Network People Services Technologies Limited · NSE:NPST
Network People Services Technologies — Q3 FY2025 Earnings Presentation
43 slides from Network People Services Technologies's earnings presentation, Feb 13, 2025
Slide 1: Exchange intimation letter - Investor Presentation
SYMBOL: NPST Date: February 13, 2025 ISIN: INE0FFK01017 To, The Manager-Listing Department, The National Stock Exchange of India Limited, Exchange Plaza, NSE Building, Bandra Kurla Complex, Bandra East, Mumbai-400 0513 Fax: 022-26598237, 022-26598238 Subject: General Updates for quarter ended Decemb
Slide 2: Financial Performance Q3 FY2025
Financial Performance Providing digital payments technology across financial value chain Quarter 3, Financial Year 2025
Slide 3: Agenda
NPST- Current Story Payments Landscape Agenda Growth Levers Financials
Slide 4: NPST: Leading PayTech Company
NPST: Leading PayTech Company Comprehensive Industry Expertise Empowering Enhanced Suite of Solutions & Innovation Modern Payments Business Value Integrated banking and UPI Over a decade of Modernizing payment Leverage wide experience to payment products for: experience delivering infrastructure - d
Slide 5: Strong Market Position Across Our Segments
Strong Market Position Across Our Segments #1 126% 10+ Sole Provider Net Profit Growth Product Portfolio Across financial value chain CAGR 2020-24 17+ 2M+ 18B+ Banks Bank Merchants Transactions Annually 100+ 800+ 300+ Customers Merchant Locations Domain Experts Pan-India
Slide 6: NPST Positioned At The Centre Of Payment Flows
NPST Positioned At The Centre Of Payment Flows The point-of-sale terminal (or online The issuing Switch at Geeta’s bank receives the Geeta makes 2 1 a purchase gateway) sends Geeta’s payment credentials 5 financial message, ensures the credentials are to the merchant's acquiring software valid, iden
Slide 7: Market Opportunity & Business Growth Plan
Market Opportunity & Business Growth Plan
Slide 8: The Payments Opportunity Is Significant
The Payments Opportunity Is Significant • IOT Payments • ONDC • UPI International • TRED Payments • UPI Auto Top-Up • Contextual Payments UPI Transaction volume - 2029 • UPI Credit Card 439 Billion • Credit Line on UPI • Inward Cross Border • UPI Circle • UPI Prepaid UPI Transaction value - 2029 Tra
Slide 9: Market Trends Shaping Our Opportunity
Market Trends Shaping Our Opportunity Fueled by regulation, macro-economics and technology trends REGULATORY ECONOMIC TECHNOLOGY Open Banking Digital Push – Make in India Cloud, Micro-Services API ONDC Smart Cities EmbeddedIntelligence R Data Privacy Laws New Business Models-- Subscription economy I
Slide 10: Our Strategy For Momentum And Growth
Our Strategy For Momentum And Growth Scale new Move at Strengthen the Speed core Verticals
Slide 11: Strengthen The Core
Strengthen The Core Previous Payment Evok Platform Aggregator Bank Payin Payment Aggregator MSS Settlement Reconciliation Disputes Digital Onboarding Current Payment Bank 1 Evok Platform Aggregator Bank 2 Payin Payout Autopay SDK Payment Aggregator Bank 3 MSS FRM Analytics Settlement Reconciliation
Slide 12: Levers To Broaden Revenue Growth
