DiGiSPICE Technologies Limited has announced its financial performance for the quarter ended December 31, 2025 (Q3 FY'26). The company reported revenues of ₹109.1 Cr, a Gross Margin of ₹51.3 Cr, and EBITDA of ₹5.99 Cr. Profit After Tax (PAT) from continued operations stood at ₹6.7 Cr. The company highlighted that customer GTV declined sequentially due to elevated AEPS subsidies in the prior quarter and a drop in CMS GTV, influenced by a broader slowdown in the MFI and NBFC industry. The financial impact of the new Labour Code was also reflected in the quarter's results. Key business updates include the launch of insurance offerings such as Shop Insurance and Mobile Screen Protection, with more products in the pipeline. The company is also scaling its FD-backed Credit Card in partnership with Zet and plans to roll out a 24K Gold savings product with Jar. A partnership with DeHaat for Agri e-commerce access and farmer financial inclusion has also been established. Spice Money, the company's fintech arm, reported 1.6 million+ registered agents, serving over 170 million customers across 2.6 lakh small towns. The AEPS GTV reached ₹15,065 Cr, with a market share of 18.64%. CMS GTV was ₹1,461 Cr, and BBPS GTV was ₹260 Cr. The credit business is approaching breakeven, with improving gross margins and unit economics. The company is focusing on operational efficiency, cost optimization, and geographic expansion. They are also developing new products and services, including UPI Cash Withdrawal, expected to launch in March 2025, and expanding credit offerings through partnerships.
