Niyogin Fintech Ltd · BSE:NIYOGIN
Niyogin Fintech — H1 FY25 Earnings Presentation
17 slides from Niyogin Fintech's earnings presentation, Nov 12, 2024
Slide 1: Cover letter to BSE – Investor Presentation Q2 & H1 FY25
niyogin November 12, 2024 To BSE Limited Phiroze Jeejeebhoy Towers Dalal Street, Fort Mumbai -400001 BSE Scrip Code: 538772 Subject: Investor Presentation – Q2 & H1 FY25 Dear Sir/Ma’am, Pursuant to Regulation 30 (6) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requir
Slide 2: Niyogin Fintech Limited Investor Presentation Q2 & H1 FY25
Niyogin Fintech Limited Investor Presentation Q2 & H1 FY25
Slide 3: Executive Summary- Financial Updates
Executive Summary- Financial Updates Q2FY25 1 NFL - Consolidated total income stood at Rs. 72.9 Crores; grew 44% sequentially in Q2FY25 2 NFL - Consolidated revenue (ex-device sales) stood at Rs. 62.8 Crores; grew 34% sequentially in Q2FY25 3 NFL - AUM grew by 13% QoQ and stood at Rs. 236.2* Crores
Slide 4: Executive Summary
Executive Summary NFL Updates 1 Onboarded Rapipay as a new sourcing partner in the Partnership and Alliances vertical 2 Finance professional partner network stood at 6,217 in Q2FY25, up 13% YoY & up 3% QoQ 3 LTD loans processed stood at 71,415 in Q2FY25, up 272% YoY & up 38% QoQ iServeU Updates 1 Si
Slide 5: Quarterly Highlights
Quarterly Highlights
Slide 6: Accelerating Growth: A Return to Profitability
Accelerating Growth: A Return to Profitability Revenue (in Rs Cr.) 72.9 YoY↑ 54% QoQ↑ 44% 53.8 51.3 50.8 47.4 Achieved growth due to… Revenue from Financial Q2FY24 Q3FY24 Q4FY24 Q1FY25 Q2FY25 1 Inclusion normalized. Growth led by jump in soundbox sales Margins improved, as 2 (in Rs Cr.) contribution
Slide 7: Lending Portfolio
Lending Portfolio Asset Quality Partnership and Alliances 10.6 ● Collateral: FLDG from ● Customer Turnover: partner <Rs. 1 Cr. 9.4 ● Cashflow: Banking & ● Average ticket size : 9.3 liquid income Rs. 0.01 Cr GNPA %* assessment ● Tenor: 12M 8.1 85.0% Portfolio Mix 6.7 15.0% 5.7 5.2 NNPA %* ● Collatera
Slide 8: Evolution of iSU: Net Revenue Contribution Mix
Evolution of iSU : Net Revenue* Contribution Mix FY25 Q2FY25 iSU’s net revenue* contribution mix has been ~45-40% ~55-60% moving in favour of Non-FI segments like Program Q1FY25 FI Management and SaaS 52.0% 48.0% FI 34.0% FY24 66.0% FI 92.4% FI We expect by the end of FY25 the overall contribution t
Slide 9: Financials – Quarterly
Financials – Quarterly Consolidated Profit & Loss Statement YoY QoQ ~44% ↑ QoQ (Rs Cr) Q2 FY25 Q2 FY24 Change Q1 FY25 Change Growth led by Program (%) (%) Management segment as scaling up seen in soundbox orders. Total Income 72.9 47.4 54% 50.8 44% Also, the transaction volumes normalised in this qu
Slide 10: Financials – Half Yearly
Financials – Half Yearly Consolidated Profit & Loss Statement (Rs Cr) YoY Change H1 FY25 H1 FY24 (%) 92.9 ~33% ↑ YoY Total Income 123.7 33% Total Income Growth led by Program Management segment Revenue (ex-device sales) 109.7 92.2 19% as scaling up seen in soundbox orders. Expenses 137.6 105.5 30% A
Slide 11: Shareholding Pattern
Shareholding Pattern Top Institutions Shareholding Pattern Think India Opportunities Master Fund Others Strategic India Equity Fund (31.8%) Founders (39.3%) Vikasa India EIF I Fund Alchemy Capital Management Pvt Ltd Institutional Investors UPS Group Trust (28.9%) 10 Note: As of September 30, 2024
Slide 12: Board of Directors
Board of Directors Amit Rajpal Gaurav Patankar Tashwinder Singh Subhasri Sriram NON-EXECUTIVE CHAIRMAN, NON-EXECUTIVE DIRECTOR, MANAGING DIRECTOR, INDEPENDENT DIRECTOR CO-FOUNDER CO-FOUNDER CHIEF EXECUTIVE OFFICER Managing Partner – Marshall Wace; Ex-BNY Mellon, Lockheed Martin Ex-Citigroup, KKR Dir
Slide 13: Management
Management Tashwinder Singh Abhishek Thakkar Debiprasad Sarangi Mohit Gang CHIEF EXECUTIVE CHIEF FINANCIAL CHIEF EXECUTIVE CHIEF EXECUTIVE OFFICER OFFICER OFFICER, iServeU OFFICER, MoneyFront Ex-Avendus Capital, Aegis Ex-iCash Card Ex-HSBC, Citi Ex-Citigroup, KKR Logistics, Deloitte Hitesh Jain Sank
Slide 14: Annexures
Annexures
Slide 15: Investment Rationale
Investment Rationale Unique – API Large addressable Tech-centric Delivering impact Public Listed, infrastructure market model Strong Board, provider with Management & lending capability Investor support • Go To partner for • 63 Mn+ MSMEs* A scalable tech platform Profit with purpose • BSE Listed and
Slide 16: Corporate Structure
Corporate Structure Lending Distribution 51% 60% 100% Finance Niyoblu Professional Channel Document Financial Merchant Project NACH Offline SaaS extraction & Agent App Inclusion Acquiring Management Automation Fintech enhancement Channel Withdrawal Device Agency solutions UPI Banking Products Manage
Slide 17: Our Journey
Our Journey • Announced the 3-year Hyper growth plan iSU • Acquired 51.00% in iServeU, a Rs 3,900 Cr • Upgraded DMT product & BBPS agent institution GTV platform • Expanded product use cases - Aadhar Pay for Collections & POS for M-ATM • SaaS based B2B • Acquired 50.01% in product went live under •