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RNFI Services Limited was established in 2015 by founders Kapil Chawla, Nitesh Kumar, and Ranveer Khyaliya. Company quickly become a leader in financial technology, providing B2B and B2B2C solutions through its web portal and mobile app. The promoters of RNFI Services Limited are Ranveer Khyaliya, Nitesh Kumar Sharma, Deepankar Aggarwal, Rajan Kumar, Krishna Kumar Daga, Charanjeet Singh, and Simran Singh Private Trust. RNFI Services Limited has a vast clientele that includes multiple partnered banks and clients. Services range from domestic mo...Read More
RNFI Services Limited was established in 2015 by founders Kapil Chawla, Nitesh Kumar, and Ranveer Khyaliya. Company quickly become a leader in financial technology, providing B2B and B2B2C solutions through its web portal and mobile app. The promoters of RNFI Services Limited are Ranveer Khyaliya, Nitesh Kumar Sharma, Deepankar Aggarwal, Rajan Kumar, Krishna Kumar Daga, Charanjeet Singh, and Simran Singh Private Trust. RNFI Services Limited has a vast clientele that includes multiple partnered banks and clients. Services range from domestic money transfer, Aadhaar banking, micro ATM, digital payment, utility payments, travel services, PAN card application, and ITR filing. With an emphatic presence in all states of India, RNFI has a deep-rooted network in urban, rural, and micro-rural areas of Bharat, serving over 360,000 network partners across 28 states, 5 union territories, and more than 17,900 pin codes. ...Read Less
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Market Cap ₹701 Cr.
Stock P/E 34.9
P/B 4.8
Current Price ₹279.8
Book Value ₹ 57.8
Face Value 10
52W High ₹404
Dividend Yield 0%
52W Low ₹ 214.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2024 | Dec 2024 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|
| Net Sales | 220 | 244 | 222 | 258 |
| Other Income | 1 | 1 | 2 | 1 |
| Total Income | 221 | 245 | 224 | 259 |
| Total Expenditure | 208 | 233 | 208 | 241 |
| Operating Profit | 13 | 12 | 16 | 17 |
| Interest | 1 | 0 | 0 | 1 |
| Depreciation | 3 | 4 | 4 | 4 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 |
| Profit Before Tax | 9 | 8 | 12 | 13 |
| Provision for Tax | 2 | 2 | 3 | 3 |
| Profit After Tax | 7 | 6 | 9 | 10 |
| Adjustments | -0 | -1 | -1 | -1 |
| Profit After Adjustments | 6 | 5 | 8 | 8 |
| Adjusted Earnings Per Share | 2.5 | 2.1 | 3.1 | 3.3 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|
| Net Sales | 134 | 188 | 1067 | 936 | 917 | 944 |
| Other Income | 2 | 3 | 3 | 7 | 7 | 5 |
| Total Income | 136 | 191 | 1069 | 943 | 923 | 949 |
| Total Expenditure | 123 | 180 | 1058 | 922 | 878 | 890 |
| Operating Profit | 13 | 11 | 12 | 21 | 46 | 58 |
| Interest | 1 | 2 | 3 | 4 | 4 | 2 |
| Depreciation | 1 | 1 | 2 | 4 | 15 | 15 |
| Exceptional Income / Expenses | 0 | -0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 10 | 8 | 7 | 13 | 27 | 42 |
| Provision for Tax | 3 | 2 | 2 | 3 | 7 | 10 |
| Profit After Tax | 7 | 6 | 5 | 10 | 20 | 32 |
| Adjustments | 0 | -0 | 1 | 1 | -2 | -3 |
| Profit After Adjustments | 7 | 5 | 5 | 11 | 18 | 27 |
| Adjusted Earnings Per Share | 4.2 | 2.9 | 3 | 5.8 | 7.3 | 11 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -2% | 70% | 0% | 0% |
| Operating Profit CAGR | 119% | 61% | 0% | 0% |
| PAT CAGR | 100% | 49% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 16% | NA% | NA% | NA% |
