Moneyonmobile, Inc · OTC:MOMT
Moneyonmobile — Q2 FY2018 Earnings Presentation
27 slides from Moneyonmobile's earnings presentation, Nov 16, 2017
Slide 1: Q2 - FY2018 Earnings Call
Q2 - FY2018 Earnings Call November 16, 2017 DALLAS, TEXAS, USA MONEYONMOBILE OTCQB:MOMT
Slide 2: Presented by
MONEYONMOBILE OTCQB:MOMT Presented by 2 Will Dawson COO Harold Montgomery CEO and Chairman Scott Arey CFO Greg Allbright Head of Global Communications
Slide 3: Safe Harbor Provision
MONEYONMOBILE OTCQB:MOMT Safe Harbor Provision This presentation and comments made by management may contain forward-looking statements that involve a number of risks and uncertainties associated with our business. The factors that could cause our actual results of operations to differ materially fr
Slide 4: Highlights
MONEYONMOBILE OTCQB:MOMT Highlights 4 Product launches: Two- wheeler insurance and e- commerce Cash Flow positive India forecast for early 2018 Quarterly revenue for FY2018 was up 84% over year ago revenue October 2017 revenue highest ever, with an annualized run rate of $12.3 million 270% increase
Slide 5: Connecting Cash-based Indians to the Digital World
MONEYONMOBILE OTCQB:MOMT Connecting Cash-based Indians to the Digital World 5
Slide 6: Context
MONEYONMOBILE OTCQB:MOMT That’s 600 million people 95% of consumer payments in India are cash-based Half of all Indians don’t have access to a bank account Context 6
Slide 7: Platform
MONEYONMOBILE OTCQB:MOMT Platform Our platform aggregates transactions making for one-stop shopping 7 Money Transfer Mobile Top-Up Bill Payment Cash Out Retail purchase Insurance e-Commerce Travel
Slide 8: How it Works
MONEYONMOBILE OTCQB:MOMT How it Works 8 The Flow Consumer hands cash to retailer MoneyOnMobile conducts transaction with vendor Retailer process cash electronically via SMS text Consumer receives receipt of transaction
Slide 9: Our Results
MONEYONMOBILE OTCQB:MOMT Our Results 9 Negligible customer acquisition cost Near zero transaction cost 350,000 retailers Over $2 billion USD processed since inception Over 200 million customers touched
Slide 10: One Million Domestic Transfer Transactions Exceeded
MONEYONMOBILE OTCQB:MOMT One Million Domestic Transfer Transactions Exceeded 10 Growth fueled by sales and marketing efforts Focus is on adding retailers and encouraging consistent usage August 2017: First month to top the 1 million domestic transfers in a month mark Launched 20 months ago Second la
Slide 11: Financial Overview
MONEYONMOBILE OTCQB:MOMT Revenue Trends Selected Financial Overview Other Growth Drivers Margin Trend Financial Overview 11
Slide 12: Q2-FY2018 Financials (Quarterly Comparison)
MONEYONMOBILE OTCQB:MOMT Q2-FY18 Q2-FY17 Net Revenue $ 1.99 $ 1.08 Cost of Goods $ .94 $ .49 Gross Profit $ 1.05 $ .59 Gross Profit Margin 53% 54% Difference 84% 90% 79% -3% Amounts shown in US$ millions Q2-FY2018 Financials (Quarterly Comparison) 12 Unaudited
Slide 13: Q2-FY2018 Financials (Year-to-Date Comparison)
MONEYONMOBILE OTCQB:MOMT FY18 FY17 Net Revenue $ 3.20 $ 2.49 Cost of Goods $ 1.46 $ 1.16 Gross Profit $ 1.75 $ 1.33 Gross Profit Margin 55% 53% Difference 29% 26% 31% 2% Amounts shown in US$ millions Q2-FY2018 Financials (Year-to-Date Comparison) 13 Unaudited
Slide 14: Selling, general, and administrative difference
