2021-07-02 03:01:19
Key take-aways and insights from
CTOS Digital Bhd - IPO retail investor briefing by Group CEO Dennis Martin, CEO Eric Chin, COO Tracy Gan and Head of Finance Loke Mei Chyi on Rakuten Trade Ideas Webinar last nite
- Market leader in credit reporting agency with dominant market share of 71.2% based on revenue in 2020 in Malaysia
-fully digital platform for end-to-end credit management
-strategic partnership with leading global technology partners, strategic investments (Experian & BOL)
-large customer base 430 key accounts, 17,000 commercial and 1.3m registered users CTOS ID
-strong profitability 80% GP margin, 25% PATAMI, ROE 39% (FY18 - FY20), targeted 60% payout ratio for dividend
-key revenue segments with 56% commercial (17,000 business) and 33% in key accounts - 430 (75% recurring income for key account and highest revenue generating)
-large credit database over 30 yrs (15m consumers, 8m business)
-emergence of digital banks means more clients and business opportunities
-management is confident of tax incentive renewal (met the 4 KPIs)
-strategic growth acquisition to expand regionally (current revenue 95% Malaysia)
CTOS Digital Bhd集团首席执行官 Dennis Martin、首席执行官 Eric Chin、首席运营官 Tracy Gan 和财务主管 Loke Mei Chyi 昨晚在Rakuten Trade Ideas 网络研讨会上的主要见解。
- 信用报告机构的市场领导者，在马来西亚 2020 年的收入占主导地位的市场份额为 71.2%
-用于端到端信用管理的全数字平台
-与全球领先的技术合作伙伴建立战略伙伴关系与战略投资（Experian & BOL）
-拥有庞大的客户群 ，430 个关键账户，17,000 个商业用户和 130 万CTOS ID注册用户
- (FY18 - FY20) 强劲的利润率: 80% 的毛利率、25% 的 PATAMI利润率、39% 的股本回报率(ROE)，目标股息支付率为 60%
- 关键盈利部门，其中56%的收入来自商业用户（17,000 名客户）和 33% 的收入来自关键客- 430（75% 的经常性收入，关键客户是最高的营收部门）
- 超过 30 年的大型信用数据库（1500 万消费者，800 万企业）
-数字银行的出现意味着更多的客户和商机
-管理层对税收激励的更新充满信心（已满足4个KPIs）
- 战略性的收购以扩大区域的发展（当前收入 95% 来自马来西亚）
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