14 December 2015
Update | Sector:
Technology
BSE SENSEX
25,150
S&P CNX
7,650
CMP: INR892
TP: INR1,015 (+14%)
Just Dial
Buy
Base business growth recovery likely from FY17
We met Just Dial’s (JUST) Managing Director Mr. Mani to get updates on the base
business, Search Plus and the launches planned.
Bloomberg
Equity Shares (m)
M.Cap. (INR b)/(USD b)
52-Week Range (INR)
1, 6, 12 Rel. Per (%)
12M Avg Val (INR M)
Free float (%)
JUST IN
69.4
61.9/0.9
1,632 / 741
15/-14/-24
626
67.4
Financials & Valuation (INR billion)
Y/E Mar
Sales
EBITDA
NP
EPS (INR)
Gr. (%)
BV/Sh(INR)
RoE (%)
RoCE (%)
P/E (x)
P/BV (x)
2015
5.9
1.7
1.4
19.7
14.6
95.5
23.0
31.5
45.5
9.4
2016E 2017E
7.1
1.7
1.4
19.6
-0.3
90.6
20.9
28.7
45.6
9.9
8.6
1.9
1.4
20.3
3.4
108.6
20.4
29.1
44.1
8.3
Base business to pick up in FY17, led by renewed sales focus
Management highlighted that efforts are underway to aggressively grow the base
business, which suffered due to excessive focus on Search Plus application
launch. Management believes recruitment of sales force to drive business listings
was slow in the last two years; given the scale of business, the number of
employees should have been double than what it currently is. The company has
started recruiting sales personnel on a war footing and has plans to launch ad
campaigns for Search Plus beginning January 2016, which we believe will also
lead to brand building of Just Dial. We believe base business will see pressure till
end-FY16, and start showing meaningful recovery in FY17with increase in paid
listings on the back of aggressive selling, rationalized prices and ad campaigns-led
awareness. Management expects base business paid listings to grow 20% in FY17.
Price rationalizations to augur well for volume growth in paid listings
Management commented that JUST has revamped its listing and pricing policy to
make it more granular—selling the top 7 positions for each pin code (as against
top 3 positions earlier with an area-level threshold in terms of price).
Management believes the move will rationalize prices and augur well for volume
growth owing to increased vendor participation.
‘JD Omni’ a strong offering helping vendors run stores online and real-time
JUST plans to launch a cloud-based OMNI service (access through mobile phone,
tablet, PC, etc.) for SMEs; it will work on a pay per month basis. A listing on JD
platform entitles the vendors to sign up for the service and select store category,
which will allow them to operate stores online. Categories are designed in such a
way that there are pre-populated parameters online. For example, in case the
vendor deals in automobile tyres, he will have inventory options like CEAT, MRF
and Goodyear already populated. After providing the initial date through a
spreadsheet of relevant inventory kept at store, the data will be migrated online
in JD Omni, post which the vendor can manage inventory and fulfill orders (both
online and offline) on a real-time basis even when not in office—this would also
entail opening a .com domain for the seller, which will help the vendor as well as
the consumer to track orders. Earlier, vendors faced a problem of tracking
inventory to fulfill orders; the problem should reduce with the launch of JD Omni,
resulting in smoother transactions with Search Plus. The channel is expected to
go live in January 2016. The company plans to increase awareness through an
evangelist campaign, which will provide demos for the product.
Estimate change
TP change
Rating change
-8%
-8%
Niket Shah
(Niket.Shah@MotilalOswal.com); +91 22 3982 5426
Chintan Modi
(Chintan.Modi@MotilalOswal.com); +9122 39825422/Kaustubh
Kale
(Kaustubh.Kale@MotilalOswal.co); +9122 30102498
Investors are advised to refer through important disclosures made at the last page of the Research Report.
Motilal Oswal research is available on
www.motilaloswal.com/Institutional-Equities,
Bloomberg, Thomson Reuters, Factset and S&P Capital.

