Slide 1: Exchange filing cover letter: Investor Presentation for quarter ended December 31, 2024
Date: February 04, 2025 To, National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G Phiroze Jeejeebhoy Towers Bandra Kurla Complex Dalal Street, Mumbai – 400 001 Bandra (E), Mumbai – 400 051 Symbol: MOBIKWIK Scrip Code: 544305 Sub: Investor Presentation for the quarter ende
Slide 2: April 2024 - Private & Confidential
1 April 2024 PRIVATE & CONFIDENTIAL
Slide 3: MobiKwik – India's Largest Digital Wallet
MobiKwik – India’s Largest Digital Wallet 172 Mn 4.5 Mn 5 Mn Users Key User Statistics Registered User Base 31 Dec 2024 Merchants 31 Dec 2024 110 K Merchants +13.9% YoY +16.2% YoY Newly added in Q3FY25 INR 294.5 Bn INR 7.0 Bn 0.67% Operational Payment GMV Digital Credit GMV Payment Take Rate Metrics
Slide 4: Growth and Profitability Trends for 9mFY25
Growth and Profitability Trends for 9mFY25 Consistent YoY growth in Total Income … lower FS revenue(1) resulted in subdued margins… … leading to moderation in EBITDA Total Income (INR Mn) Contribution Margin (%) (INR Mn) EBITDA (%) (INR Mn) FY o FY 9M o 9M FY o FY 9M o 9M FY o FY 9M o 9M CM (2) EBIT
Slide 5: Growth and Profitability Trends for Q3FY25
Growth and Profitability Trends for Q3FY25 Driving consistent YoY growth in Total Income … lower FS revenue(1) resulted in subdued margins… … leading to Moderation in EBITDA Total Income (INR Mn) Contribution Margin (%) (INR Mn) EBITDA (%) (INR Mn) YoY QoQ YoY QoQ YoY QoQ CM (2) EBITDA (2) 37.7% 26.
Slide 6: Strong & Consistent Growth in Payments Business
Strong & Consistent Growth in Payments Business Registered User base has grown significantly… …driving exponential growth in Payment spends … … leading to strong Payments Revenue growth Registered Users (Mn) Payment GMV (INR Bn) Revenue – Payments (INR Mn) & Gross Margin (%) YoY QoQ YoY QoQ YoY QoQ
Slide 7: Sectoral headwinds in unsecured lending has impacted distribution business
Sectoral headwinds in unsecured lending has impacted distribution business Credit product distribution has been lower… …impacting Financial Services Revenue .. with higher Lending Related Expenses Digital Credit GMV (Distribution) (INR Bn) Revenue from Financial Services and GM (%) (INR Mn) Lending
Slide 8: Robust payments platform will lead to cross-sell opportunities (1/2)
Robust payments platform will lead to cross-sell opportunities (1/2) Revenue Mix tilted towards Payments Business Resulting in compression of the Overall Contribution Margin (1)(2) (%) Total Income buildup (INR Mn) Contribution Margin buildup (%) YoY QoQ YoY QoQ 2,937 18.6% 2,745 2,745 26.6% 26.6% 3
Slide 9: Robust payments platform will lead to cross-sell opportunities (2/2)
Robust payments platform will lead to cross-sell opportunities (2/2) Stable Fixed Costs QoQ … …Moderate EBITDA due to lower CM… … leading to lower PAT Fixed Cost and Fixed Cost (%) (INR Mn) EBITDA and EBITDA (%) (INR Mn) PAT and PAT (%) (INR Mn) YoY QoQ YoY QoQ YoY QoQ Fixed EBITDA (1) PAT(1) Cost(1
Slide 10: Key Growth Areas
Key Growth Areas 01 Pocket UPI Significant headroom to gain market share in the UPI ecosystem through differentiated products such as Pocket UPI, which allows users to use a digital wallet to pay on the UPI network 02 Rupay Credit card on UPI MobiKwik has partnered with a bank to offer FD-backed Rup
Slide 11: MobiKwik becomes first fintech to do full launch of CBDC with RBI
MobiKwik becomes first fintech to do full launch of CBDC with RBI e-Rupee Wallet MobiKwik is the first digital wallet to go live with a full-scale production version of the e-rupee (e₹) wallet, the new CBDC product is available to all its Android users. The e₹ wallet allows users to send and receive
Slide 12: Annexure
Annexure
Slide 13: Payments Business - Key Performance Indicators (KPIs)
Payments Business - Key Performance Indicators (KPIs) For the quarter ended For the quarter ended Key Performance Indicator Unit 31-Dec-24 30-Sep-24 Payment GMV INR Mn 2,94,456 2,82,759 Payment gateway GMV INR Mn 9,432 18,268 Platform Spend GMV INR Mn 3,06,956 3,10,529 Registered Users Mn 172 167 Ne
Slide 14: Financial Services Distribution Business - Key Performance Indicators (KPIs)
Financial Services Distribution Business - Key Performance Indicators (KPIs) For the quarter ended For the quarter ended Key Performance Indicator Unit 31-Dec-24 30-Sep-24 Digital Credit GMV INR Mn 7,047 16,260 ZIP EMI GMV (Disbursements) INR Mn 3,979 6,758 Activated - Zip EMI Users Mn 1.2 1.1 ZIP E
Slide 15: Financial Statements - Key Performance Indicators (KPIs)
Financial Statements - Key Performance Indicators (KPIs) For the quarter ended For the quarter ended Key Performance Indicator Unit 31-Dec-24 30-Sep-24 Payments Take Rate % 0.67% 0.66% Financial Services Take Rate % 10.4% 6.3% Revenue from operations INR Mn 2,695 2,906 Gross Margin - Payment Service
Slide 16: Thank you for your attention
Thank you for your attention & Mhobikwik
Slide 17: Disclaimer
Disclaimer By attending the any earnings-related event or by markets in India and globally, changes in domestic laws, indicative of future results. reading the presentation slides you agree to be bound regulations, taxes, changes in competition in the as follows: industry in which we operate and inc