PAditya Birla Housing Finance LimitedExecutive Cockpit

Pavion · Strategic Command Center

One executive screen — KPIs, smart alerts, the exhibits, the operations heatmap, and what's on track. Every figure live off the governed dataset.

Aditya Birla Housing Finance Limited · FY24 (modeled)
Top 10 Indian Housing Finance Companies by AUM
1,200 employees · 0+ US sites · 1 countries
Executive read· the answer, then the moves

Revenue $6.00B (▲30.5%) and $1.48B EBITDA at 24.7% margin keep the plan on track — but 4 of 7 acquisitions are still integrating and DSO sits at 18d. Bank the +$22.1M synergy already captured by finishing integration before the buyer's diligence.

8 of 8 headline metrics improving vs prior · still off target: Revenue $6.00B vs $7.50B, EBITDA $1.48B vs $1.70B, Recurring Fee Income $125M vs $140M

Do now — ranked by urgency
  1. 1
    Covenant headroom 0.9× (lev 4.6× vs 5.5×)Act now
    Why it matters

    Sets deal capacity and refinancing risk.

    What's driving it
    • Q1 (act)
    • Signal: Threshold
    FYI
    • Net-debt/EBITDA 4.6× against a 5.5× ceiling.
    • Owner: CFO · Treasury
  2. 2
    Finish integrating the in-flight cohortsWatch
    Why it matters

    4 of 7 acquisitions remain unabsorbed; the +$22.1M EBITDA captured so far is the synergy at stake if integration stalls.

    What's driving it
    • 4 of 7 cohorts not yet Integrated
    • +$22.1M EBITDA uplift captured since purchase
    FYI
    • Revenue $6.00B ▲30.5%; EBITDA margin 24.7%
    • Owner: COO · Integration PMO
  3. 3
    Pull DSO back to targetWatch
    Why it matters

    DSO at 18d ties up working capital that funds the flywheel; net debt/EBITDA is 5.8x.

    What's driving it
    • DSO 18d
    • Net debt/EBITDA 5.8x
    • 4 of 10 board goals off On-track
    FYI
    • NRR 98%; recurring mix 9.1%
    • 8 smart alerts flagged across 6 regions
  4. 4
    South India region margin driftWatch
    Why it matters

    Accelerate ISC ERP/SOC cutover; rebalance project mix toward recurring.

    What's driving it
    • Region GM
    • Signal: Alert
    FYI

    South India GM 200bps below plan amid RFI/ISC integration drag.

💎 Value creation → exitStep 3 of 7 · is the consolidated business on track?Value Creation PlanFinance 360All journeys
🌐 Enterprise 360 modules· on Enterprise 360Browse all 31 views ▾
Revenue
$6.00B
▲ 30.4% vs priorTarget $7.50B
EBITDA
$1.48B
▲ 20.8% vs priorTarget $1.70B
EBITDA Margin
24.7%
▲ 6.9% vs priorTarget 25.0%
Recurring Fee Income
$125M
▲ 13.6% vs priorTarget $140M
Revenue Growth YoY
30.5%
▲ 51.7% vs priorTarget 25.0%
Net Revenue Retention
98.0%
▲ 1.0% vs priorTarget 100.0%
Days Sales Outstanding
18d
▼ 14.3% vs priorTarget 15d
Net Debt / EBITDA
5.8x
▼ 6.5% vs priorTarget 5.0x
Smart Alerts

Flagged issues that need attention

Automatically detected and persona-routed — click any alert to open the 360 that owns it and act.

