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    TBO Tek

    TBOTEK
    Consumer Services·11 Feb 2026
    Management Summary

    TBO Tek reported its Q3 FY26 results, marking the first full quarter with Classic Vacations integrated, contributing significantly to the ₹784 crores revenue. The organic air business showed robust 16% YoY growth, and enterprise GTV to Adjusted EBITDA conversion improved to 1.18%. While gross profit to EBITDA conversion saw a slight dip at the enterprise level, management anticipates strong top-line growth and operating leverage for the organic business in Q4 FY26, alongside a strategic focus on achieving high double-digit growth in North America over the next 3-4 years.

    Highlights

    5
    • Revenue from operations of ₹784 crores, driven by Classic Vacations integration.

    • Organic air business demonstrated strong 16% YoY growth.

    • Enterprise GTV to Adjusted EBITDA conversion improved to 1.18% in Q3 FY26 from 1.05% in Q3 FY25.

    • Cross-sell from TBO to Classic Vacations has started with promising results.

    • Anticipated significant top-line growth and operating leverage for the organic business in Q4 FY26.

    Concerns

    3
    • Gross profit to adjusted EBITDA conversion at enterprise levels declined to 23.7% from 25.3% in Q3 FY25.

    • Air business GP decreased to 1.1% in Q3 FY26 from 1.2% in Q3 FY25.

    • Forex element impacted Q3, though overall impact reduced YoY.

    What Changed1

    vs Q4 FY26

    Guidance items12 → 11 (-1)

    Key financials

    Single quarter

    06 metrics
    1. 01Revenue from Operations₹784 Cr
    2. 02Enterprise Take Rate8.1%
    3. 03Gross Profit to Adj. EBITDA Conversion (Enterprise)23.7%-6.3%YoY
    4. 04Enterprise GTV to Adj. EBITDA Conversion1.2%+12.4%YoY
    5. 05Organic Air Business Growth16%+16%YoY

    Segment breakdown

    Take RateGross Profit to Adj. EBITDA Conversion
    Organic Business6.0%25.3%
    Classic Vacations24.9%19.6%
    Heatmap· 2 shared metrics

    Capital allocation

    4
    high confidence
    CategoryHeadline
    Capex

    Capex disclosed

    Debt

    Debt disclosed

    M&A

    Classic Vacations

    acquisition · integrated · Consideration ₹NaN (undisclosed)

    Liquidity

    Liquidity disclosed

    Hedging policy in place for forex differences, aiming to hedge 70-75% of payment/collection differences.

    Guidance & targets

    11
    CategoryTargetPriority
    Air Business Growth
    Organic Air Business Growth Momentum
    continue momentum
    Medium
    Air Business Growth
    Air Business Growth
    early teens
    High
    SG&A Growth
    SG&A Growth
    tapering down
    High
    Top Line Growth
    Organic Business Top Line Growth
    significant growth
    High
    Operating Leverage
    Operating Leverage Demonstration
    demonstrate operating leverage
    High
    Air Business GTV Growth
    Air GTV Growth
    double digits
    Medium
    North America Business Growth
    Overall North America Business Growth
    high double-digit growth
    High
    Profitability
    EBITDA growth vs GP growth
    EBITDA growth to outpace GP growth
    High
    Margin Expansion
    Organic Business Margin Expansion
    significant margin expansion
    High
    Conversion Ratio
    GP to EBITDA conversion
    converge
    Medium
    Take Rates
    Blended/Hotel Take Rates
    remain range bound and stable
    High

    What to watch in Q4 FY26

    5

    Organic Business Top Line Growth

    Next quarter (Q4 FY26)
    CurrentSignificant growth expected in Q4
    TargetContinued significant growth

    Why it matters

    Demonstrates organic business strength and contribution to overall performance.

    we expect to see a meaningful growth in top line in Q4 while the SG&A will not grow at the same pace and hence we should see a significant flow through to the bottom line. So, we remain convinced on that and that is on organic business not counting CV. So, we should be able to demonstrate that operating leverage in Q4.

