What is RNFI Services Ltd (RNFI) share price return in the past 10 years?

Data is not available for this company

What is the share price of RNFI Services Ltd (RNFI)?

Company share prices are keep on changing according to the market conditions. The current trading price of RNFI Services Ltd (RNFI) on 01-Jan-1970 05:30:00 at 05:30 is .

What is the P/E ratio of RNFI Services?

The latest standalone P/E ratio of RNFI Services as of 01-Jan-1970 is 30.97.

What is the P/B ratio of RNFI Services Ltd (RNFI)?

The latest standalone P/B ratio of RNFI Services Ltd (RNFI) as of 01-Jan-1970 is 3.68.

What is the 52-week high and low of RNFI Services Ltd (RNFI)?

The 52-week high of RNFI Services Ltd (RNFI) is Rs. 0.00 and the 52-week low is Rs. 0.00.

RNFI Services Ltd (RNFI) Share Analysis – Quality, Growth & Valuation Zone & DeciZen Rating

Name: RNFI Services Ltd (RNFI)
Brand: RNFI Services

RNFI Services Ltd (RNFI)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: RNFI Fintech | Small Cap | RNFI Services Share Price

RNFI Services Ltd (RNFI)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: RNFI Fintech | Small Cap | RNFI Services Share Price

Key Metrics

Valuation Multiples

Market Cap

₹623 Cr.

Current Price

₹0

52-Week Low / High

₹0 / 0

TTM EPS

₹8

TTM Sales

₹289 Cr.

Book Value per Share

₹67.7

P/E Ratio

30.97

Lower than its 5-year historical median

Industry PE

127.9

Price to Book (P/B)

3.68

Lower than its 5-year historical median

Price to Sales (P/S)

2.16

Lower than its 5-year historical median

EV/EBITDA

13.71

Lower than its 5-year historical median

Dividend Yield

0.00%

Profitability Efficiency

Return on Equity (ROE)

20.93%

Outperforms industry median

Return on Capital Employed (ROCE)

24.97%

Outperforms industry median

Return on Assets (ROA)

7.72%

Operating Profit Margin

9.7%

Net Profit Margin

5.13%

Gross Profit Margin

10.8%

Growth Momentum
1-yr vs 3-yr growth

Sales Growth (1 Year)

Improving versus 3-year growth rate

89.4%

Operating Profit Growth (1 Year)

Improving versus 3-year growth rate

169.53%

Net Profit Growth (1 Year)

Improving versus 3-year growth rate

53.59%

Asset Quality

Promoter Holding

65.11%

Pledged shares (%) of Promoter's holding (%)

0.00%

Reserves

₹144 Cr.

Equity

₹25.1 Cr.

Face Value

₹10

All Time Low / High

- / -

RNFI Services stock performance

Key Ratios

Check Before You Invest

Quality

Somewhat Good

Check detailed performance

Valuation

Fair

Check Valuation charts

Price Trend

Weak

Check Price chart

Q.1 Is RNFI Services Ltd a good quality company?

RNFI Services Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.

How does RNFI Services Ltd performance compare with that of its Peers?

Q.1 Revenue growth of RNFI Services Ltd vs industry peers?

RNFI Services Ltd revenue CAGR is 21.98%, compared to the industry median CAGR of 29.55%, indicating slower growth and losing its market share.

Q.1 Promoter shareholding and pledge status of RNFI Services Ltd?

Promoters hold 65.11% of the RNFI Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 Stock return of RNFI Services Ltd over the last decade?

Over the last 1 year(s), the stock has delivered a CAGR of 24.22% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Value Creation ⓘ

	Mar'22	Mar'23	Mar'24	Mar'25	TTM
ROCE % ⓘ	48.7%	41.1%	33.2%	25%	-
Value Creation Index ⓘ	2.5	1.9	1.4	0.8	-
Growth Parameters ⓘ
Sales ⓘ	152	145	145	275	289
Sales YoY Gr.	-	-4.6%	0.4%	89.4%	-
Adj EPS ⓘ	3	3.4	4.8	5.6	8
YoY Gr.	-	13.9%	39.5%	17.3%	-
BVPS (₹) ⓘ	7.4	11	16.1	42.4	67.7
Adj Net Profit ⓘ	5.4	6.1	8.7	14.1	20
Cash Flow from Ops. ⓘ	1.3	-27.6	28	20.6	-
Debt/CF from Ops. ⓘ	3.4	-0.5	1	0.7	-

