intellect design arena research report

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• Intellect Design Arena Ltd

Intellect Design Arena Ltd IT - Software | NSE : INTELLECT

• Target : 575.0 (6.48%)
• Target Period : 12 Month

16 May 2023

Investments in platform journey continues; aiming for 20% revenue growth in fy24.

Intellect Design Arena (Intellect) provides software products to retail, corporate banking, insurance & treasury.

• Intellect is in a transition from a product company to a platform company
• The company generates 55% of revenues from developed markets and the rest from emerging markets
• Recently, it saw a turnaround in margins (from 5% in FY20 to ~20% in FY23)

Intellect reported robust revenue growth in Q4FY23.

• Revenue in rupee terms grew 20.8% YoY
• EBITDA margins improved ~450 bps QoQ & fell ~150 bps YoY to 22.2%
• Funnel was flattish QoQ at ₹ 7,041 crore

Intellect’s share price has grown by ~2.6x over the past five years (from ~₹ 203 in May 2018 to ~₹ 540 levels in May 2023).

• We maintain our HOLD rating on the stock

We value Intellect at ₹ 575 i.e., 20x P/E on FY25E.

• Strong deal wins as well as continued healthy funnel are expected to aid future revenue growth
• Improving quality of revenues (licence + AMC + Cloud) from 47% in FY20 to 57% in FY23) bode well for long term revenue growth
• The company is making investments to improve the quarterly revenue run rate to US$90-100 mn in 10-12 quarters from now

Apart from Intellect, in our IT coverage we also like Newgen.

• Strong logo additions with continuous focus on enhancing annuity revenues would aid 20.9% revenue growth over FY23-25E
• BUY with a target price of ₹ 660

Particulars

Shareholding pattern

Price Chart

Recent events & key highlights.

• Declared dividend of | 2.5 per share
• Key Risk: (i) Higher than expected revenue growth, (ii) Lower than expected margins

Research Analyst

Sameer Pardikar [email protected]

