5paisa Capital Ltd. · NSE:5PAISA
5paisa Capital — Q1 FY22 Earnings Presentation
22 slides from 5paisa Capital's earnings presentation, Jul 14, 2021
Slide 1: Exchange filing cover letter for corporate presentation
July 14, 2021 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: Making Investing Simple and Rewarding - Investor Presentation Q1FY22
Making Investor Presentation Investing Quarter ended June 21 (Q1FY22) Simple and Rewarding
Slide 3: 5paisa.com An Overview
5paisa.com An Overview
Slide 4: India's fastest growing online broker
5paisa Capital Limited: India’s fastest growing online broker 1.63 mn+ 1 mn+ Satisfied customers Active customers y-o-y 77 % growth 7.67 mn+ App downloads with sustained 4.2 star rating 4.43% 60% Cash market share in Clients acquired through Q1FY22 DIY journey in Q1FY22 3 QUARTER ENDED JUN 2021
Slide 5: Offers a wide bouquet of Investment and Lending Solutions
Offers a wide bouquet of Investment and Lending Solutions.. Online trading Mutual Funds Subscription 1.65mn clients with Active SIP’s crossed 9500+ subscribers 63% active clients 50,000 milestone added in Q1FY22 Small case Digital Gold P2P Lending 31,000 orders 3,000 transactions Over ₹1.5 crore loa
Slide 6: Business Numbers at a Glance
Business 5paisa.com Numbers at a Glance
Slide 7: Rapid and consistent growth in customers and revenue
Rapid and consistent growth in customers and revenue Revenue (INR Mn) Ever-active customers* ('000s) Total customers ('000s) 1631 1353 1,442 1,147 956 1,169 1,007 710 542 844 324 424 644 248 476 121 159 191 358 259 22 73 42 96 54 117 229 175 232 268 353 424 526 496 499 609 Q2 FY19 Q3 FY19 Q4 FY19 Q1
Slide 8: Increasing customer acquisition and consistent reduction in CAC
Increasing customer acquisition and consistent reduction in CAC Client Acquisition Reducing CAC (in INR) 1483 2,78,044 2,46,711 1148 2,06,223 724 1007 1,90,725 894 897 813 1,67,552 624 535 373 234 1,18,184 497 759 524 579 472 524 397 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q4 FY20 Q1 FY21 Q2 FY21
Slide 9: With improving unit economics
With improving unit economics… DIY - Acquisitions Increasing Gross margin % 70% 60% 60% 58% 63% 50% 50% 50% 22% 41% 40% 40% 30% 20% -57% 10% FY18 FY19 FY20 FY21 Q1FY22 0% Q2FY21 Q3FY21 Q4FY21 Q1FY22 Gross Margin = Total Revenue – Marketing spend on customer Note: DIY - Clients on boarded through dig
Slide 10: Average daily turnover trend
Average daily turnover trend .. Avg. Daily Turnover – Cash (in Cr) Avg. Daily Turnover – Total (in Cr) 2,500 70,000 2,065 2,000 60,000 57,730 1,874 1,851 1,782 52,898 50,000 45,021 1,500 1,411 40,000 1,195 34,320 35,549 1,121 1,069 31,373 30,000 28,497 27,859 1,000 20,000 500 10,000 - 0 Q2FY20 Q3FY2
Slide 11: Our presence Pan India
Our presence Pan India Geographical Spread Tier wise Spread Gender wise Spread 10% 16% 9% 75% 90% Tier 1 Tier 2 Tier 3 Female Male Age Group wise Spread 45% 42% 40% 36% 78% Clients below age of 35 35% 30% 75% Clients from Tier 3 & 25% above 20% 18% 15% 10% Female Clients 10% onboarded 4% 5% 0% 18 -2
Slide 12: Financial Numbers
Financial 5paisa.com Numbers
Slide 13: Income & cost trend
Income & cost trend Income & cost (in Mn) Broking income (in Mn) and growth 700 30% 27% 300 40% 26% 609 35% 25% 35% 600 252 250 30% 526 511 232 496 499 20% 500 488 215 204 25% 451 21% 196 424 421 200 15% 23% 18% 20% 400 377 387 354 151 15% 10% 150 10% 300 9% 5% 5% 100 200 5% 0% 3% 0% 50 -5% 100 -7%
Slide 14: EBIDTA & Profit growth trend
EBIDTA & Profit growth trend ... EBIDTA (in Mn) & Margin (%) Profit after tax (in Mn) 180 30% 80 26% 72 160 155 70 24% 23% 25% 25% 59 140 60 130 119 19% 50 120 20% 100 40 96 32 100 28 28 15% 30 80 11% 20 60 10% 10 39 0 40 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 5% -10 20 -20 -17 - 0% Q4FY20 Q1FY21
Slide 15: Revenue & cost split
Revenue & cost split Revenue(in Mn) & Mix Average client funding book(in Mn) Fixed Cost to income ratio 2500 60% 354 424 526 496 499 609 57% 2239 100% 52% 51% 11% 11% 11% 13% 14% 15% 50% 90% 2000 47% 47% 46% 13% 10% 10% 80% 15% 15% 10% 1543 40% 70% 1464 1449 1500 1352 31% 60% 33% 38% 25% 34% 32% 113
Slide 16: Consolidated Profit & Loss quarter ended June 2021
Consolidated Profit & Loss quarter ended June 2021 Quarter Ended Quarterly Variances INR Mn Q1FY22 Q4FY21 Q1FY21 Q-o-Q Y-o-Y A. Income From Operations Brokerage Income 252 232 204 9% 23% Allied Broking Income 206 124 132 66% 56% Cross Sales Income 60 73 43 -17% 40% P2P Loan Commission 1 1 0 140% 117
Slide 17: Consolidated Profit & Loss for year ended March 2021
Consolidated Profit & Loss for year ended March 2021 Year Ended Year ended variances INR Mn Mar 31, 2021 Mar 31,2020 Y-o-Y A. Income From Operations Brokerage Income 847 478 77% Allied Broking Income 616 352 75% Cross Sales Income 236 133 78% P2P Loan Commission 6 - - Other Operating Income 241 121
Slide 18: Corporate, awards and others
Corporate, 5paisa.com awards and others
Slide 19: Board of Directors & Core Management Team
Board of Directors & Core Management Team Board of Directors Core Management Team Dr. Archana Niranjan Mr. Prakarsh Gagdani Mr. Ravindra Garikipati Mr. Ankit Fitkariwala Ms. Raisa Kazi Hingroni Whole-Time Director Independent Director Chief Business Officer Chief Marketing Officer Chairman and Chief
Slide 20: Awards
Awards 5paisa App awarded the ‘Most Innovative Fintech Product’ at Asian BFSI Leadership Awards Mr. Prakarsh Gagdani awarded as ‘FinTech Personality’ of the year 19
Slide 21: Vaccination drive
Vaccination drive 5paisa cares for its employees and to ensure their well-being , we organised a vaccination drive . 250 + employees got vaccinated with both doses 21
Slide 22: Thank you
5paisa.com Thank you