PAditya Birla Housing Finance LimitedExecutive Cockpit

Value Creation Plan

The Wind Point owner's view — entry → today → exit, the multiple-expansion that recurring revenue earns, and the synergy programs behind it.

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

Enterprise value has gone from $88M at entry to $1.08B today; $1.47B of the plan remains to the $2.54B exit. The prize is multiple expansion — push recurring mix from 9.1% toward 45% and bank the $16M of open synergy before exit.

4 of 4 headline metrics improving vs prior · still off target: Revenue $6.00B vs $7.50B, EBITDA $1.48B vs $1.70B, Recurring Mix 9.1% vs 10.0%

Do now — ranked by urgency
  1. 1
    Capture the $1.47B of value remaining to exitWatch
    Why it matters

    $1.47B of enterprise value stands between today's $1.08B and the $2.54B exit plan — the swing that realizes the Wind Point thesis.

    What's driving it
    • EV $88M → $1.08B today → $2.54B exit
    • $990M created, $1.47B remaining
    FYI
    • Driven by EBITDA growth and multiple re-rating
    • Recurring mix 9.1% → Project-heavy installer tier (3–5×)
  2. 2
    Bank the $16M of open synergy run-rateWatch
    Why it matters

    $16M of $22M run-rate synergy is still to capture — the same work that finishes integration and flips the newest brands to actuals.

    What's driving it
    • Synergy $22M run-rate, $6M banked
    • 1 of 6 workstreams behind plan
    FYI

    Insurance, fleet, purchasing and systems consolidation

  3. 3
    Re-rate the multiple: push recurring mix past 45%Opportunity
    Why it matters

    Reaching the scaled tier (45%+ recurring) is worth 2–3 EBITDA turns — on $1.48B of EBITDA that is $2.96B–$4.44B from re-rating alone.

    What's driving it
    • Recurring mix 9.1% · Project-heavy installer tier
    • Monitoring book worth $257M at 40× ($193M–$322M)
    FYI
    • Monitoring RMR $6.4M/mo valued at 30–50×
    • Attach ON-X on every install
💎 Value creation → exitStep 2 of 7 · entry → today → exit value leversStrategy & GoalsEnterprise 360All journeys
🌐 Enterprise 360 modules· on Value Creation PlanBrowse all 31 views ▾
● LiveBuilt forWind Point / Board· thesis progress to exitCEO / CFO· what moves the multipleCorp Dev· accretive M&A in the plan

Wind Point underwrites a Value Creation Plan from entry to exit. Pavion has gone from ~$100M to $6.00B of revenue; the prize from here is multiple expansion — recurring revenue re-rates the business, and monitoring RMR is valued separately at 30–50×. This is the screen that tracks it.

Data backing: vcp (value-creation plan) · synergy_prog · service_line (RMR) · kpi · industry multiple conventions
Enterprise value · entry → today → exit (EBITDA × multiple)
Entry (2020)
$88M
$12M EBITDA × 7.35×
Today (FY26)
$1.08B
$107M EBITDA × 10.11×
Exit (plan)
$2.54B
$198M EBITDA × 12.87×
Value created · remaining
$990M · $1.47B
The plan

Value-creation workstreams

Each lever shown entry → today → exit, with progress through the plan.

WorkstreamLeverEntryTodayExitProgressStatus
Scale the platformOrganic + accretive M&A91.91M721.5M1102.93M
On track
Shift to recurringAttach monitoring / ITM on every install31.25%36.76%44.12%
Behind
Expand marginSynergy capture + operating leverage11.76%13.6%16.54%
On track
Grow profitScale × margin11.95M106.62M197.61M
On track
DeleverEBITDA growth + cash5.51×3.86×2.76×
On track
Re-rate the multipleRecurring-driven re-rating7.35×10.11×12.87×
On track
Why recurring re-rates the business

The multiple ladder

Recurring mix moves the EBITDA multiple. At 9.1%, Pavion sits in the platform tier — every point toward 45% pulls it up.

Project-heavy installer · Pavion today
recurring mix <20%
3–5×
Recurring-mix operator
recurring mix 20–35%
5–9×
Platform (multi-state)
recurring mix 35–45%
8–12×
Scaled platform
recurring mix 45%+
12–20×

Reaching the scaled tier (45%+ recurring) is worth 2–3 EBITDA turns — on $1.48B of EBITDA, that's $2.96B$4.44B of enterprise value from re-rating alone.

The hidden asset

Monitoring RMR · valued at 30–50×

Recurring monitoring revenue trades on its own convention — separate from, and on top of, the EBITDA multiple.

$257Mmonitoring-book value at 40× ($193M$322M at 30–50×)
Monitoring ARR (ON-X + Central Station)$77M
Monthly recurring revenue (RMR)$6.4M
Implied value @ 30× / 40× / 50×$193M / $257M / $322M

So what: growing the monitoring book (attach ON-X on every install) creates value at 30–50× — far above the 10.11× the whole company trades at. It's the single highest-return dollar in the plan.

How synergy actually gets captured

$22M of run-rate cost synergy · $6M banked

The concrete programs behind the synergy % — not a slogan, a checklist.

Purchasing / vendor consolidation
One buying team; preferred panel (Axis, BharatPe…).
$8MIn progress
Systems (CRM / ERP / HR)
Standardized platforms; retire legacy ERPs.
$6MIn progress
P&C insurance consolidation
Acquired companies onto Aditya Birla Housing Finance Limited's master policy.
$4MCaptured
Fleet / auto program
Single national fleet & telematics contract.
$3MCaptured
Real estate / office overlap
Consolidate overlapping offices in shared metros.
$2MPlanned

Wind Point's playbook in action: put acquired companies on Pavion's insurance, fleet, purchasing and systems. $16M of run-rate is still to capture — the same work that finishes integration and flips the newest brands to office-grain actuals.