Sujay Chavan

Key Financial Summary

Key takeaways of recent quarter & conference call highlights

• The company reported a revenue of | 615.5 crore, up 12.5% QoQ & 20.8% YoY. License revenue (18% of mix) grew 56.9% QoQ & 39.9% YoY to | 113 crore aiding in the strong revenue growth during the quarter. SaaS revenue (19% of mix) grew 2.7% QoQ & declined 4.4% YoY to | 114 crore while AMC revenue came in at | 106 crore, up 22.4% YoY
• License linked revenues (License+ SAAS+AMC). i.e. 54% of revenue mix grew 16.1% YoY to | 333 crore
• EBITDA margin improved ~450 bps QoQ to 22.2% while on a YoY basis the EBITDA margin declined 150 bps. The company indicated that it capitalised ~| 34-35 crore of expenses during the quarter
• For FY23, revenue came in at | 2,231.3 crore, up 18.8%. SaaS revenue increased 80 bps to 20.7% of revenue mix and reported revenue of | 461 crore, up 23.3% while license revenue declined 430 bps to 14.8% of revenue mix, coming at | 330 crore, down 8.1%. License linked revenue (License+ SAAS+AMC) now forms 52.5% of the revenue mix. It came in at | 1,173 crore, up 10.3%. The company for FY23 reported an EBITDA margin of 19.5% compared to 25.1% due to the investments made in technology development during the year by the company
• The company mentioned that it offers its services in license & SaaS form as per the customers preference and the license revenue jump in Q4 was due to the client preference. The company mentioned that it has not set any target for license or SaaS revenue but its overall endeavour is to grow the license linked revenue which is a high margin business. On the SaaS revenue decline on YoY basis the company mentioned that GeM contribution is lower in Q4 and also mentioned that GeM is due for renewal & the company is competing for its renewal. The company also mentioned that the SaaS revenue has a time lag in booking after the deal win and the time lag could be in the range of 12-24 months, which has also impacted the revenue growth during the quarter
• The company mentioned that bank tech wave started in 1965. It is currently in phase 5 of bank tech wave wherein cloud and AI disruption is taking place. Intellect added that when tech disruption happens the companies have to realign themselves to tech stack and for that investment has to be done 3-4 years in advance. The company mentioned that it was able to see this signals that cloud & AI is going to disrupt the banking industry had started investment in these spaces since 2017
• By investing in the cloud & AI space the company has developed eMach.ai which is a composable platform that is almost zero code (less than 5% of codes) and includes all its products in retail, corporate & wealth banking. The company mentioned that it contains 285 microservices, which can be assembled to design a product related for a specific segment in specific market without employing an IT service company. The company mentioned that the platform can be integrated with GSI partner or the banks/FIs IT teams
• The company mentioned that in the last year it had announced that it will invest 5% of its margins for building the next generation technology, which impacted margins in FY23. Intellect added that it has almost completed the investments. Now it will focus on distributing and growing the business. The company mentioned that now its investment in business will come down however it will increase its marketing spend for branding & showcasing its products & platforms to grow the business. Intellect also mentioned that in the last 18 months it has focused on building strategic partnership. The company mentioned that it had already entered into a partnership with Microsoft and is now working with Accenture, which gives the company a strong cloud & AI partner and a digital partner. The company further mentioned that its partnership with IBM is also going strong. It is talks for multiple deals with IBM
• On the future growth outlook, the company mentioned that its business is designed to grow at 20% revenue growth. Intellect aims to grow at 20%+ revenue growth in FY24. The company mentioned that the company is designed for 25% EBITDA margins but it continues to invest back 5% into platform journey. The company, however, mentioned that five years down the line margins will be in the range of 40% aided by increase in AMC business. The company also mentioned that cash generation in FY24 will higher be compared to FY23 as the investment phase is behind but Q1FY24 cash generation will be impacted by bonus payout
• The company mentioned that margin maintenance & improvement will be there once the client is onboarded as the contract is for longer duration of 15-20 years. Intellect, however, mentioned that for growing the business client addition is a priority and it will pick up due to investments made by the company. The company also mentioned that it is not looking to diversify is business from BFSI space. Intellect also mentioned that multiple deals are happening in India and it looking to grow its business in India
• On the SaaS model, the company mentioned SaaS model is not fully matured. Intellect mentioned that in some deals the payment is in front end and some deals the payment is back ended. The company has healthy cash balance. Hence, the working capital is not a constraint for the company. The company’s aim is to win sustained SaaS business. Intellect also mentioned that SaaS in a matured model that could provide margins as high as 70% but that takes about four to five years after the client is stabilised
• On R&D investment, the company mentioned that its cost of investment for developing a platform is one-tenth compared to competitors like Thought machine. The company mentioned that it has built new technology with US$5-10 mn investments compared to US$550-600 mn investments made by competitors
• The company also mentioned that it is seeing huge opportunity in core banking transformation space in large tier I banks & large regional banks. The company mentioned that some banks have legacy core architecture. Till now, banks were building new solutions around the old core, which was not giving them complete benefits. However, now the banks are more open to core transformation. With Intellect eMach.ai the risk of transforming the core is declining. The company hence is seeing large opportunity in this space and its unique offerings it is well placed to capture compared to competitors
• The company mentioned that it is still in top three contenders for large bank deals in Europe along with Temenos & Though Machine in a couple of deals while in one deal it in top two contenders now. The company mentioned that the results of the deals will be declared in a couple of quarters. Intellect also mentioned that it has entered into a few RFPs and the Europe market where it is competing is becoming a three company competition among Intellect, Temenos & Though Machine
• On the US banking crisis the company mentioned that it has seen many uncertain events in the last seven years like the UK Brexit, Covid pandemic, Russia-Ukraine conflict, regional banking crisis in US, etc. It is of the opinion that the market calibrates itself and the tech demand is back in two to three quarters. The company also mentioned that its exposure to US banks in minimal. Hence, the current banking crisis will have minimal impact on revenues. The company also mentioned that its exposure to developed markets in more in Europe & Canada. The company also mentioned that although its insurance business in US is growing it is still in single digit of revenue mix although the pipeline is growing is strong
• The company funnel remained flattish QoQ while on a YoY basis it was up 18.4% to | 7,041 crore. The company also mentioned that out of the total funnel 173 opportunities account for | 5,248 crore of funnel i.e. ~75% of the funnel. The company during the quarter added two destiny deals to its pipeline taking the total destiny deals to 70. The company further mentioned that it focused on having right funnel instead of growing funnel size so that the deal wins are higher and sales effort are channelised in the right direction as deal closure takes ~18-24 months. The company also mentioned that is focused on growing its destiny deals wins
• The company mentioned that in Q4FY23 on sequential basis its Global DSO excl. India declined by 19 days to 107 while India DSO declined by 63 days to 119 bringing the total DSO to 110
• The company declared final dividend of | 2.5 per share for FY23

Financial Summary

Profit and loss statement ₹ crore.

Key ratios ₹ crore

Balance Sheet ₹ crore

Cash flow statement ₹ crore, previous reports pdf:.

