Radiant Cash Management Services Limited · NSE:RADIANTCMS
Radiant Cash Management Services — Q3 FY25 Earnings Presentation
26 slides from Radiant Cash Management Services's earnings presentation, Feb 13, 2025
Slide 1: Exchange filing cover letter for earnings call presentation
RADIANTCMS/Q3/Earnings Call-Presentation/SE/2024-25 Date: 13.02.2025 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 Q3 & 9M FY25
Investor Presentation Q3 & 9M FY25
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
*} RADIANT Financial Performance
Slide 6: Q3FY25 Results – Standalone Financial Highlights
Q3FY25 Results – Standalone Financial Highlights Revenue EBITDA PAT Revenue growth improving though lower than historical levels on account of sluggish consumer demand witnessed -0.2% Q-Q -0.3% Q-Q across several sectors of the economy 1.8% Y-Y 5.2% Y-Y 3.2% Q-Q 6% Y-Y EBITDA margins remained flat y
Slide 7: Q3FY25 Results – Operational Highlights
Q3FY25 Results – Operational Highlights Pin Codes Total Touch Points Cash Movement (bn) Pincodes were rationalized during this quarter.Total pin codes covered now stands at 13,918 Retail touch points coverage increased 6.6% Q-Q by 6,744 (+10%) during 9MFY25 to 76,678 Total cash movement for 3QFY25 s
Slide 8: Revenues across Segments and Industries
Revenues across Segments and Industries SEGMENTS INDUSTRIES Q3FY24 Q3FY25 Q3FY24 Q3FY25 32.5% BFSI 34.0% 65.6% Cash Pick-Up & Delivery 59.9% 16.0% E-Commerce 17.1% 19.2% Network Cash Management 20.5% 17.5% Organized Retail 18.5% 4.8% Cash Processing 5.4% 5.5% E-Com Logistics 3.2% Railways 3.6% 3.3%
Slide 9: Q3FY25 Results – Financials Snapshot
Q3FY25 Results – Financials Snapshot P&L INR mn Q3FY25 Q3FY24 Y-Y(%) Q2FY25 Q-Q(%) Revenues 1056 1004 5.2% 1024 3.2% Other income 17 9 16 Total Income 1073 1013 5.9% 1040 3.2% Employee Costs 211 191 10.1% 197 7.2% As a % of Sales 19.6% 18.9% 18.9% Other Expenses 671 641 4.6% 651 3.0% As a % of Sales
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 72,110 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 76,678 touch points covering 3,628 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 contribution 81% 80% from top clients 73% Revenue from T
Slide 15: Robust Risk Management Framework
Robust Risk Management Framework Cash Loss as proportion of Cash movement (%) A stringent risk management policy – Combination of Human Touch and Technology Rigorous focus Automation and API integration ensuring real time on risk tracking mitigation and prevention Clear escalation framework - Senior
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 FY22 FY23 F24 Q3FY25 PARTICULARS FY22 FY23 F24 Q3FY25 Operational Assets Customer Base Cash Vans 739 840 870 840 Clients 65 89 153 204 Strong rooms 16 15 12 12 End customers 2,675 3,242 3,346 3,671 Safes 28 28 33 33 Vaults 11 12 12 12 Geographical Reach Pin cod
Slide 20: Team
04 Team
Slide 21: Board of Directors
Board of Directors Col. David Devasahayam Dr. Renuka David Mr. A.P. Vasanthakumar Chairman and Managing Director Whole Time Director Nominee Director Founder with a B.Sc. from JNU, M.Sc from Founder Director with an MBBS from Nominee Director of Ascent Capital with a University of Madras, PG from th
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
Income Statement Particulars ( Rs million ) FY21 FY22 FY23 FY24 I Revenue from operations 2,217 2,860 3,549 3,845 II Other income 25 10 26 58 III Total Income ( I + II ) 2,242 2,870 3,575 3903 IV Expenses Employee benefits expenses 390 497 605 731 Finance costs 20 37 9 12 Depreciation and Amortisati
Slide 25: Sources and Application of Funds
Sources and Application of Funds Particulars (Rs million ) FY21 FY22 FY23 FY24 Particulars (Rs million ) FY21 FY22 FY23 FY24 EQUITY AND LIABILITIES ASSETS Equity Non - Current Assets ( a ) Equity Share Capital 10 101 107 107 ( a ) Property , Plant and Equipment 95 132 126 333 ( b ) Share Application
Slide 26: THANK YOU
THANK YOU Website www.radiantcashservices.com Email investorrelations@radiantcashlogistics.com kompass@radiantcashservices.com Contact +(91) 44 – 4904 4904
Radiant Cash Management Services — Q3 FY25 Earnings Presentation on 6ix