QUICKTOUCH - Quicktouch Tech

📊 NSE: QUICKTOUCH 🏢 Trading 📅 Last Updated: 12/14/2025 11:25

💰 Financial Performance

Revenue Growth by Segment

Total standalone turnover was INR 88 Cr for FY25. Segment-specific growth percentages are not disclosed, but the company is pivoting from its legacy software/ERP business to a full-fledged Payment Aggregator model.

Geographic Revenue Split

Domestic (India) accounts for approximately 93% of revenue, while international operations contributed INR 6.12 Cr in foreign exchange earnings, representing ~7% of total standalone turnover.

Profitability Margins

Average net profit for the last three years is approximately INR 6.62 Cr, derived from the 2% CSR obligation of INR 13,23,707.99. This implies a net margin of approximately 7.5% on the INR 88 Cr turnover.

EBITDA Margin

Not explicitly disclosed; however, the company maintained a 100% contribution to its CSR obligations based on average net profits, indicating stable core profitability.

Capital Expenditure

Total issue proceeds of INR 45.66 Lakhs were planned, with INR 33.35 Lakhs utilized by March 31, 2025. Key deployments include INR 7.30 Lakhs for 'Quickpay' development and INR 15.00 Lakhs for subsidiary investments.

⚙️ Operational Drivers

Raw Materials

Technological infrastructure and software development tools represent the primary operational costs. INR 7.30 Lakhs was spent on Quickpay development, and INR 4.47 Lakhs is earmarked for tech infra strengthening.

Import Sources

Not disclosed; however, the company has expanded its international footprint through a Dubai-based Wholly Owned Subsidiary and Pinnacle Exim IT Solution LLC (Dubai).

Capacity Expansion

Expansion is focused on service capacity rather than manufacturing. The company is converting its Dubai branch into a WOS and has acquired three new entities (Vein India, Picnara, Zethics) post-FY25 to expand its digital service suite.

Raw Material Costs

Not disclosed as a percentage of revenue; however, the company utilized 73% of its issue proceeds (INR 33.35 Lakhs) primarily for software development and subsidiary scaling.

Manufacturing Efficiency

Not applicable for this service-based IT and Fintech entity.

📈 Strategic Growth

Expected Growth Rate

Not disclosed in available documents

Growth Strategy

Growth is driven by a pivot to Payment Aggregation ('Quickpay') and aggressive inorganic expansion. Post-FY25, the company acquired Vein India Scholars (Edutech), Picnara Techlabs (Gig economy), and Zethics Tech Solutions (Cybersecurity). It also increased its stake in Pinnacle Exim IT Solutions LLC to 57% to scale international IT services.

Products & Services

ERP Software, IT Consulting, Quickpay (Payment Aggregator), Education-based lending (NBFC), Cybersecurity solutions, and Picnara (Photographer-client platform).

Brand Portfolio

Quicktouch, Quickpay, Vidyahub, Picnara, Zethics, Earth Leasing.

New Products/Services

The 'Quickpay' Payment Aggregator application is the primary new launch, with INR 7.30 Lakhs already invested in its development.

Market Expansion

Targeting the Middle East through the conversion of the Dubai branch into a WOS and the majority acquisition of Dubai-based Pinnacle Exim IT Solutions LLC.

Strategic Alliances

Partnership with Srikaya Foundation for CSR; strategic acquisition of Pinnacle Exim IT Solutions LLC (57% stake).

🌍 External Factors

Industry Trends

The industry is shifting towards integrated Fintech-SaaS models. Quicktouch is positioning itself by obtaining RBI Payment Aggregator authorization and acquiring niche tech firms in cybersecurity and edutech.

Competitive Landscape

Competes with specialized Fintech firms and IT service providers; market dynamics are shifting toward consolidated digital platforms.

Competitive Moat

The moat is built on a vertically integrated ecosystem: combining an NBFC license for education lending with proprietary ERP software and payment aggregation, creating high switching costs for educational clients.

Macro Economic Sensitivity

Sensitive to digital transformation trends and interest rate fluctuations affecting the NBFC subsidiary (Earth Leasing).

Consumer Behavior

Increasing demand for digital-first platforms in the creative gig economy (Picnara) and cybersecurity (Zethics).

Geopolitical Risks

Expansion into the Middle East via Dubai WOS and Pinnacle Exim IT Solution LLC exposes the company to regional regulatory and geopolitical shifts.

⚖️ Regulatory & Governance

Industry Regulations

Subject to RBI Payment Aggregator guidelines, which necessitated the segregation of the software/ERP business into a separate legal entity (Qtouch Business Solutions).

Environmental Compliance

ESG focus is primarily on CSR, with INR 13.23 Lakhs spent on social initiatives like the Srikaya Foundation partnership.

Legal Contingencies

The company received a demand notice (value not disclosed) and faced two NSE penalties for procedural delays in financial result submissions and listing applications.

⚠️ Risk Analysis

Key Uncertainties

Final RBI approval for Payment Aggregator operations (high impact) and the successful integration of four post-FY25 acquisitions.

Geographic Concentration Risk

93% of revenue is concentrated in India, with 7% from international markets.

Third Party Dependencies

Significant related-party involvement: Vein India was acquired from related parties, and a subsidiary was sold to Hilum Commodities (related to Sachin Thakur).