Slides
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Financial Performance Quarter 3, Financial Year 2025 Providing digital payments technology across financial value chain
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NPST- Current Story Payments Landscape Growth Levers Financials Agenda
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Integrated banking and UPI payment products for: Modernizing payment infrastructure - driving innovation and efficiency • Banks • Third-Party Application Providers (TPAP) • Payment Aggregators • Fintech • NBFC • UPI/IMPS/CBDC • Banking Super App • Bill Direct • PPaaS • Qynx (QR and Soundbox) • UPI Credit Line • Improve cost and revenue efficiency for customers • Building new monetization models Enhanced Business Value Empowering Modern Payments Over a decade of experience delivering cutting-edge technology • 11 years in business • 17+ banks • 100+ customers • 50 M daily transactions Industry Expertise & Innovation Comprehensive Suite of Solutions Leverage wide experience to enable customers tap new value pools NPST: Leading PayTech Company
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Across financial value chain #1 Sole Provider CAGR 2020-24 126% Net Profit Growth 10+ Product Portfolio 17+ Banks 2M+ Bank Merchants 18B+ Transactions Annually 100+ Customers 800+ Merchant Locations 300+ Domain Experts Pan-India Strong Market Position Across Our Segments
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Merchant Switch Geeta makes a purchase The point-of-sale terminal (or online gateway) sends Geeta’s payment credentials to the merchant's acquiring software Once confirmed, the bank sends an approval message back to the network, which then sends the approval to the merchant (funds settlement will occur later) The acquiring software routes the message to NPCI The network sends this message to Geeta’s bank (also called the issuing bank) The issuing Switch at Geeta’s bank receives the financial message, ensures the credentials are valid, identifies the customer and verifies funds Geeta pays a utility bill Geeta NPCI ACQUIRING BANK ISSUING BANK Biller BankSwitch 1 1 2 3 6 4 5 NPST Positioned At The Centre Of Payment Flows
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Market Opportunity & Business Growth Plan
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Source : PWC India Payment Handbook 2024-2029 • P2P • P2M • QR Payments • Inward Cross Border Transfers • Corporate Payments • Mandates • UPI Lite • Bill Payment • UPI Auto Top-Up • Contextual Payments • UPI Credit Card • Credit Line on UPI • UPI Circle • UPI Prepaid • IOT Payments • ONDC • UPI International • TRED Payments UPI Transaction volume - 2029 UPI Transaction value - 2029 439 Billion 483 INR Trillion • 2016 - 2018 • 2018 - 2022 • 2023 - 2025 • 2026 - 2029 UPI Transaction volume UPI Transaction value - 2025 190.2 Billion 275 INR Trillion UPI Transaction volume 2025 The Payments Opportunity Is Significant
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R NEW OPPORTUNITIES AND CHALLENGES REGULATORY ECONOMIC TECHNOLOGY Open Banking Digital Push – Make in India Cloud, Micro-Services API ONDC Smart Cities EmbeddedIntelligence Data Privacy Laws New Business Models-- Subscription economy IOT and AI Nationalism – Data Localization, National Interchanges Rural Expansion and Vikshit Bharat Digital Currencies UPI GlobalCybersecurity and identity Market Trends Shaping Our Opportunity Fueled by regulation, macro-economics and technology trends
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Strengthen the core Scale new Verticals Move at Speed Our Strategy For Momentum And Growth
