AvenuesAI Q4 & FY26 Earnings Call Transcript Released
AvenuesAI Limited released its Q4 & FY26 earnings call transcript. FY26 consolidated revenue surged 103% to ₹8,116 Cr. Q4 revenue grew 115% YoY to ₹2,490 Cr. The company is evolving into an AI-first financial infrastructure platform, focusing on embedded finance and lending via an asset-light model. Strategic investments in Online PSB Loans and Ratnaafin are key. FY27 will focus on ecosystem integration and AI deployment.
The announcement details significant financial performance improvements and a strategic pivot towards AI-driven financial infrastructure, which is a major shift in the company's business model and future direction, impacting investors and the market.
The transcript highlights strong year-on-year financial growth, strategic evolution towards an AI-first platform, and clear plans for future growth in embedded finance and lending, indicating a positive outlook.
AvenuesAI Limited has released the transcript of its Investor/Analyst conference call concerning the financial performance for the quarter and year ended March 31, 2026. The call, conducted on May 29, 2026, featured insights from Chairman and Managing Director Vishal Mehta, MD and CEO Vishwas Patel, and CFO Sunil Bhagat.
Vishal Mehta highlighted FY26 as a pivotal strategic year, emphasizing AvenuesAI's evolution from a payment gateway to an AI-first financial infrastructure and transaction intelligence platform. The company is focusing on integrating its payments infrastructure (CCAvenue), consumer platforms (Rediff, RediffOne, RediffPay), AI capabilities, and international expansion to create a compounding ecosystem advantage. A key strategic priority is embedded finance and lending, approached through an asset-light model leveraging payments, merchant data, and AI-led underwriting, with strategic investments in Online PSB Loans and NBFCs like Ratnaafin.
Vishwas Patel elaborated on CCAvenue's role, stating that payments are evolving into an AI-powered merchant operating ecosystem. The focus is on integrating payments with customer acquisition, engagement, financing, and automation. He reiterated the asset-light strategy for embedded finance and merchant lending, aiming to build digital intelligence and distribution infrastructure.
CFO Sunil Bhagat reported strong financial performance for FY26. Consolidated revenue from operations increased by 103% to ₹8,116 crores from ₹3,923 crores in FY25. Net revenue grew by 15% to ₹603 crores, and profit after tax rose by 58% to ₹332 crores. For Q4 FY26, revenue from operations was ₹2,490 crores (up 115% YoY), net revenue grew 11% YoY to ₹149 crores, and adjusted PAT increased by 90% YoY to ₹95 crores. He noted that investments in AI, regulatory capabilities, and international expansion are ongoing.
During the Q&A, management clarified that AvenuesAI will not deploy its balance sheet for lending, instead opting for minority stakes in NBFCs. Growth in payment volumes is attributed to merchant wins, customization, and platform plays, particularly in utility, government, and B2B payments, as well as the hospitality sector with integrated systems. Profitability is expected to see operating leverage in FY27, though growth will be reinvested in areas like the Rediff ecosystem. Regarding Rediff, a confidential DRHP has been filed, with further updates to follow. The company views AI integration across all facets of operations, including fraud detection and transaction routing, as crucial for efficiency, risk management, and long-term operating leverage.
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