Urban Company Limited – Investor Presentation Summary

Key Operational Highlights

  • Net Transaction Value (NTV): ₹2,897 Cr in H1 FY27, representing 40.6% YoY growth
  • Annual Transacting Users: 10.0 million, increased by 2.6M/34.5% YoY
  • Monthly active service partners: 86,834
  • Total cities of operation: 51
  • Average Consumer Rating: 4.78
  • InstaHelp deliveries grew 63% QoQ during Q2 FY27 to reach 6.23 Mn orders

Key drivers of operational performance: Growth led by ATU increase & increasing spends per transacting user, focus on consumer excellence improving NTV retention, and expansion across service categories and geographies.

Segment-wise Performance

Consolidated Performance
  • Net Transaction Value: ₹2,897 Cr (40.6% YoY growth)
  • Revenue from Operations: ₹1,066 Cr (42.6% YoY growth)
  • Adjusted EBITDA: ₹(209) Cr
  • Adjusted EBITDA (ex InstaHelp): ₹97 Cr/3.5% of NTV (+152 bps YoY)
India Consumer Services (Ex InstaHelp)
  • Net Transaction Value: ₹2,018 Cr (27.9% YoY growth)
  • Revenue from Operations: ₹693 Cr (29.8% YoY growth)
  • Contribution Profit: ₹438 Cr (21.7% of NTV)
  • Adjusted EBITDA: ₹107 Cr (5.3% of NTV, +144 bps YoY)
Native
  • Net Transaction Value: ₹251 Cr (42.4% YoY growth)
  • Revenue from Operations: ₹201 Cr (48.7% YoY growth)
  • Gross Margins: 47.8% of revenue
  • Adjusted EBITDA: ₹(18) Cr (-7.0% of NTV, +306 bps YoY)
International (Ex KSA)
  • Net Transaction Value: ₹504 Cr (70.6% YoY growth)
  • Revenue from Operations: ₹140 Cr (82.2% YoY growth)
  • Contribution Profit: ₹90 Cr (17.9% of NTV)
  • Adjusted EBITDA: ₹8 Cr (1.6% of NTV, +244 bps YoY)
InstaHelp
  • Net Transaction Value: ₹124 Cr
  • Revenue from Operations: ₹32 Cr
  • Adjusted EBITDA: ₹(306) Cr
KSA JV
  • Net Transaction Value: ₹171 Cr (144% YoY growth)
  • Revenue from Operations: ₹149 Cr
  • Adjusted EBITDA: ₹(26) Cr (-15% of NTV)

Explanation of significant changes in segment performance: India Consumer Services showed strong margin expansion driven by cost efficiencies and operating leverage. International business demonstrated rapid growth with improving profitability. Native business is moving towards profitability through scale and app-led distribution.

Financial Highlights

Revenue: ₹1,066 Cr

EBITDA: Adjusted EBITDA ₹(209) Cr; Adjusted EBITDA (ex InstaHelp) ₹97 Cr

PAT: Not specified in presentation

EPS: Not specified in presentation

Margins: Adjusted EBITDA (ex InstaHelp) margin 3.5% of NTV (+152 bps YoY); Contribution margin 15.1% of NTV

YoY/QoQ comparison: H1 FY27 vs H1 FY26 - NTV growth 40.6%, Revenue growth 42.6%, Adjusted EBITDA (ex InstaHelp) improved by ₹57 Cr

Drivers of financial performance: Operating leverage, cost efficiencies, and growth across segments

Comparison to market estimates: Not provided

Key Risks: Not explicitly disclosed in presentation

Geographical Revenue Split

Domestic vs Export/Regional Revenue:

  • Domestic (India Consumer Services + Native): ₹2,269 Cr NTV (78.3% of Total)
  • International (UAE, Singapore, KSA): ₹504 Cr NTV (17.4% of Total)
  • InstaHelp: ₹124 Cr NTV (4.3% of Total)

Regional Breakdown: Operations in UAE, Singapore, and KSA (joint venture)

Balance Sheet Snapshot

Net Debt/Equity: Not specified

Reserves: Not specified

Current Assets/Liabilities: Not specified

Working Capital/Leverage Metrics: Not specified

Financial Health Insights: Strong balance sheet with ₹1,901 Cr existing cash and Treasury Investments

Capex & Cash Flow Health

Capital Expenditure: Not specified

Free Cash Flow: Not specified

Operating Cash Flow: Not specified

Net Debt Movement: Not specified

Investment Rationale: Focus on capacity expansion, technology upgrades, and market expansion

Strategic & R&D Initiatives

Investments in Innovation: AI integration across customer support (90% queries resolved by AI), partner operations (80% voice queries resolved by AI), quality control (100% images audited via AI), and commercial operations

Expected impact on growth: AI adoption beginning to show in reported margins with significant headroom ahead

Strategic Rationale: Building a trusted home platform through technology-enabled services and products

Industry Trends & Business Environment

Macro/Industry Trends: Growing urbanization, rising disposable incomes, low online penetration in home services

Impact on Company: Creating significant growth opportunities across all operating markets with household penetration in top 8 cities below 10% across all service categories

Management Commentary & Growth Outlook

Strategic Outlook: Focus on accelerating growth with expanding margins across all business segments

FY Guidance: Not explicitly provided

Market Share Targets: Not explicitly provided

Risks and Opportunities: Continued investment in InstaHelp expected to maintain elevated absolute losses for next few quarters as company prioritizes density in key micro-markets and market leadership

ESG Updates

Key pillars of ESG commitments: Middle-class earnings for service professionals, social protection (life, accidental, health insurance), training & upskilling programs, partner welfare initiatives (Project Udaan, Project Nidar, Cdr. Nishant Singh Scholarship Program), reducing carbon footprint through reuse and repair promotion, ethical supply chain, diverse board (50% independent), improved women representation in leadership, and inclusive platform accessibility.