5paisa Capital Ltd. · NSE:5PAISA
5paisa Capital — Q4 FY22 Earnings Presentation
32 slides from 5paisa Capital's earnings presentation, Apr 27, 2022
Slide 1: Cover letter to stock exchanges
April 27, 2022 The Manager, The Manager, Listing Department, Listing Department, BSE Limited, The National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Tower, Dalal Street, Exchange Plaza, 5 Floor, Plot C/1, G Block, Mumbai 400 001 Bandra - Kurla Complex, Bandra (E), Tel No.: 22721233 Mumbai 400
Slide 2: Investor Presentation Quarter Ended Mar 22 (Q4FY22)
INVESTOR PRESENTATION QUARTER ENDED MAR 22 (Q4FY22)
Slide 3: Glimpse of FY22
GLIMPSE OF FY22
Slide 4: 5th Largest Discount Broker
5TH LARGEST DISCOUNT BROKER 2.73 Mn+ 11.92Mn+ ₹ 297.9Cr+ TOTAL CUSTOMERS APP USERS REVENUE 102% Y-O-Y 70% Y-O-Y 53% Y-O-Y ₹ 1.2 Trn+ 4.3 TURNOVER APP RATING 123% Y-O-Y From 4.2 5th Largest as per NSE Active Customers (Source: NSE website, ICICI Securities consider full time broker)
Slide 5: Wide bouquet of investment and lending solutions
OFFERS A WIDE BOUQUET OF INVESTMENT AND LENDING SOLUTIONS Online Trading Digital Gold Mutual Funds 2.73 mn+ Clients with 17k+ Transactions 75k+ Active SIP’s 64% Active Clients Processed in FY22 121% Y-O-Y Smallcase Research Subscription 115 Cr+ AUM 55k+ Subscribers 121% Y-O-Y 10% Y-O-Y FY 22 Achieve
Slide 6: Business Growth
BUSINESS GROWTH
Slide 7: Business Growth
BUSINESS GROWTH CLIENT BASE (Mn) AVG. DAILY TURNOVER – TOTAL (Cr) TOTAL REVENUE (Mn) 2.73 ₹ 120,993 ₹ 2,979 ₹ 1,945 1.35 ₹ 54,214 FY21 FY22 FY21 FY22 FY21 FY22 AVG. CLIENT FUNDING BOOK (Cr) TIER 2 & 3+ GROWTH (Mn) ACTIVE CLIENTS (Mn) ₹ 300 2.35 1.8 ₹ 145 1.12 0.9 FY21 FY22 FY21 FY22 FY21 FY22
Slide 8: Digital Drive
DIGITAL DRIVE
Slide 9: Digital Drive
DIGITAL DRIVE LEAD CONVERSION REDUCING CAC NET PROMOTER SCORE Optimised Lead Source Mix & better Lead Quality Simple on boarding Journey Customer Satisfaction improves 986 81% 67% 782 FY 21 FY 22 FY 21 FY 22 FY 21 FY 22 NO. OF ORDERS(Mn) Digital Team STP Derivative segment orders help to increase In
Slide 10: Trading Ecosystem
TRADING ECOSYSTEM
Slide 11: Trading Ecosystem
TRADING ECOSYSTEM ETF’s NEW 1 INVESTORS STOCK SIP CROSS-SELL PRODUCTS Baskets Portfolio Mutual Funds MATURED 2 INVESTORS Research Ideas Loans Portfolio Advisory Services Digital Gold Insurance Derivatives US Stocks PRO Algo trading 3 TRADERS Developer API Margin Funding
Slide 12: Partnerships
PARTNERSHIPS TRADING INVESTING Third Party Vityasa
Slide 13: New Initiatives
NEW INITIATIVES
Slide 14: New Initiatives
NEW INITIATIVES 5paisa WEALTH STOCK SIP Abakkus Smart FlexiCap Abakkus Smart Build India 1 Lac+ SIP Alpha Core & Satellite FINSCHOOL 14,71,600 79 24 Avg. Monthly Chapters Videos Page Views 696 8 Total Pages Courses QUARTER ENDED MAR 2022
Slide 15: Business Number at a Glance
BUSINESS NUMBER AT A GLANCE 14
Slide 16: Rapid and consistent growth in ADTO, customers and revenue
RAPID AND CONSISTENT GROWTH IN ADTO,CUSTOMERS AND REVENUE Avg. Daily Turnover – Total (in Cr) Customers & Revenue Growth 2739 Revenue (INR Mn) 140,000 120,598 Total customers ('000s) 2379 120,000 1974 98,374 100,000 1631 80,878 80,000 1353 57,730 1147 60,000 52,898 956 45,021 35,549 710 40,000 27,85
Slide 17: Customer acquisition and consistent reduction in CAC
CUSTOMER ACQUISITION AND CONSISTENT REDUCTION IN CAC Client Acquisition Reducing CAC (in INR) 405,210 1148 359,817 342,721 897 813 781 278,044 769 768 624 373 234 206,223 261 214 196 1,90,725 524 524 579 520 555 572 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22
