RNFI Services
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RNFI Services (RNFI) investor relations material

RNFI Services Q3 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q3 25/26 earnings summary13 Feb, 2026

Executive summary

  • Celebrated 10 years of operations, with rapid expansion post-IPO, ongoing investments in new business lines, technology, and AI initiatives.

  • Achieved margin-led growth with stable topline, driven by automation, high-margin business expansion, and technology-led innovation.

  • Board approved unaudited standalone and consolidated financial results for Q3 and nine months ended December 31, 2025.

  • Enhanced operational efficiency through automation, process optimization, and improved controls.

  • Diversified business model with no single product dominating profit growth; focus on annuity income and cross-selling across BFSI and non-BFSI sectors.

Financial highlights

  • Nine-month EBITDA grew 46.9% and PAT increased 63.3% year-over-year, driven by high-margin businesses like delinquent loan and EMI collection.

  • 9M FY26 revenue at ₹729.3 Cr, up 3.8% year-over-year; gross profit at ₹134.1 Cr, up 40.4%.

  • Consolidated Q3 revenue from operations: ₹25,854.99 lakhs; nine months: ₹73,336.77 lakhs.

  • Q3 FY26 EBITDA at ₹17.5 Cr, up 46.4%; PAT at ₹9.5 Cr, up 59.4%.

  • Revenue growth offset by decline in DMT volumes, compensated by higher-margin business growth.

Outlook and guidance

  • Management maintains 40%-50% year-on-year growth target for non-Forex business, contingent on stable conditions.

  • Committed to scaling technology platforms, expanding regulated businesses, and margin improvement.

  • Sequential revenue growth expected as DMT impact subsides and new products scale.

  • Loan collection segment targeted to grow more than 3x in coming years.

  • Subsidiary RNFI Money Private Limited received RBI approval for six new branches, enhancing digital presence in foreign remittance.

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Frequently asked questions

RNFI Services Limited is an India-based company specializing in digital financial services and payment solutions. The company provides a platform for financial transactions, including domestic money transfers, Aadhaar-enabled payment services, mobile recharges, bill payments, and other banking-related services. RNFI primarily serves retailers, merchants, and small businesses, enabling them to offer digital payment and financial services to their customers. RNFI Services Limited is headquartered in India, and its shares are listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange of India (NSE).

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