5paisa Capital (5PAISA) investor relations material

Executive summary

• Q1 FY27 revenue grew 14% year-over-year to INR 88.4 crores (₹8,832.92 lakh), with PAT at INR 11.6 crores (₹1,156.94 lakh).

• Customer base expanded to 5.26 million, with app users at 23.8 million and a focus on acquisition and wallet share.

• Strategic investments in AI, product upgrades, and platform revamps are underway to drive differentiation.

• Rights issue raised INR 468 crores, increasing paid-up capital and strengthening the balance sheet for tech, product, and marketing investments.

• Unaudited consolidated and standalone financial results for Q1 FY27 were approved and released following a Board meeting.

Financial highlights

• Gross revenue for Q1 FY27 was ₹884 Mn, up 14% YoY and 3% QoQ; PAT stood at ₹116 Mn, up 8% QoQ and 1% YoY.

• Mutual fund AUM increased 18% quarter-on-quarter to INR 2,073 crores.

• Average client funding book rose 10% quarter-on-quarter to INR 422 crores.

• Revenue per customer and customer lifetime value improved, reflecting focus on quality acquisition.

• Brokerage income declined 6% QoQ but rose 11% YoY; allied broking income grew 4% QoQ and 20% YoY.

Outlook and guidance

• Management expects growth acceleration from Q2 onwards, following a moderation in Q1 due to market volatility.

• Focus on experience-led growth, AI-driven transformation, and organic expansion in FY27.

• Continued investment in technology, product acceleration, and customer experience enhancement.

• Management expressed confidence in a favorable outcome regarding the ongoing income tax appeal.

• Long-term market opportunity in India remains robust, with ongoing financialization and retail participation.