Wsfx Global Pay Limited · BSE:WSFX
Wsfx Global Pay — Q3 FY2025-26 Earnings Presentation
28 slides from Wsfx Global Pay's earnings presentation, Feb 13, 2026
Slide 1: Investor Presentation submission letter to BSE
Date: February 13, 2026 To The Manager, Department of Corporate Services, BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai – 400 001 Subject: Investor Presentation Scrip ID: WSFX Scrip Code: 511147 Dear Sir/Madam, Pursuant to Regulation 30 of SEBI (Listing Obligation and Disclosure
Slide 2: Investor Presentation Q3 / FY 2025-26
1 INVESTOR PRESENTATION Q3 / FY 2025-26
Slide 3: About us
GlobalPay * Specialists in Forex & Outward Remittances for Students & Corporates 30+ Years of Forex Leadership * Multi-Segment Forex Cards | One for Every Global Journey Backed by Trust, Built for Growth * Tailored Corporate FX Solutions | Trusted by 850+ Businesses * Student-Centric Remittance & Ca
Slide 4: Business Landscape
Business Landscape • Regulated Industry with High compliance Omni- Channel Payment Fintech • High Competition, Lower Margins. • Key customer Segments of Students, Leisure Travel, Business Travel. 21 Digital Forex • Leisure travel boom, Student travel affected due to Visa restrictions, country specif
Slide 5: GlobalPay Values, Vision, Mission
What we stand for GlobalPay Values Vision Trust & At GlobalPay, our vision is to be as a leading Transparency payment Fintech, delivering secure, innovative, and reliable digital solutions in cross-border payments — built on trust, transparency, and long-term value for our customers and stakeholders
Slide 6: GlobalPay - Timeline
GlobalPay GlobalPay - Timeline 2024 LAUNCHED GLOBALPAY 2022 -; CARDS ASA PRIMARY MEMBER OF VISA, RENAMED TO WSFX GLOBAL PAY LTD AND CLASSIFIED AS FINTECH WITH FOCUS ON - 2025 2018 CROSS BORDER PAYMENTS REBRANDED AS. FOCUSED ON DIGITAL ieeoRececue: TRANSFORMATION, 2009 STUDENT, AND. CORPORATE SEGMENT
Slide 7: India's True Zero Fee Forex Card
India’s GlobalPay True Zero Fee Multi-currency Card 12 key International Currencies Forex Card Xplorer Metal Global Card India’s First Metal Prepaid Global Card GlobalPay Smart Switch Card Switch between single and 30 multi-currencies
Slide 8: Digital Platforms & Solutions
Digital Platforms & Solutions Smart Corporate Platform Smart Agent Platform Designed for corporate forex needs A comprehensive digital solution for Forex and remittance management Trusted by 850+ leading corporates Trusted by 650+ agent partners
Slide 9: Digital Platforms & Solutions
Digital Platforms & Solutions GlobalPay FPaaS Platform GlobalPay App & Web Portal Forex & Remittance Platform as a Service for Partner Manage your forex requirements digitally Network / Overseas University / Colleges with GlobalPay App and Portal
Slide 10: Global Remittance Solutions
Global Remittance Solutions Personal Student Remittance Remittance Visa Fees University Fee Own Account Job Visit University Fee Payments Medical Expense Student Living Expense Gift Emigration Family Maintenance
Slide 11: GlobalPay App - India's First Global Transit App
GlobalPay App- India’s First Global Transit App Features: Card Management: • Buy, manage & reload your forex card • Get live forex rates on your dashboard for seamlessly transparent booking • Send money abroad under LRS for education, • Generate or change your card PIN online travel, living expenses
Slide 12: Dream Folks - Pay-Per-Use
Dream Folks - Pay-Per-Use Global Lounge Pass GlobalPay Lounge Card enables travelers to enjoy premium airport lounges worldwide with 4 complimentary international lounge passes annually, Travel and Transit Services along with the flexibility to access additional lounges and travel benefits as Experi
Slide 13: Q3 Performance Highlights
Q3 Performance Highlights Market conditions remained challenging but corridor mix improved: The overall LRS market contracted by ~5% YoY, with the student segment declining ~24% amid a sharp 40–50% drop in the US corridor due to visa and intake restrictions; this was partially offset by increased st
Slide 14: Key Metrics Q3 FY25-26
