RNFI Services Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Non Business Correspondent: 54.1% • Business Correspondent: 42.0% • Others: 3.9%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has a healthy return on capital (ROCE) of 33.1%
- Company has a good return on equity (ROE) track record: 3 Years ROE 32.2%
- Operating margins have improved to 9.7% from 6.1%
- Company maintains a comfortable, low leverage position
- Company converts assets efficiently - asset turnover of 1.5x
CONS
- A large part of profit comes from other income (37.3% of PBT)
- Working capital days have increased from 5 to 76 days
- Stock is trading at 5.1x its book value
- Inventory has been piling up - inventory days up from 2 to 2
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| GROWW | 194.60 | 50.04 | 122084.19 | 0.00 | 7350.40 | — | 15014.20 | 1560.13 | 37.54 | 64.60 |
| PAYTM | 1752.25 | 172.96 | 112425.73 | 0.00 | 220.00 | 79.59 | 2448.00 | 27.67 | 3.87 | 8.29 |
| POLICYBZR | 1799.30 | 111.26 | 83252.69 | 0.00 | 1629.10 | 1824.51 | 18882.80 | 1300.81 | 10.84 | 7.24 |
| PINELABS | 175.10 | 158.72 | 20204.06 | 0.00 | 195.70 | 3985.59 | 7369.20 | 1096.47 | 4.21 | 12.88 |
| STYL | 388.55 | 23.83 | 6286.97 | 0.64 | 60.34 | 63.78 | 376.47 | 21.10 | 28.03 | 23.21 |
| CCAVENUE | 15.41 | 18.33 | 5387.98 | 0.00 | 84.77 | 45.08 | 2680.40 | 109.37 | 7.98 | 3.80 |
| TURTLEMINT | 134.55 | 0.00 | 3962.21 | 0.00 | -377.80 | — | 2940.80 | — | -38.38 | -11.20 |
| MOBIKWIK | 195.30 | 0.00 | 1537.93 | 0.00 | 7.62 | 118.17 | 281.48 | 3.73 | 8.02 | 2.88 |
| RNFI | 324.05 | 28.95 | 821.69 | 0.00 | 50.59 | 776.62 | 2699.11 | 981.41 | 32.79 | 3.94 |
| SUVIDHAA | 2.43 | 0.00 | 50.98 | 0.00 | -1.91 | 55.58 | 2.40 | 135.29 | -32.85 | -70.42 |
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 | |
|---|---|---|---|---|---|---|---|---|
| 69 | 76 | 70 | 66 | 68 | 75 | 79 | 78 | |
| 61 | 70 | 64 | 62 | 59 | 65 | 69 | 75 | |
| Operating Profit | 8 | 7 | 6 | 4 | 9 | 10 | 10 | 4 |
| OPM % | 11.04% | 8.92% | 8.74% | 6.42% | 13.33% | 13.06% | 12.93% | 4.54% |
| 2 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 3 | 3 | 2 | 3 | 3 | 4 | 3 |
| Profit before Tax | 6 | 5 | 4 | 5 | 8 | 7 | 7 | 5 |
| Tax % | 24.59% | 24.84% | 20.58% | 24.49% | 24.22% | 24.50% | 34.57% | 28.59% |
| Net Profit | 5 | 4 | 4 | 4 | 6 | 6 | 5 | 3 |
| 2.23 | 1.63 | 1.56 | 1.64 | 2.33 | 2.25 | 1.84 | 1.30 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|
| 152 | 145 | 146 | 275 | 301 | |
| 145 | 136 | 136 | 249 | 268 | |
| Operating Profit | 7 | 9 | 10 | 27 | 33 |
| OPM % | 4.40% | 6.32% | 6.77% | 9.67% | 10.87% |
| 3 | 3 | 8 | 7 | 5 | |
| Interest | 1 | 2 | 3 | 4 | 1 |
| Depreciation | 1 | 2 | 2 | 11 | 13 |
| Profit before Tax | 7 | 8 | 12 | 18 | 27 |
| Tax % | 26.63% | 24.68% | 22.80% | 23.37% | 27.77% |
| Net Profit | 5 | 6 | 9 | 14 | 19 |
| EPS | 0.00 | 3.49 | 5.05 | 5.66 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 22%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 38%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- 15%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 32%
- Last Year:
- 21%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Equity Capital | 0 | 0 | 18 | 25 |
| 13 | 19 | 11 | 81 | |
| 5 | 12 | 27 | 14 | |
| Trade Payables | 2 | 0 | 4 | 1 |
| 79 | 67 | 90 | 96 | |
| Total Liabilities | 99 | 99 | 149 | 217 |
| 7 | 3 | 19 | 25 | |
| Capital Work in Progress | 4 | 0 | 0 | 0 |
| 12 | 5 | 6 | 17 | |
| 1 | 1 | 0 | 3 | |
| 0 | 0 | 24 | 17 | |
| Cash & Bank | 50 | 24 | 47 | 85 |
| 24 | 66 | 52 | 69 | |
| Total Assets | 99 | 99 | 149 | 217 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| 3 | -25 | 28 | 21 | |
| Cash from Investing | -0 | -6 | -18 | -40 |
| Cash from Financing | -12 | 8 | 13 | 46 |
| -11 | -26 | 23 | 27 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for RNFI
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RNFI Services Ltd.
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