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Previous Current Bank Payment Aggregator Payment Aggregator Bank 1 Bank 2 Bank 3 Payment Aggregator Payment Aggregator Evok Platform Evok Platform MSS FRM Analytics Settlement Reconciliation Disputes Compliance Device Mgt MSS Settlement Digital OnboardingReconciliation Disputes Payin Payout Autopay SDK Payin Strengthen The Core
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Payment Processing NFC Devices RegTech UPI Credit Line Qynx QR and SoundBox Banks, PAs BBPS Billers Consumers and Agents Banks, PAs, Regulators, Merchants Risk Intelligence Decisioning Platform Banks Payment Aggregators and Fintechs Instant Credit /B2C & B2B Banks, Pas, ERP Players, Merchants Evok 4.0, BBPS, Digital Currency Market: $5 B Market: $37 B Market: $250M Banks, PAs, TPAPs, Fintechs NBFCs Product Total Estimated Annual Market Market & Segments BBPS Early stage of launch Pilot Phase Status Pilot Phase Initial phase of Revenue Generation Revenue Generating Levers To Broaden Revenue Growth New product offering and target segments Market: $2 B Market: $11.4 B
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Field Agent Bank Branch • Merchant App • QR & Soundbox Bank Headqarters Operations Portal Merchant Support Portal Switch TMQQ Branch Portal Device Estate Mgt Partner Mgt Agent App QynX - Merchant Switch & Offline Acquiring Platform
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74K Merchants Migrated Bank and Fintech Portal Merchant Mobile App QR Pay/ Soundbox Merchant KYC Solution 800+ Locations Fully Managed Services50,000 Soundboxes Customer Success – From 1K– 50K Sound Boxes Offline merchant acquiring creates a steady revenue stream
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360 Degree Data Transaction Volume Transaction Value Time Day Geo Location MCC Category Digital Identity Merchant Documentation Digital Crumbing Third Party Databases Aggregate Real Time Analysis Transaction Velocity Synthesize Analyze Incremental Learning AI & ML Predictive Fraud Detection Merchant Trust Score Chargeback Fraud Merchant Holistic Registry Transaction Trust Score RIDP – Building Guardrails Against Fraud
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Only 10% of small businesses have access to formal credit ✓ Consumers ✓ On Demand Credit ✓ Point of Sale Credit ✓ Post Purchase Credit ✓ Credit Line Switch ✓ Customer Onboarding ✓ Risk Management ✓ Collections ✓ Default Management ✓ Reconciliation ✓ APIs ✓ Working Capital loans ❖ 63 Million micro ❖ 3,30,000 small ❖ 5, 000 medium 63.3 Million MSMEs B2C B2B 100 Million 500 Million Credit Cards Super-Prime Consumer Finance Penetration Rate Personal Income Group Prime Near Prime Sub-Prime Thin Filers UPI Users Banks E-commerce affiliated finance companies P2PL Payday Loan Lenders Credit Is An Emerging Opportunity Target Large Pool Of Credit-hungry Customers
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Partners with NSDL Payments Bank to enhance payout services, streamlining transactions and merchant operations. Wins Frost & Sullivan's 'Company of the Year 2024' award in Payments Technology, recognizing its innovation in digital banking. Launched UPI Credit Line for the fifth largest PSU bank in the country . Received incremental orders for Qynx from multiple banks Received pilot order from Bank of Maharashtra for QynX Ventured into the Middle East market – Received technology services order Launched AI-ML based RegTech Solution for payment platforms Received BBPS Certification from NPCI as TSP Business Updates
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Financial Q3 & 9M Results
