RNFI Services Ltd

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

RNFI Services Ltd

₹ 244 -9.71%
11 Jun 3:52 p.m.
Company website 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 ₹ 608 Cr.
  • Current Price ₹ 244
  • High / Low ₹ 321 / 110
  • Stock P/E 33.4
  • Book Value ₹ 44.9
  • Dividend Yield 0.00 %
  • ROCE 29.4 %
  • ROE 25.3 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company has a good return on equity (ROE) track record: 3 Years ROE 28.9%

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend

* 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

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Half Yearly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2023 Mar 2024 Sep 2024 Mar 2025
527 408 458 459
520 404 442 438
Operating Profit 8 4 17 20
OPM % 1% 1% 4% 4%
3 4 3 4
Interest 2 1 1 1
Depreciation 1 3 6 8
Profit before tax 8 5 12 15
Tax % 30% 14% 27% 23%
6 4 9 11
EPS in Rs 561.09 2.64 3.36 3.93
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
134 188 1,067 935 917
124 181 1,059 923 880
Operating Profit 10 7 7 12 37
OPM % 7% 4% 1% 1% 4%
2 2 3 7 7
Interest 0 1 1 3 2
Depreciation 1 1 2 4 15
Profit before tax 10 8 7 13 27
Tax % 26% 29% 25% 24% 25%
7 6 5 10 20
EPS in Rs 746.00 523.00 539.00 5.84 7.29
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 70%
TTM: -2%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 51%
TTM: 78%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 29%
Last Year: 25%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 0.10 0.10 0.10 18 25
Reserves 8 13 20 14 87
17 12 19 32 18
80 92 85 126 150
Total Liabilities 105 117 125 191 279
8 10 17 40 57
CWIP 3 4 3 7 0
Investments 2 0 1 0 0
92 103 105 143 222
Total Assets 105 117 125 191 279

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
5 20 -20 47 30
-13 -0 -8 -26 -31
14 -6 8 7 46
Net Cash Flow 6 14 -20 28 45

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 22 24 5 11 13
Inventory Days 42 35 2 2
Days Payable 34 18 1 3
Cash Conversion Cycle 30 41 6 11 13
Working Capital Days -143 -91 -7 -21 -19
ROCE % 34% 24% 30% 29%

Shareholding Pattern

Numbers in percentages

Sep 2024Mar 2025
65.34% 65.38%
1.07% 0.29%
3.28% 2.39%
30.31% 31.94%
No. of Shareholders 1,7431,390

* 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

Concalls