Just Dial
JD Cash on back burner, launch delayed by two quarters
Management highlighted that due to regulatory issues in applying for open
wallets, the plans to have JD Cash is kept on hold for further consideration. The
original plan was to have a wallet in collaboration with Axis Bank. JUST plans to
launch a closed wallet at the earliest where it plans to start a reward points-like
scheme to lure customers to transact in Search Plus.
Search Plus seeing steady growth; evangelist and ad campaigns to be the key
Search Plus has been seeing steady growth in traffic since launch, which
management believes to be a healthy trend, despite less focus on
advertisements. Management highlighted that Just Dial currently has more than
100 million unique visitors and total app downloads of 8.6 million. The app in its
current version is around ~50-55% ready and the balance is expected to be
completed in the next 2-3 months. The app is undergoing updates continuously,
with various services being added and features being enhanced. JUST recently
tied-up with Ola and Uber for cab-hailing services. The management is yet to
unveil its advertising and evangelist campaigns (expected beginning January
2016), which in our view will be an important milestone in increasing its
acceptance amongst users. JUST plans to spend INR1b over the next four
quarters to promote Search Plus. Management highlighted that it plans to
aggressively invest in technology and workforce to enhance customer
experience by having dedicated employees for verticals; for example, JUST has a
dedicated team working in the travel categories and the team is responsible for
enhancing customer experience.
International foray planned through franchising arrangement
Management highlighted that JUST plans to have some kind of international
presence through a franchising arrangement without incurring any kind of
expense or committing any kind of cost. Management reiterated its focus on
following a ‘no-cash burn’ policy where expansions are planned through cash
flow generated from operations. While the plans are still nascent, management
commented that developments in the same might be seen in the next 12
months.
Valuation and view
We upgrade our FY16E EPS by 10% while cutting our FY17E EPS by 8% due to
back-ended employee and sales promotion costs for Search Plus pushed to
FY17, as against FY16. We expect growth to rebound only in FY17, led by larger
sales force (total employees expected to increase from 9,533 in FY15 to 11,535
in FY17), pick-up of JD Omni and results from increased efforts in Just Dial brand
building through advertising and evangelist campaigns. We have factored in the
effect of buyback in our estimates, assuming a full buyback of 1.06m shares at a
buyback price of INR1,550. During 2Q, JUST launched Search Plus updated app—
success of which we believe will be crucial to company’s evolution from ‘Search
to Transactions’. The management is yet to unveil its advertising campaign
(expected in 4QFY16), which in our view will be an important milestone in
increasing its acceptance amongst users along with the launch of JD Omni
(expected in 4QFY16). Maintain
Buy
with a TP of INR1,015 (50x FY17E P/E v/s
post-listing average P/E of 62.8x).
14 December 2015
2

Just Dial
Exhibit 1: Total employees continue to rise
Total employees
29.4
23.1
27.4
20.9
14.0
11.6
10.0
10.0
Growth %
Exhibit 2: Average cost per employee to stabilize
Avg. cost per employee (INR 000s)
Growth in cost per employee %
19.9
12.0
11.9
219
FY11
11.0
7.7
236
FY12
262
8.6
285
342
8.0
369
8.0
398
175
FY09
FY10
FY11
FY12
FY13
FY14
FY15 FY16E FY17E
Source: Company, MOSL
FY09
196
FY10
FY13
FY14
FY15 FY16E FY17E
Source: Company, MOSL
Exhibit 3: Total number of business listings
No of business listings (m)
15.0
11.8
6.0
7.2
9.1
16.5
19.0
Exhibit 4: Paid campaign as a % of total listings
No of campaigns (in 000s)
Paid campaigns as % of total listings
2.0
1.4
2.4
2.3
2.2
2.2
2.4
2.4
4.5
62
FY10
FY11
FY12
FY13
FY14
FY15
FY16E FY17E
FY10
120
FY11
171
FY12
207
FY13
262
FY14
331
FY15
391
455
FY16E FY17E
Exhibit 5: Premium listing continue to rise
Number of campaigns (in 000s)
21.0
16.0
262
22.0
Premium listings %
23.0
Exhibit 6: Average realization per campaign to moderate
Avg. realization per campaign per year (INR)
21.0
6.8
2.4
1.0
0.5
Growth%
-1.5
120
FY11
171
207
-11.1
-21.1
FY10
FY11
FY12
FY13
FY14
FY15
FY16E FY17E
FY12
FY13
FY14
Source: Company, MOSL
Source: Company, MOSL
14 December 2015
3

