RNFI Services (RNFI) Q4 25/26 earnings summary

Executive summary

• Achieved strong profitable growth in FY26, with PAT up 62% year-over-year to INR 32.5 crore, despite regulatory headwinds in legacy businesses.

• Focused on margin-led growth, technology platform scaling, and regulated business expansion, including strategic investments in AI and digital capabilities.

• Diversified product portfolio and expanded partner network, adding 48 new partners in FY26.

• Audited standalone and consolidated financial results for Q4 and FY ended March 31, 2026, were approved, showing strong revenue and profit growth year-over-year.

• Board approved Employee Stock Option Plan 2026, preferential allotment of equity shares, and re-appointment of internal auditor.

Financial highlights

• PAT for FY26 reached INR 32.5 crore, a 62% increase over FY25; consolidated net profit was ₹3,244.22 lakhs, up from ₹2,009.90 lakhs.

• FY26 revenue grew 6% YoY to ₹968.6 Cr; gross profit up 42% to ₹184.9 Cr; standalone revenue from operations was ₹28,909.14 lakhs.

• EBITDA increased 46% YoY to ₹63.2 Cr; EBITDA margin rose to 13.2%.

• EPS rose to 11.6 from 7.9 YoY; standalone EPS for FY26 was ₹8.05 (basic and diluted), consolidated EPS was ₹11.59.

• Net worth increased 51% YoY to ₹169.7 Cr; total assets (standalone) increased to ₹27,237 lakhs; consolidated assets rose to ₹36,052.42 lakhs.

Outlook and guidance

• Profitability growth of 40–45% year-over-year expected for FY27, driven by insurance, delinquent loan collection, CMS, and PaySprint.

• Continued investment in expansion and capacity building anticipated in the first half of FY27, with stronger revenue impact expected in the second half.

• ARPU growth projected to accelerate over the next 3–4 years.

• New products like UPI cash withdrawal and mutual funds to contribute in upcoming quarters.

• Management believes the company is capable of meeting its liabilities as they fall due within one year from the balance sheet date.