Radiant Cash Management Services Limited · NSE:RADIANTCMS
Radiant Cash Management Services — Q2 FY26 Earnings Presentation
26 slides from Radiant Cash Management Services's earnings presentation, Nov 6, 2025
Slide 1: Exchange filing cover letter for earnings call presentation
RADIANTCMS/Q2/Earnings Call-Presentation/SE/2025-26 Date: 06.11.2025 To To Listing Department, Department of Corporate Services, National Stock Exchange of India Limited BSE Limited C-1, G-Block, Bandra - Kurla Complex Phiroze Jeejeebhoy Towers, Dalal Street, Bandra (E), Mumbai – 400 051 Mumbai – 40
Slide 2: Investor Presentation Q2 & H1 FY26
Investor Presentation Q2 & H1 FY26
Slide 3: Disclaimer
Disclaimer This Release / Communication, except for the historical information, may contain statements, including the words or phrases such as ‘expects, anticipates, intends, will, would, undertakes, aims, estimates, contemplates, seeks to, objective, goal, projects, should’ and similar expressions
Slide 4: Financial Performance, Business Overview, Key Performance Indicators, Team, Summary Financials
01 Financial Performance 02 Business Overview 03 Key Performance Indicators 04 Team 05 Summary Financials
Slide 5: Financial Performance
01 Financial Performance
Slide 6: Q2FY26 Results – Consolidated Financial Highlights
Q2FY25 Results – Consolidated Financial Highlights Revenue EBITDA PAT Revenue growth of 4.6% sequential over -32.4%Y-Y -41.1% Y-Y previous quarter indicating path to -1.6% Y-Y recovery 206.9 130.1 4.6% Q-Q 32.9% Q-Q 18.1% Q-Q EBITDA margins improved by 150 bps q-o- q on account of strong cost contro
Slide 7: Q2FY26 Results – Operational Highlights
Q1FY25 Results – Operational Highlights Pin Codes Total Touch Points Cash Movement (bn) While our footprint increased with more 14,510 422.4 pincodes covered, points dropped on 77,982 account of loss of few regions in Railways and loss of a large client in 14,294 416.7 Ecom Logistics due to M&A 76,4
Slide 8: Revenues across Segments and Industries
Revenues across Segments and Industries SEGMENTS INDUSTRIES Q2FY26 Q2FY25 Q2FY26 Q2FY25 33.3% BFSI 35.0% 58.3% Cash Pick-Up & Delivery 60.7% 20.7% E-Commerce 15.6% 21.0% Network Cash Management 20.5% 18.8% Organized Retail 19.0% 6.1% Cash Processing 4.9% 1.6% E-Com Logistics 3.4% Railways 1.5% 3.6%
Slide 9: Results – Consolidated Financials Snapshot
FY25 Results – Consolidated Financials Snapshot P&L INR mn Q2FY26 Q2FY25 Y-Y(%) Q1FY26 Q-Q(%) Revenues 1,047 1,070 -2.2% 1,001 4.6% Other income 22 16 22 Total Income 1,069 1,086 -1.6% 1,023 4.6% Employee Costs 236 207 14.2% 230 2.8% As a % of Total Income 22.1% 19.0% 22.4% Other Expenses 693 673 3.
