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, new product lines, and expanding order book.

• Secured new mandates in merchant acquiring, UPI switch, RegTech, and international markets, with early positive results from global expansion.

• Recognized as Promising PayTech Company of the Year, reinforcing market fit and trust in cooperative banking.

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

• The company operates in a single segment, providing software and payment solutions to the banking and finance sector.

Financial highlights

• Total income for Q3 FY26 reached ₹57.17 crore, up 17.46% sequentially and 145.93% year-over-year.

• EBITDA rose to ₹18.74 crore, a 19.82% increase over the previous quarter and 118.30% year-over-year, with a margin of 32.78%.

• Net profit increased to ₹11.54 crore, up 17.28% sequentially and 124.83% year-over-year, with a margin of 20.19%.

• Diluted EPS climbed to 5.92, marking 34.55% 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 spillover business from Q3 to Q4 and a strong sales funnel.

• Focus on scaling PPaaS revenue, expanding into PSU and government accounts, and global expansion.

• Anticipates a shift toward SaaS and subscription models, improving margins and recurring revenue.

• Expects international deals and new product lines to start contributing meaningfully within the next two quarters.

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