Top Tweets for #VirtualGalaxyInfotech
#SME #VGInfoTech #VirtualGalaxyInfotech
Virtual Galaxy Infotech H2 FY26 Earnings Concall Highlights
👉 FY27 & Future Outlook:
▫️Revenue expected to grow at 40%+ CAGR over the next three years, targeting >₹500 crore by FY29 (3x FY26 levels) while maintaining ~25% PAT margin and healthy inline profitability.
💠Recurring/SaaS revenue (currently ₹76.7 crore / 42% of total) expected to scale meaningfully to ~₹200 crore by FY29 through deeper client penetration and cross-platform integrations.
💠BFSI (core banking, payments, eLOS) to remain the dominant driver with contribution from NBFC opportunity (RBI scale-based regulation now applicable to ~350 middle/upper-layer NBFCs), cross-selling, and existing client wallet share expansion.
💠Newer segments (cybersecurity via CyberSentinel, government digitization via e-Autopsy/e-APMC, and ERP) to increase contribution progressively (target shift from current ~90:10 to 70-80:20-30 mix over 3 years) with dedicated teams and profit-center focus.
💠International exports (currently 6% / ₹11.7 crore) targeted to reach 20-25% of revenue mix in the near term through expanded Africa/GCC footprint, additional markets, and matured platforms already integrated with local payment ecosystems.
💠AI positioned as a clear tailwind and enhancement layer (not disruption): Virtual Vani (conversational AI) already integrated across core banking, cybersecurity, and workflows; all products now AI-adaptive for better automation, analytics, and client stickiness.
👉 Current Order Book / Projects and Future Pipeline:
▫️Unexecuted order book at year-end: ₹111.6 crore (90% BFSI, 10% others).
💠~60% expected to be executed in FY27 (~₹67 crore), with the balance spilling into subsequent years; new pipeline additions will further support revenue.
💠Active bid pipeline across segments: ~₹1,000 crore with historical ~20% win ratio, providing strong visibility in core banking/NBFC onboarding, government digitization, cybersecurity, and international projects.
💠Key growth levers include:
- 97 new branches added in FY26 (highest ever, total live branches now significantly expanded)
- 17 new clients added (including Goa & Mizoram State Cooperative Banks, multiple Maharashtra DCCBs, Botswana Development Corporation, World Bank-funded projects, Sangli Urban Bank), and cross-selling of newer platforms (CyberSentinel, e-Autopsy, etc.).
💠Hybrid integrated SaaS model (hardware + software + cybersecurity + cloud) driving larger deal sizes and faster plug-and-play deployments.
👉 Other Notable Points:
▫️Revenue breakup (FY26):
💠BFSI 90%, ERP 9.31%, e-governance 0.59%; domestic 93.6%, exports 6.4%.
💠Incremental ₹62 crore growth driven by mix of new client wins (~₹15.73 crore domestic + ~₹10 crore exports) and existing client expansion.
💠Business quality metrics: churn <2%, contracts typically 5-7 years, recurring revenue at 42% with clear path to higher SaaS contribution.
▫️Balance sheet highlights:
💠Borrowings ₹39.7 crore, ROE 29.6%, ROCE 34.8%, cash balance ₹31.2 crore.
💠Cash flows expected to turn positive in FY27 (timing impact from Q4 revenue booking).
💠Tangible asset addition (~₹100+ crore) primarily for BOT projects, data centers, and GPU infrastructure supporting hybrid SaaS model.
💠Client & people metrics: top-10 client concentration improved to 21% (vs 47% earlier); total workforce 427 (development team 204, +69% YoY).
💠Capital deployment focus: product enhancement, AI integration, data-center build-out, and ecosystem infrastructure; order-to-order capitalization vs P&L treatment for software investments.
💠Strategic strengths: 28+ years domain expertise, 13+ platforms, 20+ states & 13 international projects (Africa/GCC focus), 30+ billion transactions processed. Maharashtra concentration viewed through industry (cooperative banking) lens rather than pure geography. Operations insulated from geopolitical issues.
