Financial Models
Unit Economics, P&L Projections & Scenario Analysis
Scenario:
LTV:CAC Ratio
20x
Target: >10x (Excellent)
User LTV
AED 360
24-month lifetime value
User CAC
AED 18
Blended acquisition cost
Payback Period
1 months
Time to recover CAC
User Unit Economics
Transaction Metrics
Avg Transactions/Month4 txns
Avg Transaction ValueAED 100
Avg Cashback Rate3%
Avg Cashback/TransactionAED 3
Monthly GMV/UserAED 400
Annual GMV/UserAED 4,800
LTV Calculation
Monthly GMV/UserAED 400 (100 AOV × 4 txns)
Net Take Rate (Nuqta)5% (of 8% total)
Monthly ARPUAED 20
Average Lifetime18 months
LTVAED 360
LTV = GMV × Net Take Rate × Lifetime = 400 × 5% × 18
Healthy Economics
LTV:CAC of 20x far exceeds the 3x minimum threshold, indicating strong unit economics and capital efficiency.
Merchant Unit Economics
Revenue Metrics
Merchant CACAED 150
Avg Commission Rate8%
Avg Monthly GMVAED 50,000
Avg Monthly RevenueAED 250
Merchant Churn Rate5%/month
Avg Lifetime24 months
Merchant LTV Calculation
Monthly Revenue (Nuqta net)AED 250
Average Lifetime24 months
Merchant LTVAED 6,000
40x
LTV:CAC Ratio
<1 mo
Payback Period