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Particulars 9M FY25 9M FY24 YoY Growth Total Income 152.46 85.40 78.53% EBITDA 55.71 28.40 96.15% EBITDA (%) 36.54% 33.26% 328 BPS Net Profit 38.90 16.69 133.08% Net Profit (%) 25.52% 19.54% 597 BPS Basic EPS (₹)* 20.07 8.61 133.10% 33.26% 19.54% 36.54% 25.52% EBITDA % Net Profit % 9M FY24 9M FY25 In ₹ Cr All Figures In ₹ Cr & Margin in % 85.40 28.40 16.69 152.46 55.71 38.90 Total Revenue EBITDA Net Profit 9M FY24 9M FY25 NPST Surpassed FY24 Revenues In Just 9M FY25, Highlighting Strong Growth Momentum. 9M FY25 Consolidated Key Financial Highlights
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Particulars Q3 FY25 Q3 FY24 YoY Growth Total Income 23.23 32.08 -27.57% EBITDA 8.21 10.99 -25.30% EBITDA (%) 35.33% 34.26% 108 BPS Net Profit 5.13 6.53 -21.38% Net Profit (%) 22.10% 20.36% 174 BPS Basic EPS (₹)* 2.65 3.37 -21.36% 34.26% 20.36% 35.33% 22.10% EBITDA % Net Profit % Q3 FY24 Q3FY25 In ₹ Cr All Figures In ₹ Cr & Margin in % 32.08 10.99 6.53 23.23 8.21 5.13 Total Revenue EBITDA Net Profit Q3 FY24 Q3FY25 Q3 FY25 Consolidated Key Financial Highlights
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Particulars 9M FY25 9M FY24 YoY Growth Total Income 152.26 85.36 78.36% EBITDA 55.69 28.39 96.17% EBITDA (%) 36.58% 33.26% 332 BPS Net Profit 38.90 16.68 133.18% Net Profit (%) 25.55% 19.54% 601 BPS Basic EPS (₹)* 20.06 8.61 132.98% 33.26% 19.54% 36.58% 25.55% EBITDA % Net Profit % 9M FY24 9M FY25 In ₹ Cr All Figures In ₹ Cr & Margin in % 85.36 28.39 16.68 152.26 55.69 38.90 Total Revenue EBITDA Net Profit 9M FY24 9M FY25 NPST Surpassed FY24 Revenues In Just 9M FY25, Highlighting Strong Growth Momentum. 9M FY25 Standalone Key Financial Highlights
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Particulars Q3 FY25 Q3 FY24 YoY Growth Total Income 23.15 32.07 -27.81% EBITDA 8.19 10.98 -25.44% EBITDA (%) 35.38% 34.25% 113 BPS Net Profit 5.12 6.53 -21.58% Net Profit (%) 22.11% 20.35% 176 BPS Basic EPS (₹)* 2.64 3.37 -21.66% 34.25% 20.35% 35.38% 22.11% EBITDA % Net Profit % Q3 FY24 Q3FY25 In ₹ Cr All Figures In ₹ Cr & Margin in % 32.07 10.98 6.53 23.15 8.19 5.12 Total Revenue EBITDA Net Profit Q3 FY24 Q3FY25 Q3 FY25 Standalone Key Financial Highlights
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Particulars Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 Total Income 28.42 32.07 44.71 60.19 68.99 23.15 Income Growth (Q-o-Q) 14.26% 12.82% 39.43% 34.47% 14.75% -66.45% EBITDA 9.50 10.98 15.31 22.15 25.35 8.19 EBITDA Growth (Q-o-Q) 20.30% 15.61% 39.44% 44.68% 14.45% -67.69% EBITDA Margin (%) 33.42% 34.24% 34.24% 36.80% 36.75% 35.38% Net Profit 5.00 6.53 10.02 15.62 18.16 5.12 Net Profit Growth (Q-o-Q) -2.97% 30.49% 53.53% 55.89% 16.26% -71.82% Net Profit Margins (%) 17.60% 20.35% 22.41% 25.94% 26.32% 22.11% EPS (₹) 2.58 3.37 5.17 8.06 9.36 2.64 EPS Growth (Q-o-Q) -2.97% 30.49% 53.57% 55.90% 16.13% -71.79% All Figures In ₹ Cr & Margin in % Standalone Quarter On Quarter Key Metrics Comparison
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Management Overview
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Mr. Deepak Chand Thakur Mr. Ashish Aggarwal Ms. Savita Vashist Chairman & Managing Director Joint Managing Director Executive Director Deepak Thakur, CEO and Managing Director of NPST Ltd., has over 20 years of experience in strategy management within the FinTech sector. He excels in business development and product innovation, earning numerous awards for the company during his tenure. Ashish Aggarwal, Joint Managing Director of NPST Ltd., with over 21 years of experience in finance, administration, and accounting within the IT industry. He is a member of the Institute of Chartered Accountants of India and the Institute of Cost and Works Accountants of India. Savita Vashist, Executive Director at NPST Ltd., has over 20 years of sales and marketing experience, specializing in new business development and technology solutions across North America and Europe. Her strategic approach has earned her numerous accolades and awards. Co-Founders and Board Of Directors