RATING RATIONALE

ICICI Direct endeavours to provide objective opinions and recommendations. ICICI Direct assigns ratings to its stocks according to their notional target price vs. current market price and then categorizes them as Buy, Hold, Reduce and Sell. The performance horizon is two years unless specified and the notional target price is defined as the analysts' valuation for a stock

Buy: >15%

Hold: -5% to 15%;

Reduce: -15% to -5%;

Sell: <-15% 

ANALYST CERTIFICATION

I/We, Sameer Pardikar, MBA and Sujay Chavan, MMS, Research Analysts Research Analysts, authors and the names subscribed to this report, hereby certify that all of the views expressed in this research report accurately reflect our views about the subject issuer(s) or securities. We also certify that no part of our compensation was, is, or will be directly or indirectly related to the specific recommendation(s) or view(s) in this report. It is also confirmed that above mentioned Analysts of this report have not received any compensation from the companies mentioned in the report in the preceding twelve months and do not serve as an officer, director or employee of the companies mentioned in the report.

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Stock Research Report for Intellect Design Arena Ltd

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Intellect Design Arena Limited is an India-based holding company. The Company is engaged in the business of software development and providing software product licenses and related services. The Company has a portfolio of products across Global Consumer Banking, Global Transaction Banking and IntellectAI. The Company offers a suite of platforms and products spread across core banking, lending, cards, treasury, digital banking, and central banking are built on eMACH.ai (event-driven, microservices-based, API-enabled, cloud-native, headless with underlying AI models). Its platforms include eMACH.ai, Cash Cloud, iColumbus, Xponent, iKredit360, and GeM. The eMACH.ai, is the open finance platform that offers banks and financial institutions the ability to compose their own My Signature Solution. Cash Cloud is a cloud-native, composable, fully-integrated cash management platform. iKredit360 is a composable technology platform that enables institutions to curate credit experiences.

Intellect Design Arena Limited Partner Ecosystem Profile

Unlock hidden opportunities in the Technology industry

Published: March 31, 2024 Report Code: GDTC-AR-PE0326-MP-L5

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• Report Overview

Key Players

Methodology.

GlobalData’s new report titled “Intellect Design Arena Limited Partner Ecosystem Profile ” serves as a crucial resource for analyzing the partner landscape of Intellect Design Arena Limited. It identifies the company’s partners across various countries and regions, and tracks over 70 data fields including IT solution areas of interest, business fundamental data (such as revenue and employee bands), partner engagement signing country, focused verticals, and more.It is based on data and information gathered from a range of sources including company websites, press releases, CXO interviews, secondary research, and a database compiled by GlobalData’s team of industry experts.

Source: GlobalData

Intellect Design Arena Limited, a prominent ICT solution provider, has a robust partner ecosystem that assists in distributing and selling its products and services to customers beyond the reach of its direct and digital sales teams. The company’s partnership strategy is primarily centered around Consulting Services, Data and Analytics, and Business Process Applications. These three areas combined make up 72.97 percent of Intellect Design Arena Limited total of 30 partner engagements.

The report covers insights on partner network database of Intellect Design Arena Limited and offers acumens around regional distribution of its partner engagements, key vertical areas of focus, partner certification mix, prominent IT solutions areas, which Intellect Design Arena’s partners are focusing on.

• Understand the partner engagement regional focus of Intellect Design Arena Limited
• Track prominent IT solution areas of focus for partners
• List of prominent partners of Intellect Design Arena Limited.

Reasons to Buy

This report will enhance your decision-making capability by allowing you to:

• Identify strategic partners of Intellect Design Arena Limited, in order to establish an effective channel network by channel benchmarking
• Find the strength of partner network of Intellect Design Arena Limited by conducting competitor benchmarking
• Uncover details on partners across all geographies and channels including resellers, Managed Service Providers (MSPs), Developers, ISVs, and many more

Frequently asked questions

As a standard process, the partner ecosystem profile of a vendor is updated on an annual basis as the partner base of a vendor doesn’t tend to change frequently.

We cover all the partners that the vendors disclose on their company website. However, there are cases wherein the vendors do not disclose their partner engagements on public domain, hence, those partners are not covered in this list.

We track this information from company websites, press releases, or information available in the form of CXO statements in the public domain.

Yes, it is available. In case you are interested to utilize the partner network database and access other key offerings including ICT Client Prospector, IT Contracts, Install Base, Market Opportunity Forecast Models, etc., please reach out to [email protected] for a demo of our Technology Intelligence Center.