CAGR ⓘ

	9 Years	5 Years	3 Years	1 Years
Sales ⓘ	NA	NA	22%	89.4%
Adj EPS ⓘ	NA	NA	23.1%	17.3%
BVPSⓘ	NA	NA	78.9%	163.5%
Share Price	-	-	-	0.4%

Key Financial Parameters ⓘ

	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Return on Equity % ⓘ	40.8	37.5	35.8	20.8	14.6
Op. Profit Mgn % ⓘ	4.5	6.3	6.6	9.7	12.1
Net Profit Mgn % ⓘ	3.5	4.2	6	5.1	7
Debt to Equity ⓘ	0.3	0.7	1	0.1	0.1
Working Cap Days ⓘ	0	100	148	91	161
Cash Conv. Cycle ⓘ	0	21	39	27	64

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'22	Mar'23	Mar'24	Mar'25
Sales	152	145	146	275
Operating Expenses ⓘ +	145	136	136	249
Manufacturing Costs	97	83	70	104
Material Costs	25	25	29	75
Employee Cost	15	20	26	52
Other Costs ⓘ	8	8	11	18
Operating Profit ⓘ	7	9	10	27
Operating Profit Margin (%)	4.4%	6.3%	6.8%	9.7%
Other Income ⓘ +	3	3	8	7
Exceptional Items ⓘ	0	0	0	0
Interest ⓘ	1	2	3	4
Depreciation ⓘ	1	2	2	11
Profit Before Tax ⓘ	7	8	12	18
Tax ⓘ	2	2	3	4
Profit After Tax	5	6	9	14
PAT Margin (%)	3.5%	4.3%	6.3%	5.1%
Adjusted EPS (₹)	3.0	3.5	5.1	5.7
Dividend Payout Ratio (%)	0%	0%	0%	0%

Valuation of RNFI Services - Standalone

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Shareholders Fund +	13	19	29	106
Share Capital ⓘ	0	0	18	25
Reserves ⓘ	13	19	11	81
Debt +	4	11	26	13
Long Term Debt	4	11	16	13
Short Term Debt	0	0	10	0
Minority Interest	0	0	0	0
Trade Payables	2	0	4	1
Others Liabilities ⓘ	80	68	90	97
Total Liabilities ⓘ	99	99	149	217
Fixed Assets
Net Fixed Assets ⓘ +	7	3	19	25
Gross Block	8	7	26	43
Accumulated Depreciation	1	4	6	17
CWIP ⓘ	4	1	1	0
Investments ⓘ	12	5	6	17
Inventories	1	1	0	3
Trade Receivables	8	10	24	17
Cash Equivalents ⓘ	50	24	47	85
Others Assets ⓘ	17	55	51	69
Total Assets ⓘ	99	99	149	217

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ +	1	-28	28	21
PBT ⓘ	7	8	12	18
Adjustment ⓘ	-1	2	3	11
Changes in Working Capital ⓘ	-3	-36	16	-5
Tax Paid ⓘ	-2	-2	-2	-5
Cash Flow From Investing Activity ⓘ +	-0	-6	-18	-40
Capex	-2	-5	-19	-20
Net Investments	-0	-2	-1	-22
Others ⓘ	1	1	2	2
Cash Flow From Financing Activity ⓘ +	-12	8	13	46
Net Proceeds from Shares ⓘ	0	0	0	62
Net Proceeds from Borrowing ⓘ	4	8	5	-3
Interest Paid ⓘ	-0	-1	-2	-2
Dividend Paid ⓘ	0	0	0	0
Others ⓘ	-15	2	9	-11
Net Cash Flow ⓘ	-11	-26	23	27

Financial Ratio

PARTICULARS	Mar'22	Mar'23	Mar'24	Mar'25
Ratios
ROE (%)	40.81	38.03	37.72	20.93
ROCE (%)	48.72	41.12	33.21	24.97
Asset Turnover Ratio	1.53	1.46	1.18	1.51
PAT to CFO Conversion(x)	0.2	-4.67	3.11	1.5
Working Capital Days
Receivable Days	18.30	21.90	42.60	27.40
Inventory Days	2.90	2.50	1.60	2.40
Payable Days	32.50	18.50	24.90	10.90

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

RNFI Services Ltd FAQs

The current trading price of RNFI Services on 01-Jan-1970 05:30 is ₹0.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of RNFI Services stood at ₹623.1 Cr

The latest P/E ratio of RNFI Services as of 31-Dec-1969 is 30.97.

The latest P/B ratio of RNFI Services as of 31-Dec-1969 is 3.68.