Slide 10: Business Overview
02 Business Overview
Slide 11: Company Overview
Company Overview Leading integrated cash Experienced management logistics player in a team consolidating industry Pan India presence with Track record of strong strong network in Tier 2 financial performance and Tier 3+ locations Significantly built Diversified client base with up technology long st
Slide 12: Business and Revenue Model
Business and Revenue Model Cash Pickup & Network Cash Cash Cash Van Others Delivery Management Processing Operations Pick up cash from end-user Value added service in which At end-user request, cash is Provide armored vans with full Includes Man Behind Counter Description outlet on daily basis or on
Slide 13: Pan India footprint with strong network in Tier 2 and Tier 3+ locations
Pan India footprint with strong network in Tier 2 and Tier 3+ locations Present at more than 75,000 touch points across India (ex Lakshadweep) Pan-India presence with a focus on non metro cities 28 States and 8 Union Territories Pan-India North West 75,618 touch points covering 3,682 presence Uttara
Slide 14: Diversified client base with long standing relationship
Diversified client base with long standing relationship Client base spans across India's largest foreign, private Revenue Contribution Pan-India and public sector banks due to our extensive reach presence especially in Non-Metro cities Revenue from Tier 2, 3+ Towns Revenue contribution from top clie
Slide 15: Robust Risk Management Framework
Robust Risk Management Framework Cash Loss as proportion of Cash movement (%) 14 bps A stringent risk management policy – Combination of Human Touch and Technology 12 bps 10 bps Rigorous focus Automation and API integration ensuring real time on risk tracking mitigation and prevention Clear escalati
Slide 16: Significantly built-up technology to optimize Operations
Significantly built-up technology to optimize Operations Technology acting as a key differentiator API integration with few clients Allows efficient handling of operations in a high-fidelity Created API integration with a few of clients’ ERP business software, with a view towards providing a seamles
Slide 17: CSR Initiatives
CSR Initiatives Nutrition, Education, and Sanitation are the key focus areas CSR Projects Ashraya Project About One of the flagship initiatives of RCMS. The project aims to provide free noon meals every day to the elderly and destitute. The project is running since 2011. RCMS is also associated with
Slide 18: Key Performance Indicators
03 Key Performance Indicators
Slide 19: Key Performance Indicators
Key Performance Indicators PARTICULARS FY23 F24 FY25 Q2FY26 PARTICULARS FY23 F24 FY25 Q2FY26 Operational Assets Customer Base Cash Vans 840 870 856 864 Clients 89 153 239 249 Strong rooms 15 12 12 12 End customers 3,242 3,346 3,802 3,922 Safes 28 33 33 33 Vaults 12 12 12 12 Geographical Reach Pin co
Slide 20: Team
RADIANT Team
Slide 21: Board of Directors
Board of Directors Col. David Devasahayam Dr. Renuka David Mr. Alexander David Chairman and Managing Director Whole Time Director Whole Time Director Founder with a B.Sc. from JNU, M.Sc from Founder Director with an MBBS from Corporate director for operations and University of Madras, PG from the De
Slide 22: Management Team
Management Team Col. Benz K. Jacob T.V. Venkataramanan Chief Operating Officer Chief Financial Officer Over 28 years of experience in the Indian Army and over 14 years in the Company Holds a degree in CA, CS and ICWA Bachelor degree in Arts from JNU, Delhi and a PG in Defence Studies from the Previo
Slide 23: Historical Summary Financials
05 Historical Summary Financials
Slide 24: Income Statement - Standalone
Income Statement - Standalone Particulars ( Rs million ) FY22 FY23 FY24 FY25 Q2FY26 I Revenue from operations 2,860 3,549 3,845 4051 1001 II Other income 10 26 58 64 23 III Total Income ( I + II ) 2,870 3,575 3903 4115 1024 IV Expenses Employee benefits expenses 497 605 731 800 215 Finance costs 37
Slide 25: Sources and Application of Funds - Standalone
Sources and Application of Funds - Standalone Particulars (Rs million ) FY22 FY23 FY24 FY25 Q2FY26 Particulars (Rs million ) FY22 FY23 FY24 FY25 Q2FY26 EQUITY AND LIABILITIES ASSETS Equity Non - Current Assets ( a ) Equity Share Capital 101 107 107 107 107 ( a ) Property , Plant and Equipment 132 12
Slide 26: Thank You
THANK YOU Website www.radiantcashservices.com Email investorrelations@radiantcashlogistics.com Contact +(91) 44 – 4904 4904
Radiant Cash Management Services — Q2 FY26 Earnings Presentation on 6ix