💠Management emphasis: product & platform-led model (not traditional IT services), full IPR ownership, cross-sell ecosystem advantage, and self-reliance in cybersecurity and digital public infrastructure
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#SME #VirtualGalaxy #VirtualGalaxyInfotech #VGInfotech #VGIL
Virtual Galaxy Infotech H1 FY26 Concall Highlights:
👉FY 2026 & Future Outlook :
▫️Revenue: To continue similar growth on full year basis as was b/w FY24 & FY25
💠Supported by consistent CBS implementations, SaaS adoption, and export expansion (targeting Africa and GCC)
💠Indirect reference to ~200cr+ FY26 but not confirmed from management's end
💠Similar growth trajectory for FY27 as well
▫️Margins: Expected to be maintained or improved; with no significant dilution anticipated despite scale-up
💠Economies of scale may slightly improve costs, but margins will stay in the 25% range, prioritizing high-value projects
▫️Voluntary quarterly financial reporting adopted
👉Order book / projects and pipeline:
▫️Current order book : ~103 cr+ (₹94 Cr domestic, ~₹10 Cr export)
💠~50% expected to be executed in H2 FY26, with the rest spanning 1-5 years (multi-year contracts)
💠Focus on secured payments from corporate/government entities, with low churn (<2%) and no bad debts historically.
💠BFSI contributes ~91% of new clients (10-15 added in H1 FY26)
▫️Export Projects: Ongoing in Tanzania, Malawi (Reserve Bank of Malawi, Agriculture and Industrial Corporation), Ethiopia, and UAE. Includes 13+ overseas banking projects and 5 World Bank-funded initiatives
▫️AI-first approach for high-margin opportunities; recurring SaaS revenue at ~₹37 Cr in H1 (42% of total, up from 22% share).
▫️Pipeline: Expected to double the order book (₹200 Cr+) by FY26 end, with bidding (₹500-600 Cr+ in tenders)
💠Focus on BFSI (core banking, digital payments) and AI-driven government projects (conversational AI for collections/tax in municipal corporations/traffic police, surveillance systems, digital transformation)
💠Domestic expansion to more states (e.g., Gujarat, Karnataka, Mizoram, Goa); exports targeting safe markets like Botswana, Zimbabwe (World Bank-secured)
💠Partnerships with Technical Support Units and tech vendors (Oracle, AWS, Cisco) aid qualification
👉 Others :
▫️Balance Sheet and Cash Flows:
💠Debt: ~₹26-27 Cr term loans (₹23 Cr for data center expansion, shown as loans/advances but shifting to plant/machinery
💠Intangible assets: ₹13.21 Cr addition in H1 (60-70% employee costs, rest subcontracting) for products like AuditFlux, FinFlow, Transact, Virtual Vaani AI; total ~₹40 Cr (incl. WIP), expected to reduce post-development (direct P&L expensing in future)
💠Negative cash flows temporary (due to end-of-period sales); focus on secured debtors (improved days ratio)
💠No internet access or additional installs; use existing libraries
▫️Operations and Strategy: 400+ employees (expanding talent pool)
💠AI emphasis: Integrating into all products (e.g., fraud detection, credit scoring); new offerings like AI surveillance (500+ use cases), conversational AI for L1/L2 call center replacement
💠Captive data center expansion for SaaS hosting
💠Claims niche in market positioning of cooperatives/NBFCs (vs. larger players like Infosys); single-point solutions with APIs (e.g., UPI, AEPS)
▫️Dividend and Governance: Declared interim dividend at 10% of face value, record date November 21, 2025)
💠Approved purchase of commercial property in Pune for operational efficiency
VIRTUAL GALAXY INFOTECH UPDATE
🤝 Entered MoU with Xangars Infratech Solutions to deploy 1,00,000 UPI & QR-based Sound Boxes with digital payment solutions in India over 3 years.
💵 Expected revenue from the project: approx ₹69 Cr + taxes.