Slide 18: With improving DIY acquisitions and margins
WITH IMPROVING DIY ACQUISITIONS AND MARGINS DIY - Acquisitions Gross margin (%) 90% 80% 80% 78% 70% 68% 63% 61% 61% 70% 60% 58% 64% 60% 60% 50% 50% 50% 51% 50% 40% 40% 40% 30% 30% 20% 20% 10% 10% 0% 0% Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 FY20 FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Note: DIY - Client
Slide 19: Financial Number
FINANCIAL NUMBER 18
Slide 20: Income & Cost Trend
INCOME & COST TREND INCOME & COST (In Mn) BROKING INCOME (In Mn) AND GROWTH 1000 400 20% 883 18% 900 360 15% 821 350 802 792 15% 800 16% 310 686 300 9% 700 669 268 10% 609 252 600 250 232 496 499 511 7% 5% 500 196 451 200 421 0% 400 150 300 -5% 100 200 50 -10% -9% 100 0 -15% 0 Q3FY21 Q4FY21 Q1FY22 Q
Slide 21: EBITDA & Profit Growth Trend
EBIDTA & PROFIT GROWTH TREND EBITDA (In Mn) & MARGIN (%) PROFIT AFTER TAX (In Mn) 180 30% 80 72 26% 155 160 70 25% 140 132 130 25% 59 60 120 19% 20% 50 100 96 87 44 15% 80 80 40 15% 32 60 12% 10% 11% 30 40 5% 20 20 14 0 0% 10 7 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 EBITDA EBITDA Margin % 0 Q3FY2
Slide 22: Revenue Mix & Client Funding
REVENUE MIX & CLIENT FUNDING REVENUE MIX (In MN) AVERAGE CLIENT FUNDING BOOK (In MN) 4000 496 499 609 686 802 883 3615 100% 3500 13% 14% 15% 17% 16% 3230 90% 19% 3000 2930 80% 15% 10% 6% 6% 15% 7% 70% 2500 2239 60% 25% 37% 32% 34% 35% 38% 2000 50% 1543 40% 1449 1500 30% 46% 1000 20% 40% 41% 39% 39%
Slide 23: Consolidated Profit & Loss for Quarter Ended Mar 2022
CONSOLIDATED PROFIT & LOSS FOR QUARTER ENDED MAR 2022 Quarter Ended Quarterly Variances INR Million Q4FY22 Q3FY22 Q4FY21 Q-o-Q Y-o-Y A. Income From Operations Brokerage Income 361 310 232 16% 55% Allied Broking Income 324 309 124 5% 161% Cross Sales Income 59 49 73 22% -18% P2P Loan Commission 0 1 1
Slide 24: Consolidated Profit & Loss for Year Ended Mar 2022
CONSOLIDATED PROFIT & LOSS FOR YEAR ENDED MAR 2022 Year Ended Yearly Variances INR Million March 31,2022 March 31,2021 Y-o-Y A. Income From Operations Brokerage Income 1,191 847 41% Allied Broking Income 1,073 616 74% Cross Sales Income 219 236 -7% P2P Loan Commission 3 6 -55% Other Operating Income
Slide 25: Consolidated Balance Sheet as at March 31, 2022
CONSOLIDATED BALANCE SHEET AS AT MARCH 31, 2022 INR Million March 31,2022 March 31,2021 Assets Financial assets Cash and cash equivalents 894 169 Bank balance other than above 11,111 5,074 Loans/Client funding book 3,021 1,781 Other financial assets 717 1,319 Sub-total 15,743 8,343 Deferred tax asse
Slide 26: Our Team
OUR TEAM 25
Slide 27: Board of Directors
BOARD OF DIRECTORS DR. ARCHANA NIRANJAN HINGORANI MR. PRAKARSH GAGDANI MR. RAVINDRA GARIKIPATI Chairperson Whole-Time Director and Independent Director Chief Executive Officer MR. MILIN MEHTA MS. NIRALI SANGHI MR. GOURAV MUNJAL Independent Director Independent Director Whole Time Director and Chief
Slide 28: Core Management Team
CORE MANAGEMENT TEAM MR. ANKIT FITKARIWALA MR. R. BALAJI Chief Business Officer and Chief Technical Officer Head of Products MR. MEHUL JAIN MS. NAMITA GODBOLE MR. MAYUR DEDHIA Product Head, Trading Company Secretary and Business Head, Broking Compliance Officer 27
Slide 29: Awards & Others
AWARDS & OTHERS 28
Slide 30: Certified – Great Place to Work
CERTIFIED – GREAT PLACE TO WORK 29
Slide 31: Awards
AWARDS Recognized among Best Brand at Economic Times 50 Most Trusted BFSI Brands in India at MarksmanDaily.com Won Silver Won Silver Buzzin Content Awards 2021 Digixx Awards 2022 30
Slide 32: Thank You
THANK YOU