Q2 2025 One 97 Communications Ltd Earnings Call Transcript
Key Points
- One97 Communications Ltd (BOM:543396) reported a significant improvement in net payment margin due to better monetization of merchants and control over payment gateway costs.
- The company is focusing on increased monetization of devices, particularly through subscription revenues, which have been inching upwards.
- The DLG model is expected to generate higher collection revenue over the life of the loan, with a net take rate north of 5%.
- One97 Communications Ltd (BOM:543396) has successfully added new lending partners, which is expected to scale the personal loan distribution business.
- The company has achieved a material reduction in costs, particularly in employee expenses, and is exploring AI-driven opportunities for further optimization.
- The DLG model creates a bit of a drag on financials in the initial quarters due to upfront expensing of DLG costs.
- There is some quarterly volatility expected in net payment margins due to seasonal factors like festive periods.
- The company is still in the early stages of scaling new lending partners, which may delay the expected growth in personal loan distribution.
- One97 Communications Ltd (BOM:543396) has not yet provided a clear framework for the use of excess cash or potential cash returns to shareholders.
- The company faces regulatory challenges and market practices that could impact the implementation and profitability of the DLG model.
Thank you for joining and welcome to PTMS. Earnings call to discuss our financial results for the quarter ending on September 30th 2024. We will start our call with Q&A after the introduction to the management, I request the participants to utilize raise hand feature in your Zoom dashboard. If you seek to ask a question from PTMS management, we have with us Mr Vijay Shekhar Sharma founder and CEO Mister Maura President and Group co and Mr Anuj Mittal SVP Investor Relations.
A few standard announcements before we begin the information to be presented and discussed here should not be recorded, reproduced or distributed in any manner. Some statements made today may be forward-looking in nature. Actual events may differ materially from those anticipated in such forward-looking statements. Finally, this earnings call is scheduled for 60 minutes. A replay of this earnings call and transcript will be made available on the company's website. Subsequently, we'll start our Q&A now kindly utilize raise hand feature on your Zoom dashboard. If you seek to ask a question, please ensure that your name is
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