AvenuesAI Limited Releases Q3 FY26 Earnings Call Transcript
AvenuesAI Limited reported a 122% YoY increase in consolidated gross revenue to ₹2,381 crore for Q3 FY26. Adjusted EBITDA grew 25% YoY to ₹98 crore, and Adjusted PAT rose 59% YoY to ₹86 crore. The company received key regulatory approvals, including for prepaid payment instruments and offline payment aggregation. It also revised its FY26 guidance upwards, citing strong operating momentum and ecosystem depth.
The strong financial results, upward guidance revision, significant regulatory approvals, and strategic transformation towards an AI-native platform are all material events that are likely to have a substantial impact on the company's future performance and investor perception.
The company reported significant year-over-year growth in revenue, EBITDA, and PAT, along with an upward revision of its full-year guidance. Key regulatory approvals were also secured, positioning the company for future growth. The strategic shift towards an AI-native platform was highlighted as a positive development.
AvenuesAI Limited (formerly Infibeam Avenues Limited) has released the transcript of its Investor/Analyst conference call concerning its financial performance for the quarter and nine months ended December 31, 2025. The call, conducted on February 13, 2026, featured insights from Chairman and Managing Director Mr. Vishal Mehta, MD & CEO Mr. Vishwas Patel, and CFO Mr. Sunil Bhagat.
During the call, the company highlighted its strategic evolution into an AI-native transaction infrastructure platform, moving beyond its traditional payment gateway role. This transformation is driven by integrating AI across its operations, including routing, fraud detection, risk management, and customer engagement. The company emphasized its integrated ecosystem, comprising Rediff, RediffOne, CCAvenue, and Phronetic AI, functioning as a compounding flywheel. This ecosystem aims to leverage consumer intent, business transactions, AI orchestration, payment monetization, and data accumulation to enhance efficiency and drive growth.
Key developments discussed include the receipt of an in-principle RBI license for issuing prepaid payment instruments, IFSCA approval at GIFT City for cross-border payments, and RBI authorization for offline payment aggregation. These regulatory advancements are expected to enable new product launches and expand the company's service offerings.
Financially, AvenuesAI reported consolidated gross revenue of ₹2,381 crore for the quarter, a 122% year-over-year increase. Consolidated net revenue grew by 6% year-over-year to ₹149 crore. Adjusted EBITDA increased by 25% year-over-year to ₹98 crore, with EBITDA margin improving from 56% to 66%. Adjusted PAT saw a significant 59% year-over-year growth to ₹86 crore, with PAT margin rising from 39% to 58%. The company has also revised its full-year guidance for FY26 upwards, citing improved business outlook and operating momentum.
The management also discussed the potential of its AI-led payment architecture, including CCAvenue CommerceAI and PayCentral.ai, which are designed to enable autonomous transactions and provide a foundational infrastructure for AI-native workflows. The company sees this as a potential structural revenue stream alongside traditional payment processing.
Further details were provided on the RediffOne platform, which currently hosts over 20,000 merchants, and its role in the broader ecosystem. The company also touched upon the progress of its BillAvenue and ResAvenue platforms, highlighting their contributions and the increasing use of AI to create tangible value for merchants.
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