RNFI Services (RNFI) investor relations material

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.