25 February 2016
Update | Sector: Technology
Just Dial
Buy
BSE SENSEX
22,976
S&P CNX
6,971
CMP: INR537
TP: INR830 (+55%)
JD Omni and improved Search Plus launched; sets stage for next leg of
growth
Bloomberg
Equity Shares (m)
M.Cap.(INRb)/(USDb)
52-Week Range (INR)
1, 6, 12 Rel. Per (%)
Avg Val, (INR m)
Free float (%)
JUST IN
70.5
37.9/ 0.6
1,455/378
-26/-22/-39
699
67.4
We attended the launch of JD Omni and improved Search Plus, key
highlights of which were as follows:
Financials & Valuation (INR b)
Y/E Mar
2016E 2017E 2018E
Sales
7.0
8.5
10.5
EBITDA
1.7
1.5
2.4
NP
1.3
1.2
1.8
EPS (INR)
19.3
16.7
25.9
EPS Gr. (%)
-1.8 -13.9
55.2
BV/Sh (INR)
90.3 104.7 127.6
RoE (%)
20.7
17.1
22.3
JD Omni to be high margin business
RoCE (%)
28.3
24.4
31.8
Management commented that costs for
P/E (x)
27.8
32.2
20.8
frontloaded (~INR120-150m incurred in
P/BV (x)
5.9
5.1
4.2
JD Omni takes hyper local to the next level, makes every SME an e-tailer
JUST unveiled the new JD Omni app, which is a digital business manager by
providing vendors with their own ecommerce portal, app, dashboard with financial
parameters (along with a monthly comparison), inventory management system
along with payment integration, making it the complete enterprise solutions. In a
nutshell, it helps traders come online with their businesses and sell directly to
consumers, apart from assisting in supply chain management. Pricing of the first
version is INR20,000 as setup cost and a monthly fee of INR2,000. Close to 1,500
SMEs have already signed for the same, including 500 opting for the upfront fee
model. Upfront fee is ~INR120,000, however the introductory fees for the 500
opting for it was INR65,000. The ones opting for upfront free model get access to
only the first version and AMC for five years. JD Omni will cater to both segments –
retail and services, as well as B2B and not just B2C. At the vendor end, the app
interface is similar to Search Plus version.
JD Omni and Search Plus has been
9mFY16), hence gross margins are
expected to be high. Subsequently, JUST will incur sales related cost like cost of
hosting website, app, marketing and employee cost. As per management, EBITDA
margins are expected to be 70-75%. It is also planning to hire 500 dedicated feet on
street sales personnel and 500 tele marketing personnel by March 2016, especially
for JD Omni. JD Omni and Search Plus will be synergistic with the existing Search
business by transacting and managing vendors’ inventory and logistics, and
providing them with a domain.
Search Plus upgrade launched
JUST also upgraded the version of Search Plus which saw addition of key features in
the form of search through voice commands, cab bookings through Uber, Ola, and
Easy Cabs integrated into Just Dial, IRCTC feature for booking of train tickets, and
added scheduling for repairs services. While booking for Ola is back ended into JD
app itself, Uber interface is integrated to the Uber app. It has also enhanced hyper
local search features with price comparison of local and leading ecommerce
portals, apart from UI/UX improvement. It will be launching voice commands for
Indian languages also soon. The app also now has its own inbuilt maps in one single
app. Management highlighted that it is generating revenue from unique product
categories that don’t have vertical apps. It will be soon introducing one tap pay
option through PayUMoney soon, without a need of wallet, through connected
cards and introducing JD hyper local logistics, in top cities of India. Management
highlighted that evangelists campaign with 1000 personnel pan India will begin
soon.
Estimate change
TP change
Rating change
Niket Shah
(Niket.Shah@MotilalOswal.com); +91 22 3982 5426
Chintan Modi
(Chintan.Modi@MotilalOswal.com); +912239825422/Kaustubh
Kale
(Kaustubh.Kale@MotilalOswal.com); +912230102498
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 Social – a social network with commercial intent to be launched soon
JUST plans to launch a 'JD social' feature which will have the feel of a social
networking website but help commercially. It will enable the user to interact with
his friends, use function of checking in, upload photos, like and comment on his
friends activities through Just Dial apart from their reviews and ratings.
Valuation and view
We expect 21% revenue CAGR and 9% profit CAGR over FY15-18. We believe, its
recent launch of JD Omni and Search Plus will provide new avenues of growth for
coming years. However, the evangelists and ad campaigns shall prove to be the key
to success of both JD Omni and Search Plus. Maintain
Buy
with a TP of INR830, 32x
FY18E EPS.
25 February 2016
2

Just Dial
Exhibit 1: Signing up on JD Omni takes five minutes in a three step process
Source: MOSL, Company
Exhibit 2: Signing up on JD Omni takes five minutes in a three step process
Source: MOSL, Company
25 February 2016
3

Just Dial
Exhibit 3: Pre-populated retailer types which allows ease of registering
Source: MOSL, Company
Exhibit 4: JD Omni offers host of features (as enlisted) to do business digitally
Source: MOSL, Company
25 February 2016
4