| ROE Average | 28% | 32% | 48% | 48% |
| ROCE Average | 33% | 32% | 37% | 37% |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Shareholder's Funds | 8 | 13 | 21 | 32 | 112 |
| Minority's Interest | 0 | 0 | 1 | 0 | 2 |
| Borrowings | 0 | 8 | 12 | 16 | 13 |
| Other Non-Current Liabilities | 1 | 0 | 1 | 1 | 2 |
| Total Current Liabilities | 96 | 94 | 90 | 140 | 149 |
| Total Liabilities | 105 | 116 | 125 | 190 | 279 |
| Fixed Assets | 8 | 10 | 6 | 28 | 37 |
| Other Non-Current Assets | 26 | 7 | 19 | 26 | 25 |
| Total Current Assets | 71 | 100 | 100 | 136 | 217 |
| Total Assets | 105 | 116 | 125 | 190 | 279 |
| #(Fig in Cr.) | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 33 | 39 | 53 | 32 | 61 |
| Cash Flow from Operating Activities | 5 | 20 | -20 | 47 | 30 |
| Cash Flow from Investing Activities | -13 | -0 | -8 | -26 | -31 |
| Cash Flow from Financing Activities | 14 | -6 | 8 | 7 | 46 |
| Net Cash Inflow / Outflow | 6 | 14 | -20 | 28 | 45 |
| Closing Cash & Cash Equivalent | 39 | 53 | 32 | 61 | 106 |
| # | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.19 | 2.94 | 3.03 | 5.8 | 7.29 |
| CEPS(Rs) | 4.72 | 3.96 | 3.87 | 7.55 | 13.88 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 4.41 | 7.54 | 11.54 | 17.32 | 44.87 |
| Core EBITDA Margin(%) | 8.14 | 4.46 | 0.82 | 1.41 | 4.26 |
| EBIT Margin(%) | 8.64 | 5 | 0.9 | 1.8 | 3.4 |
| Pre Tax Margin(%) | 7.58 | 4.13 | 0.61 | 1.38 | 2.92 |
| PAT Margin (%) | 5.57 | 2.95 | 0.46 | 1.06 | 2.19 |
| Cash Profit Margin (%) | 6.27 | 3.74 | 0.65 | 1.47 | 3.78 |
| ROA(%) | 7.11 | 5.02 | 4.05 | 6.28 | 8.58 |
| ROE(%) | 95.1 | 52.2 | 28.79 | 37.93 | 28.01 |
| ROCE(%) | 48.53 | 39.11 | 30.12 | 33.25 | 32.79 |
| Receivable days | 22.36 | 19.75 | 4.55 | 8.55 | 12.18 |
| Inventory Days | 8.52 | 6.31 | 1.42 | 1.87 | 2.61 |
| Payable days | 34.42 | 22.52 | 0.85 | 2.12 | 2.45 |
| PER(x) | 0 | 0 | 0 | 0 | 29.92 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 4.86 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | -0.2 | -0.24 | -0.02 | -0.02 | 0.48 |
| EV/Core EBITDA(x) | -2.11 | -4.08 | -1.59 | -0.8 | 9.66 |
| Net Sales Growth(%) | 0 | 40.48 | 466.58 | -12.28 | -2.01 |
| EBIT Growth(%) | 0 | -18.65 | 1.62 | 75.88 | 84.98 |
| PAT Growth(%) | 0 | -25.6 | -11.95 | 102.07 | 103.52 |
| EPS Growth(%) | 0 | -29.96 | 3.22 | 91.37 | 25.73 |
| Debt/Equity(x) | 2.04 | 0.81 | 0.91 | 0.96 | 0.14 |
| Current Ratio(x) | 0.74 | 1.06 | 1.1 | 0.97 | 1.45 |
| Quick Ratio(x) | 0.71 | 1.02 | 1.05 | 0.94 | 1.39 |
| Interest Cover(x) | 8.14 | 5.76 | 3.16 | 4.32 | 7.1 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0.03 |
| # | Sep 2024 | Mar 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 65.36 | 65.38 | 65.38 | 65.1 | 65.11 |
| FII | 1.07 | 0.29 | 0 | 0 | 0 |
| DII | 2.9 | 2.39 | 2.47 | 2.42 | 2.49 |
| Public | 30.67 | 31.94 | 32.15 | 32.48 | 32.4 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2024 | Mar 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Promoter | 1.63 | 1.63 | 1.63 | 1.63 | 1.63 |
| FII | 0.03 | 0.01 | 0 | 0 | 0 |
| DII | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 |
| Public | 0.77 | 0.8 | 0.8 | 0.81 | 0.81 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Total | 2.5 | 2.5 | 2.5 | 2.51 | 2.51 |
* The pros and cons are machine generated.
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