Just Dial
Valuation and view
We value JUST at 50x FY17E EPS, versus post listing average multiple of 62.8x, which
we believe is justified considering:
High entry barriers ensure limited competition
JUST is the leader in India’s local search business and enjoys a strong first-mover
advantage. It has a database of 15.8m listings spread across ~2,000 Indian cities as
on FY15, significantly ahead of competitors. We believe the biggest strength of
JUST is maintenance of its database by keeping it updated and accurate through
un-paralleled feet-on-street strength (~9,500 employees as of FY15), its ability to
develop direct and personal relationships with SMEs and its unique voice-based
search infrastructure, which is difficult to replicate by competitors.
Strong growth potential for India’s local search business
We believe JUST has significant growth potential as at 15.8m listings, it has still
tapped less than 50% of the India’s overall base of 32m SMEs. Further, opportunity
in terms of monetization is huge given only 2% of JUST’s listings are paid listings,
and less than 1% of India’s SME base of 32m small businesses are paid advertisers
on its platform. JUST’s proprietary pricing algorithms to set the price range for
various membership packages depending on the keyword and locality as well as its
unique mechanism of offering monthly/weekly payment packages ensure high
affordability for SME’s which should drive higher monetization going forward.
Search Plus, a game changer – Synergistic move, from search to transactions
JUST has extended its offerings from search to transactions with launch of a host of
services under the JD Search Plus platform. JUST currently has 27 products under
‘Search Plus’ which includes online food delivery, groceries, wine delivery, doctors’
appointments, taxi bookings, online purchases of electronics, etc. Further, JUST is
launching a plethora of new products like ‘Just Dial Guaranteed’, ‘Just Dial Cash’,
Online cab booking, etc which we believe will take the Search Plus platform to a
completely different league. Management plans to aggressively advertise to create
a viral impact for these recent launches. We believe given strong relationships
enjoyed by JUST with SMEs, it is best placed to capture the off-line to on-line e-
commerce opportunity with its foray into enabling transactions on its platform.
Exhibit 7: Price to earnings (One year forward)
90
75
60
45
30
P/E (x)
2 Yrs Avg(x)
Exhibit 8: Price to book (One year forward)
22.0
18.0
14.0
45.5
10.0
8.8
6.0
13.2
P/B (x)
2 Yrs Avg(x)
62.8
Source: Company, MOSL
Source: Company, MOSL
We value the stock at 50x FY17E EPS and arrive at a target price of INR1015.
Maintain
Buy
rating.
14 December 2015
4

Just Dial
Story in charts
Exhibit 9: Total number of business listings
No of business listings (m)
15.0
11.8
6.0
7.2
9.1
1.4
16.5
2.0
19.0
Exhibit 10: Paid campaign as a % of total listings
No of campaigns (in 000s)
Paid campaigns as % of total listings
2.4
2.3
2.2
2.2
2.4
2.4
4.5
62
FY10
FY11
FY12
FY13
FY14
FY15
FY16E FY17E
FY10
120
FY11
171
FY12
207
FY13
262
FY14
331
FY15
391
455
FY16E FY17E
Source: Company, MOSL
Source: Company, MOSL
Exhibit 11: Premium listing continue to rise
Number of campaigns (in 000s)
21.0
16.0
262
22.0
Premium listings %
23.0
Exhibit 12: Average realization per campaign to moderate
Avg. realization per campaign per year (INR)
21.0
6.8
2.4
1.0
0.5
Growth%
-1.5
120
FY11
171
207
-11.1
-21.1
FY14
FY10
FY11
FY12
FY13
FY14
FY15
FY16E FY17E
FY12
FY13
Source: Company, MOSL
Source: Company, MOSL
Exhibit 13: Search Plus to drive e-commerce sales for JUST
India's e-commerce market for physical goods (USD b)
8.6
5.3
2.0
3.2
Exhibit 14: JUST has a robust cash generating business
model
CFO (INR m)
Free cash flows (INR m)
2,171
1,330
1,121
1,165
1,764
1,364
2,266
1,866
957
726
1,023
662
0.8
FY13
FY14
FY15
FY16E
FY17E
FY12
FY13
FY14
FY15
FY16E
FY17E
Source: Company, MOSL
Source: Company, MOSL
14 December 2015
5

Just Dial
Key assumptions
Exhibit 15: Annual metrics
Particulars
No of business listings (m)
No of campaigns
Paid campaigns as % of total listings
Average realization per campaign per year (INR)
Growth YoY
Listings growth YoY
Campaign growth YoY
Average realization growth (YoY)
FY10
FY11
120,200
2.0%
FY12
171,000
2.4%
FY13
206,500
2.3%
FY14
11.8
262,150
2.2%
FY15
15.0
331,200
2.2%
FY16E
16.5
391,050
2.4%
FY17E
19.0
455,400
2.4%
19,680
1.4%
0.0%
51.9%
21.0%
33.3%
95.4%
-21.1%
20.0%
42.3%
-11.1%
26.4%
20.8%
6.8%
29.7%
26.9%
2.4%
27.1%
10.0%
15.0%
26.3%
18.1%
16.5%
1.0%
-1.5%
0.5%
Source: Company, MOSL
Exhibit 16: Quarterly metrics
Total Campaigns (mn)
Paid Campaigns (in 000s)
Paid Campaigns as a proportion of total
campaigns
Total Campaigns (YoY)
Paid Campaigns (YoY)
2QFY14
10.1
238.6
2.4%
23%
27.1%
3QFY14
10.8
249.6
2.3%
23%
27.9%
4QFY14
11.8
262.2
2.2%
30%
26.9%
1QFY15
14.2
278.0
2.0%
49%
25.5%
2QFY15
14.5
296.1
2.0%
44%
24.1%
3QFY15
14.7
312.8
2.1%
36%
25.3%
4QFY15
15.0
331.2
2.2%
1QFY16
15.3
346.9
2.3%
2QFY16
15.8
349.8
2.2%
27%
8%
9%
26.3%
24.8%
18%
Source: Company, MOSL
14 December 2015
6

