5paisa Capital (5PAISA) investor relations material

Executive summary

• Q2 FY27 revenue was ₹865 million, up 12% YoY; PAT was ₹70.62 million, down 26% YoY, amid softer trading activity and higher costs.

• Customer base reached 5.34 million, with 81,600 Q2 additions; 95.4% of new customers used DIY onboarding.

• Product investment focused on the rebuilt trading app, faster order flow, options tools and Ask 5paisa AI features.

• Consolidated Q2 net profit was ₹705.95 lakh versus ₹948.17 lakh a year earlier; H1 consolidated net profit was ₹1,862.90 lakh.

Financial highlights

• Q2 FY27 income from operations was ₹864.62 Mn, up 12% YoY; H1 income was ₹1,749.08 Mn, up 13% YoY.

• Q2 FY27 PAT was ₹70.62 Mn versus ₹95.81 Mn a year earlier; H1 PAT was ₹186.96 Mn versus ₹210.81 Mn.

• Consolidated Q2 revenue from operations was ₹8,641.71 lakh and total income ₹8,646.20 lakh; consolidated H1 total income was ₹17,484.26 lakh.

• Q2 FY27 consolidated profit before tax was ₹946.20 lakh versus ₹1,274.20 lakh; net profit was ₹705.95 lakh versus ₹948.17 lakh.

• Q2 total expenses rose 19% YoY to ₹770.00 Mn; finance costs rose 19% to ₹94.50 Mn and other expenses rose 27% to ₹425.96 Mn.

Outlook and guidance

• FY27 priorities include experience-led and organic growth, stronger brand positioning, AI-driven transformation, and improved platform performance, scalability and reliability.

• The new app emphasizes faster execution, a simpler interface and AI-native features; no quantified financial guidance was stated.

• Expanded client-funding activity is planned with a careful approach, supported by the strengthened balance sheet.

• Trendlyne research, screeners, baskets and AI features are planned for integration after the acquisition closes; integration may proceed whether Trendlyne remains separate or is merged.

• A proposed GIFT City IFSC unit would support permitted securities-market and international market activities, subject to regulatory approvals and registrations.