NOVUS LOYALTY H1 CONCALL : REVENUE SURGES 38% YOY; MANAGEMENT TARGETS ₹500 CR FY29 REVENUE & ₹600–650 CR BY FY30, PLANS ₹130 CR AUTOPAY ACQUISITION

• MANAGEMENT TARGETS CONSOLIDATED REVENUE OF APPROXIMATELY ₹500 CR BY FY29 & ₹600–650 CR BY FY30, SUPPORTED BY ORGANIC GROWTH, ACQUISITIONS & INTERNATIONAL EXPANSION • MANAGEMENT EXPECTS ORGANIC REVENUE GROWTH OF APPROXIMATELY 15–20% ANNUALLY, WITH H2 FY27 REVENUE EXPECTED TO BE AT LEAST AT H1 LEVELS • COMPANY PROPOSES ACQUISITION OF 80.87% STAKE IN AUTOPAY PAYMENT SOLUTIONS, WITH TRANSACTION VALUE DISCUSSED AT APPROXIMATELY ₹130 CR • MANAGEMENT EXPECTS AUTOPAY REVENUE GROWTH OF 15–20% ANNUALLY, WITH LONG-TERM PAT MARGIN POTENTIAL OF 17–20% • MANAGEMENT TARGETS APPROXIMATELY $1 MILLION REVENUE FROM MIDDLE EAST OPERATIONS IN FY27 & $2 MILLION IN THE FOLLOWING YEAR • MANAGEMENT EXPECTS AFRICA REVENUE OF APPROXIMATELY $400,000 IN FY27, WHILE TARGETING AROUND $1 MILLION FROM US & AUSTRALIA OPERATIONS IN THE NEXT FINANCIAL YEAR • MANAGEMENT EXPECTS NOXY AI INVESTMENTS TO REACH BREAKEVEN WITHIN 1.5–2 YEARS, SUPPORTED BY AUTOMATION, IMPROVED CUSTOMER ENGAGEMENT & FUTURE MONETISATION • H1 FY27 REVENUE GREW APPROXIMATELY 38% YOY TO ₹98 CR FROM ₹71 CR, SUPPORTED BY TECHNOLOGY, REWARD REDEMPTION, MERCHANT PROMOTIONS & DIGITAL VOUCHERS • H1 TECHNOLOGY REVENUE STOOD AT APPROXIMATELY ₹7.5 CR, REWARD REDEMPTION AT ₹36 CR, MERCHANT PROMOTIONS ABOVE ₹5 CR & DIGITAL VOUCHERS AT ₹49 CR • COMPANY SERVES NEARLY 100 ENTERPRISE CLIENTS & OVER 5 CR END CUSTOMERS, PROCESSING APPROXIMATELY 150 CR TRANSACTIONS MONTHLY • BFSI CONTRIBUTES APPROXIMATELY 90–92% OF BUSINESS, WHILE COMPANY HAS SECURED AN ₹88 CR CONTRACT FROM CENTRAL BANK OF INDIA OVER FIVE YEARS • AUTOPAY REPORTED FY26 REVENUE OF ₹102 CR, EBITDA OF APPROXIMATELY ₹23 CR & NET PROFIT ABOVE ₹14 CR, WITH EXPOSURE TO IRCTC, DELHI METRO & TRANSIT PAYMENTS • TECHNOLOGY & MERCHANT PROMOTIONS OFFER HIGH GROSS-MARGIN CONTRIBUTIONS, WHILE REWARD REDEMPTION GENERATES 16–18% GROSS MARGINS & DIGITAL VOUCHERS 5–7% • COMPANY IS DEVELOPING 12 SPECIALISED AI AGENTS UNDER NOXY AI, WHILE APPROXIMATELY 90% OF TECHNOLOGY REVENUE COMES FROM SAAS SOLUTIONS • MANAGEMENT REMAINS POSITIVE ON AUTOPAY SYNERGIES, AI MONETISATION & INTERNATIONAL EXPANSION, BUT ACQUISITION FUNDING, BFSI CLIENT CONCENTRATION, WORKING CAPITAL & EXECUTION RISKS REMAIN KEY MONITORABLES

Novus Loyalty Limited

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