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Mr. Abhishek Mishra Mrs. Panchi Samuthirakani Mr. Ram Rastogi Independent Director Independent Director Independent Director Abhishek Mishra brings over 16 years of experience in finance, compliance, and industry-specific advisory services to the NPST Ltd. Board. He is a distinguished member of several professional organizations, including the Institute of Chartered Accountants of India and the IBBI. Panchi Samuthirakani has over 27 years of experience in banking technology, cybersecurity, and cyber forensics. She specializes in designing payment systems and information security for fintech, and is a recognized expert at technology forums. Ram Rastogi is a veteran banker with 30 years of experience in digital payments. As Chairman of the Fintech Association for Consumer Empowerment, he has significantly contributed to key payment systems like IMPS and UPI. Board Of Directors
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Financial Overview
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85.40 152.46 9M FY24 9M FY25 Total Income 28.40 55.71 9M FY24 9M FY25 EBITDA 16.69 38.90 9M FY24 9M FY25 Net Profit 9M FY25 Consolidated Performance Highlights All Figures In ₹ Cr & Margin in %
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Particulars 9M FY25 9M FY24 Y-O-Y Revenues 146.85 83.83 Other Income 5.61 1.57 Total Income 152.46 85.40 78.53% Raw Material costs 50.54 28.71 Employee costs 35.60 22.60 Other expenses 10.62 5.70 Total Expenditure 96.76 57.00 EBITDA 55.71 28.40 96.15% EBITDA % 36.54% 33.26% 328 BPS Finance Costs 0.01 0.02 Depreciation 3.81 6.01 PBT 51.88 22.37 Tax 12.97 5.68 Net Profit 38.90 16.69 133.08% Net Profit % 25.52% 19.54% 597 BPS Basic EPS (After Adjusting Bonus Share) 20.07 8.61 133.10% All Figures In ₹ Cr & Margin in % 9M FY25 Consolidated Result Highlights
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85.36 152.26 9M FY24 9M FY25 Total Income 28.39 55.69 9M FY24 9M FY25 EBITDA 16.68 38.90 9M FY24 9M FY25 Net Profit 9M FY25 Standalone Performance Highlights All Figures In ₹ Cr & Margin in %
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Particulars 9M FY25 9M FY24 Y-O-Y Revenues 146.82 83.80 Other Income 5.44 1.56 Total Income 152.26 85.36 78.36% Raw Material costs 50.59 28.70 Employee costs 35.54 22.58 Other expenses 10.43 5.69 Total Expenditure 96.56 56.97 EBITDA 55.69 28.39 96.17% EBITDA % 36.58% 33.26% 332 BPS Finance Costs 0.01 0.02 Depreciation 3.81 6.01 PBT 51.87 22.36 Tax 12.97 5.68 Net Profit 38.90 16.68 133.18% Net Profit % 25.55% 19.54% 600 BPS Basic EPS (After Adjusting Bonus Share) 20.06 8.61 132.98% All Figures In ₹ Cr & Margin in % 9M FY25 Standalone Result Highlights
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31.39 21.24 Q3 FY24 Q3 FY25 Total Income 10.99 8.21 Q3 FY24 Q3 FY25 EBITDA 6.53 5.13 Q3 FY24 Q3 FY25 Net Profit Q3 FY25 Consolidated Performance Highlights All Figures In ₹ Cr & Margin in %
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Particulars Q3 FY25 Q3 FY24 Y-O-Y Revenues 21.24 31.39 Other Income 1.99 0.68 Total Income 23.23 32.08 -27.57% Raw Material costs 3.37 10.67 Employee costs 9.13 8.18 Other expenses 2.52 2.24 Total Expenditure 15.02 21.09 EBITDA 8.21 10.99 -25.30% EBITDA % 35.33% 34.26% 108 BPS Finance Costs 0.00 0.01 Depreciation 1.40 2.23 PBT 6.81 8.76 Tax 1.67 2.23 Net Profit 5.13 6.53 -21.38% Net Profit % 22.10% 20.36% 174 BPS Basic EPS (After Adjusting Bonus Share) 2.65 3.37 -21.36% All Figures In ₹ Cr & Margin in % Q3 FY25 Consolidated Result Highlights
