AvenuesAI Limited – Investor Presentation Summary

Key Operational Highlights

  • Total Payment Value (TPV) reached ₹1.48 trillion in Q1 FY27, a 74% increase Year-over-Year (YoY).
  • Number of merchants stands at over 10 million.
  • Payments Net Transaction Revenue (NTR) was 5.3 basis points, a 49% decrease YoY.

Key drivers of operational performance:

Strategic volume expansion during peak festive season.

Financial Highlights

  • Gross Revenue: ₹26,804 million, +109% YoY
  • EBITDA: ₹1,000 million, +41% YoY
  • PAT: ₹848 million, +45% YoY
  • EPS: ₹9.42 (not specified if for quarter or annualized)
  • EBITDA Margin: 68% of Net Revenue
  • PAT Margin: 57% of Net Revenue

YoY/QoQ comparison:

  • TPV QoQ: -11% from Q4 FY26 (₹1.655 trillion)
  • Gross Revenue QoQ: +8% from Q4 FY26 (₹24,895 million)
  • Net Revenue QoQ: -1% from Q4 FY26 (₹1,495 million)
  • EBITDA QoQ: +8% from Q4 FY26 (₹923 million)
  • PAT QoQ: -5% from Q4 FY26 (₹890 million)

Drivers of financial performance: Profitable revenue growth with high operating and profitability margins.

Key Risks:

Not Specified

Geographical Revenue Split

Domestic vs Export/Regional Revenue: Not Specified

Balance Sheet Snapshot

Not Specified

Capex & Cash Flow Health

Not Specified

Strategic & R&D Initiatives

Investments in Innovation:

  • Development of fully on-premise AI solutions using Small Language Models (SLMs) via subsidiary PhroneticAI.
  • Plan to enter turnkey AI solutions market through PrivateGPT platform.

Expected impact on growth: Not Specified

Strategic Rationale: To tap the growing demand for private, secure and sovereign enterprise AI solutions; expanding opportunity beyond payments into enterprise-focused AI solutions.

Industry Trends & Business Environment

Macro/Industry Trends: Not Specified

Management Commentary & Growth Outlook

Strategic Outlook: The company is at a structural inflection point, transitioning from a payment gateway to an AI-native transaction infrastructure.

FY Guidance:

  • Gross Revenue forecast: ₹110,000 – ₹130,000 million
  • EPS forecast: ₹8.75 – ₹9.50

Risks and Opportunities: The presentation contains forward-looking statements subject to risks including fluctuations in foreign exchange rates, changes in global economic conditions, competition, and changes in government policies or regulations in India.

Additional Headings

International Expansion:

  • Received In-Principle Approval from the Central Bank of the UAE (CBUAE) for a Retail Payment Services – Category III License for Avenues World FZ LLC.
  • All international businesses outside India to be managed from the UAE subsidiary.
  • Plans to expand into multiple countries over the next 3-5 years.

Regulatory Approvals:

  • Received authorisation from the Reserve Bank of India (RBI) to set up a payment system for the issuance and operation of Prepaid Payment Instruments.

Strategic Investments:

  • Plan to acquire up to 2.5% stake in Ratnaafin Capital (NBFC with lending book exceeding ₹2,000 crore).
  • Approved strategic investment to acquire a 7% minority stake in Online PSB Loans (OPL).