Avenuesai Ltd · NSE:CCAVENUE
Avenuesai — Infibeam Avenues — Q4 FY25 Earnings Presentation
33 slides from Avenuesai's earnings presentation, May 26, 2025
Slide 1: Q4 FY25 & Full Year Earnings Presentation
A Global FinTech Company Q4 FY25 & Full Year Earnings Presentation 26th May 2025
Slide 2: Disclaimer
Disclaimer This presentation contains certain words and statements concerning Infibeam Avenues Limited (“the Company”) and its prospects, and other statements relating to the Company’s expected financial position, business strategy, the future development of the Company’s operations and the general
Slide 3: Financial Performance and Outlook
EARNINGS PRESENTATION FINANCIAL PERFORMANCE AND OUTLOOK Pioneering a New Era : India’s First Listed Fintech Company
Slide 4: Exceeding Outlined Guidance – FY25
Exceeding Outlined Guidance – FY25 Well-poised for Future Growth Particulars FY25 Guidance FY25 Actual (INR Million) Gross Revenue 39,000 - 42,000 39,926 Net Revenue 4,500 – 5,000 5,258 EBITDA 1 2,750 – 3,000 3,121 PAT 1 1,750 – 2,000 2,095 1 excluding any one-time and mark-to-market gain/loss 4
Slide 5: FY25 At A Glance
FY25 At A Glance Key Strategic Business Developments To accelerate our ambitious growth plans, our Board has approved right issue not exceeding INR 700 crore to fund strategic initiatives across digital payments (RediffPay), AI-led infrastructure (Infibeam Quantum Edge), and global expansion—while
Slide 6: FY25 At A Glance
FY25 At A Glance Key Strategic Business Developments Introduced Infibeam Quantum Edge – a distributed, AI-optimized data center infrastructure designed to power the next generation of agentic AI. Launched the CCAvenue Smart SoundBox—a game-changing, all-in-one fintech device—driving rapid mercha
Slide 7: Q4 FY25 Performance At A Glance
Q4 FY25 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 2.42 tn 10.6 bps Business Performance + 7% YoY + 16% YoY No. of merchants TPV 1 Payments NTR 11,605 * 779 503 Financial Performance # + 62% YoY + 25% YoY + 53% YoY (INR million) Gross Revenue EBITDA 3 PAT 3 INR 1,351 mn
Slide 8: FY25 Performance At A Glance
FY25 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 8.67 tn 11.7 bps Business Performance + 23% YoY + 44% YoY No. of merchants TPV 1 Payments NTR 39,926 * 3,121 2,095 Financial Performance # + 27% YoY + 23% YoY + 42% YoY (INR million) Gross Revenue EBITDA 3 PAT 3 INR 5,258
Slide 9: Financial Performance Snapshot – Q4 FY25
Financial Performance Snapshot – Q4 FY25 Growth Across All Key Parameters Q4FY25 v/s. Q4FY24 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q4 FY25 Q4 FY24 # YoY (%) Transaction Processing Value (TPV, in
Slide 10: Financial Performance Snapshot – FY25
Financial Performance Snapshot – FY25 Growth Across All Key Parameters FY25 v/s. FY24 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) FY25 FY24 # YoY (%) Transaction Processing Value (TPV, in INR billion)
Slide 11: CCAvenue (India + Intl.) Payments Business
CCAvenue (India + Intl.) Payments Business Payment business on a Strong Footing CCAvenue Payments TPV (India + Intl.) CCAvenue India (INR billion) 2,732 ~ 2,000+ 2,160 Avg. daily merchant 1,669 addition in Q4 FY25 952 $33 bn 623 $26 bn 623 739 684 686 $20 bn CCAvenue $12 bn $8 bn $8 bn $9 bn $8 bn $
Slide 12: Company’s Revenue Model
Company’s Revenue Model Growth Focused Revenue Model (Mix of Transaction-Based And Annuity) Total Transaction Processing Value (INR trillion) * Net Take Rate-NTR (Net earnings per transaction in bps) Payments TPV + Platform TPV Payments business Annual Quarterly 1.4 2.9 4.4 7.0 8.6 Payments TPV 5.4
Slide 13: Company Overview & Industry Outlook
CORPORATE PRESENTATION COMPANY OVERVIEW & INDUSTRY OUTLOOK Pioneering a New Era : India’s First Listed Fintech Company
Slide 14: About Infibeam Avenues
About Infibeam Avenues Click to watch video A Payment Infrastructure and eCommerce Software Platforms Company 14
Slide 15: Infibeam Avenues – Business At a Glance
Infibeam Avenues Business At a Glance • India’s First listed fintech company (listed in 2016) with a Key Highlights consistent PROFITABLE track record • A Payment Infrastructure company; Offering omni-channel and India’s First full-stack B2B Digital Payments solutions (Payments), enterprise India’s
Slide 16: Leading the industry with many firsts
Infibeam Avenues Leading the industry with many firsts - In 2007, became first Indian PA to achieve PCI-DSS compliance and the first to become a MasterCard Member Service Provider - In 2008, was the first to be certified by American Express for global currency processing - In 2010, launched India’s
Slide 17: Leading the industry with many firsts