Key Metrics Q3 FY25-26 Gross Turnover (GTO): Revenue: EBITDA Margin: 1,579 Crore 28.35 Crore 38% YoY Growth 41% YoY Growth PBT: 1.99 Crore, 13% 71% YoY Growth PAT: 1.75 Crore CAGR 5 Years: 50% YoY Growth Return on Equity (ROE): Card GTO- 35.44% 13.69% Remittance GTO- 40.48% Digital Contribution: 62%
Slide 15: Q3 Performance Highlights
Q3 Performance Highlights Q3 : GTO – INR 1578.56 Cr. Rev – INR 28.35Cr. PBT – INR 1.99 Cr. ‹# ›
Slide 16: Q3 Performance - Compare
GlobalPay Q3 Performance - Compare Q3/25-26 & Q2/25-26 Performance & Comparison Particulars (INR Cr) Q3/25-26 Q2/25-26 % Inc Gross Turnover 1,578.56 2,063.22 -23% Revenue from Ops 28.35 34.96 -19% Other Income 1.03 0.90 15% PBT 1.99 4.86 -59% Q3/25-26 & Q3/24-25 Performance & Comparison Particulars
Slide 17: Quarterly / FY Trends
Quarterly / FY Trends 9 months PBT of Rs. 7.02 Cr, Surpassing the full year PBT of FY 25, underscoring strong earnings visibility and scalability
Slide 18: Comparative Charts – Revenue & Expenses
Comparative Charts – Revenue & Expenses Q3 CAGR 43.94% Q3 CAGR 23.15% (Base year: FY20-21) (Base year: FY20-21) Scalable Digital Model >> Driving Revenue Growth and Cost Efficiency
Slide 19: Student – University Fees & Living expenses
Student – University Fees & Living expenses • Market size : 3 Billion USD, -16% degrowth • Channel: 500+ Strong B2B Network of Agents, Study Consultants, Education Loan Providers, etc. • Platforms : Digital B2B & D2C platform • Products : Student Specific solutions – Q3 CAGR 39.32% University Fee Pa
Slide 20: Corporate – Business Travel
Corporate – Business Travel • Market Size: 2-3 Billion USD • Corporate Base: 900+ Corporate customers • Key customers include Accenture, Siemens, EY, Zoho, Tech Mahindra, Reliance, LTIMindtree, Godrej, Titan, Adani Q3 CAGR 91.07% etc. (Base year: FY20-21) • Platform: Smart Corporate Platform for For
Slide 21: Retail – Leisure & Personal Remittances
Retail – Leisure & Personal Remittances • Market size: Leisure Travelers around 12 Billion USD Family maintenance and Gift remittance market size around 6.5 Bio USD. • Focus on tourist travel, Family Maintenance and Gift remittance. • Channel: Branches & Digital Q3 CAGR 31.73% • Platforms: B2B & D2C
Slide 22: Product Growth
Product Growth Forex Card Outward Remittance Q3 CAGR 35.44% Q3 CAGR 40.48% (Base year: FY20-21) (Base year: FY20-21)
Slide 23: Financial Results
GlobalPay Financial Results Statement of unaudited financial results for the quarter and nine month ended 31st December 2025 (Rs. in Lakhs) Sr. P Quarter Ended Nine Month Ended ___ [| Year Ended_| x Particulars 31-Dec-25 30-Sep-25 31-Dec-24 31-Dec-25 31-Dec-24 | 31-Mar-25 (Unaudited) | (Unaudited) |
Slide 24: GlobalPay Foundation: Trust, Transparency, Innovation & Compliance
GlobalPay Foundation: Trust, Transparency, Innovation & Compliance ⚬ Omni-channel network ⚬ 21 branches ⚬Independent board Corporate ⚬Committees ⚬ Digital platforms Governance ⚬ Process automation ⚬Internal audits ⚬ Cost optimization Digital ⚬System audits Customer ⚬System level process & Centricity
Slide 25: Way Forward
Way Forward Marketing for D2C Implementing targeted marketing campaigns aimed at expanding the D2C customer base, with a focus on leveraging PA – CB License digital channels, social media, and partnerships to promote GlobalPay’s prepaid forex cards, cross-border Facilitating payments between domesti
Slide 26: GlobalPay Advantage
GlobalPay Advantage Trust, Transparency, Innovation & Compliance Best One Stop Quick Processing Competitive Forex Shop and Delivery Rates Digital Pan India Platforms Network
Slide 27: Network
Network WSFx Global Pay Limited https://www.facebook.com/wsfx.in/ 6th Floor, Wing C, Corporate Avenue, Chakala, Andheri (East), Mumbai – 400093 https://www.instagram.com/globalpay_wsfx/ Branches Network Ahmedabad, Anand, Amritsar, Bangalore, Chandigarh, Chennai, Coimbatore, Delhi, Goa, Hoshiarpur, H
Slide 28: Disclaimer
Disclaimer • The material in this presentation has been prepared by WSFx Global Pay Limited and is general background information about Global Pay’s activities current as at the date of this presentation. This information is given in summary form and does not purport to be complete. • Information in