Just Dial
Valuation and view
We value JUST at 32x FY18E EPS, 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 16.1m listings spread across ~2,000 Indian cities as
on 3QFY16, 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 16.1m 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 5: Price to earnings (one year forward)
90
75
60
45
30
62.1
P/E (x)
2 Yrs Avg(x)
Exhibit 6: Price to book (one year forward)
20.0
16.0
12.0
8.0
4.0
4.0
12.7
P/B (x)
2 Yrs Avg(x)
Source: MOSL, Company
Source: MOSL, Company
We value the stock at 32x FY18E EPS and arrive at a target price of INR830. Maintain
Buy
rating.
25 February 2016
5

Just Dial
Story in charts
Exhibit 7: Total number of business listings
No of business listings (m)
16.5
19.0
2.0
1.4
21.8
Exhibit 8: Paid campaigns as a % of total listings
No of campaigns (in 000s)
Paid campaigns as % of total listings
2.4
2.3
2.2
2.2
2.3
2.4
2.5
15.0
11.8
4.5
6.0
7.2
9.1
62
FY10 FY11 FY12 FY13 FY14 FY15 FY16E FY17E FY18E
Source: MOSL, Company
FY10
120
FY11
171
FY12
207
FY13
262
FY14
331
380
455
546
FY15 FY16E FY17E FY18E
Source: MOSL, Company
Exhibit 9: Premium listing continue to rise
Number of campaigns (in 000s)
25
24
23
22
207
FY13
261
331
380
455
Premium listings %
26
Exhibit 10: 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
0.5
-11.1
-21.1
FY15
FY16E
FY17E
FY14
FY10
FY11
FY12
FY13
FY14
FY15 FY16E FY17E FY18E
Source: MOSL, Company
Source: MOSL, Company
Exhibit 11: Search Plus to drive e-commerce sales for JUST
India's e-commerce market for physical goods (USD b)
8.6
Exhibit 12: JUST has a robust cash generating business
model
CFO (INR m)
Free cash flows (INR m)
2,959
5.3
3.2
2.0
0.8
FY13
FY14
FY15
FY16E
FY17E
957
726
FY12
1,023
662
FY13
1,330
1,121
FY14
2,171
1,699
2,015
2,559
1,165
FY15
1,299
FY16E
1,615
FY17E
FY18E
Source: MOSL, Company
Source: MOSL, Company
25 February 2016
6

Just Dial
Key assumptions
Exhibit 13: 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
FY12
FY13
FY14
FY15
FY16E
FY17E
FY18E
4.5
6.0
7.2
9.1
11.8
15.0
16.5
19.0
21.8
61,500 120,200 171,000 206,500 262,150 331,200 379,500 455,400 545,531
1.4%
2.0%
2.4%
2.3%
2.2%
2.2%
2.3%
2.4%
2.5%
25,668 20,246 17,999 19,219 19,686 19,880 19,582 19,680 19,778
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%
26.3%
1.0%
10.0%
14.6%
-1.5%
15.0%
20.0%
0.5%
15.0%
19.8%
0.5%
Source: Company, MOSL
Exhibit 14: Quarterly metrics
Total Campaigns (mn)
Paid Campaigns (in 000s)
Paid Campaigns as a proportion of total
campaigns
Total Campaigns (YoY)
Paid Campaigns (YoY)
2QFY14 3QFY14 4QFY14
10.1
10.8
11.8
238.6
249.6
262.2
2.4%
23%
27.1%
2.3%
23%
27.9%
2.2%
30%
26.9%
1QFY15 2QFY15 3QFY15 4QFY15 1QFY16 2QFY16 3QFY16
161
14.2
14.5
14.7
15.0
15.3
15.8
354.9
278.0
296.1
312.8
331.2
346.9
349.8
2.0%
49%
25.5%
2.0%
44%
24.1%
2.1%
36%
25.3%
2.2%
27%
26.3%
2.3%
8%
24.8%
2.2%
9%
18.1%
2.2%
10%
13.5%
Source: Company, MOSL
25 February 2016
7

