Wsfx Global Pay Limited · BSE:WSFX
Wsfx Global Pay — Q2 FY2026-27 Earnings Presentation
23 slides from Wsfx Global Pay's earnings presentation, Oct 26, 2026
Slide 1: Investor Presentation Q2 & HY1 FY 2026–27
Investor Presentation Q2 & HY1 FY 2026–27 · Quarter and half-year ended 30 September 2026 India's Leading Omni-Channel Forex & Cross-Border Payments Fintech Q2 FY 2026–27 — Record scale, strong profitability, and the first quarter under a perpetual AD-II mandate. ₹2,914 Cr ₹44.58 Cr ₹5.33 Cr Gross T
Slide 2: A regulated cross-border payments platform
GlobalPay at a Glance · Company & Platform A regulated cross-border payments platform. WSFx Global Pay Limited (GlobalPay) is an RBI-licensed AD Category-II, BSE-listed, ISO 27001:2022-certified and PCI DSS-certified cross-border payments and forex platform serving education, business, medical and t
Slide 3: GlobalPay Forex Cards - a card for every journey
Product Portfolio · Forex Cards GlobalPay Forex Cards - a card for every journey. A segment-led portfolio spanning corporate, leisure, premium and student needs—delivered through an app-enabled card platform. Global Pay Card Smart Forex Card Single / multi-currency proposition ( 30 ) Smart Switch pr
Slide 4: GlobalPay Platforms – a platform for every segment
Digital Infrastructure · Unified Platform Stack GlobalPay Platforms – a platform for every segment Consumer, corporate, agent and partner journeys connected through unified KYC, workflows, transaction execution and MIS. Secure · Compliant · Scalable · Omnichannel 0 1 · A g e nt D i st r i b u t i o
Slide 5: Record scale. Strong Profitability.
Executive Summary · Three Takeaways Record scale. Strong Profitability. Q2 signed off the strongest quarter ever — two months crossed ₹1,000 Cr and September set an all-time record. PBT inflected from ₹0.58 Cr in Q1 to ₹5.33 Cr in Q2. The perpetual AD-II licence, Banking Circle – Nostro A/c, Masterc
Slide 6: The AD-II mandate is perpetual — being operationalised
Regulatory Milestone · AD-II Authorisation The AD-II mandate is perpetual —being operationalised Authorisation status · GlobalPay operating entity What this means for GlobalPay AD Category-II authorisation Wider scope, scalable distribution and longer-duration certainty. 01 Perpetual AD-II authorisa
Slide 7: Every headline metric up.
Q 2 S c o r e c a r d · A c tu a l v s P r io r Y e a r v s Q o Q Every headline metric up. Turnover, revenue and profit all grew year on year, with Q2 carrying two-thirds of first-half turnover. Gross Turnover Revenue from Operations Profit Before Tax ₹2,914 Cr ₹44.58 Cr ₹5.33 Cr +41.2% YoY · +95.5
Slide 8: Two quarters, ₹4,405 Cr of turnover.
H Y 1 S C O R E C A R D · FI R S T H A L F FY 2 0 2 6 – 2 7 Two quarters, ₹4,405 Cr of turnover. First-half gross turnover rose 39.5% to ₹4,404.73 Cr and revenue from operations grew 29.2% to ₹67.81 Cr. Q2 supplied two-thirds of the half, and profit rose in both quarters YoY. Gross Turnover Revenue
Slide 9: A record quarter despite a tougher market.
Operating Environment · Q2 FY 2026–27 A record quarter despite a tougher market. Cyclical drag from FX volatility, US visa scrutiny and weak discretionary travel sat against a peak student-remittance season, record NBFC disbursements and the unlocked regulatory mandate. Cyclical Headwinds Structural
Slide 10: Q2 FY27 a record quarter. a new benchmark for growth.
Q2 FY 2026–27 Performance (₹ Cr) Q2 FY 27 a record quarter. a new benchmark for growth .
Slide 11: Quarterly Trends. sustained growth momentum.
Quarterly Trends Quarterly Trends. sustained growth momentum.
Slide 12: A step-change in scale, seasonally amplified.
