CMS Info Systems Limited — PPTs, 12-02-2026: Investor Presentation

**CMS Info Systems Q3 FY26 Investor Update:**

**Business Performance:** Services revenue grew 4% QoQ to ₹ 577 Cr, indicating a recovery trend. ATM Management secured a significant ₹ 1,000 Cr SBI contract over 10 years, with other large contracts also progressing. Tech & Payment Solutions saw HAWKAI expand to 47,000+ sites, and Card Management revenue surged 37% QoQ. Retail cash volumes rebounded meaningfully.

**Growth Drivers & Strategy:** The company is executing a 'Platform Approach' to bolster market share and expand offerings. Strategic focus areas include optimizing ATM cash yields and network routes, and scaling a Gig delivery model for retail clients. CMS projects long-term growth of 11% CAGR for ATM Management and Retail, and over 20% for Tech & Payment Solutions by FY30.

**Recent Developments:** Key highlights include the ₹ 1,000 Cr SBI contract going live in Q4 and a term sheet signed for an ATM/Managed Services Business transfer valued at ₹ 100-125 Cr, aiming for sector consolidation. An interim dividend of ~₹ 45 Cr for FY26 was also declared.

**Key Financial Metrics:** For Q3 FY26, operating income reached ₹ 618.2 Cr (up 6.3% YoY). Operating EBITDA was ₹ 139.6 Cr (down 12.4% YoY), with Profit After Tax (PAT) at ₹ 57.4 Cr (down 38.4% YoY).

**Management Commentary / Outlook:** Management anticipates further ATM cash yield improvements and network optimization. The company's aspiration is to achieve a 'Rule of 35' (Revenue Growth + EBITDA Margin > 35%), targeting total services revenues of ₹ 3,750-3,950 Cr by FY30.