Infibeam Avenues Leading the industry with many firsts - In 2025, CCAvenue Partners with Sutex Cooperative Bank for enhancing Net Banking Facility - In 2025, CCAvenue's collaboration with ESAF Small Finance Bank goes live enabling secure Direct Debit Facility for millions of merchants - In 2025, CCA
Slide 18: Strategic And Competitive Advantages
Infibeam Avenues Limited A powerful combination of payment infrastructure and ecommerce software platforms Strategic And Competitive Advantages Invested across entire Payment Aggregator license 3 payments ecosystem Omnichannel 2 offerings + BBPOU (bill payment) (Acquiring + Issuance + Network + (dig
Slide 19: Building A Long-term Scalable And Sustainable Business
Building A Long-term Scalable And Sustainable Business Company’s long-term plans to create superior shareholder value o Focus on profitable revenue growth Building a sustainable o Processing profitable transactions business model o Increasing net take rate through cross-sell and up-sell o Building h
Slide 20: Company Overview: Payments Business
95% Gross Revenue contribution COMPANY OVERVIEW Payments Business First Listed Fintech in India
Slide 21: Bank Centric Business Model (Building Payments Infrastructure)
Bank Centric Business Model (Building Payments Infrastructure) De-risked and sustainable business model Leveraging fintech expertise for global 21 expansion
Slide 22: CCAvenue All in one POS device
CCAvenue All in one POS device A complete all-encompassing POS device that lets a merchant accept all type of payment modes through one device • Tap and Pay NFC Card Transactions with PIN on pin pad for above INR 5000 • EMV Dip Card Transactions • Static UPI Transaction • Dynamic UPI Transactions •
Slide 23: CCAvenue Omnichannel Payment Solution
CCAvenue Omnichannel Payment Solution Among the worlds most advanced, featuring India’s first pin-on-glass softPoS solution • Payments on-the-go; anytime anywhere • No/Low Cost Android-based mobile app • Aligned with RBI’s Payment Vision 2025 to increase payment acceptance through low cost solutions
Slide 24: BillAvenue (Bill Payments thru Bharat BillPay System / BBPS)
BillAvenue (Bill Payments thru Bharat BillPay System / BBPS) Bill payments platform to cater to the large untapped utility and recurring payments segment across India Built on the BBPS1 infrastructure, BillAvenue is a unified, BillAvenue Business Performance interoperable, online payments platform
Slide 25: Go Payments (majority owned subsidiary)
Go Payments (majority owned subsidiary) Empowering unbanked to access digital financial services ‘Instant Global Paytech Pvt. Ltd.’, operating through the brand ‘Go Payments’ to provide assisted commerce services MONEY TRANSFER RECHARGE TRAVEL INSURANCE Launched payment issuance infrastructure f
Slide 26: The Digital Ecosystem Is Expanding … Digital Payments
The Digital Ecosystem Is Expanding … … and the total addressable market continues to grow New Flows Will Lead To Increasing TAM New eCommerce eCommerce share New acceptance acceptance ofshare of to rise spending form factors P2P P2P and form factors and B2C spending to rise B2C digitization New plat
Slide 27: International Expansion Plans For Becoming A Global Fintech Player
International Expansion Plans For Becoming A Global Fintech Player Targeting 12-15% international contribution to Payment’s Net Revenue by FY28 Other Geographies South East Asia USA & Australia USA GCC UAE and Oman operational. Australia & USA: Saudi expected to To be operational To be launched over
Slide 28: Few Marquee Clients
Few Marquee Clients Marquee clients across industries INDIA UAE GCC c c c c Podar Education c c c c c India 10.0+ million total merchants; strong merchants addition in payment continues 28
Slide 29: Company Overview: Platforms Business
5% Gross Revenue contribution COMPANY OVERVIEW Platforms Business First Listed Fintech in India
Slide 30: Enterprise Software Platforms and Infrastructure
Enterprise Software Platforms and Infrastructure An e-commerce marketplace platform/infrastructure built for large scale implementation Business Overview Platforms Transaction Processing Value (INR billion) A cloud-based, E2E SaaS platform allowing corporates GeM contract upto Q3FY24. 5,430 Revenu
Slide 31: Annexure
ANNEXURE Pioneering a New Era : India’s First Listed Fintech Company
Slide 32: Revenue and Cost Drivers
Revenue and Cost Drivers Building a scalable business model Payment Gateway Bill Payments eComm. platform Businesses • CCAvenue (India + Intl.) • BillAvenue • Marketplace for Enterprise • CCAvenue TAPPay (SoftPoS) • ResAvenue • B2Biz • CPGS (Payment Infra for banks) Revenue model • Transaction based
Slide 33: Thank You
PAYMENTS | PLATFORMS PAYMENTS | PLATFORMSR Thank You Investor Relations To know more, visit us at: Sunil Bhagat Rajat Gupta sunil.bhagat@ia.ooo rajat@goindiaadvisors.com To know more, visit us at: www.ia.ooo | www.ccavenue.com www.ia.ooo | www.ccavenue.com 33