Levers To Broaden Revenue Growth New product offering and target segments Total Estimated Market & Status Product Annual Market Segments Payment Banks, PAs, TPAPs, Revenue Processing Evok 4.0, BBPS, Digital Market: $5 B Fintechs NBFCs Currency Generating NFC Devices Market: $37 B Banks, PAs Initial
Slide 13: QynX - Merchant Switch & Offline Acquiring Platform
QynX - Merchant Switch & Offline Acquiring Platform • Merchant App Field Agent Bank Headqarters • QR & Soundbox Agent App Portal Switch Operations Portal TMQQ Bank Branch Merchant Support Branch Portal Device Estate Mgt Partner Mgt
Slide 14: Customer Success – From 1K– 50K Sound Boxes
Customer Success – From 1K– 50K Sound Boxes Offline merchant acquiring creates a steady revenue stream 74K Merchants 800+ Migrated Locations 50,000 Fully Managed Soundboxes Services Bank and Merchant QR Pay/ Merchant KYC Fintech Portal Mobile App Soundbox Solution
Slide 15: RIDP – Building Guardrails Against Fraud
RIDP – Building Guardrails Against Fraud Aggregate Synthesize Analyze Transaction Predictive MCC Category Velocity Fraud Detection 360 Degree Data Transaction Merchant Digital Identity Volume Trust Score Merchant Transaction Transaction Documentation Value Trust Score Digital Merchant Time Day Crumb
Slide 16: Credit Is An Emerging Opportunity
Credit Is An Emerging Opportunity Target Large Pool Of Credit-hungry Customers B2C 63.3 Million Consumer Finance Penetration Rate Super-Prime Prime Near Prime Sub-Prime Thin Filers ✓ Consumers MSMEs ✓ On Demand Credit ✓ Point of Sale Credit ❖ 63 Million micro ✓ Post Purchase Credit ❖ 3,30,000 small
Slide 17: Business Updates
Business Updates Partners with NSDL Wins Frost & Sullivan's Payments Bank to enhance 'Company of the Year 2024' Launched UPI Credit Line for Received incremental payout services, streamlining award in Payments the fifth largest PSU bank in orders for Qynx from transactions and merchant Technology, r
Slide 18: Financial Q3 & 9M Results
Nest Financial Q3 & 9M Results
Slide 19: 9M FY25 Consolidated Key Financial Highlights
9M FY25 Consolidated Key Financial Highlights In ₹ Cr 152.46 85.40 All Figures In ₹ Cr & Margin in % 55.71 Particulars 9M FY25 9M FY24 YoY Growth 38.90 28.40 16.69 Total Income 152.46 85.40 78.53% Total Revenue EBITDA Net Profit EBITDA 55.71 28.40 96.15% 9M FY24 9M FY25 EBITDA (%) 36.54% 33.26% 328
Slide 20: Q3 FY25 Consolidated Key Financial Highlights
Q3 FY25 Consolidated Key Financial Highlights 32.08 In ₹ Cr 23.23 All Figures In ₹ Cr & Margin in % 10.99 8.21 Particulars Q3 FY25 Q3 FY24 YoY Growth 6.53 5.13 Total Income 23.23 32.08 -27.57% Total Revenue EBITDA Net Profit EBITDA 8.21 10.99 -25.30% Q3 FY24 Q3FY25 EBITDA (%) 35.33% 34.26% 108 BPS 3
Slide 21: 9M FY25 Standalone Key Financial Highlights
9M FY25 Standalone Key Financial Highlights In ₹ Cr 152.26 85.36 All Figures In ₹ Cr & Margin in % 55.69 Particulars 9M FY25 9M FY24 YoY Growth 38.90 28.39 16.68 Total Income 152.26 85.36 78.36% Total Revenue EBITDA Net Profit EBITDA 55.69 28.39 96.17% 9M FY24 9M FY25 EBITDA (%) 36.58% 33.26% 332 BP
Slide 22: Q3 FY25 Standalone Key Financial Highlights
Q3 FY25 Standalone Key Financial Highlights 32.07 In ₹ Cr 23.15 All Figures In ₹ Cr & Margin in % 10.98 8.19 Particulars Q3 FY25 Q3 FY24 YoY Growth 6.53 5.12 Total Income 23.15 32.07 -27.81% Total Revenue EBITDA Net Profit EBITDA 8.19 10.98 -25.44% Q3 FY24 Q3FY25 EBITDA (%) 35.38% 34.25% 113 BPS 34.
