PNippon Life India Asset ManagementExecutive Cockpit

Finance 360

The single financial pane of truth — P&L, quality of earnings, profitability, FP&A and acquisition-cohort economics.

Nippon Life India Asset Management · FY26 (modeled)
Top 5 Indian AMC by AUM
1,200 employees · 0+ US sites · 2 countries
Executive read· the answer, then the moves

Margin is expanding, but ≈ $-1239M of EBITDA still sits between today's 48.4% margin and the 16% exit target — held in unintegrated cohorts and SG&A. Convert synergy and add-backs into reported EBITDA before the buyer's diligence.

8 of 8 headline metrics improving vs prior · still off target: Revenue $3.83B vs $4.10B, Revenue Growth 9.6% vs 12.0%, EBITDA $1.85B vs $2.00B

Do now — ranked by urgency
  1. 1
    Reliance Industries Staff Superannuation Fund credit exposureAct now
    Why it matters

    Move to credit hold pending paydown; reforecast ARR net of likely churn.

    What's driving it
    • Overdue AR
    • Signal: Alert
    FYI

    Distress filings + overdue AR; churn risk High on $6.4M account.

  2. 2
    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
  3. 3
    Close the margin gap to the 16% exit targetWatch
    Why it matters

    ≈ $-1239M of EBITDA stands between 48.4% margin and the 16% target — the swing that re-rates the equity.

    What's driving it
    • Adj. EBITDA margin 48.4% vs 16% target
    • 4 of 7 cohorts below 80% synergy capture
    FYI
    • Revenue $3825M; SG&A 23.2% of revenue
    • Each margin point ≈ $38M of EBITDA
  4. 4
    3 brands running DSO > 65 daysWatch
    Why it matters

    Targeted collections sprint on $0.9M; tighten milestone billing on ISC projects.

    What's driving it
    • DSO
    • Signal: Alert
    FYI

    ISC (67d), Nippon Wealth Management (66d), Reliance Industries Staff Superannuation Fund account (67d) lifting blended DSO.

💎 Value creation → exitStep 4 of 7 · the P&L & quality of earningsEnterprise 360Cash 360All journeys
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Revenue
$3.83B
▲ 9.6% vs priorTarget $4.10B
Revenue Growth
9.6%
▲ 18.5% vs priorTarget 12.0%
Gross Margin
84.5%
▲ 0.6% vs priorTarget 85.0%
EBITDA
$1.85B
▲ 9.5% vs priorTarget $2.00B
EBITDA Margin
48.4%
▲ 0.8% vs priorTarget 50.0%
Recurring Fee Income
$3.20B
▲ 8.5% vs priorTarget $3.50B
Recurring Revenue Mix
90.2%
▲ 0.4% vs priorTarget 91.0%
Free Cash Flow
$1.53B
▲ 9.3% vs priorTarget $1.60B
Exhibit 1

P&L bridge — revenue to EBITDA

How $785M of revenue converts to $116M adjusted EBITDA.

Exhibit 2

P&L at a glance

Revenue$3825M100.0%
Cost of goods sold($593M)(15.5%)
Gross profit$3232M84.5%
SG&A($887M)(23.2%)
Adjusted EBITDA$1850M48.4%
Exhibit 3

Revenue & EBITDA

Exhibit 4

Revenue by business unit

Mutual Funds45%
Portfolio Management Services35%
Alternative Investment Funds20%
Exhibit 5

Reported → Adjusted EBITDA

Diligence-grade add-back walk.

Exhibit 6

EBITDA — prior to current

Organic vs. acquisitive vs. price/mix vs. cost.

Exhibit 7

EBITDA margin

Exhibit 8

Revenue concentration

Planning

FP&A & productivity

Forecast discipline, synergy realization and productivity.

Budget Variance
2.2%
▼ 12.0% vs priorTarget 0.0%
Forecast Accuracy
96.5%
▲ 1.6% vs priorTarget 98.0%
Value Creation Realized
0.0%
▬ 0.0% vs priorTarget 0.0%
Revenue per Employee
$3190K
▲ 10.0% vs priorTarget $3500K
SG&A Ratio
23.2%
▼ 3.3% vs priorTarget 22.0%
Rule of 40 (AUM Growth + Margin)
47
▲ 6.8% vs priorTarget 50
Exhibit 9

Acquisition cohort performance

EBITDA uplift and synergy realization by acquired brand.

BrandYearRevenueARREBITDA %SynergyStatus
Nippon Large Cap Fund2021$19.92M$7.03M5.278.2%92%Integrated
Nippon Tax Saver Fund2021$12.89M$4.69M4.697.62%90%Integrated
Nippon Hybrid Fund2022$56.26M$30.47M6.459.38%88%Integrated
Equity Portfolio: Hybrid Fund2023$33.99M$11.13M5.867.62%74%In progress
Debt Portfolio: Hybrid Fund2024$24.03M$8.2M5.276.45%55%In progress
Nippon AIF Growth Opportunities2024$21.68M$7.62M5.277.03%78%In progress
Nippon Wealth Management2024$16.99M$5.27M4.695.27%40%Early