Geojit Financial Services Ltd · NSE:GEOJITFSL
Geojit Financial Services — Q3 FY2026 Earnings Presentation
40 slides from Geojit Financial Services's earnings presentation, Jan 17, 2026
Slide 1: Cover letter to stock exchanges: Earnings Update Q3 FY26
CIJGEOJIT PEOPLE YOU PROSPER WITH 16.01.2026 To, To, The Manager, The Manager, Listing Department, Listing Department, National Stock Exchange of India Limited, BSE Limited, 'Exchange Plaza', C-1, Block- G, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex Dalal Street, Bandra (E), Mumbai - 400 051 Mu
Slide 2: Geojit Financial Services Q3 | 9M FY26 Investor Presentation
Geojit Financial Services Q3 I 9M FY26 | Investor Presentation A Trusted Partner in Wealth Creation for four decades
Slide 3: Table of Contents
01 02 03 Quarterly Highlights Company Overview Business Overview Table of Contents 04 05 06 Industry Overview Financial Highlights Thank You
Slide 4: Quarterly Highlights
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Slide 5: Management Commentary – Q3 FY26
Management Commentary – Q3 FY26 “Our third-quarter performance was in line with expectations. Revenue from operations stood at ₹160 crore, while EBITDA was approximately ₹39 crore, translating into margins of 24%. The rise in costs was driven not only by one-time provisioning related to labour code
Slide 6: Financial Snapshot
Financial Snapshot ( ₹ in Crores ) Q3 FY26 24.23% ₹ 13.97 8.73% ₹ 160.11 ₹ 38.80 (1,318 Bps) YoY (62.28%) YoY (1,285 Bps) YoY (6.75%) YoY (39.60%) YoY Revenue EBITDA EBITDA Margin PAT PAT Margin From Operations 9M FY26 ₹ 483.06 ₹ 131.25 27.17% ₹ 66.11 13.69% (15.43%) YoY (44.69%) YoY (1,437 Bps) YoY
Slide 7: Operational Snapshot
Operational Snapshot Q3 FY26 217 45,207 ₹142 Crores* ₹630 Crores (30 days Book) Employee Added Clients Added Executed SIP During Q3FY26 Book Net Inflows 9M FY26 647 1,18,856 ₹1,972 Crores Clients Added Net Inflows Employee Added During 9MFY26 *SIP Executed during the month of December 2025.
Slide 8: Quarterly Performance
Quarterly Performance ( ₹ in Crores ) Revenue From Operations EBITDA & EBITDA Margin PBT & PBT Margin 60. 0 100 .0 40% 37% 28% 171.69 169.80 90. 0 35% 50. 0 47.53 160.11 80. 0 26% 18% 70. 0 64.24 30% 40. 0 30.31 25% 60. 0 43.37 24% 38.80 50. 0 20% 30. 0 40. 0 16.34 10% 15% 20. 0 30. 0 10% 20. 0 10.
Slide 9: 9M FY26 Performance
9M FY26 Performance ( ₹ in Crores ) Revenue From Operations EBITDA & EBITDA Margin PBT & PBT Margin 250 .0 300 .0 571.21 237.29 483.06 250 .0 42% 182.79 32% 200 .0 200 .0 27% 150 .0 17% 150 .0 131.25 100 .0 83.29 100 .0 50. 0 50. 0 0.0 0.0 9MFY25 9MFY26 9MFY25 9MFY26 9MFY25 9MFY26 PAT & PAT Margin E
Slide 10: Profit & Loss Statement – Q3 & 9M FY26
Profit & Loss Statement – Q3 & 9M FY26 PARTICULARS Q3 FY26 Q3 FY25 Q2 FY26 9M FY26 9M FY25 Revenue from Operations 160.11 171.69 169.80 483.06 571.21 Other incomes 0.04 0.42 3.15 3.33 0.63 Total Income 160.15 172.11 172.95 486.39 571.84 Fees and commission expense 19.07 21.10 21.43 60.11 77.57 Impai
Slide 11: Company Overview
Company Overview
Slide 12: 39-Year Investment Services Franchise Driving Distribution-Led Growth
39-Year Investment Services Franchise Driving Distribution-Led Growth • Geojit Financial Services Ltd. is a leading integrated investment services and wealth management firm, serving retail, HNI, institutional and NRI clients. ₹1.07 lakh 20 states + crore + • Pioneer in technology-led broking and ad
Slide 13: Journey Through the Years
Journey Through the Years Launched digital Loan Against Mutual Funds by Geojit Credits Launched Established Alternate Geojit IFSC at Investment Fund C J George The company GIFT city for - Geojit Yield Plus founded Geojit and Co. sets up two Launched Established global Introduced Non M/s C J George b
Slide 14: Experienced Management
Experienced Management Mr. CJ George Mr. Satish Menon Mr. Jones George Ms. Mini Nair Chairman & Managing Director Executive Director Executive Director Chief Financial Officer 40+ years markets expertise Commerce graduate AICWA CFP Leads digital transformation, CX, CA with 22+ years in BFSI; former
