Intellect Design Arena Ltd · NSE:INTELLECT
Intellect Design Arena — Q3 FY26 Earnings Presentation
33 slides from Intellect Design Arena's earnings presentation, Jan 30, 2026
Slide 1: Exchange filing cover letter
IDAL/2025-26/SE/73 January 30, 2026 National Stock Exchange of India Ltd Scrip Symbol - INTELLECT BSE Ltd. Scrip Code – 538835 Dear Sir/Madam, Sub: Analysts / Institutional Investors Presentation We enclosed herewith the presentation prepared for the analysts and institutional investors on Unaudited
Slide 2: Q3FY26 Earnings Announcement
The World’s only Open Finance, Composable and Contextual Financial Technology Company Q3FY26 Earnings Announcement
Slide 3: Safe Harbour Statement
Safe Harbour Statement Certain statements in this release concerning our future prospects are forward-looking statements. Forward-looking statements by their nature involve a number of risks and uncertainties that could cause actual results to differ materially from market expectations. These risks
Slide 4: Intellect: A Global Fintech Product Company
Intellect: A Global Fintech Product Company The World’s only Open Finance, Composable and Contextual Financial Technology Company Our Promise 61 3 6,500+ 500+ To drive measurable business impact for Countries Decades of Domain Associates across Customers financial institutions by combining AI-First
Slide 5: AI First Transformation Design
AI First Transformation Design 5 waves have brought us to today A decade long Wave 1 : Data and AI as experiments Wave 2 : Data and AI as a solution AI journey Wave 3 : Data and AI as products Wave 4 : Data and AI as a platform grounded in Wave 5 : Intelligence as an ecosystem real customer challeng
Slide 6: The Future is AI-First, Composable and Connected
The Future is AI-First, Composable and Connected Data to knowledge Knowledge to Intelligence AI to Enterprise Connected Intelligence Source: IDEO © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials
Slide 7: Purple Fabric: Enterprise AI Built for Business Impact
Purple Fabric: Enterprise AI Built for Business Impact ● Architected for accuracy, security and governance at scale, delivering 95%+ accuracy in regulated environments ● Extends existing AI investments while reducing LLM costs, with clear cost benefit visibility ● No lock ins, no black box, offering
Slide 8: Performance Overview
Performance Overview © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information sto
Slide 9: Growth Momentum Accelerates Across All Financial Metrics
Growth Momentum Accelerates Across All Financial Metrics Robust Top-line Growth in Last Sustained Growth in Robust Top-line Growth StrongTop-line Robust EBITDA Growth Growth License-Linked Revenue Twelve Months Intellect delivered a strong Q3 FY26 with Last EBITDA increased from INR 534 Cr in LTM Q3
Slide 10: Algorithm of Scale
Algorithm of Scale ● ₹3,000 Cr LTM revenue, anchored on three scaled business engines ○ Wholesale Banking: Around ₹1,400 Cr (scale engine initiated in 2015) ○ Consumer Banking: Around ₹1,000 Cr (next growth focus from 2018) ○ IntellectAI (Wealth, Insurance & AI): Around ₹500 Cr (third engine establi
Slide 11: Financial Highlights
Financial Highlights © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information sto
Slide 12: Last Twelve Months - Financial Highlights
Last Twelve Months - Financial Highlights INR Cr 3025 Cr 1732 Cr 1595 Cr 1118 Cr 23% YoY Growth Gross Margin Licence Linked Revenue Annual Recurring Revenue (ARR) 53 Total Income (License + Platform + AMC Deal Wins Gross Margin % - 57% Revenues) (On Annualised Basis) 709 Cr 512 Cr 540 Cr 497 Cr 33%
Slide 13: Q3FY26 - Financial Highlights
Q3FY26 - Financial Highlights INR Cr 753 Cr 400 Cr 391 Cr 1118 Cr 21% YoY Growth Gross Margin Licence Linked Revenue Annual Recurring Revenue (ARR) 9 (License + Platform + AMC Deal Wins Total Income Gross Margin % - 54% Revenues) (On Annualised Basis) 122 Cr 69 Cr 93 Cr 155 Cr EBITDA 34% YoY Growth
Slide 14: Financial Highlights
Financial Highlights INR Cr Q3 FY 26 Q2 FY 26 Q3 FY 25 Growth YoY TOTAL INCOME 753 789 621 21% EBITDA 122 184 134 (17%) LLR 391 423 292 34% PBT 69 136 93 (35%) DSO (Excl. GeM and 102 122 122 Contractually Not Due) © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confi
Slide 15: Revenue Mix: Currency Wise Q3FY26
Revenue Mix: Currency Wise Q3FY26 OTHERS 9% EURO 6% GBP 13% USD 43% CAD 13% © 2024, Intellect Design Arena Limited. INR 16% All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, elec
Slide 16: Unaudited Financial Results for the Third Quarter Ended December 31, 2025
Unaudited Financial Results for the Third Quarter Ended - December 31, 2025 Additional Information on function-wise classification of the statement of Profit and Loss of the Group INR Cr Quarter Ended Last Twelve Months Ended Full Year Ended Particulars Dec 31, 2025 Sept 30, 2025 Dec 31, 2024 Dec 31
Slide 17: Funnel Progression
Funnel Progression The current funnel of Intellect INR 12,038 Cr Destiny Q3FY26 Q2FY26 Q3FY25 INR 12,003 Cr Deals INR 9,996 Cr # Of Deals 98 97 91 Avg Deal Q3FY26 Q2FY26 Q3FY25 Size 66 63 54 INR Cr Q3FY26 Q2FY26 Q3FY25 Out of INR 12,038 Out of INR 12,003 Out of INR 9,996 Cr Cr funnel value, Cr funne
Slide 18: Destiny Deals
