Podcast
Questions and Answers
What is the combined impact of the three specific projects mentioned?
What is the combined impact of the three specific projects mentioned?
What is the primary reason for the increase in DSO days?
What is the primary reason for the increase in DSO days?
Which sector is expected to grow significantly due to changes in the business mix?
Which sector is expected to grow significantly due to changes in the business mix?
What is one of the significant bets being made for future growth?
What is one of the significant bets being made for future growth?
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How has the government side of the business been described?
How has the government side of the business been described?
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What time frame is being referred to for the expected improvements in DSO days?
What time frame is being referred to for the expected improvements in DSO days?
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What aspect of corporate banking is viewed as a major area of transformation?
What aspect of corporate banking is viewed as a major area of transformation?
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Which aspect does the discussion suggest is being prioritized in the upcoming fiscal year?
Which aspect does the discussion suggest is being prioritized in the upcoming fiscal year?
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What was the initial work order value for the relationship discussed?
What was the initial work order value for the relationship discussed?
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Which strategic partnership was noted for the successful deployment of the product at a large bank?
Which strategic partnership was noted for the successful deployment of the product at a large bank?
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What type of cards is Aurionpro expected to establish itself as a leading provider of?
What type of cards is Aurionpro expected to establish itself as a leading provider of?
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What segment demonstrated promising trends according to the content?
What segment demonstrated promising trends according to the content?
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Which key acquisition is mentioned as enhancing Aurionpro's offerings in the AI space?
Which key acquisition is mentioned as enhancing Aurionpro's offerings in the AI space?
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What impact is expected from the strategic partnerships with global FinTech majors?
What impact is expected from the strategic partnerships with global FinTech majors?
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What does the mention of 'the uniqueness and success of the partnership strategy' imply?
What does the mention of 'the uniqueness and success of the partnership strategy' imply?
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What is the significance of the $5 million open loop card issuance order from the Government of Haryana?
What is the significance of the $5 million open loop card issuance order from the Government of Haryana?
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What percentage range does Ashish Rai estimate that their products are currently integrated with AI models?
What percentage range does Ashish Rai estimate that their products are currently integrated with AI models?
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What is the primary strategy Ashish Rai mentions for their enterprise application stack?
What is the primary strategy Ashish Rai mentions for their enterprise application stack?
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According to Ashish Rai, where does significant value get created in terms of AI technology?
According to Ashish Rai, where does significant value get created in terms of AI technology?
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What revenue number did APAC reportedly generate compared to the previous quarter?
What revenue number did APAC reportedly generate compared to the previous quarter?
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What type of transactions were mentioned as having occurred in APAC during the previous quarter?
What type of transactions were mentioned as having occurred in APAC during the previous quarter?
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What is the market focus that Ashish Rai comments on regarding enterprise AI offerings?
What is the market focus that Ashish Rai comments on regarding enterprise AI offerings?
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What does Ashish Rai imply contributes significantly to their future plans for product integration?
What does Ashish Rai imply contributes significantly to their future plans for product integration?
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What was a key consideration when assessing the performance of APAC as mentioned by Vimal Gohil?
What was a key consideration when assessing the performance of APAC as mentioned by Vimal Gohil?
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What was the year-on-year revenue growth for FY24?
What was the year-on-year revenue growth for FY24?
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What was the EBITDA margin for the full year in FY24?
What was the EBITDA margin for the full year in FY24?
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What is the expected revenue growth for FY25?
What is the expected revenue growth for FY25?
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What significant financial action did the Board authorize alongside the dividend payout?
What significant financial action did the Board authorize alongside the dividend payout?
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Which bank was mentioned as a key win for the business in the banking segment?
Which bank was mentioned as a key win for the business in the banking segment?
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What are the expected EBITDA margins for FY25?
What are the expected EBITDA margins for FY25?
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Who was the first to ask a question during the Q&A session?
Who was the first to ask a question during the Q&A session?
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What was the growth rate of PAT (Profit After Tax) for FY24?
What was the growth rate of PAT (Profit After Tax) for FY24?
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What was the revenue of Arya.ai mentioned in the discussion?
What was the revenue of Arya.ai mentioned in the discussion?
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What type of partnerships has the company been focusing on in the FinTech space?
What type of partnerships has the company been focusing on in the FinTech space?
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What percentage of stake was initially acquired in Arya.ai?
What percentage of stake was initially acquired in Arya.ai?
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What was the reported value of the order with the State Bank of India for iCashpro+?
What was the reported value of the order with the State Bank of India for iCashpro+?
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What is the primary focus of the organization moving forward?
What is the primary focus of the organization moving forward?
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What was the total EBITDA for FY24?
What was the total EBITDA for FY24?
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What does PAT stand for in the context of financial metrics mentioned?
What does PAT stand for in the context of financial metrics mentioned?
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What was one key factor driving the valuations for Arya.ai?
What was one key factor driving the valuations for Arya.ai?
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What is the anticipated growth rate for the upcoming year?
What is the anticipated growth rate for the upcoming year?
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Which aspect does Karthik Iyer express concern about regarding future growth?
Which aspect does Karthik Iyer express concern about regarding future growth?
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What was the size of the business three years ago?
What was the size of the business three years ago?
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What is the current business size being clocked?
What is the current business size being clocked?
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What does Ashish Rai identify as the primary challenge for the business?
What does Ashish Rai identify as the primary challenge for the business?
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What approach does Ashish mention to handle scaling the business?
What approach does Ashish mention to handle scaling the business?
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Which of the following is highlighted as a risk of pushing for rapid growth?
Which of the following is highlighted as a risk of pushing for rapid growth?
