360 One Wam (360ONE) investor relations material

Executive summary

• Total AUM reached INR 7,76,755 crores in Q1 FY27, up 17% year-over-year, with ARR AUM at INR 3,42,035 crores, up 19% year-over-year.

• Profit after tax rose 14.8% year-over-year to INR 330 crores; tangible ROE at 19.4%.

• Revenue from operations increased 24.2% year-over-year to INR 822 crores; total revenue up 20% to INR 870 crores.

• Strong net flows in wealth business, with new teams and client additions driving growth.

• Launched new ESAR Scheme and allotted 5,46,579 equity shares on exercise of employee stock options.

Financial highlights

• ARR revenue grew 20.3% year-over-year to INR 614 crores, now 75% of total revenue.

• Cost-to-income ratio improved to 51.3%; further improvement expected, targeting 49-50% for the year.

• Tangible net worth stood at INR 6,882 crores; earnings per share (basic) for Q1 FY27 was INR 8.1.

• Debt-equity ratio at 0.23, interest service coverage ratio at 3.35, net profit margin at 43%.

• ARR retention at 74 bps (wealth: 71 bps, asset management: 83 bps).

Outlook and guidance

• Cost-to-income ratio expected to decline by 100-150 bps for the full year, targeting 49-50%.

• HNI and ET Money businesses expected to break even by year-end, supporting margin improvement.

• Focus on expanding recurring revenue streams and maintaining ARR retention above 70 bps.

• Positioned for sustained, profitable growth leveraging robust platform and client-first model.

• Private credit, real assets, and private equity seen as promising growth areas.