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

₹ 315 0.53%
13 Nov - 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 ₹ 800 Cr.
  • Current Price ₹ 315
  • High / Low ₹ 366 / 216
  • Stock P/E 26.2
  • Book Value ₹ 75.4
  • Dividend Yield 0.00 %
  • ROCE 27.3 %
  • ROE 23.0 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 34.1% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 26.5%

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company might be capitalizing the interest cost

* 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

Consolidated Figures in Rs. Crores / View Standalone

Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
220 244 214 250 222 258 239 270 278
208 233 205 238 208 241 223 259 264
Operating Profit 12 11 9 12 13 17 16 11 14
OPM % 5% 4.6% 4.2% 4.7% 6% 6% 7% 3.9% 5.0%
1 1 3 1 2 1 1 1 5
Interest 1 0 1 1 0 1 1 1 1
Depreciation 3 4 4 4 4 4 5 4 4
Profit before tax 9 8 7 8 12 13 12 7 14
Tax % 27% 21% 25% 27% 25% 24% 27% 27% 26%
7 6 5 6 9 10 8 5 10
EPS in Rs 2.45 2.10 1.83 2.08 3.14 3.34 3.03 1.81 3.96
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
134 188 1,067 935 917 968 1,045
124 181 1,059 923 880 910 988
Operating Profit 10 7 7 12 37 58 57
OPM % 7% 3.9% 0.7% 1.3% 4.0% 6% 5%
2 2 3 7 6 5 8
Interest 0 1 1 3 2 2 2
Depreciation 1 1 2 4 15 17 18
Profit before tax 10 8 7 13 27 44 45
Tax % 26% 29% 25% 24% 25% 26%
7 6 5 10 20 32 33
EPS in Rs 4.19 2.94 3.03 5.80 8.06 12.94 12.14
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 49%
3 Years: -3%
TTM: 12%
Compounded Profit Growth
10 Years: %
5 Years: 34%
3 Years: 82%
TTM: 34%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -13%
Return on Equity
10 Years: %
5 Years: 28%
3 Years: 26%
Last Year: 23%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 0.10 0.10 0.10 18 25 25 25
Reserves 8 13 20 13 87 145 166
17 12 19 32 18 29 51
80 92 85 126 150 162 207
Total Liabilities 105 117 125 191 279 361 449
8 10 17 40 53 56 71
CWIP 3 4 3 7 4 4 0
Investments 2 0 1 0 0 2 2
92 103 105 143 222 298 376
Total Assets 105 117 125 191 279 361 449

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
5 20 -20 47 30 -17
-13 -0 -8 -26 -31 -39
14 -6 8 7 46 39
Net Cash Flow 6 14 -20 28 45 -17
Free Cash Flow -5 16 -27 18 7 -34
CFO/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit 84% 329% -203% 398% 98% -11%

Ratios

Consolidated / View Standalone

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 22 24 5 11 13 20
Inventory Days 42 35 2 3 6 5
Days Payable 34 18 1 3 1 7
Cash Conversion Cycle 30 41 6 11 18 18
Working Capital Days -188 -98 -10 -27 -21 6
ROCE % 34% 24% 30% 29% 27%

Insights

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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
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 2026Sep 2026
65.34% 65.38% 65.38% 65.10% 65.11% 64.35% 64.25%
1.07% 0.29% 0.00% 0.00% 0.00% 1.17% 1.35%
3.28% 2.39% 2.48% 2.42% 2.49% 2.42% 0.72%
30.31% 31.94% 32.14% 32.48% 32.40% 32.06% 33.68%
No. of Shareholders 1,7431,3901,6711,6591,5521,5701,743

* 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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