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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.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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