MONEYONMOBILE OTCQB:MOMT $3.1 $1.8 Q1 2018 Q1 2017 $1.8 $1.8 Q1 2018 Q1 2017 Difference from Q1 2017 to Q1 2018 in “Selling, general, and administrative”. (In millions) 14 $1.3 million • One time • Non-cash Equity Expense in Q1- 2018
Slide 15: Q2-FY2018 Financials (Quarterly Comparison)
MONEYONMOBILE OTCQB:MOMT Q2-FY18 Q2-FY17 Salaries & Wages $ 1.00 $ .76 SG&A $ 1.68 $ 1.70 Deprec & Amortization $ .19 $ .20 Operating Loss -$ 1.83 -$ 2.07 Difference 33% -1% -5% -12% Amounts shown in US$ millions Q2-FY2018 Financials (Quarterly Comparison) 15 Unaudited
Slide 16: 2017 Revenue Actual
MONEYONMOBILE OTCQB:MOMT $277K $1,027K 2017 Revenue 16 Actual (Unaudited) $12.3 Million (Run-rate based on October) January 2017 October 2017
Slide 17: Change in Category Level Revenue April – October 2017
MONEYONMOBILE OTCQB:MOMT Apr „17 May „17 Jun „17 Jul „17 Aug „17 Sep „17 Oct „17 Domestic Remittance / MOM ATM 22% 85% 13% 9% 48% 14% 49% Mobile / TV Top Up -6% 3% -10% 19% -5% -5% -13% All Other -43% 42% 272% 0% -12% 837% -86% Change in Category Level Revenue (Revised format) April – October 2017 1
Slide 18: Growth Drivers
MONEYONMOBILE OTCQB:MOMT Revenue growth from January thru October 2017* 270% Growth Drivers Financial Results 18 Unaudited Increased # of ATM’s in the field Domestic remittance growing faster than the market Increased revenue generated per Retailer
Slide 19: Underserved ATM Market
MONEYONMOBILE OTCQB:MOMT Underserved ATM Market 19 India has less than 200,000 ATMs for it’s 1.3B citizens. If India had the same ratio of ATMs to people as the US, it would need almost 2M more. Current Needed
Slide 20: Growth Accelerator
MONEYONMOBILE OTCQB:MOMT Makes our agents mini-ATMs Retailers monetizing the cash in their tills Retailers do not need a bank account Growth Accelerator 20 Average revenue increase to company seen after deployment 172%
Slide 21: Assisted e-Commerce
MONEYONMOBILE OTCQB:MOMT Assisted e-Commerce 21 Retailer uses our Portal to shop for goods Provides retailer with infinite inventory Consumer Retailer Vendor Order & Cash Electronic Order Electronic Order Physical Goods Digital Receipt We deduct value of order from retailers wallet Goods can be ship
Slide 22: Big Data and Microloans
MONEYONMOBILE OTCQB:MOMT Big Data and Microloans 22 Strengthens retailer/MoneyOnMobile relationships Encourages retailer to maximize use of our products/services Retailers request microloans through our platform 3rd party vendor uses recent processing data to evaluate credit worthiness Funds passed
Slide 23: Two-Wheeler Insurance
MONEYONMOBILE OTCQB:MOMT Two-Wheeler Insurance 23 Two-wheeler insurance market estimated at $1 billion estimated compliance rate for government mandated insurance 40% 2-wheel vehicles currently registered in India 150 million At least MoneyOnMobile serves as payment collectors for leading insurance
Slide 24: Growth Opportunity
MONEYONMOBILE OTCQB:MOMT Growth Opportunity Number of Transactions T ra n s a c ti o n Si z e Competitor Processing Costs Our Processing Costs Lowered Transactional Costs Opens Opportunities 24
Slide 25: Future Growth
MONEYONMOBILE OTCQB:MOMT Future Growth Moving beyond payments to digital services 25 Banking Government Benefits Healthcare Education Digital Commerce GIG Economy Entertainment Big Data
Slide 26: Questions & Answers
MONEYONMOBILE OTCQB:MOMT Questions & Answers 26 Will Dawson COO Harold Montgomery CEO and Chairman Scott Arey CFO Greg Allbright Head of Global Communications
Slide 27: Thank you!
Thank you!