AlphaStreet India

Zaggle Prepaid Ocean Services Ltd Q4 FY2025-26 Earnings Conference Call

Zaggle Prepaid Ocean Services Ltd held its Q4 FY2025‑26 earnings conference call, highlighting a record financial year and outlining an aggressive AI‑centric growth plan. The company posted a 44% YoY increase in standalone revenue to ₹593 cr and a 50% rise in consolidated revenue to ₹618 cr. Adjusted earnings before tax (EITA) climbed 45% to ₹55 cr (stand‑alone) and 62% to ₹60 cr (consolidated), while profit after tax surged 52% to ₹133 cr on a consolidated basis. Cash flow remains a focus, moving from a ₹6 cr deficit toward positive territory. Management announced three strategic acquisitions—Greenet Enterprises, REO.money (rebranded Zag.money) and the asset‑purchase of DICE for ₹68 cr—bringing AI‑enabled spend‑management capabilities. Dr. Raj Narayanam, awarded FinTech “Star of the Year,” emphasized that AI has cut feature‑launch cycles by up to 50% and enabled a pilot that added 36‑40 k new credit cards in eight weeks. Client case studies, such as a real‑estate firm saving three lakh rupees monthly, illustrate tangible operational gains. Looking ahead, Zaggle projects 25‑30% standalone and 40% consolidated revenue growth in FY27, driven by new banking clients, cross‑selling, and expansion into the UAE and US markets. The AI‑first roadmap and improved cash‑flow discipline position the firm to capture market share from legacy fintech players and deliver higher margins.