RNFI Services Ltd

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RNFI Services Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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RNFI Services Ltd

₹ 303 -2.15%
01 Oct - close price
rnfiservices.com NSE - SME: RNFI
About

Incorporated in 2015, RNFI Services Ltd is a fintech firm that offers B2B and B2B2C solutions through its online portal and mobile application.[1]

Key Points

Business Overview:[1]
RNFISL operates as a business correspondent for various banks and payment banks. It offers services such as domestic money transfers, IMPS, Aadhaar Enabled Payment System (AEPS), mobile recharges, railway and air ticket bookings, cash management, EMI collection, and related services through a nationwide network of retailers, distributors, partners, and super distributors.

Website NSE - SM
  • Market Cap ₹ 770 Cr.
  • Current Price ₹ 303
  • High / Low ₹ 388 / 216
  • Stock P/E 39.9
  • Book Value ₹ 57.6
  • Dividend Yield 0.00 %
  • ROCE 20.4 %
  • ROE 16.1 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 22.8% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -0.76%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Other Financial Services

Part of Nifty SME Emerge

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
68.73 76.44 69.93 66.46 68.41 75.06 79.17 78.26
61.14 69.60 63.82 59.30 59.29 65.26 68.93 71.68
Operating Profit 7.59 6.84 6.11 7.16 9.12 9.80 10.24 6.58
OPM % 11.04% 8.95% 8.74% 10.77% 13.33% 13.06% 12.93% 8.41%
1.64 1.42 2.24 1.15 1.46 1.30 1.04 1.04
Interest 0.46 0.43 0.42 0.47 0.29 0.33 0.34 0.37
Depreciation 2.67 3.04 3.46 2.42 2.61 3.33 3.91 2.66
Profit before tax 6.10 4.79 4.47 5.42 7.68 7.44 7.03 4.59
Tax % 24.43% 24.84% 20.58% 24.54% 24.22% 24.46% 34.57% 28.54%
4.60 3.60 3.55 4.09 5.82 5.61 4.60 3.28
EPS in Rs 1.84 1.44 1.42 1.64 2.33 2.24 1.84 1.29
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
134 152 145 146 275 289 301
125 146 137 137 251 253 265
Operating Profit 9 6 7 9 25 36 36
OPM % 7% 3.7% 5% 6% 9% 13% 12%
2 2 3 7 7 5 5
Interest 0 0 1 2 2 1 1
Depreciation 0 1 1 2 11 12 13
Profit before tax 10 7 8 12 18 28 27
Tax % 27% 27% 24% 23% 23% 27%
7 5 6 9 14 20 19
EPS in Rs 720.00 538.00 633.00 5.05 5.66 8.03 7.70
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 17%
3 Years: 26%
TTM: 7%
Compounded Profit Growth
10 Years: %
5 Years: 23%
3 Years: 47%
TTM: 22%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -19%
Return on Equity
10 Years: %
5 Years: 23%
3 Years: 20%
Last Year: 16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 0.10 0.10 0.10 18 25 25
Reserves 8 13 19 11 81 119
16 5 14 29 15 19
77 81 65 91 97 109
Total Liabilities 101 99 99 149 217 272
7 7 15 31 41 44
CWIP 3 4 1 1 0 0
Investments 3 3 20 6 17 20
88 85 64 111 159 208
Total Assets 101 99 99 149 217 272

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
23 1 -22 28 17 -3
-9 -0 -12 -18 -36 -16
14 -12 9 12 46 20
Net Cash Flow 28 -11 -25 23 27 1
Free Cash Flow 13 -0 -22 9 -3 -16
CFO/OP 283% 60% -274% 338% 87% 5%

Ratios

Standalone / View Consolidated

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 14 18 13 61 23 33
Inventory Days 41 18 11 19
Days Payable 37 33 5 141
Cash Conversion Cycle 19 4 20 -61 23 33
Working Capital Days -191 -153 -90 -113 -37 23
ROCE % 37% 36% 31% 23% 20%

Insights

In beta
Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Total Partners / Clients
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Active Sahayaks (Merchant Touchpoints)
count
Average Revenue Per Sahayak (ARPU per month)
INR per month
AePS Throughput Volume
INR Crore
DMT Throughput Volume
INR Crore
Sahayaks with 4 or more Products (Cross-sell Depth)
count

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Shareholding Pattern

Numbers in percentages

Sep 2024Mar 2025Sep 2025Dec 2025Mar 2026Jun 2026
65.34% 65.38% 65.38% 65.10% 65.11% 64.35%
1.07% 0.29% 0.00% 0.00% 0.00% 1.17%
3.28% 2.39% 2.48% 2.42% 2.49% 2.42%
30.31% 31.94% 32.14% 32.48% 32.40% 32.06%
No. of Shareholders 1,7431,3901,6711,6591,5521,570

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

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