Network People Services Technologies (NPST) Q3 25/26 earnings summary

Executive summary

• Achieved strong business recovery and robust revenue and profit growth in Q3 FY26, driven by digital payment solutions, product innovation, and expanding order book.

• Expanded into domestic and international markets, securing new mandates in merchant acquiring, UPI switch, RegTech, and launching new product lines targeting mid/small accounts and global opportunities.

• Multiple new revenue streams launched, including AI-based risk engines, offline payments, and RegTech, with significant contributions expected in upcoming quarters.

• Recognized as Promising PayTech Company of the Year and for Bank-in-a-Box, reinforcing market fit and trust in cooperative banking.

• Un-audited standalone and consolidated financial results for Q3 FY26 were approved and published, with no material misstatements found by statutory auditors.

Financial highlights

• Total income for Q3 FY26 reached ₹57.17 crore, up 17.46% QoQ and 145.93% YoY.

• EBITDA for Q3 FY26 was ₹18.74 crore, up 20% QoQ and 118% YoY, with a margin of 32.78%.

• PAT/net profit rose to ₹11.54 crore, up 17.28% QoQ and 124.83% YoY, with a margin of 20.19%.

• Diluted EPS climbed to 5.92, marking 35% QoQ and 137.75% YoY growth.

• For the nine months ended December 31, 2025, consolidated net profit was ₹2,858.80 lakh, up from ₹1,515.01 lakh in the prior year period.

Outlook and guidance

• Management expects continued upward growth, with Q4 anticipated to surpass previous highs, factoring in spillover business and new deals.

• Focus on scaling PPaaS revenue, expanding into PSU/government accounts, and global expansion, with SaaS and subscription models driving higher margins.

• No specific numeric guidance for next year, but trajectory is expected to be at least as strong as the previous year.

• Unutilized funds from preferential allotment to be deployed in a phased manner over two years.