RNFI Services Q1 FY27 Share Price & Earnings Call Analysis
- Market cap
- ₹825 Cr
- P/E
- 29.10
- ROE
- 23.03%
- PEG
- 0.36
- Price to sales
- 0.82
- Debt to equity
- 0.17
- 52W high / low
- ₹387 / ₹219
- Sales growth (5Y)
- 48.52%
- EBITDA margin
- 5.73%
- Net profit margin
- 3.35%
- Promoter holding
- 64.35%
- Sales (last year)
- ₹989 Cr
Incorporated in 2015, RNFI Services Ltd is a fintech firm that offers B2B and B2B2C solutions through its online portal and mobile application.[1]
Guidance scorecard · Q1 FY27 call
What RNFI Services Ltd's management guided
and where it ranks in Finance
Finance
RevenueQ1 FY27 call
20–40%- Revenue growth is expected to improve from Q2 onwards, with Q3 and Q4 projected to show substantial leaps.
- Investments in manpower, technology (especially AI-driven platforms like PaySprint), and distribution are expected to yield higher revenue and profitability in upcoming quarters.
- High-growth levers include insurance broking, delinquent loan collections, UPI cash withdrawal, and the payment orchestration platform.
- The company foresees consolidation in the BC segment, which will support volume and margin expansion.
- Expansion into mutual fund distribution and forex remittance business is planned, providing new revenue streams.
2 more points from RNFI Services Ltd's call on revenue
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MarginsQ1 FY27 call
Up 2%+See what RNFI Services Ltd said on margins — free account, 30 seconds.
CapexQ1 FY27 call
Planned- Continued investments in manpower and technology impacting immediate-term PAT and EBITDA margins, with confidence these will yield growth from Q2 onwards.
- Investment in building a Learning & Development (L&D) regional setup to train Sahayaks in vernacular languages, aiming to improve cross-selling and multi-product sales.
- Strategic investment in Payworld acquisition, currently nearing RBI approval for the smart payment license, expected to enable rapid product scaling.
- Ongoing expansion in insurance and delinquency businesses, including telemarketing and insurance point-of-sale manpower additions.
- Development of AI-driven sales automation tools and fraud prevention systems to reduce costs and improve operational efficiency.
2 more points from RNFI Services Ltd's call on capex
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FundraisingQ1 FY27 call
See what RNFI Services Ltd said on fundraising — free account, 30 seconds.
Order bookQ1 FY27 call
- The company is investing ahead of time in building capabilities and scaling distribution to prepare for industry consolidation.
- Payworld acquisition is expected to go live soon, potentially boosting product scale.
- Investment in manpower, technology, and AI is ongoing to enhance product offerings such as insurance, delinquent loan collection, remittance, and payment orchestration (PaySprint).
2 more points from RNFI Services Ltd's call on the order book
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Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.
Potential multibaggers · Q2 FY27
Potential multibaggers in Finance
on management's own guidance
- Strong growth2
- Strong growth1
- Strong growth3
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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.
Peers
Finance companies ranked on guidance
| # | Company | Revenue guided | Margin guided | Market cap | P/E |
|---|---|---|---|---|---|
| 1 | 40%+ | Up 2%+ | ₹2,742 Cr | 71.8 | |
| 2 | 40%+ | Up 2%+ | ₹464 Cr | 23.9 | |
| 3 | 40%+ | Up 0–2% | ₹961 Cr | 32.7 | |
| 4 | 40%+ | Flat | ₹23,820 Cr | 21.1 | |
| 5 | 40%+ | Flat | ₹16,498 Cr | 72.4 | |
| 6 | 40%+ | Flat | ₹15,549 Cr | — |
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Pro shows every company guiding 40%+ revenue growth →Full Finance rankingRNFI Services Ltd announcements
All announcements →- Acquisition / mergerNotableRNFI Services Limited approves acquisition of BC business undertakings for ₹212 crore
Financials of RNFI Services Ltd
Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of RNFI Services Ltd
Quarterly Results
Quarter-by-quarter operating performance
| Sep 2024 | Dec 2024 | Jun 2025 | Sep 2025 | Dec 2025 | |
|---|---|---|---|---|---|
| Sales + | 220.30 | 244.27 | 249.59 | 221.83 | 257.84 |
| Expenses + | 208.47 | 233.01 | 237.78 | 208.48 | 241.09 |
| Operating Profit | 11.83 | 11.26 | 11.81 | 13.35 | 16.75 |
| OPM % | 5.37% | 4.61% | 4.73% | 6.02% | 6.50% |
| Other Income + | 0.91 | 0.66 | 1.03 | 2.37 | 0.71 |
| Interest | 0.54 | 0.48 | 0.65 | 0.47 | 0.54 |
| Depreciation | 3.24 | 3.85 | 4.31 | 3.50 | 4.34 |
| Profit before tax | 8.96 | 7.59 | 7.88 | 11.75 | 12.58 |
| Tax % | 26.67% | 21.21% | 26.78% | 25.19% | 24.32% |
| Net Profit + | 6.56 | 5.98 | 5.77 | 8.79 | 9.52 |
| EPS in Rs | 2.45 | 2.10 | 2.08 | 3.14 | 3.34 |
Financials of RNFI Services Ltd
Profit & Loss
Annual income statement trend
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Sales + | 134 | 188 | 1,067 | 935 | 917 |
| Expenses + | 124 | 181 | 1,059 | 923 | 880 |
| Operating Profit | 10 | 7 | 7 | 12 | 37 |
| OPM % | 7% | 4% | 1% | 1% | 4% |
| Other Income + | 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% |
| Net Profit + | 7 | 6 | 5 | 10 | 20 |
| EPS in Rs | 746.00 | 523.00 | 539.00 | 5.80 | 7.29 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Financials of RNFI Services Ltd
Balance Sheet
Capital structure and asset base
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|
| Equity Capital | 0.10 | 0.10 | 0.10 | 18 | 25 | 25 |
| Reserves | 8 | 13 | 20 | 13 | 87 | 110 |
| Borrowings + | 17 | 12 | 19 | 32 | 18 | 36 |
| Other Liabilities + | 80 | 92 | 85 | 126 | 150 | 158 |
| Total Liabilities | 105 | 117 | 125 | 191 | 279 | 329 |
| Fixed Assets + | 8 | 10 | 17 | 40 | 53 | 60 |
| CWIP | 3 | 4 | 3 | 7 | 4 | 0 |
| Investments | 2 | 0 | 1 | 0 | 0 | 2 |
| Other Assets + | 92 | 103 | 105 | 143 | 222 | 267 |
| Total Assets | 105 | 117 | 125 | 191 | 279 | 329 |
Financials of RNFI Services Ltd
Cash Flows
Operating, investing and financing cash movement
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Cash from Operating Activity + | 5 | 20 | -20 | 47 | 30 |
| Cash from Investing Activity + | -13 | -0 | -8 | -26 | -31 |
| Cash from Financing Activity + | 14 | -6 | 8 | 7 | 46 |
| Net Cash Flow | 6 | 14 | -20 | 28 | 45 |
| Free Cash Flow | -5 | 16 | -27 | 18 | 6 |
| CFO/OP | 84% | 329% | -203% | 398% | 97% |
Financials of RNFI Services Ltd
Ratios
Working capital efficiency and return ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Debtor Days | 22 | 24 | 5 | 11 | 13 |
| Inventory Days | 42 | 35 | 2 | 3 | 6 |
| Days Payable | 34 | 18 | 1 | 3 | 1 |
| Cash Conversion Cycle | 30 | 41 | 6 | 11 | 18 |
| Working Capital Days | -188 | -98 | -10 | -27 | -21 |
| ROCE % | 34% | 24% | 30% | 29% |
Guidance history
How RNFI Services Ltd's guidance has moved, call by call
| Call | Revenue | Margins | Capex | Fundraising | Order book |
|---|---|---|---|---|---|
| Q1 FY27 call → | 20–40% | Up 2%+ | Planned | — | — |
| Q4 FY26 call → | 40%+ | Up 2%+ | Planned | — | — |
| Q3 FY26 call → | 40%+ | Flat | Planned | Planned | — |
| Q2 FY26 call → | 10–20% | Flat | Planned | Planned | — |
What management guided on each call, newest first. Not investment advice, and not a forecast of returns.
Momentum score · price trend
66 out of 100 — Steady
Over the past year its share price has moved roughly in the middle of the stocks we track.
| Period | Share price change | Better than … of 1,910 stocks |
|---|---|---|
| Last 12 months | −8.2% | 51% |
| Last 6 months | +16.2% | 72% |
| Last 3 months | +20.4% | 87% |
How we calculate it
“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).
The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For RNFI Services Ltd: 0.4 × 51 + 0.4 × 72 + 0.2 × 87 = 66.
Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.
Full methodology →This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.
Continue your research
What RNFI Services Ltd's management said in earlier quarters
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