Digispice Technologies Ltd. · NSE:DIGISPICE
Digispice Technologies — Q3 FY2025 Earnings Presentation
17 slides from Digispice Technologies's earnings presentation, Feb 14, 2025
Slide 1: Exchange filing cover letter for investor presentation
Date: 14th February, 2025 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400 001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub.: Investors presentation on
Slide 2: DiGiSPICE Technologies Limited Q3FY25 Investor Presentation
DIGISPICE TECHNOLOGIES LIMITED Q3FY25 Investor Presentation 1
Slide 3: Table of Contents
1 Executive Summary 2 Spice Money: Key Business Update Spice Money: Movement in GM Table of Contents 3 Contribution Mix 4 Spice Money: Services Update 5 Financial Highlights 2
Slide 4: Executive Summary
Executive Summary Strategic Vision Key Update Q3 FY25 ▪ Consolidate share of core assisted payments ▪ Significant growth in Collections with CMS GTV growing by ~80% industry and maintain market leadership. Double Y-o-Y. down on operating leverage in core business. ▪ Held AEPS market leader position
Slide 5: Spice Money Adhikari - Growing Network
Spice Money Adhikari - Growing Network Spice Money Adhikaris (‘000) 1600 1506 1392 1400 1244 1200 1006 1000 800 Spice Money Adhikari 576 600 Geographical Presence Across: 2.49 L villages 400 241 6,475 Blocks 200 0 FY20 FY21 FY22 FY23 FY24 9MFY25 Strong presence Growing opportunity 4
Slide 6: Spice Money – Key Business Update – GTV Trend
Spice Money – Key Business Update- GTV Trend Customer Gross Transaction Value (in INR. ‘000 Crs) 108 3 101 5 100. 4 Year CAGR- 33% 3 6 83 33 3 21 80. 6 15.9% 12 60. 21.7% 46 1 5 40. 1 32.0 70 67 27.6 0.8 26.3 62 0.7 0.5 0.7 1.3 0.9 20% 14.9 20. 40 8.7 10.4 16.9 14.2 15.8 0. FY21 FY22 FY23 FY24 Q3FY2
Slide 7: Spice Money – Key Business Update – GM Trend
Spice Money – Key Business Update- GM Trend Gross Margin (in INR. Crs) 169 165 3 3 2 1 160. 4 Years CAGR- 29% 1 11 18 7 6 140. 6 127 2- 24 32 120. 11 4 14 100. 79 5.0% 80. 11 4 1.8% 60. 6 112 108 96 41.9 0.5 43.2 0.5 44.0 0.5 0.5 1.8 1.9 40. 1.6 2.4 3.9 4.4 1.7 1.8 0.5 8.3 1.7 9.8 58 8.4 1.2 1% 20.
Slide 8: Movement in GM Contribution Mix
Spice Money – Movement in GM Contribution Mix Q3 FY25 Nature of Contribution to Contribution to Product line Strategic Driver Margins Business GM Q3 FY 25 GM Q3 FY 24 (in INR Crs) AEPS + Micro ATM Key business attracting customer footfall 25.8 59% 64% Remittance Footfall Driver 1.2 3% 4% Transaction
Slide 9: Key Services Update – CMS
Spice Money – Key Services Update- CMS CMS GTV (in INR. Crs) • No. of Large CMS SMAs who have >30 Lacs GTV/Quarter has increased by more than 30% Y-o-Y. The business contributed by them has also 30000 27,682 Increased by 86% Y-o-Y. 25000 • Large CMS SMAs contribute to over 94% of the total 79% 20000
Slide 10: Key Services Update – BBPS
Spice Money – Key Services Update- BBPS Bill Payment GTV (in INR Crs) • Loan Repayment- EMI main driver for BBPS Growth. 4500 • BBPS collection centres are deeper in rural areas & 4000 4,190 smaller in size as compared to CMS. Hence, gradual shift 1,030 of CMS customers towards BBPS, which is helpin
Slide 11: Key Services Update – CASA (Lifetime)
Spice Money – Key Services Update- CASA (Lifetime) Total Saving Accounts Total Current Accounts Total Float (in INR Crs) SMAs opened 5+ accounts 129.5 779,054 50,811 1.3x 122.6 2.7x 27,100 22 % 3x 34% 3.1x 42,102 21% 98 22,301 583,229 256,620 16,465 10,117 Q3FY24 Q2FY25 Q3FY25 Q3FY24 Q2FY25 Q3FY25 Q
Slide 12: Key Services Update – Credit
Spice Money – Key Services Update- Credit No. of Secured & Unsecured Loans (‘000) Value of Secured & Unsecured Loans (in INR Crs) Secured Loans Unsecured Loans Secured Loans Unsecured Loans 70 102 1.9x 69.6 16.9 58.6 69.0 88.8 15.6 41 16 30.5 22.4 53 11.0 43 10.3 27.4 1.0 0.3 1.2 2.1 13.6 FY23 FY24
Slide 13: Key Services Update – AEPS
Spice Money – Key Services Update- AEPS Q-o-Q Y-o-Y FY24 vs Industry Metrics Q3 FY25 Q2 FY25 Q3 FY24 FY24 FY23 Change % Change % FY23 Industry Industry GTV (Off- Us)(In INR Crs.) 77,656 70,822 78,942 3,14,000 3,33,620 9.6% -1.6% -5.9% SM GTV (In INR Crs.) 13,579 12,175 13,760 54,780 57,214 11.5% -1.
Slide 14: Spice Pay, our UPI Offering
Spice Money – Spice Pay, our UPI Offering Spice Pay has been launched in select districts in Bihar and Madhya Pradesh. Services already live include UPI– Send and Receive money, Add Cash, Bill Payments, Recharge etc. Key Stats Oct - Jan Wallets Opened (Nos.) 13,308 Active Wallets (Nos.) 10,110 Consu
Slide 15: Consolidated – Financial Highlights
Consolidated – Financial Highlights Year ended Growth Growth YTD Growth Particulars (Rs. Crs) Q3FY24 Q2FY25 Q3FY25 FY24 Q-o-Q Y-o-Y Dec'23 Dec'24 Y-o-Y 1.Customer GTV 107,818 27,575 26,258 31,951 22% 16% 82,017 83,822 2% 2. Revenue 439 110 109 113 333 332 - Service Fees 427 108 103 110 7% 2% 325 314
Slide 16: Summary – Platform & New business
Summary – Platform & New business Year ended YTD Particulars (Rs. Crs) Q3FY'24 Q2FY'25 Q3FY'25 Q-o-Q Y-o-Y Variance FY24 Dec'23 Dec'24 1. Revenue:- 439.4 110.4 109.0 113.0 4% 2% 333.4 331.7 -1% Platform business 436.8 109.8 108.2 112.3 4% 2% 331.1 329.7 0% SpicePay & Credit distribution 2.6 0.6 0.8
Slide 17: Thank You
Thank You For further queries please contact: Amit Kumar Sharma Adfactors PR +91 98677 26686 amit.sharma@adfactorspr.com 16
DiGiSPICE Technologies — Q3 FY2025 Earnings Presentation on 6ix