Infibeam Avenues Limited — PPTs, 26-05-2025: Investor Presentation

1. Financial Highlights:

Infibeam Avenues posted Gross Revenue of INR 399.26 Cr and Net Revenue of INR 52.58 Cr in FY25, growing 27% and 25% YoY respectively. EBITDA reached INR 31.21 Cr, up 23%, with a strong margin of 59% of Net Revenue. PAT rose 42% YoY to INR 20.95 Cr, with margins improving to 40%. Q4 showed even stronger momentum: Gross Revenue grew 62% YoY and PAT increased 53%. The company processed a TPV of INR 8.67 trillion, up 23%, while the Payments Net Take Rate expanded to 11.7 bps from 8.2 bps, signaling improved monetization.

2. Strategic Initiatives & Growth Drivers:

A rights issue up to INR 700 Cr will fund expansion of RediffPay (a licensed UPI TPAP), scaling AI infrastructure (Quantum Edge), and global growth. RediffOne is evolving into an integrated SMB platform combining ERP, CRM, HRMS, and payments. Investments in AI include Phronetic.AI for automation and AI agents. New product launches like CCAvenue Smart SoundBox and TapPay (contactless card terminal on Android phones) focus on rapid adoption among Tier 2/3 merchants and micro-entrepreneurs.

3. Business Developments:

Infibeam expanded in the GCC region, particularly Saudi Arabia, securing marquee clients with a SAMA-approved license. BillAvenue extended rural reach via a growing agent network to boost digital utility payments. ResAvenue introduced AI-driven revenue optimization for hospitality clients. Partnerships with Sutex Coop Bank and ESAF Small Finance Bank enhance net banking and direct debit services, strengthening merchant offerings.

4. Market Position & Competitive Advantage:

As India’s first listed fintech with a profitable, scalable omni-channel payments and enterprise commerce model, Infibeam holds ~8% of India’s digital payments market. It ranks among the top three B2B payment gateways in India and second largest non-bank private payment firm in UAE, with 10+ million merchants onboarded and a daily addition rate above 2,000. Over 200 payment options support a diverse payment mix, enabling margin expansion. Leadership in fintech innovation and cloud infrastructure provides a differentiation edge.

5. Investor Implications:

Strong top-line growth, margin expansion, and fresh capital raised for AI and global growth underline positive growth potential. Diversification across payments, enterprise platforms, and international markets, combined with accelerating merchant acquisition, supports scalable expansion. Execution risks around capex and international scaling warrant attention, yet ongoing innovation and market leadership signal durable competitive advantages in India’s dynamic digital payments sector.