Variance key
Favourable
Adverse (<5%)
Adverse (≥5%)
Each line shows the variance vs. last month and vs. budget, in USD and %. Cost, debt and impairment items are scored inversely.
I
Topline Performance Drivers
GMV with Unit Sales & ASP; Disbursements split by Retail and Dealer financing.II
Historical Trends
Last six months. Toggle between USD value and % contribution to total.Loans & Advances by Country
Loans & Advances outstanding, USD
Loans & Advances by Book Type
Banking Partners vs. Gari (own), USD
GMV by Country
Gross Merchandise Value, USD
GMV by Product Type
Vehicles & value-added products, USD
GMV by Channel
Financed vs. Non-Financed, USD
GMV by VAPs (Excl. Vehicles)
Hover for take-up rate & # contracts
III
Funnel Performance
Dealer activity and pipeline conversion metrics over the last six months.Dealer Activity
Total, Active and Originating Dealers; Dealer Originated Sales
Penetration & Conversion
Penetration = Active / Total Dealers; Conversion = Loans / Applications
IV
Geographical Footprint
Operating markets shaded by loan book size. Hover for a snapshot; click for full detail.Markets of Operation
Shaded by NPV (loan book) — darker = larger book; MC, EG, SA have no Gari book
Grey countries are outside Autochek's current footprint. All metrics are USD-equivalent, with per-market Gross Revenue, EBITDA and Net Income converted from local currency at the month's FX rate.
V
P&L Overview
Group income statement. Click a line to drill down; superscripts link to notes below.
Last 3 months · budget · variances
| Line ItemAll figures in $k unless stated otherwise | Feb26 | Mar26 | Apr26 | Budget | MOM | MOM % | BGT | BGT % |
|---|
Notes to the P&L
VI
EBITDA Bridge
From budgeted to actual EBITDA, by driver. Notes at right.Budget → Actual EBITDA
USD thousands
Key drivers of budget variance
VII
EBITDA Deviation by Market
Actual vs budget EBITDA contribution per market. Click Operating/Non-Operating to drill down. Notes appended below.| Market | Apr26 (A) | Apr26 (B) | Deviation | Contribution |
|---|