India · Delayed Price · Currency is INR RNFI Services Earnings Call Transcripts
Fiscal Year 2027
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Gross profit rose 15% year-over-year, but PAT and EBITDA margins declined due to growth investments. Management expects stronger performance from Q2 onward, with high-margin insurance and delinquency segments driving future growth.
Fiscal Year 2026
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PAT grew 62% year-over-year to INR 32.5 crore, driven by a strategic shift to high-margin segments like insurance, CMS, and loan collections. FY 2027 profitability is guided to grow 40–45%, with continued investment in new products and technology.
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Nine-month EBITDA grew 46.9% and PAT rose 63.3% year-over-year, driven by high-margin businesses and technology-led platforms. Management maintains a 40%-50% growth target for non-Forex business, with new product launches and Payworld integration expected to boost future performance.