Veefin Solutions Ltd. · BSE:VEEFIN
Veefin Solutions — 9M FY2026 Earnings Presentation
17 slides from Veefin Solutions's earnings presentation, Jan 23, 2026
Slide 1: BSE Regulation 30 disclosure cover letter
Date: January 23, 2026 To, BSE Limited The Corporate Relationship Department Phiroze Jeejeebhoy Towers, 1st Floor, Dalal Street, Mumbai – 400 001 Ref: Scrip Code: 543931 ISIN: INE0Q0M01015 Sub: Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disc
Slide 2: 9M FY2026 Earnings
9M FY2026 Earnings Think Digital Banking. Think Veefin
Slide 3: Veefin at a Glance
at a Glance Global $40B+ Products Clients 80+ FIs & 300+ Awards Enterprise Across Corporates Supply Chain Finance Software Product Trade Finance 24+ annualized disbursements Provider to Cash Management Countries Most Innovative Banks & NBFCs since Corporate Internet Banking ~NIL SCF Solution 2025 20
Slide 4: Veefin Product Suite – A Strategically Balanced Portfolio
Veefin Product Suite – A Strategically Balanced Portfolio Monetizing Strategic IP Entry & Products Investments Differentiator Supply Chain Trade Finance Loan Origination System (LOS) Finance (SCF) Cash Management System (CMS) Fraud & Risk Analytics Corporate Internet Banking (CIB) Gen-AI Solutions R
Slide 5: Summary - Veefin 9M FY2026 Highlights
Summary - Veefin 9M FY2026 Highlights
Slide 6: Q3/9M-FY26 Standalone Income Statement
Q3/9M-FY26 Standalone Income Statement Particulars (INR Cr) Q3-FY26 9M-FY26 Revenue from Operations 20.19 46.57 Operating Expenses 8.43 22.24 EBITDA 11.76 24.33 EBITDA Margins (%) 58.25% 52.24% Depreciation 1.68 4.88 Finance Cost 1.93 4.57 Other Income 0.94 2.09 PBT 9.09 16.96 Taxes 3.09 4.51 PAT 6.
Slide 7: Q3/9M-FY26 Consolidated Income Statement
Q3/9M-FY26 Consolidated Income Statement Particulars (INR Cr) Q3-FY26 9M-FY26 Revenue from Operations 103.74 213.78 Operating Expenses 83.03 172.94 EBITDA 20.71 40.84 EBITDA Margins (%) 19.96% 19.10% Depreciation 4.45 11.80 Finance Cost 4.29 7.95 Other Income 0.63 1.89 PBT 12.60 22.98 Taxes 4.82 7.0
Slide 8: Historical Standalone Income Statement
Historical Standalone Income Statement Particulars (INR Cr) FY23 FY24 FY25 9M-FY26 Revenue from Operations 13 21 37 47 Operating Expenses 8.2 11.8 21 22 EBITDA 4.8 9.2 16 24 EBITDA Margins (%) 36.92% 43.81% 43.24% 52.22% Depreciation 0 1 2 5 Finance Cost - 0 1 5 Other Income 0 - 1 2 PBT 5 8 14 17 Ta
Slide 9: Historical Standalone Balance Sheet
Historical Standalone Balance Sheet Particulars (INR Cr) FY23 FY24 FY25 H1-FY26 Particulars (INR Cr) FY23 FY24 FY25 H1-FY26 EQUITY AND LIABILITIES ASSETS Equity Share Capital 18 23 23 24 Non-Current Assets Reserves & Surplus 25 96 129 154 Money received against Share Property, Plant and Equipment 1
Slide 10: Historical Consolidated Income Statement
Historical Consolidated Income Statement Particulars (INR Cr) FY23 FY24 FY25 9M-FY26 Revenue from Operations 14 25 79 214 Operating Expenses 9 14 54 173 EBITDA 5 11 25 41 EBITDA Margins (%) 34.29% 45.20% 31.65% 19.10% Depreciation 0 1 5 12 Finance Cost - 0 1 8 Other Income 0 - 2 2 PBT 5 10 21 23 Tax
Slide 11: Historical Consolidated Balance Sheet
Historical Consolidated Balance Sheet Particulars (INR Cr) FY23 FY24 FY25 H1-FY26 Particulars (INR Cr) FY23 FY24 FY25 H1-FY26 EQUITY AND LIABILITIES ASSETS Equity Share Capital 18 23 23 24 Non-Current Assets Reserves & Surplus 26 99 423 492 Property, Plant and Equipment 1 2 6 9 Money received agains
Slide 12: Drivers of Durable Growth & Profitability
Drivers of Durable Growth & Profitability
Slide 13: Qualified Deal Pipeline: 50 Deals, ~USD 61 Million
Qualified Deal Pipeline: 50 Deals, ~USD 61 Million Indicative of client demand under evaluation. Not revenue mix or guidance. Pipeline by GCC Pipeline by 78% is Geography 14.6% South East Asia Product LMS Non SCF 36% 16% 22% SCF LOS 14% 12% 26% India, South Asia Internet Internet Africa 41.6% Bankin
Slide 14: PSB Xchange – Platform Adoption and Operating Momentum Update
PSB Xchange – Platform Adoption and Operating Momentum Update Increasing lender integrations, sourcing partnerships, and live transaction activity Lender Ecosystem Platform Throughput Sourcing Partner Participation (Live Activity) Expansion Integrations live What is actually flowing Ecosystem build-
Slide 15: PSB Xchange – On-Ground Operating Readiness
PSB Xchange – On-Ground Operating Readiness Dedicated field, credit, and technology teams deployed to support national-scale execution PAN-India Execution Model Leadership Operating (End-to-End Ownership) Anchoring Scale Footprint Function Role in the Flow Key roles in place Delhi / NCR Sourcing & A
Slide 16: Safe Harbour Statement
Safe Harbour Statement Veefin Solutions Limited No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are
Slide 17: Thank You
THANK YOU Think Digital Banking. Think Veefin www.veefin.com