Slide 23: Standalone Quarter On Quarter Key Metrics Comparison
Standalone Quarter On Quarter Key Metrics Comparison All Figures In ₹ Cr & Margin in % Particulars Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Total Income 28.42 32.07 44.71 60.19 68.99 23.15 Income Growth (Q-o-Q) 14.26% 12.82% 39.43% 34.47% 14.75% -66.45% EBITDA 9.50 10.98 15.31 22.15 25.35 8.1
Slide 24: Management Overview
Nest Management Overview
Slide 25: Co-Founders and Board Of Directors
Co-Founders and Board Of Directors Mr. Deepak Chand Thakur Mr. Ashish Aggarwal Ms. Savita Vashist Chairman & Managing Director Joint Managing Director Executive Director Deepak Thakur, CEO and Managing Ashish Aggarwal, Joint Managing Savita Vashist, Executive Director at Director of NPST Ltd., has o
Slide 26: Board Of Directors
Board Of Directors Mr. Abhishek Mishra Mrs. Panchi Samuthirakani Mr. Ram Rastogi Independent Director Independent Director Independent Director Abhishek Mishra brings over 16 years Panchi Samuthirakani has over 27 Ram Rastogi is a veteran banker with of experience in finance, compliance, years of ex
Slide 27: Financial Overview
Nest Financial Overview
Slide 28: 9M FY25 Consolidated Performance Highlights
9M FY25 Consolidated Performance Highlights All Figures In ₹ Cr & Margin in % Total Income EBITDA Net Profit 55.71 152.46 38.90 85.40 28.40 16.69 9M FY24 9M FY25 9M FY24 9M FY25 9M FY24 9M FY25
Slide 29: 9M FY25 Consolidated Result Highlights
9M FY25 Consolidated Result Highlights All Figures In ₹ Cr & Margin in % Particulars 9M FY25 9M FY24 Y-O-Y Revenues 146.85 83.83 Other Income 5.61 1.57 Total Income 152.46 85.40 78.53% Raw Material costs 50.54 28.71 Employee costs 35.60 22.60 Other expenses 10.62 5.70 Total Expenditure 96.76 57.00 E
Slide 30: 9M FY25 Standalone Performance Highlights
9M FY25 Standalone Performance Highlights All Figures In ₹ Cr & Margin in % Total Income EBITDA Net Profit 152.26 55.69 38.90 85.36 28.39 16.68 9M FY24 9M FY25 9M FY24 9M FY25 9M FY24 9M FY25
Slide 31: 9M FY25 Standalone Result Highlights
9M FY25 Standalone Result Highlights All Figures In ₹ Cr & Margin in % Particulars 9M FY25 9M FY24 Y-O-Y Revenues 146.82 83.80 Other Income 5.44 1.56 Total Income 152.26 85.36 78.36% Raw Material costs 50.59 28.70 Employee costs 35.54 22.58 Other expenses 10.43 5.69 Total Expenditure 96.56 56.97 EBI
Slide 32: Q3 FY25 Consolidated Performance Highlights
Q3 FY25 Consolidated Performance Highlights All Figures In ₹ Cr & Margin in % Total Income EBITDA Net Profit 6.53 31.39 10.99 5.13 8.21 21.24 Q3 FY24 Q3 FY25 Q3 FY24 Q3 FY25 Q3 FY24 Q3 FY25
Slide 33: Q3 FY25 Consolidated Result Highlights
Q3 FY25 Consolidated Result Highlights All Figures In ₹ Cr & Margin in % Particulars Q3 FY25 Q3 FY24 Y-O-Y Revenues 21.24 31.39 Other Income 1.99 0.68 Total Income 23.23 32.08 -27.57% Raw Material costs 3.37 10.67 Employee costs 9.13 8.18 Other expenses 2.52 2.24 Total Expenditure 15.02 21.09 EBITDA