#StockMarket #VirtualGalaxyInfotech #DigitalPayments #UPI #Tech #Innovation
Virtual Galaxy Infotech
#VGINFOTECH
#VirtualGalaxyInfotech
#VirtualGalaxy
FY25 Concall pointers:
FY26 guidance:
Guides for 70-80% growth YoY over FY25 base to approx 220cr
100cr can be achieved in H1
Current margins are sustainable for FY26
Targeting to double export revenue YoY from current 10% to 50% in coming years(no timelines given, but focus to keep increasing gradually and steadily)
Better margins on exports, good enquiries
Plans to increase scope of work from current 15 to 25 states
Adding new geographies like Rajasthan,Orissa,Uttarakhand, Jharkhand etc thereby reducing dependency on Maharashtra
Increased exposure overseas like Africa,South East Asia,Israel etc
Current order book at 50cr+
Expects it to increase as pipeline and enquiries are strong
Recently received Purchase order for supply, installation, maintenance of a Cyber Security Operations Center (C-SOC) solution for Mizoram Cooperative Bank
Rollover of some projects to Q1FY26 lead to lower billing in H2FY25
Realization effects will be visible in H1FY26 results
#SME #VGINFOTECH #VirtualGalaxyInfotech #VirtualGalaxy
Virtual Galaxy Infotech FY25 Concall Highlights:
👉FY 2026 & Future Outlook :
▫️ Aims for a ~70-80% growth YoY ~220cr; 100cr in H1; supported by:
💠Increased marketing and sales initiatives
💠Targeting more e-Governance and BFSI projects
💠Plans to increase scope from current 15 to 25 states; adding new geographies like Rajasthan, Orissa, Uttarakhand, Jharkhand, Mizoram etc; thereby reducing dependency on Maharashtra
💠 Increased exposure overseas viz. Africa, SEA, Israel etc
▫️Confident on maintaining similar set of margins
▫️Invited people to participate in an analyst day out planned in August to learn more about the business
👉Current order book and pipeline:
▫️Current order book: 50cr+
▫️Recently received Purchase order for supply, installation, maintenance of a Cyber Security Operations Center (C-SOC) solution for Mizoram Cooperative Apex Bank Ltd (2.25cr / 5 yrs)
▫️Revenue breakup FY25 :
💠~56cr from Software and ~52cr from SaaS (E-Banker & ERP)
💠~11cr from Support & Hardware (e-Governance & E-Autopsy)
💠90% revenues from semi-government and rest from government
💠FY24 had similar breakup where Software & SaaS made up ~90% of revenues
▫️Key clients include the State Transport Cooperative Bank and a property bank in Maharashtra (contributing ~31cr) and Aurangabad District Central Cooperative Bank (135 branches)
▫️ Willing to double export revenue YoY from current ~10% and raise to ~50% in coming years
▫️Notable mention of getting onboarded for Bank-as-a-Payment Aggregator for Yes Bank
▫️Pipeline:
💠Data Center Services: Currently for captive consumption, but offered part of hybrid integrated SaaS model to customers
💠Increased penetration of V-Pay (Digital Payment Ecosystem) and E-Autopsy (Government hospitals)
💠Focusing more on cybersecurity services ~12% of revenue target, public and private sector banks going ahead
👉 Others :
▫️ Roll-over of some projects to Q1 FY26 lead to lower billing in H2 FY25; realization effects will be visible in H1 results
▫️CapEx and Intangibles: Intangible assets increased from 24cr to 30cr (FY24 to FY25) due to product development and optimization, expected to drive future revenue
▫️300 employees on payroll, 150+ clients (some clients have been associated for more than 10 years)
▫️Assured no seasonality in business, though cited to compare more on YoY basis
▫️ Competitors include: Finacle (Infosys), TCS, Wipro, VSoft, Finacus, and Trust Fintech but competitive edge as per management lies in a diversified product portfolio, cost-effectiveness, robust after-sales service, and a sticky client base
Virtual Galaxy Infotech Shares List at Rs 180 With Over 26% Premium on NSE SME
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https://t.co/0XoyIPb7MF
#IPOAlert #smeipo #virtualgalaxyinfotech
#MarketsWithBS | Virtual Galaxy Infotech listed at ₹180 per share, up 26.7% over the issue price of ₹142 per share
#Stocks #markets #stockmarketindia #stockmarketnews #sharemarket #marketnews #indianstockmarket #VIRTUALGALAXYINFOTECH
https://t.co/UUF1zL3IuF
Thread written with a lot of negative prejudice….
Let time tell the real story …
All i know is that promoters are clean and hardworking….
Will revisit after FY27 full year results .
#VirtualGalaxy #VIRTUALGALAXYINFOTECH
VIRTUAL GALAXY INFOTECH SME IPO BUSINESS REVIEW 🌟LOOKS OKAY TO APPLY with short / medium view. Why? Read Full Thread. Nagpur based Core Banking Software developer with product called iBanker which seem to be far ahead of our once favorite, Trust Fintech! Has order book of Rs.47Cr as of 31 Dec 2024. IPO is basically to fund construction of own office & buy 5Cr worth hardware for Data Center in SEZ … LIKE, READ FULL THREAD🧵 ..1/
Thread 🧵: 8 Key Considerations for #VirtualGalaxyInfotech
(This is my personal analysis and not financial advice. Please do your own due diligence before investing.)