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How much additional growth potential does Ashish believe exists if they push aggressively?
How much additional growth potential does Ashish believe exists if they push aggressively?
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Study Notes
Combined Impact of Projects
- The text doesn't specify the three projects mentioned but discusses their combined impact on revenue and other key metrics.
DSO Increase
- Rise in DSO days is attributed to the significant increase in large ticket size projects, which usually have longer payment cycles.
Sector Growth
- The banking sector is indicated to experience significant growth as the company shifts its core business mix towards enterprise AI.
Future Growth Bets
- One significant bet for future growth is the focus on enterprise solutions for AI, leveraging strategic partnerships with global FinTech majors.
Government Business Description
- While the text doesn't explicitly describe the "government side" of the business, it mentions a $5 million open loop card issuance order from the Government of Haryana, indicating their presence in the government sector.
DSO Improvement Time Frame
- The text doesn't mention a specific time frame for expected DSO improvements, but it implies a positive trend with the focus on accelerating digital operations and payments.
Corporate Banking Transformation
- The text suggests that corporate banking is a major area of transformation, focusing on digitalization and innovation. This includes efforts to create more streamlined processes, enhanced customer experiences, and an increased focus on the use of AI and digital tools within the banking segment.
Fiscal Year Prioritization
- The text doesn't explicitly state prioritization for the upcoming fiscal year, but it discusses efforts to ramp up their enterprise AI offerings and strategically acquire new customers and partnerships in the area of Fintech and Banking.
Work Order Value
- The text doesn't mention the initial work order value for any specific relationship discussed.
Strategic Partnership
- The content mentions a strategic partnership with a large bank for the successful deployment of Aurionpro's product, but doesn't specify the name of the bank.
Leading Provider of Cards
- Aurionpro is expecting to become a leading provider of prepaid and open loop cards.
Promising Segment
- The enterprise AI segment is showing promising trends, contributing to the overall revenue growth of the business.
Acquisition in AI Space
- The text mentions the acquisition of Arya.ai, a company specializing in artificial intelligence, as a significant factor in enhancing Aurionpro's offerings in the AI space.
Strategic Partnership Impact
- Strategic partnerships with global FinTech majors are anticipated to drive significant product integration and market expansion for Aurionpro.
Partnership Strategy Significance
- 'Uniqueness and success of the partnership strategy' implies that strategic partnerships are a key component of growth and are achieving positive results.
Government of Haryana Order Significance
- The $5 million open loop card issuance order from the Government of Haryana highlights their presence in the government sector and reinforces their position as a leader in the digital payments space.
Percentage of AI Integration
- Ashish Rai estimates that around 80-90% of their products are currently integrated with AI models.
Enterprise Application Stack Strategy
- The primary strategy for their enterprise application stack is to leverage the power of AI to solve business challenges and create innovative solutions.
Value Creation with AI
- Ashish Rai believes that significant value is created in developing and deploying AI solutions that empower customers to achieve their goals.
APAC Revenue
- The text mentions APAC generating revenue, but doesn't provide the specific revenue number for the quarter discussed.
APAC Transaction Types
- The APAC region has seen high transaction volume, but the text doesn't specify what specific types of transactions took place.
Enterprise AI Market Focus
- Ashish Rai highlights the market focus on enterprise solutions, which is evident through their efforts to develop and deploy AI solutions for businesses across various sectors.
Product Integration Contribution
- The text implies that strategic partnerships with global FinTech majors are a significant contributor to the company's future plans for product integration.
APAC Performance Consideration
- Vimal Gohil mentions a key consideration for APAC's performance is their ability to expand customer reach and market share.
FY24 Revenue Growth
- The year-on-year revenue growth for Fiscal Year 2024 (FY24) is stated to be 33%.
FY24 EBITDA Margin
- The EBITDA margin for the full year in FY24 was 29%, indicating profitability and strong financial performance.
FY25 Revenue Growth
- Aurionpro expects a revenue growth of around 20% in FY25.
Financial Action by Board
- In addition to the dividend payout, the Board authorized a buyback of equity shares worth approximately $18.6 million.
FY25 EBITDA Margins
- The Expected EBITDA margins for FY25 are 32%.
Key Bank Win
- The text mentions a key win in the banking segment, but doesn't specify which bank.
First Q&A Question
- The text doesn't mention who asked the first question during the Q&A session.
PAT Growth Rate
- The PAT (Profit After Tax) growth rate for FY24 was 25%.
Arya.ai Revenue
- The text doesn't mention the revenue of Arya.ai.
FinTech Partnerships
- The company has been focusing on strategic partnerships within the FinTech space for driving growth in revenue and market share.
Arya.ai Stake
- The initial stake acquired in Arya.ai was 51%.
iCashpro+ Order Value
- The reported value of the order with the State Bank of India for iCashpro+ was $10 million.
Organization's Focus
- Moving forward, the organization's primary focus is on leveraging AI to drive innovation and growth through strategic partnerships and product development.
Total EBITDA for FY24
- The total EBITDA for FY24 was $52 million.
PAT Meaning
- PAT stands for Profit After Tax, a key financial metric that represents the profit a company makes after deducting all taxes.
Arya.ai Valuation Driver
- One key driver for Arya.ai valuations is the technological expertise and capabilities of the company in developing AI-based solutions that are highly sought after in the market.
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Description
Join us for a detailed analysis of Aurionpro Solutions Limited's Q4 and FY24 earnings conference call. This session, led by key management, highlights impressive growth figures, strategic partnerships, and future guidance, showcasing the company's robust performance in the banking and FinTech sector.