Just Dial
Financials and valuations
Consolidated - Income Statement
Y/E March
Net Sales
Change (%)
EBITDA
Margin (%)
Depreciation
EBIT
Int. and Finance Charges
Other Income - Rec.
PBT bef. EO Exp.
EO Expense/(Income)
PBT after EO Exp.
Current Tax
Deferred Tax
Tax Rate (%)
Reported PAT
PAT Adj for EO items
Change (%)
Margin (%)
FY11
1,839
40.5
454
24.7
68
386
0
37
423
0
423
120
8
30.2
295
295
22.7
16.1
FY12
2,621
42.5
672
25.7
90
582
0
132
713
0
713
206
3
29.3
504
504
70.7
19.2
FY13
3,628
38.4
1,007
27.8
144
863
0
136
1,000
15
984
281
19
30.4
685
700
38.8
19.3
FY14
4,613
27.2
1,422
30.8
173
1,249
0
399
1,649
0
1,649
434
9
26.8
1,206
1,206
72.3
26.1
FY15
5,898
27.9
1,657
28.1
241
1,416
0
489
1,904
0
1,904
555
-39
27.1
1,388
1,388
15.1
23.5
FY16E
7,072
19.9
1,697
24.0
324
1,373
0
494
1,867
0
1,867
504
0
27.0
1,363
1,363
-1.8
19.3
(INR Million)
FY17E
8,629
22.0
1,851
21.5
381
1,470
0
543
2,014
0
2,014
604
0
30.0
1,409
1,409
3.4
16.3
Consolidated - Balance Sheet
Y/E March
Equity Share Capital
Total Reserves
Net Worth
Total Loans
Capital Employed
Gross Block
Less: Accum. Deprn.
Net Fixed Assets
Capital WIP
Total Investments
Curr. Assets, Loans&Adv.
Inventory
Account Receivables
Cash and Bank Balance
Loans and Advances
Curr. Liability & Prov.
Account Payables
Provisions
Net Current Assets
Appl. of Funds
E: MOSL Estimates
FY11
521
433
954
1
956
441
170
272
0
1,182
448
0
1
196
251
959
938
21
-511
956
FY12
531
542
1,072
0
1,072
600
251
348
12
1,568
540
0
0
237
303
1,405
1,392
13
-865
1,072
FY13
695
3,564
4,259
0
4,269
995
388
608
16
4,858
593
0
9
239
345
1,806
1,787
18
-1,213
4,269
FY14
702
4,643
5,344
0
5,363
1,080
552
528
0
6,257
865
0
0
370
495
2,287
2,103
184
-1,422
5,363
FY15
705
6,029
6,733
0
6,733
1,706
785
922
0
7,722
979
0
1
422
556
2,912
2,703
209
-1,933
6,734
(INR Million)
FY16E
694
5,596
6,290
0
6,290
2,106
1,109
997
0
7,272
1,098
0
1
430
667
3,100
2,829
272
-2,003
6,290
FY17E
694
6,844
7,538
0
7,538
2,506
1,489
1,017
0
7,272
2,936
0
1
2,135
801
3,710
3,357
353
-774
7,539
14 December 2015
7

