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Zaggle Prepaid Ocean Services (ZAGGLE) investor relations material
Zaggle Prepaid Ocean Services Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary11 Nov, 2025
Executive summary
Achieved record quarterly and half-yearly revenue and profit growth in Q2 and H1 FY26, with strong adjusted EBITDA margins and Board approval of unaudited results.
Expanded user base to over 3.5 million and more than 3,600 customers, with significant cross-sell momentum and new marquee client wins.
Launched innovative products and entered new partnerships, including retail co-branded credit cards, Zaggle GlobalPay Forex Card, and AU Small Finance Bank partnership.
Broadened banking partner network, now covering commercial credit cards, prepaid cards, retail cards, and UPI.
Acquisition of 55.56% stake in Greenedge Enterprises completed, making it a subsidiary.
Financial highlights
Q2 FY26 consolidated revenue reached ₹4,322.16 million, up 42.4% YoY; adjusted EBITDA at ₹437 million, up 48.1% YoY; PAT at ₹349.84 million, up 79.1% YoY.
H1 FY26 consolidated revenue at ₹7,641.81 million, up 37.4% YoY; adjusted EBITDA at ₹765 million, up 38.8% YoY; PAT at ₹610.89 million, up 68% YoY.
Cashback expenses surged 70% YoY to ₹400 million in Q2; H1 cashback at ₹750 million, up 63.9% YoY.
Cash and cash equivalents rose to ₹768 million; bank balances (other than cash) at ₹4,963 million as of September 30, 2025.
Net cash used in operating activities (consolidated) for H1 FY26 was ₹343.62 million; net increase in cash and cash equivalents was ₹389 million.
Outlook and guidance
Revenue growth guidance raised to 40%-45% for the year; EBITDA margin guidance maintained at 10%-11%.
Targeting 14%-15% adjusted EBITDA margin over the next four to five years.
Retail co-branded card business expected to contribute ₹500 million revenue and ₹50-60 million EBITDA annually by year five.
Operating cash flow expected to break even in FY26 and turn positive from FY27.
Board approved issuance of 1,058,201 convertible warrants at ₹567 per warrant, aggregating to ₹600 million, pending stock exchange approval.
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Next Zaggle Prepaid Ocean Services earnings date
Q3 25/266 Feb, 2026
Next Zaggle Prepaid Ocean Services earnings date
Q3 25/266 Feb, 2026
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Frequently asked questions
Zaggle Prepaid Ocean Services Limited is a fintech company specializing in spend management solutions and financial technology products. It provides various software-as-a-service (SaaS) platforms, including Propel for channel rewards and incentives, Save for digitized employee reimbursements and tax benefits, and CEMS for customer engagement management. The company also offers a Zaggle Payroll Card, a prepaid payroll solution for businesses to manage payments to contractors and unbanked workers. Zaggle serves a wide range of clients, including corporates, small and medium-sized enterprises, and startups. The company is headquartered in Hyderabad, Telangana, and its shares are listed on the NSE.
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