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32.07 23.15 Q3 FY24 Q3 FY25 Total Income 10.98 8.19 Q3 FY24 Q3 FY25 EBITDA 6.53 5.12 Q3 FY24 Q3 FY25 Net Profit Q3 FY25 Standalone Performance Highlights All Figures In ₹ Cr & Margin in %
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Particulars Q3 FY25 Q3 FY24 Y-O-Y Revenues 21.22 31.39 Other Income 1.92 0.68 Total Income 23.15 32.07 -27.81% Raw Material costs 3.37 10.68 Employee costs 9.14 8.17 Other expenses 2.45 2.23 Total Expenditure 14.96 21.08 EBITDA 8.19 10.98 -25.44% EBITDA % 35.38% 34.25% 113 BPS Finance Costs 0.00 0.01 Depreciation 1.40 2.23 PBT 6.79 8.75 Tax 1.67 2.23 Net Profit 5.12 6.53 -21.58% Net Profit % 22.11% 20.35% 176 BPS Basic EPS (After Adjusting Bonus Share) 2.64 3.37 -21.66% All Figures In ₹ Cr & Margin in % Q3 FY25 Standalone Result Highlights
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All Figures In ₹ Cr 15.25 15.27 19.49 41.13 130.08 FY20 FY21 FY22 FY23 FY24 Total Income 2.29 3.00 3.81 12.38 43.70 FY20 FY21 FY22 FY23 FY24 EBITDA 1.03 1.07 1.49 6.52 26.71 FY20 FY21 FY22 FY23 FY24 Net Profit Key Financial Highlights – FY24
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Particulars FY22 FY23 FY24 Revenues 19.16 40.79 127.51 Other Income 0.33 0.34 2.57 Total Income 19.49 41.13 130.08 Raw Material costs -1.28 12.5 46.76 Employee costs 6.57 12.72 31.30 Other expenses 10.39 3.53 8.32 Total Expenditure 15.68 28.75 86.38 EBITDA 3.81 12.38 43.70 EBITDA % 19.94 % 30.10 % 33.59% Finance Costs 0.05 0.01 0.03 Depreciation 1.78 3.63 8.30 PBT 1.97 8.73 35.37 Tax 0.48 2.21 8.67 Reported Net Profit 1.49 6.52 26.71 Net Profit % 7.78 % 15.85 % 20.53% Profit & Loss Statement – FY24 All Figures In ₹ Cr & Margin in %
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Equities & Liabilities FY22 FY23 FY24 Equity 6.46 6.46 19.39 Reserves 15.59 22.11 38.14 Net Worth 22.05 28.57 57.52 Non-current Liabilities Long-term borrowing 0.00 0.14 0.07 Deferred tax Liabilities 0.00 0.00 0.00 Other long terms Liabilities 0.14 0.18 0.23 Long-term provision 0.85 1.04 1.49 Total Non-Current Liabilities 0.99 1.36 1.79 Current Liabilities Short-term borrowings 0.00 0.07 0.07 Trade payables 4.22 0.83 3.85 Other Current Financial Liabilites 0.00 0.00 0.00 Other current liabilities 2.92 8.09 12.18 Short-term provision 0.12 0.08 0.63 Total Current Liabilities 7.26 9.07 16.73 Total Liabilities 30.30 39.00 76.05 Assets FY22 FY23 FY24 Non Current Assets Fixed assets 10.62 13.06 6.94 Non-current investments 0.01 0.77 4.26 Long Term Loans & Advances 0.88 0.01 1.81 Other non-current assets 0.28 0.31 1.35 Total Non Current Assets 11.79 14.15 14.35 Current Assets Inventories 2.73 2.99 0.51 Trade receivables 4.99 0.89 0.98 Cash & Bank Balance 0.97 19.31 58.41 Short Term Loans & Advances 0.76 0.71 0.44 Current Tax Assets (Net) 0.00 0.00 0.00 Other current assets 9.06 0.95 1.35 Total Current Assets 18.52 24.85 61.69 Total Assets 30.31 39.00 76.05 Balance Sheet – FY24 All Figures In ₹ Cr & Margin in %
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Particulars FY22 FY23 FY24 Cashflow from Operations -7.44 12.01 43.05 Cashflow from Investments -5.49 -5.73 -3.86 Cashflow from Financing 13.45 0.19 -0.09 Net Cash flow 0.53 6.47 39.10 Opening Cash & Cash Equivalent 0.44 0.97 19.31 Closing Cash & Cash Equivalent 0.97 7.44 58.41 Cash Flow Statement – FY24 All Figures In ₹ Cr & Margin in %