Slide 15: Key Competitive Strengths
Key Competitive Strengths Integrated presence across broking, product Rapidly Scaling Recurring distribution, Revenue Businesses advisory, PMS, AIF, lending and insurance, Financial products (mutual funds + A scaled, serving retail, PMS) AUM ~₹25,500 crore and HNI/UHNI & NRI recurring asset income o
Slide 16: Business Overview
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Slide 17: Revenue Mix Reflecting a Diversifying Business Model
Revenue Mix Reflecting a Diversifying Business Model Segmental Revenue Mix* Wealth Management A) Transaction- B) Recurring Based Services Income Income Financial Asset Treasury & Technology & Other Equity and Products Management Platform Investment Operating Equity Related Income Income Income Incom
Slide 18: Transaction-Based Services Income – Equity & Equity Related
A) Transaction-Based Services Income – Equity & Equity Related Brokerage Services ( ₹ in Crores ) Customer Assets Geojit’s broking business is focused on non-institutional investors, offering a comprehensive range of services across equity cash and derivatives, supported by in-house research and adv
Slide 19: Broking Business – B2B & Institutional Partnerships
Broking Business – B2B & Institutional Partnerships Through Geojit’s Online Trading Platform, Through Geojit’s online trading platform partner banks’ clients can: clients can trade seamlessly by: Set aside funds in View their bank Contact exclusive Call Blocking & transferring Blocking & their bank
Slide 20: Interest Income from Clients
Interest Income from Clients MTF-driven interest income benefits from rising retail participation, higher trading intensity and a growing secured lending book. Lending Book ( ₹ in Crores ) 695 570 576 Interest from clients is primarily driven by the Margin Trading Facility (MTF), which enables clien
Slide 21: Recurring Income
B) Recurring Income Recurring Revenue AUM ( ₹ in Crores ) Recurring income represents revenues that are largely annuity-led and 24,169 25,502 relationship-driven, providing greater predictability and stability compared to transaction-based income streams. 22,540 788 680 1,099 524 1,041 1,552 1,448 •
Slide 22: Financial Products – Quarterly Growth
Financial Products – Quarterly Growth ( ₹ in Crores ) Mutual Fund AUM (ex Overseas Entities) Smartfolios AUM 1188 1,178 17,767 15,800 15,410 16,610 16,751 14,728 1,119 1,095 1099 1,041 Sept.24 Dec.24 Mar.25 Jun.25 Sept.25 Dec.25 Sept.24 Dec.24 Mar.25 Jun.25 Sept.25 Dec.25 Mutual Fund Income Insuranc
Slide 23: Financial Products – Yearly Growth
Financial Products – Yearly Growth ( ₹ in Crores ) Mutual Fund AUM (ex Overseas Entities) Smartfolios AUM 17,767 1,095 1,099 14,728 12,200 739 7,774 8,460 6,154 306 239 58 FY21 FY22 FY23 FY24 FY25 Dec.25 FY21 FY22 FY23 FY24 FY25 Dec.25 Mutual Fund Income Insurance Income 122 78 66 97 83 71 46 61 43
Slide 24: Portfolio Management Services (PMS)
Portfolio Management Services (PMS) Geojit is a SEBI-registered Portfolio Manager, offering discretionary and non-discretionary portfolio management solutions for high-net-worth and ultra-high-net-worth investors. The PMS business focuses on long-term wealth creation, with portfolios constructed bas
Slide 25: Geojit Alternate Investment Fund
Geojit Alternate Investment Fund Alternate Geojit launched its Alternate Investment Fund offering, GeojitInvestment Yield Plus Fund - A Cat III AIF with an absolute return strategy. About the product Returns Financial Instruments The fund shall invest in equity Aim an Alpha of ~150-200 bps derivativ
Slide 26: Technology-Driven Investment Platforms
Technology-Driven Investment Platforms Enables business models that enhance ease of use and drive operational efficiency Smartfolios is a stock- FundsGenie is a Flip / TraderX is MyGeojit is a client Geojit Credits is a basket investment user-friendly mutual Geojit’s advanced engagement and 100% dig
Slide 27: Re-shaping Geojit 2.0: The Transformation Story