Methodology behind Partner Ecosystem Profiles of vendors involves primarily two steps namely vendor selection and secondary research process:

Vendor Selection: This is the primary step that involves identification of vendors basis their availability in our Install Base offering, followed by benchmarking of vendors across three parameters including revenue of the vendor, the number of product offerings available on its website, and the availability of partner information. It helps in shortlisting the vendors for which partner ecosystem information needs to be captured.

Secondary Research Process: It involves two key steps:

Partner Names and Details

• It involves identification of Partner Name and the business fundamental data of the partner, for instance, revenue band, employee band, partner signing country

Partner-Vendor Engagement Details

• Secondary research is conducted to identify the partner engagement details including partnership certification level, application engagement category, applicable IT solutions for that partner engagement, vertical focus areas, geography-specific focus areas, among others.

All the above details are then collated to build the end deliverable in an easy to consume format.

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• Competitive Landscape - Details on the company profiles of other major and innovative companies in the market.
• Other Major And Innovative Companies - Details on the competitive landscape of the market, estimated market shares and company profiles of the leading players.
• Competitive Benchmarking - Briefs on the financials comparison between major players in the market.
• Competitive Dashboard - Briefs on competitive dashboard of major players.
• Key Mergers And Acquisitions - Information on recent mergers and acquisitions in the market covered in the report. This section gives key financial details of mergers and acquisitions, which have shaped the market in recent years.
• Market Opportunities And Strategies - Describes market opportunities and strategies based on findings of the research, with information on growth opportunities across countries, segments and strategies to be followed in those markets.
• Conclusions And Recommendations - This section includes recommendations for digital lending platform providers in terms of product/service offerings geographic expansion, marketing strategies and target groups.
• Appendix - This section includes details on the NAICS codes covered, abbreviations and currencies codes used in this report.

Markets Covered:

Companies mentioned (partial list).

A selection of companies mentioned in this report includes, but is not limited to:

• The Upstart Holdings, Inc.
• Fidelity National Information Services, Inc.
• LendingTree, Inc.
• Accenture PLC
• Fiserv, Inc.
• Wipro Limited
• Intercontinental Exchange, Inc
• DocuSign, Inc.
• Lendingkart
• Capital Float
• 360 Finance
• Money Forward
• Korea Investment Partners
• LexinFintech Holdings Ltd
• Qudian Inc.
• Pinduoduo Inc.
• Leader Bank
• Supernova Technology
• Stride Funding
• Lending Club
• MarketFinance
• Biz Capital
• CreditGate24
• Younited Credit
• Funding Circle
• Tinkoff Bank
• Home Credit Russia
• Credit Bank of Moscow
• Viva Credit
• Aasa Polska
• Valify Solutions
• Moneta Technologies
• BlueMoney Business Wallet

Table Information

• Credit And Loans

Digital Lending Platform Global Market Report 2024

•  Report
• February 2024

Lending Global Market Report 2024

Digital Lending Platforms - Global Strategic Business Report

Global Digital Lending Platform Market by Component (Service, Solution), Deployment (Cloud, On-premise), End User - Forecast 2024-2030

Global Digital Lending Platform Market: Industry Trends, Share, Size, Growth, Opportunity and Forecast 2023-2028

• November 2023

About the Digital Lending Platform Market

The Digital Lending Platform market is a subset of the financial services industry that focuses on providing digital solutions for loan origination, underwriting, and servicing. It is a rapidly growing sector, driven by the increasing demand for digital solutions to streamline the loan process. The platform enables lenders to automate the loan process, from application to approval, and to manage the entire loan lifecycle. It also provides lenders with access to a wide range of data and analytics to help them make informed decisions. The Digital Lending Platform market is highly competitive, with a range of players offering different solutions. Companies in the market include Kabbage, LendingClub, OnDeck, Avant, and SoFi. Show Less Read more

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• SECTOR : SOFTWARE & SERVICES
• INDUSTRY : IT SOFTWARE PRODUCTS
• INTELLECT DESIGN ARENA LTD.

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University of Idaho Central Credit Union Arena | Opsis Architecture

Taking inspiration from the rolling landscape of the Palouse region, sculpted by the ancient Missoula floods after the Ice Age, the Idaho Central Credit Union (ICCU) Arena, with its 4,000-seat capacity, serves as a striking gateway to the University of Idaho campus. Designed to be the home for the University’s basketball program, it also functions as a versatile gathering space for various events, including athletic competitions, concerts, conferences, and campus activities.

