Eml Payments Ltd. · ASX:EML
Eml Payments — Emerchants — H1 FY2015 Earnings Presentation
20 slides from Eml Payments's earnings presentation, Feb 13, 2015
Slide 1: Emerchants 2015 Interim Results Presentation
13 February 2015 For personal use only ASX Market Announcements Australian Securities Exchange Limited 20 Bridge Street SYDNEY NSW 2000 EMERCHANTS 2015 INTERIM RESULTS PRESENTATION Emerchants Limited’s (ASX: EML) CEO, Tom Cregan, will today be providing a briefing for shareholders and the investment
Slide 2: Fiscal Year 15 First Half Results Presentation
For personal use only Fiscal Year 15 First Half Results Presentation February 13, 20151
Slide 3: Important Notice
Important Notice For personal use only emerchants refers to the Emerchants Group which contains Emerchants Limited and its We believe the information provided herein is reliable, as of the date hereof, but do not wholly owned subsidiaries including Emerchants Payment Solutions Limited. warrant its a
Slide 4: Mission
For personal use only Mission empowering | Your Money To transform the commercial payment solutions landscape by inspiring companies and their customers to demand more control, more transparency and more flexibility over their money. 3
Slide 5: Key Customer Relationships
Key Customer Relationships For personal use only We Continue To Build Greater Penetration Within Key Industry Verticals Consumer Lending Gaming and Wagering Commercial Non- Services Reloadable 4
Slide 6: First Half Business Highlights – Australian Operations
First Half Business Highlights – Australian Operations For personal use only Customers signed and launched this half will contribute significantly to future earnings Sportsbet Launch Launch of Ladbrokes Bet365 Agreement Launch of CCIG Program Visa Card Sportsbet is the largest In September 2014 we W
Slide 7: First Half Business Highlights – Australian Operations
First Half Business Highlights – Australian Operations For personal use only Customers signed and launched this half will contribute significantly to future earnings Signed Agreement Ingogo Expansion Growth in Non- with Money Me Reloadable Products We announced a multi-year We experienced significan
Slide 8: First Half Business Highlights – European Operations
First Half Business Highlights – European Operations For personal use only Expect Strong Financial Contributions from Recently Closed Acquisition Closed Store Implemented MFI Hammerson Program Value-Retail Program Financial, United Program Implemented Commenced Kingdom Acquisition Acquisition was cl
Slide 9: Store Financial – Countries Of Operation
Store Financial – Countries Of Operation Provides a footprint across nine countries for Reloadable products For personal use only • Profitable and cash flow positive today • Strong projected growth for existing products • Stable, long term contractual relationships with existing customers • High qua
Slide 10: Performance Metrics – Transactions
Performance Metrics – Transactions For personal use only 89% growth over prior corresponding period, driven by a 239% increase in Reloadable * 9
Slide 11: Performance Metrics – Stored Value Balances
Performance Metrics – Stored Value Balances 207% growth over prior corresponding period For personal use only * 10
Slide 12: Performance Metrics – Total Dollars Loaded
Performance Metrics – Total Dollars Loaded 143% growth over prior corresponding period with Reloadable increasing 215% For personal use only * 11
Slide 13: Performance Metrics – Number of Active Accounts
Performance Metrics – Number of Active Accounts For personal use only 175% growth over prior corresponding period. Significant contribution from Europe * 12
Slide 14: Financials
Financials Statement of Profit and Loss for 6 months ended 31 December 2014 For personal use only Historic positive EBITDA contribution for the first half of FY15 • Strong Revenue growth due to 6 months 6 months ('000) %∆ contributions from Australian Online to Dec 13 to Dec 14 Breakage income 545 1
Slide 15: Revenue sources are balanced and diversified
Revenue sources are balanced and diversified Customer info system authorises transaction and adjusts cardholder For personal use only account balance emerchants issues prepaid card emerchants 29.8% of Revenues software Set up fee Card Production Transaction request sent to Transaction authorised eme
Slide 16: Financial Results
Financial Results Statement of Financial Position and Cash Flow for 6 months ended 31 December 2014 For personal use only Continuing to strengthen the Balance Sheet: Summary of Financial Position • Intangibles have increased due to acquisition of SFUK for A$25m and is predominantly comprised of Good
Slide 17: First Half Financial Commentary
First Half Financial Commentary Execution of stated strategy is delivering fully on expectations: For personal use only • We have good diversification in our revenue streams between Establishment fees, Transaction fees (incorporating Transaction fees, Load fees and Interchange) and Interest and Brea
Slide 18: Second Half Financial Outlook
Second Half Financial Outlook Execution of stated strategy is delivering fully on expectations: For personal use only • Record January 2015 revenues of $1.25m+ and positive EBITDA providing a strong start to the second half. • January revenues showed the same diversification, with Transaction fees r
Slide 19: Second Half Priorities – Australian Operations
Second Half Priorities – Australian Operations Continuing focus on business development and business efficiency For personal use only - We will be focused on the launch of new programs in the Gaming and Wagering and Consumer Lending segments, which will provide further revenue growth in FY16 and bey
Slide 20: Second Half Priorities – European Operations
Second Half Priorities – European Operations Setting the foundation for the launch of reloadable products in FY16 For personal use only - I.T development efforts are underway to support the launch of Reloadable products, and at this stage we expect that development to be completed in August 2015, en