RNFI Services (RNFI) Q2 25/26 earnings summary

Executive summary

• Achieved strong growth in revenue, profitability, and operational scale in H1 FY'26, driven by technology-led innovation and diversification across BFSI services.

• Board approved unaudited standalone and consolidated financial results for Q2 and H1 FY2025-26 on November 13, 2025.

• Focused on AI-driven fintech product development, operational resilience, and expanding distribution network.

• Statutory auditors issued limited review reports with no material misstatements identified.

• Management and promoters demonstrated confidence by participating in warrant allotment, contributing 17.6% of funds raised.

Financial highlights

• Consolidated revenue from operations for H1 FY26: ₹22,071.24 lakhs (up from ₹20,693.47 lakhs YoY); standalone revenue: ₹13,486.38 lakhs (up from ₹12,916.73 lakhs YoY).

• Consolidated net profit for H1 FY26: ₹1,455.77 lakhs (up from ₹876.80 lakhs YoY); standalone net profit: ₹991.02 lakhs (up from ₹698.05 lakhs YoY).

• EBITDA grew 47.3% HoH to ₹28.6 Cr; PAT surged 66% HoH to ₹14.6 Cr.

• Net worth reached ₹139.1 Cr, up 34.5% HoH; current ratio at 1.4, up 14.3% HoH.

• Despite a 49% HoH decline in DMT business revenue, alternate products drove resilient growth.

Outlook and guidance

• Continued investment in innovation, governance, and technology to reinforce long-term sustainability.

• RNFI Money Private Limited received RBI approval to upgrade to Authorized Dealer Category II, enhancing digital foreign remittance capabilities.

• Reliassure Insurance Broking Private Limited renewed its IRDAI registration for direct broking.

• Emphasis on expanding technology-led offerings and sustainable growth through efficiency and data-driven decisions.