    Risks & concerns

    4
    RiskSeverity

    Seasonal Impact from Ramadan

    Ramadan straddling February and March may cause monthly deviation but no material change from a full quarter perspective.Analyst downplayed

    low

    Forex Volatility

    Forex element impacted Q3, but overall impact reduced YoY; hedging policy in place for 70-75% of currency differences.Both acknowledged

    medium

    Competitive Intensity

    Competitive landscape remains status quo, though intense in some geographies.Analyst acknowledged

    medium

    Large Agents Bypassing Platform

    Risk of top 0.1-1% of agents dealing directly with suppliers, but business model relies on long tail, and credit limits are managed.Analyst downplayed

    low

    Q&A highlights

    8

    “So, Karan, as we do not talk about forwards, but yes, I can tell you that we will continue the momentum in Q4 as well.”

    Analyst questioned if the strong 16% YoY organic air business growth is sustainable, and management confirmed continued momentum for the next quarter.

    asked by Karan Uppal

    2 min read6 chapters

    Detailed Narrative

    01

    Q3 FY26 Performance and Classic Vacations Integration

    TBO Tek reported revenue from operations of ₹784 crores for Q3 FY26, marking the first integration of Classic Vacations into its financial matrices. The enterprise take rate stood at 8.08%, with the organic business delivering 6.04% and Classic Vacations reporting 24.94%. The consolidation significantly expanded the platform's scale, though it introduced complexity in interpreting headline metrics, leading to a focus on gross profit as a more robust measure of value capture.

    02

    Profitability and Operating Leverage

    Gross profit to adjusted EBITDA conversion at enterprise levels was 23.7% for the quarter, a decrease from 25.3% in Q3 FY25. The organic business achieved a 25.3% conversion, while Classic Vacations was 19.6%. Management anticipates significant top-line growth in Q4, particularly for the organic business, while SG&A growth is expected to taper down, leading to a meaningful flow-through to the bottom line and demonstrating operating leverage.

    03

    Air Business Performance and Outlook

    The organic air business showed strong recovery, achieving 16% year-on-year growth. Despite this, the air business's Gross Profit (GP) was 1.1% in Q3 FY26, down from 1.15% in Q2 FY26 and 1.2% in Q3 FY25. Management expects the momentum in the air business to continue into Q4 and aims for double-digit GTV growth over the medium term, emphasizing maintaining GP while growing in the early teens.

    04

    Classic Vacations Integration Strategy and North America Growth

    The integration of Classic Vacations is progressing, with TBO already cross-selling its inventory to Classic Vacations' customers, showing promising early results. The full platform migration is a complex, multi-quarter project expected to take two to three quarters. The acquisition provides access to 10,000 active, high-luxury travel advisors in North America, and TBO Tek aims to achieve high double-digit growth in the overall North America business over the next three to four years.

    05

    Take Rates, Direct Sourcing, and Working Capital

    The organic TBO hotel take rates have remained strong, influenced by ancillary businesses, the mix between enterprise and retail, and the Platinum program. TBO core's direct sourcing is about 40%, while Classic Vacations' is significantly higher at 80-85%. Classic Vacations operates on a highly negative working capital model due to long booking-to-check-in windows, which will contribute to negative working capital at the enterprise level.

    06

    Forex Management and Competition

    The overall Forex impact has reduced year-on-year, with the company hedging 70-75% of its payment and collection differences in various currencies. Management noted that the competitive landscape remains largely status quo, though intensity can vary by geography. They also addressed concerns about large travel agents potentially bypassing the platform, stating this is rare for their business model which relies on a long tail of smaller businesses, and credit limits are managed.

    This is an AI-generated summary of a publicly available earnings call transcript. It is for informational purposes only and does not constitute investment advice, a recommendation, or an endorsement. inve.money is not a SEBI-registered investment advisor. Please consult a qualified financial advisor before making any investment decisions.