ceo · Region GMWatch
South India region margin drift
South India GM 200bps below plan amid RFI/ISC integration drag.
Do: Accelerate ISC ERP/SOC cutover; rebalance project mix toward recurring.
ceo · PipelineOpportunity
Lucknow Collections Team expansion → $12.5M opportunity
News signal converted to qualified, credit-cleared multi-region pursuit.
Do: Prioritize solution design; align certified-tech coverage in new metros.
cfo · DSOWatch
3 brands running DSO > 65 days
ISC (67d), Risk Analytics Suite (66d), Retail Home Buyers (Gomti Nagar) account (67d) lifting blended DSO.
Do: Targeted collections sprint on $0.9M; tighten milestone billing on ISC projects.
cfo · Overdue ARRisk
Retail Home Buyers (Gomti Nagar) credit exposure
Distress filings + overdue AR; churn risk High on $6.4M account.
Do: Move to credit hold pending paydown; reforecast ARR net of likely churn.
cfo · LeverageOpportunity
Covenant headroom improving
Net Debt/EBITDA 4.2x vs 5.5x covenant; liquidity $132M.
Do: Capacity exists for 1–2 tuck-in acquisitions this fiscal year.
board · SynergyWatch
ECD synergy realization behind plan
Synergy at 78% of model; integration 80% complete.
Do: Hold management to 90-day synergy recovery plan; track at next board meeting.
board · Cohort EBITDAOpportunity
2023 cohort EBITDA uplift validated
AFA/RFI cohort margin expanded ~500bps post-integration.
Do: Thesis intact; continue disciplined roll-up at <5.5x leverage.
board · Recurring MixWatch
Recurring mix below 45% target
Recurring 40% vs 45% strategic target; Integration BU dilutive.
Do: Push subscription/Risk Analytics Suite attach on Integration installs.
Exhibit 1

Revenue & EBITDA — monthly trend

Consolidated, all brands (USD) · $6.00B revenue · 24.7% margin

Exhibit 2

Revenue share by business

Security · Fire Safety · Integration

Home Loans45%
Loans Against Property35%
Construction Finance20%
Exhibit 3

Regional performance

Click into Org Roll-up 360 to drill region → brand → office

RegionSitesRevenueShareStatus
West India13$164.5M2.7%On track
North India12$151.7M2.5%On track
South India13$140.6M2.3%Watch
Central India12$123.2M2.1%Watch
East India10$112.1M1.9%Watch
Pan-India7$29.4M0.5%Watch
Drill the roll-up →
Exhibit 4

Acquisition cohorts — revenue & state

+$22.1M EBITDA captured since purchase

Green = integrated · amber = in progress · red = early. Brand / M&A 360 →

Exhibit 5

KPI scorecard — actual vs target

Board-approved targets; current values auto-calculated from live data

ObjectiveKPICurrentTargetProgressStatus
Run one operating model across every brandPlatform integrated78%100%
78%
On track
Bank the cost synergies promised in each dealSynergy realized78%100%
78%
On track
Sell the whole platform into single-service accountsRecurring mix40%45%
89%
Behind
Reaccelerate disciplined tuck-ins (Central US, cyber, intl)Targets in funnel7#12#
58%
On track
Deliver 10%+ organic growth via account developmentOrganic growth8%10%
80%
Behind
Grow the annuity (RMR / ARR)ARR314$M360$M
87%
On track
Expand EBITDA margin through scale & synergyEBITDA margin14.8%17%
87%
On track
Close the NICET-certified technician gapCertified techs86%92%
93%
Behind
Retain & expand the base (platform-first experience)Net retention106%110%
96%
On track
Free working capital to fund the flywheelDSO54d48d
89%
Behind
Global Operations Heatmap

The footprint at a glance

Each dot is an office. Colour = operational health (green = healthy · amber = watch · red = at risk). Hover for detail; open Site 360 to act on one.

Continental U.S. network · 60 sites
HealthyWatchAt riskHQ
International · 23 countries, 3 continents
Toronto (CAN)$8.27M
London (GBR)$6.43M
Frankfurt (DEU)$4.6M
Dublin (IRL)$3.68M
Singapore (SGP)$3.68M
Tokyo (JPN)$2.76M
Execution Hub · Action items

What needs a decision

The team's live queue — assign, snooze, resolve.

Action items are managed in Today — your role-filtered decision queue, each with an owner and an action that persists to the audit trail.