Investor Presentaiton
Consolidated Financial Snapshot - Quarterly
Loss gap widened on account of one-off events and product specific commercials impacted
by change in regulation
Consolidated Profit & Loss
YOY
Statement (INR Cr)
Q2FY24 Q2FY23
Change
(%)
Q1FY24
QoQ
Change
(%)
~91% ↑ YOY
Revenue (ex-device sales)
47.2
24.7
91.1%
45.0
4.8%
Revenue (ex-device sales) growth
was driven due expansion in GTV
Total Income
47.4
26.5
79.2%
45.5
4.1%
Expenses
55.6
33.2
67.2%
49.9
11.4%
Adjusted EBITDA (ex-ESOP)
(8.2)
(6.8)
NM
(4.3)
NM
Reported Pre-Tax Profit/(Loss) (A)
(11.2)
(9.9)
NM
(7.2)
NM
Adj. EBITDA (Ex-ESOP) loss gap
widened due to decline in take rates
on account of delay in realization of
and
revenue
incremental
part
provisioning in subsidiary and lending
book.
Depreciation and Amortization
2.0
1.5
29.6%
1.9
3.1%
ESOP (B)
1.1
1.6
(35.0)%
0.9
15.9%
Non-GAAP PBT (C) = (A) + (B)
(10.1)
(8.3)
NM
(6.2)
NM
Consolidated Balance Sheet Excerpt (INR Cr)
Sep'23 June'23
QoQ (%)
Gross Loan Book
Cash & Cash Equivalents
135.3
115.4
117.5
15.2%
89.9
28.4%
~15%↑ QoQ
Loan book growth remained steady
as we continued to ramp up the
lending business.
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