DigiSpice Technologies Ltd

DIGISPICE

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Market Cap

₹ 574 Cr

P/E

40.11

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

DiGiSPICE Technologies, operating primarily through its subsidiary Spice Money, is a rural fintech company in India. It employs over 1.6 million agents to provide digital payment and financial services across small towns. Revenues grew by 14% YoY for Q2 FY26, with PAT reaching 7.2 crores, marking consecutive profit quarters. The launch of UPI Cashpoint, preparing for UPI-driven cash withdrawals, positions it for future growth. Its strong strategic partnerships with banks and NBFCs bolster credit distribution and enhance service networks. These initiatives highlight an impressive growth trajectory and commitment to financial inclusion.

Sector

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

574 Cr

Volatility

High Risk

P/E Ratio

40.1

Industry P/E

38.4

PEG Ratio

—

P/B Ratio

2.4

52W High

35.20

52W Low

17.16

Sales CAGR

2.06%

—

10Y

—

Profit CAGR

-429.58%

—

10Y

—

ROE

TTM

6.30%

-6.90%

-2.62%

10Y

-8.30%

ROCE

TTM

11.97%

4.28%

4.78%

10Y

-1.51%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
ONWARDTEC	274.15	625 Cr	15.19	2.69	1.82	17.71	20.39	12.05
IRIS	302.10	621 Cr	72.97	3.29	0.00	4.51	7.04	49.37
TERASOFT	463.60	581 Cr	35.57	4.35	0.00	12.23	16.83	5.63
DIGISPICE	24.47	574 Cr	40.11	2.44	0.00	6.30	11.97	-2.44
SIGMA	51.50	524 Cr	22.88	8.45	0.10	36.89	47.58	29.53
ABMKNO	261.10	522 Cr	40.23	2.20	0.49	5.45	8.93	5.64
TECHLABS	298.15	515 Cr	44.83	8.87	0.00	28.67	33.75	18.86

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Sales	111	113	110	106	110	109	113	117	124	125
Expenses	110	109	108	100	109	112	115	116	117	118
Operating Profit	0.95	3.81	2.64	6.45	0.55	-2.97	-1.63	0.70	6.40	6.91
OPM %	0.86	3.38	2.40	6.08	0.50	-2.73	-1.44	0.60	5.17	5.55
Other Income	-0.46	6.57	5.90	44	7.36	-0.64	-13	-7.63	5.56	5.69
Interest	0.53	0.42	0.64	0.43	0.36	0.63	0.80	0.74	0.68	0.28
Depreciation	0.93	0.99	1.08	4.12	1.24	1.51	1.53	1.60	1.78	2.17
Profit Before Tax	-0.98	8.97	6.82	46	6.31	-5.75	-17	-9.27	9.50	10
Tax %	6.12	36.45	47.80	8.00	29.00	-25.57	-7.67	-19.96	26.11	28.54
Net Profit	-0.92	5.70	3.56	42	4.48	-7.22	-19	-11	7.01	7.26
EPS in Rs	-0.95	-0.07	-0.08	1.61	0.01	-0.32	-0.84	-0.53	0.29	0.30

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	259	281	377	407	712	991	432	439	448	462
Expenses	243	275	361	400	699	976	429	426	452	460
Operating Profit	16	5.66	15	6.93	13	15	2.59	14	-3.36	2.50
OPM %	6.04	2.02	4.10	1.70	1.79	1.48	0.60	3.08	-0.75	0.54
Other Income	21	-55	17	-35	24	20	13	56	-14	-16
Interest	0.27	2.05	2.62	4.23	1.60	1.18	0.71	2.02	2.53	2.85
Depreciation	20	17	18	21	23	20	22	7.13	5.88	6.42
Profit Before Tax	16	-68	12	-53	12	13	-6.47	60	-26	-23
Tax %	62.21	-11.78	23.82	-3.71	51.83	51.28	20.74	16.85	-24.91	-31.23
Net Profit	6.22	-76	9.17	-55	5.98	6.40	-5.13	50	-33	-30
EPS in Rs	-0.89	-1.54	0.26	-2.11	0.50	0.22	-0.90	0.51	-1.67	-0.78
Dividend Payout %	0.00	0.00	166.67	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	68	54	61	61	61	61	61	62	62	—
Reserves	211	225	216	224	163	177	186	170	184	150
Borrowings	53	6.11	34	57	26	34	54	84	26	79
Other Liabilities	321	262	131	187	168	260	399	392	378	483
Total Liabilities	653	547	442	529	418	531	700	708	649	713
Fixed Assets	127	112	115	110	108	92	90	72	59	70
CWIP	0.54	9.43	7.54	3.81	3.59	4.96	3.75	2.27	6.37	0.64
Investments	85	53	36	39	22	15	14	13	50	11
Other Assets	441	372	284	376	284	419	592	620	534	631
Total Assets	653	547	442	529	418	531	700	708	649	713

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-65	-68	-11	-33	57	119	149	5.95	42	12
Cash from Investing Activity	41	14	78	-3.99	-7.39	-83	-119	-37	5.44	14
Cash from Financing Activity	36	19	-47	0.63	-27	0.33	-7.93	26	-56	48
Net Cash Flow	13	-36	20	-37	23	36	22	-5.35	-8.52	74

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	73.18%	73.18%	73.18%	73.18%	73.00%	72.97%	72.89%	72.74%	72.64%	72.96%	72.96%	72.76%
FIIs	0.01%	0.01%	0.01%	0.00%	0.00%	0.06%	0.00%	0.00%	0.00%	0.04%	0.04%	0.06%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	26.81%	26.81%	26.82%	26.82%	27.00%	26.97%	27.10%	27.26%	27.36%	26.99%	26.99%	27.18%
Total Shareholders	32,721	32,004	31,408	30,953	30,669	34,060	38,150	41,725	41,704	41,829	41,758	41,016

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Jul 01, 2024	Ltd mediatek india technology...	Bulk	Sell	47.69	6.82 Cr	14,30,616	0.61

Projection

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

Investor Presentation

Q4 FY24

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Overall

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
ONWARDTEC	274.15	625 Cr	15.19	2.69	1.82	17.71	20.39	12.05
IRIS	302.10	621 Cr	72.97	3.29	0.00	4.51	7.04	49.37
TERASOFT	463.60	581 Cr	35.57	4.35	0.00	12.23	16.83	5.63
DIGISPICE	24.47	574 Cr	40.11	2.44	0.00	6.30	11.97	-2.44
SIGMA	51.50	524 Cr	22.88	8.45	0.10	36.89	47.58	29.53
ABMKNO	261.10	522 Cr	40.23	2.20	0.49	5.45	8.93	5.64
TECHLABS	298.15	515 Cr	44.83	8.87	0.00	28.67	33.75	18.86

Overview

Detailed Summary

Sector

IT - Software

Industry

Computers - Software - Medium / Small

Market Cap

574 Cr

Volatility

High Risk

P/E Ratio

40.1

Industry P/E

38.4

PEG Ratio

—

P/B Ratio

2.4

52W High

35.20

52W Low

17.16

Sales CAGR

2.06%

—

10Y

—

Profit CAGR

-429.58%

—

10Y

—

ROE

TTM

6.30%

-6.90%

-2.62%

10Y

-8.30%

ROCE

TTM

11.97%

4.28%

4.78%

10Y

-1.51%