C) Re-shaping Geojit 2.0: The Transformation Story for the Next Phase of Growth 9MFY25 9MFY26 11% 13% 51% 28% The shift in revenue 36% 61% mix reflects Geojit’s strategy of scaling recurring, wealth Transaction-Based Recurring Business Other Business and distribution- Transaction-Based Recurring Bus
Slide 28: Transformation Pillar 1: Broking-Led to Wealth & Distribution-Driven
Transformation Pillar 1: Transitioning from a Broking-Led Model to a Wealth & Distribution-Driven Shifting focus from past broking-led revenue reliance, aiming for a recurring income model, we seek to transform into a robust wealth and distribution-driven franchise prioritizing consistent revenue an
Slide 29: Transformation Pillar 2: Strengthening Global NRI Wealth Funnels
Transformation Pillar 2: Strengthening Global NRI Wealth Funnels Across the Middle East & GIFT City Advantage Channeling NRI Wealth as a Growth Engine for India Expanding the global NRI growth engine with a unique first-mover edge • First Indian Licensed Brokerage in the UAE & Oman • Deep, Establish
Slide 30: Transformation Pillar 3: Scaling Distribution, Sales Intensity & Client Engagement
Transformation Pillar 3: Scaling Distribution, Sales Intensity & Client Engagement Scaling Distribution, Driving Client Engagement Across Segments Dual-level hiring to scale distribution and deepen client engagement for annuity-led growth Robust Core Distribution Expansion Strategy & Client Stickine
Slide 31: PAN India Presence
PAN India Presence Jammu & Kashmir Uttarakhand Punjab Chandigarh Delhi - NCR 500+ offices Haryana across India Uttar Pradesh Rajasthan Bihar Assam Madhya Pradesh We have presence in 20 States and 3 Union Gujarat West Bengal Territories Maharashtra Jharkhand Odisha Geojit network Telangana Goa Andhra
Slide 32: Strong Presence in the Gulf
Strong Presence in the Gulf Established Network in Key GCC Markets Enabling Strategic Synergies UAE • Barjeel Geojit Financial Services • 1st Indian licensed brokerage since 2001 • HQ in Dubai, Branches in Abu Dhabi & Sharjah SYRIA Bahrain • Partnership with Bank of Bahrain & Kuwait IRAQ IRAN since
Slide 33: ESG & CSR Initiatives
ESG & CSR Initiatives Building Sustainable Growth (ESG) Empowering Communities (CSR) Environmental Social Governance Environmental Social Governance • Green building accreditation & resource efficiency • Digital Kerala history documentation program • Low-carbon, biodiversity-friendly operations • Fr
Slide 34: Industry Overview
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Slide 35: India's Equity Markets: Structural Growth Tailwinds
India’s Equity Markets: Structural Growth Tailwinds Equity Market Size & Forecast Broking Industry & Growth Drivers Current Market Cap: Current Broking Market Size: • Among the world's largest at US$5.3 trillion as of Dec 2025 • Valued at ~USD 4.25 billion in 2025 10.0 • Projected Growth: Expected t
Slide 36: Wealth & Distribution: A Multi-Decade Growth Opportunity
Wealth & Distribution: A Multi-Decade Growth Opportunity India’s Wealth Management AUM Growth AUM in US$ Trillion 2.3 Wealth Management • India's HNI population projected to grow 55% by 2029, UHNI count rising at 10.8% CAGR (FY24-FY29) 1.1 • Investable household assets expected to double • Massive m
Slide 37: Annual Financial Highlights
Annual Financial Highlights
Slide 38: Income Statement
Income statement ( ₹ in Crores ) PARTICULARS FY23 FY24 FY25 Revenue from Operations 439.29 614.13 747.91 Other Income 8.34 9.84 1.41 Total Income 447.63 623.97 749.32 Fees and commission expense 61.24 86.39 101.13 Impairment of financial instruments 2.57 0.17 1.26 Employee benefit expenses 160.40 22
Slide 39: Balance Sheet Highlights
Balance Sheet Highlights ( ₹ in Crores ) As on 31st As on 31st As on 30th As on 31st As on 31st As on 30th Total Equity & Liabilities Total Assets Mar-24 Mar-25 Sep -25 Mar-24 Mar-25 Sep -25 Total Equity 911.55 1,243.50 1,255.25 Non-financial assets 147.16 160.84 200.09 Share Capital 23.91 27.90 27.
Slide 40: Thank You
Thank You Geojit Financial Services Ltd Adfactors PR Pvt. Ltd. Elizabeth V Vaibhav Gupta Elizabeth_v@geojit.com vaibhav.gupta@adfactorspr.com Vivek Sahu vivek.sahu@adfactorspr.com
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