AvenuesAI Limited – Investor Presentation Summary

Key Operational Highlights

  • Total merchants: 10+ million
  • Q2 FY27 TPV: ₹1.77 trillion, +51% YoY growth
  • Payments NTR: 5.06 bps, -38% YoY
  • Annualized TPV run-rate: ₹10.0 trillion
  • India's digital payments market share: ~8%
  • Employee count: 950+

Key drivers of operational performance: AI-powered transaction orchestration, expanded payment integrations, and international expansion.

Financial Highlights

Q2 FY27 Performance:

  • Gross Revenue: ₹28,792 million, +47% YoY
  • Net Revenue: ₹1,513 million, -1% YoY
  • EBITDA: ₹989 million, +3% YoY
  • PAT: ₹717 million, +6% YoY
  • EBITDA Margin: 65% of Net Revenue
  • PAT Margin: 47% of Net Revenue

H1 FY27 Performance:

  • TPV: ₹3,245 billion, +60% YoY
  • Gross Revenue: ₹55,596 million, +71% YoY
  • Net Revenue: ₹2,988 million, -2% YoY
  • EBITDA: ₹1,989 million, +19% YoY
  • PAT: ₹1,565 million, +24% YoY
  • EBITDA Margin: 67% of Net Revenue
  • PAT Margin: 52% of Net Revenue

FY27 Guidance:

  • Gross Revenue: ₹110,000 – 130,000 million
  • EPS: ₹8.75 – 9.50 (based on post-corporate-action face value of ₹10 per share)

Drivers of financial performance: Growth in transaction processing value, expansion of merchant network, and AI-powered payment optimization.

Strategic & R&D Initiatives

Q2 FY27 Key Developments:

  • Launch of CCAvenue AI Suite under CommerceAI platform including AI Forms, AI Invoicing, and AI-powered Integration
  • Apple Pay integration across entire CCAvenue merchant network for in-store, in-app and online payments
  • Amazon Pay Balance integration providing access to 70+ million customers
  • Visa Payment Passkey integration for biometric authentication replacing passwords/OTPs
  • Partnership with YES BANK to power YES Smart Pay receivables platform
  • Partnership with DCB Bank to extend AI Forms for education fee collection
  • Partnership with Shiprocket to enable faster AI-powered checkout

Investment Rationale: Building AI-native transaction infrastructure, expanding payment method integrations, and deepening bank partnerships.

International Expansion

  • All international businesses outside India to be managed from UAE subsidiary
  • Plans to expand into multiple countries over next 3-5 years
  • Current presence in Middle East since June 2018 (second largest non-bank private player in UAE)

Industry Trends & Business Environment

Macro/Industry Trends: Growth of digital payments, AI adoption in financial services, increasing preference for biometric authentication, expansion of e-commerce enablement platforms.

Impact on Company: Driving TPV growth, enabling new payment integrations, creating opportunities for AI-powered payment optimization and margin expansion.

Management Commentary & Growth Outlook

Strategic Outlook: Transition from payment gateway to AI-native transaction infrastructure with closed-loop consumer + merchant ecosystem.

Growth Strategy: Multi-layer regulated payment licenses, AI-embedded transaction orchestration, operating leverage from automation, and expanding international footprint.