Investor Presentaiton
11
FinTech Model Showing Better Prospects For Every Cohort
Consistently Acquiring Younger Clients
51%
25%
<25 years
>25 years
Great
Place
A AngelOne
To
Work
Certified
>89% Of Gross Client Addition Contributed By Tier 2, 3 & Beyond Cities In Q3'24
PE2023-FEB 2324
1,337
1,468
1,257
1,178
988
1,293
1,325
2,117
2,461
('000)
254
225
553
60%
57%
51%
490
Tier 1
169
157
131
31
133
13
148
120
Tier 2
468
431
383
103 326
305
357
1,654
304
1,402
40%
43%
49%
Tier 3
749
830
742
701
834
872
580
FY22
FY23
9M '24
Q3'22
04'22
Q1'23
Q2'23
Q3'23
04'23
Q1'24
Q2'24
Q3'24
Avg Age Of
Clients Acquired
29
29
29
29
29
29
29
29
29
28
20
29
Rising Share Of Net Broking Revenue From Longer Vintage Clients
5+ years
3-5 years
2-3 years
1-2 years
<1 years
Consolidated EBDAT Margin
Reported margin
Normalised margin
57.5%
55.1%
50.9%
52.4%
53.9%
51.3%
48.6%
48.6%
44.0%
30%
23%
21%
52.3%
51.2%
16%
9%
Q3'22
04'22
Q1'23
Q2'23
Q3'23
04 23.
Q1'24
Q2'24
Q3'24
Includes one
time profit of
89.9 Mn on
Includes one-time
positive impact of
sale of property
405 Mn on account of
reversal of grants &
-
variable pay provision
66
9%
9%
7%
Q3'22
Q4'22
Q1'23
Q2'23
Q3'23
04'23
Q1'24
Q2'24
03'24
Prior period figures are restated, especially for bad debts recovered, which formed a part of other income, now being netted off against
bad debts from other expenses. The same does not impact our EBDAT and profit after tax.
Tier 3 includes Tier 3 and beyond cities.
EBDAT Net Income Emp. Cost - Other Opex; EBDAT Margin = EBDAT/ Net Income.View entire presentation