Destiny Deals Q3FY26 Q2FY26 Q3FY25 ● 1 Won > INR 50 Cr 27 ● 1 Lost ● 25 from previous qtr 27 25 ● 2 added ● 2 Won INR 30 Cr - ● 1 Lost INR 50 Cr 34 32 30 ● 29 from previous qtr ● 5 added ● 1 Won ● 2 Lost 38 36 INR 20 Cr - 37 INR 30 Cr ● 35 from previous qtr ● 2 added ● 4 Won Total High Value 97 91 9
Slide 19: Board Announcement
Board Announcement Appointment of Mr. D. Shivakumar as Additional Director (Independent Director) The Board of Directors has approved the appointment of Mr. D. Shivakumar as an Additional Director, designated as an Independent Director, on the recommendation of the Nomination, Remuneration and Compe
Slide 20: Deal Wins: Accelerating Growth with eMACH.ai & Purple Fabric
Deal Wins: Accelerating Growth with eMACH.ai & Purple Fabric © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical in
Slide 21: Accelerating growth with eMACH.ai and Purple Fabric
Accelerating growth with eMACH.ai and Purple Fabric Intellect recorded 9 new deals in Q3FY26 including 4 destiny deals As Intellect furthers its global A US based specialised mutual A valued customer of Intellect One of Sri Lanka’s leading banks, expansion by bringing the world’s insurance company t
Slide 22: Accelerating growth with eMACH.ai and Purple Fabric
Accelerating growth with eMACH.ai and Purple Fabric Other significant deal wins A leading technology solution provider has The world's leading Islamic Bank, The fastest growing bank as well as selected the eMACH.ai Core Banking as its headquartered in Dubai selected one of the most profitable banks
Slide 23: Growth Catalysts: Platform & Ecosystem Expansion
Growth Catalysts: Platform & Ecosystem Expansion © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including phot
Slide 24: Launching the World's Only AI-First Payments Platform to US Market
Launching the World’s Only AI-First Payments Platform to US Market As part of the US market expansion, Intellect launches the world’s only AI-first payments platform, architected from first principles for business impact. As a purpose-built low-code/no-code composable framework, the platform enables
Slide 25: Purple Fabric Ecosystem Expands with Value Discovery Partners
Purple Fabric Ecosystem Expands with 14 Value Discovery Partners Intellect has onboarded 14 Value Discovery Partners across India, Africa, Europe, the UK, APAC and Canada to accelerate AI First value discovery and enterprise adoption of Purple Fabric, its Business Impact AI platform. These partners
Slide 26: Fintel Joint Ventures to Commercialise AI-led Financial Advisory Platform
Fintel Joint Ventures to Commercialise AI-led Financial Advisory Platform Intellect has partnered with Fintel, a listed Fintel currently serves over 80% of the UK and leading provider of fintech and support financial advisory market either directly or services to the UK retail financial services thr
Slide 27: Market Validation & Leadership Recognition
Market Validation & Leadership Recognition © 2024, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy
Slide 28: Time Magazine recognises Intellect CMD Arun Jain as Growth Architect
Time Magazine recognises Intellect CMD Arun Jain as "Growth Architect" The recognition of Arun Jain, Chairman and Managing Director of Intellect Design Arena, by Time Magazine marks a definitive transition from digital scale to measurable business outcomes, positioning the company as a "Growth Archi
Slide 29: Celebrating Recognition and Industry Excellence
Celebrating Recognition and Industry Excellence Intellect Won Gold Medal in Datos Impact Awards Intellect Named World’s Best Transaction Banking for Banking Innovation Software Provider 2025 by Euromoney eMACH.ai Transaction Limits Management (TLM) solution has been awarded the Gold medal for Best I
Slide 30: Leadership Position Endorsed by Market Leading Analyst
Leadership Position Endorsed by Market Leading Analyst IDC ● Intellect's Corporate Loan Life Cycle Management system is identified in the "LEADERS" category in IDC MarketScape: Worldwide Corporate Loan Lifecycle Management 2025 Vendor Assessment Gartner ● eMACH.ai Core Banking was acknowledged as a
Slide 31: Stock Information
Stock Information Shareholding Pattern (As on 31st December 2025) Stock Data (As on 31st December 2025) Market Cap ₹ 13,541.50 Cr Stock Price ₹ 972 Promoters Others 52 Week (High / Low) ₹ 1,255 / ₹ 577 NSE / BSE - Symbol INTELLECT / 538835 FPI No. of Shares Outstanding 13,93,15,462 6.33% Mutual Fund
Slide 32: Contacts
Contacts Vasudha Subramaniam Praveen Malik Nachu Nagappan Investor Relations Corporate Communication Chief Financial Officer +91 89397 82837 +91 89396 19676 vasudha.s@intellectdesign.com praveen.malik@intellectdesign.com nachu.nagappan@intellectdesign.com © 2024, Intellect Design Arena Limited. All
Slide 33: © 2026, Intellect Design Arena Limited. All rights reserved. These materials are confidential and
© 2026, Intellect Design Arena Limited. All rights reserved. These materials are confidential and proprietary to Intellect and no part of these materials should be reproduced, published in any form by any means, electronic or mechanical including photocopy or any information storage or retrieval sys
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