1⃣ Restated FS by Non-Statutory Auditor
According to the RHP, the restated financials were certified by a peer-review CA rather than the company’s usual auditor. This raises questions about audit consistency and independence.
2⃣ Rapid PLC Conversion
VG Infotech converted from Pvt Ltd to Public Ltd in June ’24 and got its fresh certificate in Sept ’24—under 11 months before the SME IPO. That leaves a very short public-company track record for investors to assess.
3⃣ Promoter Affiliations
Promoters Avinash Shende & Sachin Pande sit on 5+ related-party boards (e.g., Sip Fund, PayNext, Quintet, Sampada). Multiple affiliated entities can create potential conflicts of interest and related-party transaction risks.
4⃣ Past Strike-Off
InfoCraft Technologies Pvt Ltd (2008–2013), an earlier venture of one promoter, was struck off by RoC. While the details are limited, it suggests there were compliance or governance lapses in the past.
5⃣ Sudden PAT Jump
9M FY25 PAT: ₹27.4 Cr vs. ~₹10 Cr LY (+170% YoY) for a ~₹350 Cr market-cap SaaS play. A sharp profit surge like this warrants scrutiny of underlying drivers.
6⃣ The Accounting “Twist”
The company began capitalizing dev & BoT project costs instead of expensing them.
• R&D & implementation costs now hit the balance sheet, not the P&L
• Margins look stronger today—but only by deferring depreciation
7⃣ Future Impact
• Front-loaded profits today may reverse as those capitalized costs start depreciating in 2–3 years.
• ₹60 Cr+ capex planned for offices, hardware & GCP—revenue growth must keep pace with rising fixed costs.
8⃣ Peer Comparison
While some “fintech” peers trade at high P/Es, TrustFintech Ltd (core-banking software) is the most directly comparable and trades around 15–20× earnings. Other names like Veefin or NPST differ significantly in business mix and growth profile, so they may not be true apples-to-apples peers.
9⃣ Market Behavior Caution
The extreme oversubscription & grey-market premium signal speculative frenzy—volatile trading and pump-and-dump risk. Past SME tech IPOs (TrustFintech, NPST) have shown boom-bust swings. Trade on fundamentals, not the herd.
🔟 Critical Takeaway
VG Infotech has a compelling niche story, but key risks remain: one-off profit spikes, single-product dependence, aggressive accounting shifts & hype-driven valuations. Do thorough due diligence, take a long-term view, and monitor actual performance in the coming quarters.
✍️ All opinions above are based on publicly available RHP data and sector commentary. Not a recommendation.
#DYOR #AccountingRedFlags #SaaSInvesting #VirtualGalaxyInfotech #VirtualGalaxy
या कंपनीचा आयपीओ ज्या गुंतवणूकदारांना लागला आहे, त्यांची आता लॉटरी लागणार असल्याचे दिसत आहे. कारण, ग्रे मार्केटमध्ये या शेअर्सचा भाव चांगलाच वधारला आहे.
#IPO #sharemarket #stockmarket #virtualgalaxyinfotech
https://t.co/ZGpNhTlknB
#MarketsWithBS | Virtual Galaxy Infotech IPO allotment; check status, GMP, listing date
#ipoalert #VirtualGalaxyInfotech #markets #sharemarket #IPO
https://t.co/T49ZjltGKz
Virtual Galaxy Infotech SME IPO: Check subscription status, issue size, price band & key details
#IPOAlert #VirtualGalaxyInfotech #SMEIPO
https://t.co/hPzW3hwCbO
#MarketsWithBS | Virtual Galaxy Infotech IPO Day 4 update: Subscription rises 36x, GMP 56%. Check details here
#Stocks #markets #stockmarketindia #stockmarketnews #sharemarket #marketnews #indianstockmarket #VirtualGalaxyInfotech #IPO
https://t.co/3tcaPU9i17
Virtual Galaxy Infotech IPO Day 3 update: Subscription crosses 4x, GMP 56%
#MarketsWithBS #IPOAlert #VirtualGalaxyInfotech #markets
https://t.co/ltXIStPbt4
Virtual Galaxy Infotech attracts marquee investors, raises Rs 21.44 Crore ahead of IPO Launch
#VirtualGalaxyInfotech #FundRaising #PreIPO #MarqueeInvestors
https://t.co/Q8GMYfMgzv
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