Just Dial
Financials and valuations
Ratios
Y/E March
Basic (INR)
EPS
Cash EPS
BV/Share
DPS
Payout (%)
Valuation (x)
P/E
Cash P/E
P/BV
EV/Sales
EV/EBITDA
Dividend Yield (%)
Return Ratios (%)
RoE
RoCE
Working Capital Ratios
Asset Turnover (x)
Debtor (Days)
Creditor (Days)
Working Capital Turnover (Days)
Leverage Ratio (x)
Current Ratio
Debt/Equity
FY11
5.7
7.0
15.2
0.0
0.0
FY12
9.5
11.2
16.5
0.0
0.0
FY13
10.1
12.1
61.3
0.0
0.0
FY14
17.2
19.7
76.2
2.6
13.6
52.1
45.6
11.8
13.5
43.9
0.3
36.8
52.6
1.9
0
186
-140
0.5
0.0
49.8
70.4
2.4
0
194
-154
0.4
0.0
26.3
37.5
0.8
1
180
-146
0.3
0.0
25.1
34.3
0.9
0
166
-142
0.4
0.0
FY15
19.7
23.1
95.5
2.7
12.2
45.5
38.8
9.4
10.6
37.7
0.3
23.0
31.5
0.9
0
167
-146
0.3
0.0
FY16E
19.6
24.3
90.6
2.6
11.8
45.6
36.9
9.9
8.8
36.8
0.3
20.9
28.7
1.1
0
146
-126
0.4
0.0
FY17E
20.3
25.8
108.6
2.6
11.4
44.1
34.8
8.3
7.0
32.8
0.3
20.4
29.1
1.1
0
142
-123
0.8
0.0
Consolidated - Cash Flow Statement
Y/E March
NP/ (Loss) Before Tax and EO Items
Depreciation
Direct Taxes Paid
(Inc)/Dec in WC
CF from Operations
EO Expense
CF from Operating incl EO
(inc)/dec in FA
Free Cash Flow
(Pur)/Sale of Investments
Others
CF from Investments
Dividend Paid
CF from Fin. Activity
Inc/Dec of Cash
Add: Beginning Balance
Closing Balance
E: MOSL Estimates
FY11
423
68
-133
256
614
-13
601
-176
426
-377
45
-508
0
-12
82
114
196
FY12
713
90
-209
444
1,039
-82
957
-231
727
-1,091
112
-1,209
0
293
41
196
237
FY13
984
144
-307
314
1,135
-112
1,023
-361
662
-3,188
14
-3,535
0
2,514
2
237
239
FY14
1,649
173
-433
327
1,716
-386
1,330
-208
1,122
-1,051
18
-1,241
0
41
130
239
370
FY15
1,905
241
-560
585
2,171
-327
1,844
-680
1,165
-899
-7
-1,585
-164
-207
52
370
422
FY16E
1,867
324
-504
78
1,764
0
1,764
-400
1,364
450
0
50
-161
-1,806
8
422
430
(INR Million)
FY17E
2,014
381
-604
476
2,266
0
2,266
-400
1,866
0
0
-400
-161
-161
1,705
430
2,135
14 December 2015
8

Just Dial
Corporate profile: Just Dial
Company description
Just Dial Ltd (JUST) is one of the leading local
search engines in India. It provides users with
information and user reviews from its database of
local businesses, products and services across
India. Its search service is available to users
through multiple platforms: Internet, mobile
Internet, telephone (voice) and text (SMS). JDL is a
well known and established brand on the Internet
and through its easy to remember phone numbers
(88888 88888 and 6999 9999) and user friendly
mobile phone interface, it attained significant mind
share with users for their local search needs.
Exhibit 18: Shareholding pattern (%)
Jun-15
Promoter
DII
FII
Others
32.6
6.6
36.1
24.8
Mar-15
32.6
6.2
38.7
22.5
Jun-14
33.0
4.6
26.6
35.8
Exhibit 17: Sensex rebased
Exhibit 19: Top holders
Holder Name
Saif II Mauritius Company Limited
Sequoia Capital India Investments III
SCI Growth Investments II
Sequoia Capital India Growth Investment Holdings I
Fidelity Investment Trust - Fidelity Diversified
% Holding
8.6
4.7
4.3
4.3
3.3
Note: FII Includes depository receipts
Exhibit 20: Top management
Name
Venkatachalam Sthanu Subramani
Designation
Managing Director
Exhibit 21: Directors
Name
Venkatachalam Sthanu Subramani
Sanjay Bahadur
Malcolm Monteiro
Anand Balasundaram
Name
Shailendra Jit Singh
Ravi Chandra Adusumalli
Ramani Iyer
Venkata Challam Krishnan
*Independent
Exhibit 22: Auditors
Name
S R Batliboi & Associates LLP
V B Kondalkar & Associates
Type
Statutory
Secretarial Audit
Exhibit 23: MOSL forecast v/s consensus
EPS
(INR)
FY16
FY17
MOSL
forecast
19.6
20.3
Consensus
forecast
20.0
25.9
Variation
(%)
-1.8
-21.7
14 December 2015
9

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14 December 2015
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