Slide 34: Q3 FY25 Standalone Performance Highlights
Q3 FY25 Standalone Performance Highlights All Figures In ₹ Cr & Margin in % Total Income EBITDA Net Profit 32.07 6.53 10.98 5.12 23.15 8.19 Q3 FY24 Q3 FY25 Q3 FY24 Q3 FY25 Q3 FY24 Q3 FY25
Slide 35: Q3 FY25 Standalone Result Highlights
Q3 FY25 Standalone Result Highlights All Figures In ₹ Cr & Margin in % Particulars Q3 FY25 Q3 FY24 Y-O-Y Revenues 21.22 31.39 Other Income 1.92 0.68 Total Income 23.15 32.07 -27.81% Raw Material costs 3.37 10.68 Employee costs 9.14 8.17 Other expenses 2.45 2.23 Total Expenditure 14.96 21.08 EBITDA 8
Slide 36: Key Financial Highlights – FY24
Key Financial Highlights – FY24 All Figures In ₹ Cr Total Income EBITDA Net Profit 130.08 43.70 26.71 41.13 12.38 6.52 19.49 15.25 15.27 3.00 3.81 2.29 1.03 1.07 1.49 FY20 FY21 FY22 FY23 FY24 FY20 FY21 FY22 FY23 FY24 FY20 FY21 FY22 FY23 FY24
Slide 37: Profit & Loss Statement – FY24
Profit & Loss Statement – FY24 All Figures In ₹ Cr & Margin in % Particulars FY22 FY23 FY24 Revenues 19.16 40.79 127.51 Other Income 0.33 0.34 2.57 Total Income 19.49 41.13 130.08 Raw Material costs -1.28 12.5 46.76 Employee costs 6.57 12.72 31.30 Other expenses 10.39 3.53 8.32 Total Expenditure 15.
Slide 38: Balance Sheet – FY24
Balance Sheet – FY24 All Figures In ₹ Cr & Margin in % Equities & Liabilities FY22 FY23 FY24 Assets FY22 FY23 FY24 Equity 6.46 6.46 19.39 Non Current Assets Reserves 15.59 22.11 38.14 Fixed assets 10.62 13.06 6.94 Net Worth 22.05 28.57 57.52 Non-current investments 0.01 0.77 4.26 Non-current Liabili
Slide 39: Cash Flow Statement – FY24
Cash Flow Statement – FY24 All Figures In ₹ Cr & Margin in % Particulars FY22 FY23 FY24 Cashflow from Operations -7.44 12.01 43.05 Cashflow from Investments -5.49 -5.73 -3.86 Cashflow from Financing 13.45 0.19 -0.09 Net Cash flow 0.53 6.47 39.10 Opening Cash & Cash Equivalent 0.44 0.97 19.31 Closing
Slide 40: Key Ratios – FY24
Key Ratios – FY24 Profit Margins In % Adjusted EPS In ₹ Adjusted Book Value In ₹ EBITDA PAT 13.78 29.67 33.59 30.1 10.09 19.89 20.53 14.74 15.85 11.37 7.78 2.31 FY22 FY23 FY24 FY22 FY23 FY24 FY22 FY23 FY24 Quick Ratio In Times Return Ratios In % EV/EBITDA In Times 3.66 ROE ROCE 712.78 61.47 2.41 2.1
Slide 41: Stock Data
1000.00 2000.00 3000.00 4000.00 0.00 Source - NSE 10-Aug-2021 23-Aug-2021 06-Sep-2021 17-Sep-2021 79.90 Face Value (₹) Share Price (₹) 04-Oct-2021 18-Oct-2021 12-Nov-2021 30-Nov-2021 21-Dec-2021 52-week High-Low (₹) 13-Jan-2022 07-Feb-2022 No. of Shares Outstanding 24-Feb-2022 Market Capitalization
Slide 42: Investment Rationale
Investment Rationale Outstanding Returns: Leadership Members Growing Digital Payment Market: With effective cost management and a scalable Company is focused on developing leaders and India’s rapidly expanding digital payment market business model, NPST Net Profit has achieved enhancing its workforc
Slide 43: Thank You!
NPST | Thank You!
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