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 after EO Exp.
Current Tax
Deferred Tax
Tax Rate (%)
Reported PAT
PAT Adj for EO items
Change (%)
Margin (%)
FY12
2,621
42.5
672
25.7
90
582
0
132
713
206
3
29.3
504
504
70.7
19.2
FY13
3,628
38.4
1,007
27.8
144
863
0
136
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
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
555
-39
27.1
1,388
1,388
15.1
23.5
FY16E
6,959
18.0
1,670
24.0
324
1,346
0
494
1,840
497
0
27.0
1,343
1,343
-3.3
19.3
FY17E
8,515
22.4
1,490
17.5
381
1,110
0
543
1,653
496
0
30.0
1,157
1,157
-13.9
13.6
(INR Million)
FY18E
10,498
23.3
2,415
23.0
447
1,968
0
597
2,566
770
0
30.0
1,796
1,796
55.2
17.1
Consolidated - Balance Sheet
Y/E March
Equity Share Capital
Total Reserves
Net Worth
Deferred Liabilities
Total Loans
Capital Employed
Gross Block
Less: Accum. Deprn.
Net Fixed Assets
Capital WIP
Total Investments
Curr. Assets, Loans&Adv.
Account Receivables
Cash and Bank Balance
Loans and Advances
Curr. Liability & Prov.
Account Payables
Provisions
Net Current Assets
Appl. of Funds
E: MOSL Estimates; * Adjusted for treasury stocks
FY12
531
542
1,072
0
0
1,072
600
251
348
12
1,568
540
0
237
303
1,405
1,392
13
-865
1,072
FY13
695
3,564
4,259
9
0
4,269
995
388
608
16
4,858
593
9
239
345
1,806
1,787
18
-1,213
4,269
FY14
702
4,643
5,344
18
0
5,363
1,080
552
528
0
6,257
865
0
370
495
2,287
2,103
184
-1,422
5,363
FY15
705
6,029
6,733
0
0
6,733
1,706
785
922
0
7,722
979
1
422
556
2,912
2,703
209
-1,933
6,734
FY16E
694
5,576
6,270
0
0
6,270
2,106
1,109
997
0
7,272
1,033
0
365
667
3,055
2,783
272
-2,022
6,270
FY17E
694
6,572
7,266
0
0
7,266
2,506
1,489
1,017
0
7,272
2,620
1
1,818
801
3,666
3,313
353
-1,046
7,266
(INR Million)
FY18E
694
8,166
8,861
0
0
8,861
2,906
1,936
970
0
7,272
5,138
1
4,176
961
4,543
4,084
459
595
8,861
25 February 2016
8

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
Fixed Asset Turnover (x)
Asset Turnover (x)
Debtor (Days)
Creditor (Days)
Working Capital Turnover (Days)
Leverage Ratio (x)
Current Ratio
Debt/Equity
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
31.2
27.3
7.0
6.7
26.2
0.5
49.8
70.4
4
2.4
0
194
-154
0.4
0.0
26.3
37.5
4
0.8
1
180
-146
0.3
0.0
25.1
34.3
4
0.9
0
166
-142
0.4
0.0
FY15
19.7
23.1
95.5
2.7
12.2
27.3
23.2
5.6
5.0
22.5
0.5
23.0
31.5
3
0.9
0
167
-146
0.3
0.0
FY16E
19.3
24.0
90.3
2.6
12.0
27.8
22.4
5.9
4.3
22.3
0.5
20.7
28.3
3
1.1
0
146
-125
0.3
0.0
FY17E
16.7
22.1
104.7
2.6
13.9
32.2
24.3
5.1
3.4
24.1
0.5
17.1
24.4
3
1.2
0
142
-123
0.7
0.0
FY18E
25.9
32.3
127.6
3.3
11.2
20.8
16.6
4.2
2.5
13.9
0.6
22.3
31.8
4
1.2
0
142
-125
1.1
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
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
1,840
324
-497
32
1,699
0
1,699
-400
1,299
450
0
50
-161
-1,806
-57
422
365
FY17E
1,653
381
-496
477
2,015
0
2,015
-400
1,615
0
0
-400
-161
-161
1,454
365
1,818
(INR Million)
FY18E
2,566
447
-770
717
2,959
0
2,959
-400
2,559
0
0
-400
-201
-201
2,358
1,818
4,176
25 February 2016
9

Just Dial
Corporate profile
Company description
Exhibit 1: Sensex rebased
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.
Source: MOSL/Bloomberg
Exhibit 2: Shareholding pattern (%)
Promoter
DII
FII
Others
Sep-15
32.6
6.6
36.1
24.8
Jun-15
32.6
6.2
38.7
22.5
Sep-14
33.0
4.6
26.6
35.8
Exhibit 3: 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 International Fund
% Holding
8.6
4.7
4.3
4.3
3.3
Source: Capitaline
Note: FII Includes depository receipts
Source: Capitaline
Exhibit 4: Top management
Name
Venkatachalam Sthanu Subramani
Sachin Jain
Designation
Managing Director
Company Secretary
Exhibit 5: Directors
Name
Anand Balasundaram
Ramani Iyer
Sanjay Bahadur
Venkata Challam Krishnan
Name
Malcolm Monteiro
Ravi Chandra Adusumalli
Shailendra Jit Singh
Source: Capitaline
Exhibit 6: Auditors
Name
S R Batliboi & Associates LLP
V B Kondalkar & Associates
Type
Statutory
Secretarial Audit
Exhibit 7: MOSL forecast v/s consensus
EPS
(INR)
FY16
FY17
FY18
MOSL
forecast
19.3
16.7
25.9
Consensus
forecast
20.1
25.5
35.6
Variation (%)
-4.0
-34.5
-27.2
Source: Bloomberg
Source: Capitaline
25 February 2016
10

Just Dial
NOTES
25 February 2016
11

Disclosures
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Just Dial
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