EPE Capital Partners (EPE) Optasia Investor Day 2025 summary

Strategic direction, vision, and business model

• Focuses on AI-driven credit solutions and a fully integrated B2B2X fintech platform, leveraging proprietary technology and deep data analytics to provide unsecured microloans, airtime advances, and data monetization through partnerships with telcos and financial institutions.

• Operates a B2B2X white-label model, serving over 900 million accessible network members and 120 million current customers across 42 countries, with 50 distribution partners.

• Maintains significant competitive barriers through 160 patents, proprietary in-house technology, and a highly skilled data science team.

• Revenue diversification has increased, with Nigeria's contribution dropping from 50% in 2019 to 12% in December 2024, and top five countries now accounting for 60% of revenue.

• Strategic shift away from Nigeria as the dominant revenue source, with South Africa now the largest market and rapid expansion in Asia targeted for future growth.

Financial performance and growth outlook

• Achieved $20 billion in total lending, 58 billion credit decisions to date, and current monthly distribution exceeding $380 million, with high loan repeat rates.

• Constant currency revenue CAGR reached 35% from 2022 to 2024, with $226M in 2024 and a 60% EBITDA margin; reported revenue CAGR was 11% due to FX losses, with a 51% EBITDA margin.

• Microfinance lending is growing at 15% per month, with market penetration at 0.1% and a target of 1% by next year; micro-financing advances grew at 140% CAGR (constant currency).

• Airtime credit advances grew at a 16% CAGR (2022–2024), with 55% of 2024 revenue from airtime credit and 44% from micro-financing.

• Default rates remain low: 0.7% for airtime credit and 1.4% for micro-financing in 2024, with robust coverage ratios and downside protection.

Technology, risk management, and operational excellence

• AI and machine learning models process over 5,000 data elements per user, generating 100,000 features and 100+ analytics models, enabling rapid deployment and continuous improvement of credit scoring.

• Delivers 30 million+ credit decisions daily, with dynamic risk management and new scorecards developed in 48 hours.

• Loans are short-term, low-value, and diversified across geographies and partners, reducing concentration risk.

• Data privacy and security are prioritized, with all customer data stored locally and strict compliance with GDPR and local regulations.

• Staff turnover is minimal at senior levels, with core technology safeguarded by a small, incentivized team of shareholders.