Quarterly Trends · Gross Turnover 2 A step-change in scale, seasonally amplified. Q2 FY 2026–27 is the highest quarter ever with turnover touching ₹2,914 Cr. Segment GTO (₹ Cr) — Student + Corporate + Retail Q2 FY27 segment GTO ₹2,914 Cr Q1 Q2 Q3 Q4 +41% YoY HY1 FY27 segment GTO ₹4,405 Cr +39.5% YoY
Slide 13: Remittance at record scale; cards rebuilding
T r e n d s · R e m itta n c e s & Fo r e x C a r d s Remittance at record scale; cards rebuilding Remittance scaled on AD-II outward wire transfers for students; prepaid-card GTO grew 28.9% QoQ with card distribution going live. Remittance · GTO Forex Card · GTO Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 (HY1) (HY1)
Slide 14: Student carried the record; retail returned to growth.
G r o w th E n g in e · C u s to m e r S e g m e n t T r e n d s & M ix Student carried the record; retail returned to growth. Student +44.2% YoY, Corporate +12.3%, and Retail back to growth at +19.1% after −13.0% in Q1 — the recovery plan is working. Segment Q2 FY27 AD-II Outward Remittance Student
Slide 15: The largest segment — increased wallet share.
S tu d e n t S e g m e n t · D e e p D iv e The largest segment — increased wallet share. Student Q2, 83% of turnover. NBFCs; consultant channels broaden the corridor base. Student Segment · Q2 FY27 Student · GTO (₹ Cr) Q1 Q2 Q3 Q4 +44.2% (HY1) CAGR — 43.34% (FY21–FY26) NBFC partners, consultants an
Slide 16: Institutional engines widening the base — now converting.
C o r p o r a te B u s in e s s Institutional engines widening the base — now converting. Corporate turnover grew 12.3% YoY with 900+active corporates with Key Customers like EY, Siemens, Tech Mahindra, Zoho, LTIMindtree etc. Corporate Segment · Q2 FY27 C o r p o r ate · G TO ( ₹ C r ) Q1 Q2 Q3 Q4 +
Slide 17: Retail returned to growth; distribution is now the lever.
Retail & Distribution Retail returned to growth; distribution is now the lever. Retail gross turnover grew 19.1% YoY after a 13.0% decline in Q1. Card distribution is live with 22 partners and the branch network stands at 26. Retail Segment · Q2 FY27 R etail · G TO ( ₹ C r ) +19.1% Q1 Q2 Q3 Q4 YoY r
Slide 18: Revenue growing ahead of cost.
Trends · Gross Revenue & SG&A Revenue growing ahead of cost. Revenue from operations grew 91.9% QoQ against 29.4% for SG&A — the quarter shows operating leverage, with SG&A at 29% of revenue. Revenue from operations (₹ lakhs) SG&A expenses (₹ lakhs) Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 (HY1) (HY1) QoQ revenue gr
Slide 19: Financial Results
Financial Results - R eg 3 3 ( U na udit ed) · S E B I L OD R Financial Results
Slide 20: Seven priorities for scalable growth.
Strategic Focus Seven priorities for scalable growth. Execution is focused on translating regulatory enablement, digital capability and distribution reach into diversified, repeat-led growth. Scale · 01 Scale · 02 Scale · 03 Operationalise FEMA 401 Deepen student payments Increase wallet share Expan
Slide 21: Four pillars supporting the GlobalPay platform.
GlobalPay Foundation Four pillars supporting the GlobalPay platform. A simple view of the institutional strengths underpinning scalable, trusted growth. 01 02 03 04 Pillar Pillar Pillar Pillar Governance Digital infrastructure Customer centricity Compliance BSE-listed (Scrip Code 900+ corporate Perp
Slide 22: Important information about this presentation.
Disclaimer & Contact Important information about this presentation. 01 · General information 02 · Forward-looking statements This presentation has been prepared by WSFx Global Pay Limited Statements regarding future performance, plans, expectations (GlobalPay) solely for informational purposes. The
Slide 23: Thank you.
Investor Presentation Thank you.