Turtlemint Fintech Solutions Releases Q4 & FY26 Earnings Call Transcript
Turtlemint Fintech Solutions reported Q4 FY26 as its first breakeven quarter on an adjusted EBITDA basis. FY26 revenue grew 57% to ₹1,098 crore, and service EBITDA grew 70% to ₹142 crore. The company's digital partner network expanded significantly, with active partners exceeding 93,000 by March 31, 2026. Corporate overheads reduced to 16% of revenue in Q4 FY26, demonstrating strong operating leverage.
The announcement of the first breakeven quarter, substantial revenue growth, and improved profitability metrics are highly material to investors and signal a positive trajectory for the company.
The company reported its first breakeven quarter, significant revenue and EBITDA growth, and improved operating leverage, indicating positive financial performance and operational efficiency.
Turtlemint Fintech Solutions Limited (formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited) has disseminated the transcript of its Q4 and Full Year FY26 Earnings Call, which was held on Friday, July 17, 2026, at 06:30 PM IST. The call provided an in-depth discussion of the company's performance, strategic initiatives, and future outlook.
During the call, the management highlighted that FY26 was a strong year, with platform premium growing from ₹2,946 crore to ₹3,868 crore, representing a 31% year-on-year increase. Operating revenue saw a significant jump of 57% to ₹1,098 crore. Service EBITDA grew by 70% to ₹142 crore, indicating improved profitability. Notably, Q4 FY26 marked the company's first breakeven quarter at an adjusted EBITDA level on a consolidated basis. The company also reported positive adjusted EBITDA and profit after tax for the quarter.
The management emphasized their core strategy of recruiting, activating, and producing digital partners, leveraging technology and AI to drive efficiencies and scale. They highlighted the growth in their digital partner network, with quarterly active partners reaching approximately 84,000 and verified partners growing to 6.5 lakh. The company's focus remains on deepening penetration in B30 markets, expanding its product suite, and strategically investing in partnerships and acquisitions.
Technology and AI are central to Turtlemint's operations, powering their advisor ecosystem through platforms like Turtlemint Academy for training, customer engagement tools, and a digital transaction infrastructure. The company is also exploring agentic AI-enabled services to enhance key performance indicators such as agent activation, productivity, cross-sells, and renewals.
Regarding financial performance, the company explained that FY25 financial numbers were presented on a pro forma basis due to the acquisition of a material subsidiary. For FY26, revenue grew by 57% to ₹1,098 crore, and service EBITDA grew by 70% to ₹142 crore. Corporate overheads reduced significantly as a percentage of revenue, from 38% in FY25 to 23% in FY26, and further to 16% in Q4 FY26, demonstrating strong operating leverage. Adjusted EBITDA for the full year was a loss of ₹105 crore, a significant improvement from the prior year's loss of ₹186 crore. Profit after tax before exceptional items was ₹129 crore for FY26. The company achieved breakeven adjusted EBITDA for Q4 FY26 and expects continued improvement in profitability in FY27, aiming for consolidated profitability for the full year.
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