PClient AssociatesExecutive Cockpit

Finance 360

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

Client Associates · FY26 (modeled)
India's largest multi-family office
296 employees · 0+ US sites · 1 countries
Executive read· the answer, then the moves

Margin is expanding, but ≈ $-54M of EBITDA still sits between today's 38.5% 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 ₹242Cr vs ₹260Cr, Revenue Growth 6.1% vs 7.5%, Gross Margin 62.0% vs 65.0%

Do now — ranked by urgency
  1. 1
    Chaudhary Family 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

    ≈ $-54M of EBITDA stands between 38.5% margin and the 16% target — the swing that re-rates the equity.

    What's driving it
    • Adj. EBITDA margin 38.5% vs 16% target
    • 4 of 7 cohorts below 80% synergy capture
    FYI
    • Revenue $242M; SG&A 22.0% of revenue
    • Each margin point ≈ $2M 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), CA Real Estate Advisory (66d), Chaudhary Family account (67d) lifting blended DSO.

💎 Board Value Creation JourneyStep 4 of 7 · the P&L & quality of earningsEnterprise 360Cash 360All journeys
Revenue
₹242Cr
▲ 6.1% vs priorTarget ₹260Cr
Revenue Growth
6.1%
▲ 5.2% vs priorTarget 7.5%
Gross Margin
62.0%
▲ 3.3% vs priorTarget 65.0%
EBITDA
₹93Cr
▲ 6.9% vs priorTarget ₹100Cr
EBITDA Margin
38.5%
▲ 6.4% vs priorTarget 40.0%
Recurring Revenue
₹154Cr
▲ 4.8% vs priorTarget ₹160Cr
Recurring Mix
63.0%
▲ 3.3% vs priorTarget 65.0%
Free Cash Flow
₹41Cr
▲ 10.8% vs priorTarget ₹45Cr
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$242M100.0%
Cost of goods sold($92M)(38.0%)
Gross profit$150M62.0%
SG&A($53M)(22.0%)
Adjusted EBITDA$93M38.4%
Exhibit 3

Revenue & EBITDA

Exhibit 4

Revenue by business unit

Wealth Advisory45%
Portfolio Management35%
Investment Banking20%
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%
▼ 15.4% vs priorTarget 2.0%
Forecast Accuracy
93.0%
▲ 3.3% vs priorTarget 95.0%
Value Creation Realized
8.1%
▲ 9.5% vs priorTarget 9.0%
Revenue per Employee
₹82.00Cr
▲ 5.1% vs priorTarget ₹85.00Cr
SG&A
22.0%
▼ 4.3% vs priorTarget 20.0%
Rule of 40
44
▲ 7.3% vs priorTarget 45
Exhibit 9

Acquisition cohort performance

EBITDA uplift and synergy realization by acquired brand.

BrandYearRevenueARREBITDA %SynergyStatus
Gurgaon Tech Park2021$1.05M$0.37M0.280.43%92%Integrated
MCEF-Alpha2021$0.68M$0.25M0.250.4%90%Integrated
Arora PMS-20242022$2.96M$1.6M0.340.49%88%Integrated
Client Associates Multi-Family Office2023$1.79M$0.59M0.310.4%74%In progress
CA Investment Banking2024$1.26M$0.43M0.280.34%55%In progress
Miles PMS2024$1.14M$0.4M0.280.37%78%In progress
CA Real Estate Advisory2024$0.89M$0.28M0.250.28%40%Early