Avenuesai Ltd · NSE:CCAVENUE
Avenuesai — Infibeam Avenues — Q3 FY25 Earnings Presentation
33 slides from Avenuesai's earnings presentation, Feb 4, 2025
Slide 1: Exchange filing cover letter for investor presentation
February 04, 2025 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai - 400 001 Bandra (East), Mumbai - 400 051 Company Code No.: 539807 Company Symbol: INFIBEAM Dear Sir / Madam, Sub: Investors’ Presentatio
Slide 2: Q3 FY25 Earnings Presentation
A Global FinTech Company Q3 FY25 Earnings Presentation 4th February 2025
Slide 3: 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 4: Earnings Presentation: Financial Performance and Outlook
EARNINGS PRESENTATION FINANCIAL PERFORMANCE AND OUTLOOK First Listed Fintech in India
Slide 5: Q3 FY25 At A Glance
Q3 FY25 At A Glance Key Strategic Business Developments CCAvenue Partners with Bassein Catholic Co‐op Bank for Net Banking Infibeam Avenues' flagship brand, CCAvenue, has integrated Bassein Catholic Co‐op Bank's net banking facility into its platform, expanding payment options for its merchants. T
Slide 6: Q3 FY25 At A Glance
Q3 FY25 At A Glance Key Strategic Business Developments Platform & Rediff Company continue to bolster its platform business as revenue continue to pour from its B2B cloud‐based Enterprise Software platform that caters diverse set of large corporations, enterprises and government. The upcoming quar
Slide 7: Q3 FY25 Performance At A Glance
Q3 FY25 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 2.24 tn 11.1 bps Business Performance + 24% + 32% (% change YoY) No. of merchants TPV 1 Payments NTR 10,704 * 782 540 Financial Performance # + 18% + 15% + 22% (INR million) Gross Revenue EBITDA 3 PAT 3 INR 1,399 mn 56%
Slide 8: Financial Performance Snapshot – Q3 FY25
Financial Performance Snapshot – Q3 FY25 Growth Across All Key Parameters Q3FY25 v/s. Q3FY24 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q3 FY25 Q3 FY24 # YoY (%) Transaction Processing Value (TPV, in
Slide 9: 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) 2,722 ~ 2,000+ 2,160 Avg. daily merchant 1,669 addition in Q3 FY25 952 $33 bn 623 $26 bn 623 739 684 $20 bn CCAvenue International $12 bn $9 bn $8 bn $8
Slide 10: 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 6.2 Payments TPV Plat
Slide 11: Guidance FY25
Guidance FY25 Well‐poised for Growth Gross Revenue Net Revenue INR 39,000 ‐ 42,000 million INR 4,500 – 5,000 million (up 23% ‐ 32% YoY) (up 5% ‐ 17% YoY) EBITDA PAT INR 2,750 – 3,000 million INR 1,750 – 2,000 million (up 9% ‐ 19% YoY) (up 18% ‐ 35% YoY) 10
Slide 12: Company Overview & Industry Outlook
CORPORATE PRESENTATION COMPANY OVERVIEW & INDUSTRY OUTLOOK First Listed Fintech in India
Slide 13: About Infibeam Avenues
About Infibeam Avenues Click to watch video A Payment Infrastructure and eCommerce Software Platforms Company 12
Slide 14: Business At a Glance
Infibeam Avenues Business At a Glance • India’s First listed fintech company (listed in 2016) with a consistent Key Highlights PROFITABLE track record • A Payment Infrastructure company; Offering omni‐channel and full‐ India’s First Retail India’s First Enterprise stack B2B Digital Payments solution
Slide 15: 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 16: 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 + Omnichannel 2 offerings payments ecosystem (digital payments + software platforms) BBPOU (bill payment
Slide 17: 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 18: Company Overview: Payments Business
94% Gross Revenue contribution COMPANY OVERVIEW Payments Business First Listed Fintech in India
Slide 19: The Fintech Universe And Business Models
The Fintech Universe And Business Models Company targets ‘merchants and banks’ for scalable and sustainable growth CUSTOMER SEGMENTATION Slide 12 Slide 13 Company is focused on low‐cost, stable, scalable and sustainable business from Merchants and Banks 18
Slide 20: 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 expansion 19
Slide 21: 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 22: 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 23: BillAvenue (Bill Payments through 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 24: 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 Launched payment issuance infrastructure for Banks in FY23 Target customers: B2B;
Slide 25: The Digital Ecosystem Is Expanding
The Digital Ecosystem Is Expanding … … and the total addressable market continues to grow New Flows Will Lead To Increasing TAM New acceptance eCommerce share form factors of spending to rise P2P and B2C New platforms to reach digitisation billions of unbanked Government disbursement digitisation Fi
Slide 26: India's Digital Payments Market To Become $3tn By FY28
India’s Digital Payments1 Market To Become $3tn By FY28 (Online + Offline) Continued uptake in FY23 even post‐Covid, suggesting growth to continue Digital Payments1 Industry Size & Growth – India in INR trillion Projected FY28 P2M Industry Size 33% (@25% 5yr CAGR) YoY ~INR 225 tn (approx. $3 tn) 3x
Slide 27: International Expansion Plans For Becoming A Global Fintech Player
International Expansion Plans For Becoming A Global Fintech Player Country‐in‐a‐box strategy Targeting 12‐15% international contribution to Payment’s Net Revenue by FY28 USA & Australia UAE and Oman operational. Australia & USA: To be To be launched over a period of 3‐5 years Saudi to re‐start in op
Slide 28: Few Marquee Clients
Few Marquee Clients Marquee clients across industries GCC c c c c c c c c c India 10.0+ million total merchants; strong merchants addition in payment continues 27
Slide 29: Company Overview: Platforms Business
6% 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 to GeM contract upto Q3FY24. 4,037 3,8
Slide 31: Annexure
ANNEXURE First Listed Fintech in India
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 Thank You Investor Relations Sunil Bhagat Rajat Gupta sunil.bhagat@ia.ooo rajat@goindiaadvisors.com To know more, visit us at: www.ia.ooo | www.ccavenue.com