The 52-week high of RNFI Services is ₹0.00 and the 52-week low is ₹0.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of RNFI Services is ₹289 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that RNFI Services Ltd is a average quality company.

The key valuation ratios of RNFI Services Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of RNFI Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About RNFI Services Ltd

RNFI Services Limited was originally incorporated as ‘RNFI Services Private Limited’, a private limited company under Companies Act, 2013, pursuant to a certificate of incorporation dated October 13, 2015 issued by the Registrar of Companies, Delhi. Subsequently, the company was converted into a public limited company pursuant to a resolution passed by its shareholders at an Extra-ordinary General Meeting held on November 22, 2023 and a fresh certificate of incorporation dated December 28, 2023 was issued by the Registrar of Companies, Delhi consequent upon conversion, recording the change in name of the company from ‘RNFI Services Private Limited’ to ‘RNFI Services Limited’.

The company is a tech enabled platform offering financial technology solutions in B2B and B2B2C financial technology arena through an integrated business model via its online portal and mobile application, focusing on providing banking, digital and Government to Citizen (G2C) services on PAN India basis. It segregates its business primarily into four segments namely (i) business correspondent services; (ii) non-business correspondent services; (iii) full-fledged money changer service; and (iv) insurance broking. It is providing full-fledged money changer service through its Material Subsidiary (wholly owned), namely RNFI Money which is RBI registered full-fledged money changer (FFMC) and insurance broking service through its wholly-owned Subsidiary, namely Reliassure Insurance Brokers which is registered as a direct broker (Life and General) with IRDAI.

It acts as a bridge to ensure the availability of tech enabled financial services throughout the country, including to the underserved population in remotest of the places by connecting them to formal financial channels. It also provides business and income-generating opportunities for shopkeepers and network partners by enabling them to provide banking, digital and government services to the end customers through its web and mobile application via an assisted model. It started its journey in the year 2015 in the fintech sector with a mission to empower rural India by promoting the accessibility of financial technology with simple and efficient financial solutions and contribute to the development of a DIGITAL BHARAT and a vision to become one of the leading financial solutions provider.

Business area of the company

Awards and accreditations

2021: ISO 9001:2015 for providing services facilitating financial inclusion program's and acting as corporate business correspondents to banks and payment banks, providing fintech platform and ensuring digital and online financial services for AEPS, MATM, DMT, BBPS, recharges, wallet loadings, CMS services, MPOS, QR codes, Aadhaar pay, IRCTC, flight ticket bookings and issuance of PPI instruments by Otabu Global Services Private Limited.
2021: ISO/IEC 27001:2013 for providing services facilitating financial inclusion program's and acting as corporate business correspondents to banks and payment banks, providing fintech platform and ensuring digital and online financial services for AEPS, MATM, DMT, BBPS, recharges, wallet loadings, CMS services, MPOS, QR codes, Aadhaar pay, IRCTC, flight ticket bookings and issuance of PPI instruments by Otabu Global Services Private Limited.

History and milestones

2015: Incorporated as RNFI Services Private Limited.
2017: The company became business correspondent of a leading Private sector bank.
2018: The company forayed into financial inclusion division by becoming a business correspondent of Public sector bank and Private sector Payment banks.
2019: The company entered into tourism industry, emerging as principal agent of IRCTC for train bookings.
2019: The company also became business correspondent for Fino Payments Bank.
2020: The company established a Wholly-owned Subsidiary namely, RNFI Money Private Limited.
2021: The company acquired a Subsidiary namely, Paysprint Private Limited.
2021: The company became business correspondent for NSDL Payments Bank.
2022: The company established a Wholly-owned Subsidiary namely, Reliassure Insurance Brokers Private Limited.
2022: The company became business correspondent for prominent Public sector bank.
2022: The company became a designated partner in Reliconnect LLP.
2022: The company associated with Ministry of Electronics & Information Technology for UMANG Project and Centre for Digital Financial Inclusion (CDFI).
2022: The company became vendor of a wholly owned subsidiary of a leading Public sector bank for delinquent loans collections.
2023: The company became business correspondent for prominent Public sector bank.
2023: The company became business facilitator for a leading Private sector bank.
2023: The company partnered with Maharashtra State Rural Livelihood Mission (MSRLM) for Woman Empowerment.
2023: Conversion of the Company from a private limited company to a public limited company.
2024: The company became business correspondent of two Private sector banks. Also, associated with a Private sector bank for provision of doorstep banking services.

RNFI Services Ltd (RNFI)

RNFI Services Ltd (RNFI)

RNFI Services stock performance