Radiant Cash Management Services Limited · NSE:RADIANTCMS
Radiant Cash Management Services — Q1 FY27 Earnings Presentation
26 slides from Radiant Cash Management Services's earnings presentation, Aug 17, 2026
Slide 1: Cover letter to stock exchanges
RADIANTCMS/EarningsCallPresentation/Q2/SE/2026-27 Date: 17.08.2026 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, Bandra (E), Mumbai – 400 051 Dalal Street, Mumbai – 400
Slide 2: Investor Presentation Q1 FY27
Investor Presentation Q1 FY27
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
01 Financial Performance 02 Business Overview 03 Key Performance Indicators 04 Team 05 Summary Financials
Slide 5: Financial Performance
01 Financial Performance
Slide 6: Q1FY27 Results – Standalone Financial Highlights
Q1FY27 Results – Standalone Financial Highlights Revenue EBITDA PAT Revenue growth of 7.0% year on year largely on account of starting of new IDBI -9.1%Y-Y -15.7% Y-Y mandate 7.0% Y-Y 5.1% Q-Q 1,077.2 -10.1% Q-Q EBITDA margins dropped by 2.4% y-o-y on -5.7% Q-Q account of increase in minimum wages i
Slide 7: Q1FY27 Results – Operational Highlights
Q1FY27 Results – Operational Highlights Pin Codes Total Touch Points Cash Movement (bn) While our footprint increased with more 431.9 pincodes covered, points dropped on 14,997 77,982 account of discontinuation of few low 14,844 value points 77,521 Total cash movement for Q1FY27 stood 422.3 at INR 4
Slide 8: Revenues across Segments and Industries
Revenues across Segments and Industries SEGMENTS INDUSTRIES Q1FY27 Q1FY26 Q1FY27 Q1FY26 36.8% BFSI 33.4% 56.8% Cash Pick-Up & Delivery 58.9% 15.5% E-Commerce 18.0% 21.5% Network Cash Management 21.3% 21.4% Organized Retail 19.1% 4.1% Cash Processing 6.1% 2.6% E-Com Logistics 2.3% Railways 1.4% 1.8%
Slide 9: Q1FY27 Results – Consolidated Financials Snapshot
Q1FY27 Results – Consolidated Financials Snapshot P&L INR mn Q1FY27 Q4FY26 Q-Q(%) Q1FY26 Y-Y(%) Revenues 1,057 1,008 4.9% 1,001 5.7% Other income 25 24 22 Total Income 1,082 1,032 4.9% 1,023 5.8% Employee Costs 254 236 7.6% 230 10.4% As a % of Total Income 23.4% 22.8% 22.4% Other Expenses 709 686 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 77,000 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 77,014 touch points covering 3,884 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 (%) A stringent risk management policy – Combination of 20 bps Human Touch and Technology Rigorous focus Automation and API integration ensuring real time 14 bps on risk tracking mitigation and prevention Clear escalation fram
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 FY24 FY25 FY26 Q1FY27 PARTICULARS FY24 FY25 FY26 Q1FY27 Operational Assets Customer Base Cash Vans 870 856 870 882 Clients 153 239 357 325 Strong rooms 12 12 12 12 End customers 3,346 3,802 4,032 4,065 Safes 33 33 33 33 Vaults 12 12 12 12 Geographical Reach Pin
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 ) FY23 FY24 FY25 FY26 Q1FY27 I Revenue from operations 3,549 3,845 4051 4013 1051 II Other income 26 58 64 94 26 III Total Income ( I + II ) 3,575 3903 4115 4107 1077 Employee benefits expenses 605 731 800 863 236 Finance costs 9 12 21 47 14 Dep
Slide 25: Sources and Application of Funds - Standalone
Sources and Application of Funds - Standalone Particulars (Rs million ) FY23 FY24 FY25 FY26 Q1FY27 Particulars (Rs million ) FY23 FY24 FY25 FY26 Q1FY27 EQUITY AND LIABILITIES ASSETS Equity Non - Current Assets ( a ) Equity Share Capital 107 107 107 107 107 ( a ) Property , Plant and Equipment 126 33
Slide 26: Thank You
THANK YOU Website www.radiantcashservices.com Email investorrelations@radiantcashlogistics.com Contact +(91) 44 – 4904 4904
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