turtlemint Academy to build a long-term insurance career path.
- Focus on building and scaling the PoSP (point of sale person) platform and integrating with insurance companies.
2 more points from Turtlemint Fintech's call on capex
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FundraisingQ1 FY27 call
See what Turtlemint Fintech said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
RisingAsk what Turtlemint Fintech said on the order book →
Full Q1 FY27 analysisRanges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
Potential multibaggers in Financial Technology (Fintech)
on management's own guidance
- Strong growth2
- Strong growth1
- One 97Good growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Peers
Financial Technology (Fintech) companies ranked on guidance
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | 40%+ | Up 2%+ | ₹3,339 Cr | 74.8 | |
| 2 | 40%+ | Flat | ₹4,207 Cr | 14.2 | |
| 3 | One 97 | 20–40% | Flat | ₹1.05L Cr | 125.2 |
| 4 | 20–40% | Flat | ₹17,701 Cr | 136.8 | |
| 5 | 20–40% | Flat | ₹7,010 Cr | 24.3 | |
| 6 | 20–40% | Flat | ₹1,693 Cr | 575.8 |
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Pro shows every company guiding 40%+ revenue growth →Full Financial Technology (Fintech) rankingTurtlemint Fintech announcements
All announcements →- Fundraise / allotmentNotableTurtlemint Fintech approves up to ₹149 crore rights subscription in subsidiary TIB
Financials of Turtlemint Fintech
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Shareholder Pattern
Turtlemint Fintech
Shareholding breakup across reporting periods.
| Jun 2026 | |
|---|---|
| Promoters + | 13.21% |
| FIIs + | 6.34% |
| DIIs + | 13.33% |
| Government + | 0.11% |
| Public + | 67.02% |
| No. of Shareholders | 52,588 |
Financials of Turtlemint Fintech
Quarterly Results
Quarter-by-quarter operating performance
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales + | 252 | 210 | 278 | 357 | 294 |
| Expenses + | 289 | 256 | 316 | 361 | 327 |
| Operating Profit | -37 | -46 | -39 | -4 | -33 |
| OPM % | -15% | -22% | -14% | -1.1% | -11% |
| Other Income + | 5 | 4 | -19 | 3 | 2 |
| Interest | 0 | 1 | 0 | 0 | 2 |
| Depreciation | 7 | 4 | 4 | 4 | 4 |
| Profit before tax | -40 | -47 | -62 | -5 | -38 |
| Tax % | -0% | 0% | 0% | -161% | -0% |
| Net Profit + | -39 | -47 | -62 | 3 | -38 |
| EPS in Rs | -3,785.03 | -4,434.00 | -11.66 | 0.59 | -1.28 |
Financials of Turtlemint Fintech
Profit & Loss
Annual income statement trend
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Sales + | 294 | 420 | 79 | 663 | 1,098 |
| Expenses + | 465 | 734 | 290 | 850 | 1,229 |
| Operating Profit | -171 | -314 | -211 | -188 | -130 |
| OPM % | -58% | -75% | -269% | -28% | -12% |
| Other Income + | 11 | 40 | 40 | 30 | -44 |
| Interest | 2 | 2 | 2 | 2 | 2 |
| Depreciation | 5 | 12 | 20 | 29 | 16 |
| Profit before tax | -168 | -288 | -193 | -189 | -193 |
| Tax % | 0% | 0% | 0% | 2% | -4% |
| Net Profit + | -168 | -288 | -193 | -194 | -184 |
| EPS in Rs | -16,286.41 | -27,603.45 | -18,467.05 | -18,628.60 | -34.51 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Financials of Turtlemint Fintech
Balance Sheet
Capital structure and asset base
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 0.01 | 0.01 | 0.01 | 0.01 | 5 |
| Reserves | 106 | 742 | 562 | 409 | 298 |
| Borrowings + | 19 | 28 | 21 | 28 | 20 |
| Other Liabilities + | 74 | 131 | 30 | 119 | 126 |
| Total Liabilities | 199 | 900 | 613 | 556 | 450 |
| Fixed Assets + | 18 | 57 | 38 | 44 | 34 |
| CWIP | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 |
| Other Assets + | 181 | 843 | 575 | 512 | 416 |
| Total Assets | 199 | 900 | 613 | 556 | 450 |
Financials of Turtlemint Fintech
Cash Flows
Operating, investing and financing cash movement
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Cash from Operating Activity + | -186 | -286 | -242 | -216 | -182 |
| Cash from Investing Activity + | 196 | -579 | 248 | 235 | 172 |
| Cash from Financing Activity + | -13 | 903 | -10 | -15 | -13 |
| Net Cash Flow | -3 | 37 | -4 | 5 | -23 |
| Free Cash Flow | -192 | -298 | -243 | -218 | -185 |
| CFO/OP | 108% | 91% | 111% | 132% | 120% |
Financials of Turtlemint Fintech
Ratios
Working capital efficiency and return ratios
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Debtor Days | 95 | 91 | 173 | 76 | 53 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 95 | 91 | 173 | 76 | 53 |
| Working Capital Days | 9 | 467 | 1,156 | 95 | 31 |
| ROCE % | -64% | -28% | -37% | -36% |
Guidance history
How Turtlemint Fintech's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | 40%+ | Up 2%+ | — | — | Rising |
| Q1 FY27 call → | 20–40% | Up 2%+ | — | — | Rising |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Continue your research
What Turtlemint Fintech's management said in earlier quarters
Others in Financial Technology (Fintech) this season
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Quarterly Revenue for Q2 FY27: ₹573 crores (Page 10) . Key results statement takeaways from PB Fintech Ltd's Q2 FY27 results statement — and how it ranks agains
- Seshaasai Technologies (Q2 FY27)
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- Pine Labs Ltd (Q2 FY27)
Revenue from operations in Q2 FY27: ₹806 Cr, up 24% YoY (Page 5) . Key investor presentation takeaways from Pine Labs Ltd's Q2 FY27 investor presentation — and