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Key Ratios – FY24 2.31 10.09 13.78 FY22 FY23 FY24 Adjusted EPS 11.37 14.74 29.67 FY22 FY23 FY24 Adjusted Book Value 19.89 30.1 33.59 7.78 15.85 20.53 FY22 FY23 FY24 Profit Margins EBITDA PAT 10.37 22.82 46.43 13.92 30.44 61.47 FY22 FY23 FY24 Return Ratios ROE ROCE 712.78 219.33 62.11 FY22 FY23 FY24 EV/EBITDA In TimesIn % In % In ₹ In ₹ 2.17 2.41 3.66 FY22 FY23 FY24 Quick Ratio In Times
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Share Holding Pattern NSE: NPST ISIN: INE0FFK01017 Note: 5:1 Stock Split. Record date – 6th October, 2023. Share Performance From 10 August 2021 Till Date 68% 32% 0.2% Promoter & Promoter Group Public FII Share Price (₹) 2,201.00 Market Capitalization (₹ Cr) 4,267.72 No. of Shares Outstanding 1,93,86,000 Face Value (₹) 10.00 52-week High-Low (₹) 3,577.00 – 1,024.15 As on 13-02-2025 As on 30-09-2024 79.90 2,201.00 0 50000 100000 150000 200000 250000 300000 350000 0.00 1000.00 2000.00 3000.00 4000.00 10-Aug-2021 23-Aug-2021 06-Sep-2021 17-Sep-2021 04-Oct-2021 18-Oct-2021 12-Nov-2021 30-Nov-2021 21-Dec-2021 13-Jan-2022 07-Feb-2022 24-Feb-2022 31-Mar-2022 02-May-2022 17-May-2022 27-May-2022 14-Jun-2022 06-Jul-2022 27-Jul-2022 12-Aug-2022 25-Aug-2022 07-Sep-2022 20-Sep-2022 12-Oct-2022 31-Oct-2022 17-Nov-2022 29-Nov-2022 14-Dec-2022 27-Dec-2022 06-Jan-23 18-Jan-23 31-Jan-23 16-Feb-23 28-Feb-23 13-Mar-23 23-Mar-23 06-Apr-23 21-Apr-23 04-May-23 17-May-23 30-May-23 09-Jun-23 21-Jun-23 05-Jul-23 19-Jul-23 31-Jul-23 10-Aug-23 24-Aug-23 06-Sep-23 18-Sep-23 29-Sep-23 12-Oct-23 25-Oct-23 06-Nov-23 16-Nov-23 29-Nov-23 11-Dec-23 21-Dec-23 03-Jan-24 15-Jan-24 25-Jan-24 07-Feb-24 19-Feb-24 29-Feb-24 12-Mar-24 22-Mar-24 05-Apr-24 19-Apr-24 02-May-24 14-May-24 24-May-24 05-Jun-24 18-Jun-24 28-Jun-24 10-Jul-24 23-Juk-24 02-Aug-24 14-Aug-24 27-Aug-24 06-Sep-24 18-Sep-24 30-Sep-24 11-Oct-24 23-Oct-24 04-Nov-24 14-Nov-24 28-Nov-24 10-Dec-24 20-Dec-24 02-Jan-25 14-Jan-25 24-Jan-25 04-Feb-25 Volume Price Source - NSE Note: 2:1 Bonus Issue, Record date – 2nd February 2024. Stock Data
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Investment Rationale Strong Financial Performance: Company’s revenue stands at ₹ 127.19 Cr in FY24 as compared to ₹ 19.17 Cr in FY22, showing a CAGR of 88.10% has consistently demonstrated strong revenue growth, driven by increasing demand for its digital payment solutions and platform- as-a-service offerings. Outstanding Returns: With effective cost management and a scalable business model, NPST Net Profit has achieved CAGR growth of 126% from FY20 to FY24, ensuring sustained profitability for the company. Trusted Partnerships & New Onboarding: NPST has established strong partnerships with leading banks and financial institutions, enabling it to deliver reliable, scalable, and secure digital payment platforms across India. Leadership Members Company is focused on developing leaders and enhancing its workforce, adding senior leaders in marketing, HR, and sales. Focus on creating a value-driven organization with a strong culture and strategic planning for the next 5-7 years. Technological Advancements: ▪ Introduced new initiatives like BBPS, super apps for RRBs, payment platform for BFSI and Fintech. ▪ Introduced Evok 3.0 an advanced Payment Platform-as-a-Service. ▪ Emphasis on developing core payment processing IP and solutions. Growing Digital Payment Market: India’s rapidly expanding digital payment market offers substantial growth potential, and NPST is well-positioned to capture a larger market share with its innovative solutions. Global Fintech Exposure: ▪ NPST’s innovative product launches in major fintech events, such as the Global Fintech Fest 2024, highlight its leadership role in the fintech space and its commitment to staying at the cutting edge of digital payment innovation.
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Thank You!