© Lara Swimmer

Idaho Central Credit Union’s Design Concept

The Idaho Central Credit Union offers an intimate viewing experience while celebrating the area’s unique features and deep-rooted ties to sustainable natural resources. Its groundbreaking design employs mass timber and an abundance of natural light, marking a departure from conventional steel and concrete sports arenas. This Idaho Central Credit Union was conceived to stimulate innovation in sustainable wood design, achieved through collaboration with local foresters and wood industry partners.

Both the form and materials used in the the Idaho Central Credit Union reflect Idaho’s rich history while looking forward to the future. It’s intended to honor athletic accomplishments and serves as an educational platform for students in the University’s forestry and engineering departments. The arena showcases innovative applications of locally harvested timber in glue-laminated long-span trusses and dowel-laminated wood (DLT) structural elements.

The roof design is a striking feature, with sections splitting apart to create overlapping, contoured shapes reminiscent of the rolling hills of the Palouse, while to the east, the roof gently descends around the practice court, connecting with the ground. The exterior walls are carefully embraced by expressive glue-laminated structures, with charcoal-stained cedar walls drawing inspiration from the region’s early homestead buildings. These textured walls stand in contrast to the smooth fabricated beams. Translucent glazing fills the gaps between the roof planes, allowing diffused natural light to flood the performance court, and a fully glazed wood curtain wall offers views into and out of the Idaho Central Credit Union.

To highlight the structural beauty of the exposed and undulating Douglas fir roof, integrating mechanical and electrical systems into the structure was a vital aspect of the design. The primary form uses a splayed portal truss and a repetitive king post truss system with double glue-laminated top cords, creating an interstitial space that conceals mechanical and electrical components. The western side of the arena hides utilities behind soffits integrated into the athletic offices, locker rooms, and alums center, which includes an upper-level event room overlooking the central court. The Vandal terrace on the west side offers patrons a covered space with panoramic views of the Palouse’s rolling hills, completing the experience of place and community.

Project Info: Architects: Opsis Architecture Area: 66186 ft² Year: 2021 Photography: Lara Swimmer Manufacturers: C.R. Laurence, Cosentino, Draper, Kalwall®, StructureCraft, Tremco, Vitro®, Sherwin-Williams, 9Wood, ASI Global Partitions, Armstrong, Bemo, Blum, Boise Cascade, Carlisle SynTec, Claridgge, Connor Sports Wood Athletic, Cornell, Dow Subgrade, Fórmica, +25 Construction: Hoffman Construction Structural Engineer: KPFF Consulting Engineers, StructureCraft Civil Engineer: Parametrix MEP Engineer: MW Consulting Engineers Principal In Charge: Alec Holser Project Manager, Project Architect & Designer: Chris Roberts Architect: John Morrison Design: Matthew Rusnac Program / Use / Building Function: Sports Arena, Multipurpose Event Space Sports Architect: Hastings & Chivetta City: Moscow Country: United States

Tags: Educational Architecture Higher Education Idaho Central Credit Union Lara Swimmer Moscow Opsis Architecture Sports Architecture United States University

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As the country’s first engineered wood venue, the new Idaho Central Credit Union (ICCU) Arena showcases Idaho as a place where students, researchers, industry and community come together to build sustainable futures.

From the brainstorming of its cutting-edge design to the first Vandal basketball game of the 2021 – 2022 season, the ICCU Arena continues to be not just a building, but a living laboratory modeling modern technology and aesthetic beauty.

The 62,000-foot arena is made of mass timber from the University’s Experimental Forest (UIEF) and sustainably managed forests across Idaho and surrounding areas. Mass timber is produced by mechanically fastening smaller wood components to form larger elements such as the arena’s glulam beams and sloping roofs. Shaped to resemble the Palouse’s rolling hills, the Arena is an architectural feat that pushes the bounds of contemporary engineering.

Sourced from well-managed forests that mitigate climate change and preserve biological habitat, soil and water, the Arena’s wood is certified by Sustainable Forestry Initiative standards.

The arena is a real-life learning laboratory site where natural resources, engineering and architecture students continue to learn about forest products supply chains, sustainable nursery and forest management, carbon sequestration, life cycle analysis and building performance during extreme weather events.

And when the University of Idaho basketball teams first stepped onto the Idaho Central Credit Union Arena, it was clear that they were a part of something bigger. The arena is a hub for learning, innovation and civic activity that will last for decades to come.

“The arena is a source of Vandal Pride for the entire student body and our community, said Jon Newlee, women’s head basketball coach. “Now, we are lost in the glory of being in this beautiful place.”