Radiant Cash Management Services Limited (RADIANTCMS) AI Stock Analysis

• Market Cap: ₹5.58B
• Dividend Yield: 4.74%
• Average Volume (3M): 8.63K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.35
• Revenue Growth: 4.57%
• EPS Growth: -10.62%
• Country: IN
• Employees: 9,299
• Sector: Services
• Sector Strength: N/A
• Industry: Specialty Business Services
• EPS (TTM): 0.80
• Shares Outstanding: 106,707,910
• 10 Day Avg. Volume: 8,029
• 30 Day Avg. Volume: 8,630
• PEG Ratio: 3.43
• Price to Book (P/B): 2.37
• Price to Sales (P/S): 1.51
• P/FCF Ratio: 16.16
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ₹61.00 ▲(15.55% Upside)

Radiant Cash Management Services Limited scores well due to its strong financial performance, characterized by robust revenue and profit growth, and a solid balance sheet. The valuation is fair, with an attractive dividend yield. However, the technical analysis indicates neutral momentum, which slightly tempers the overall score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market reach and successful service offerings, reinforcing the company's competitive position in the cash management sector.

Balance Sheet Health

A strong equity ratio reflects financial resilience and the ability to withstand economic fluctuations, ensuring long-term operational sustainability.

Cash Flow Management

Effective cash flow management enhances financial flexibility, enabling strategic investments and operational stability, crucial for long-term growth.

Negative Factors

Net Income Decline

A decline in net income could signal potential challenges in maintaining profitability, impacting future earnings and investor confidence.

Debt Increase

Increasing debt levels can strain financial resources, limiting strategic flexibility and potentially increasing financial risk if not managed prudently.

Cash Flow Variability

Fluctuating cash flows can indicate instability in financial planning, potentially affecting the company's ability to fund operations and growth consistently.

Radiant Cash Management Services Limited Business Overview & Revenue Model

Company Description

Radiant Cash Management Services Limited (RADIANTCMS) is a leading provider of cash management solutions, primarily operating within the financial services and logistics sectors. The company specializes in offering a comprehensive suite of services, including cash handling, secure transportation, cash processing, and technology-driven cash management systems. RADIANTCMS serves a diverse clientele, including banks, retail businesses, and government institutions, helping them optimize their cash flow and enhance the security of their cash operations.

How the Company Makes Money

RADIANTCMS generates revenue through multiple streams, primarily from service fees associated with its cash management solutions. This includes charges for cash transportation, processing fees for cash deposits and withdrawals, and subscription fees for technology services that enable clients to manage their cash flow efficiently. Additionally, the company may enter into partnerships with financial institutions and retailers, earning commissions or revenue shares from joint offerings. Significant factors contributing to its earnings include the growing demand for secure cash handling services, strategic alliances with industry partners, and the adoption of innovative technologies that streamline cash management operations.

Radiant Cash Management Services Limited Financial Statement Overview

Summary

Radiant Cash Management Services Limited exhibits strong financial performance with impressive revenue and profit growth, robust margins, and a solid balance sheet. The company maintains financial stability with a strong equity ratio and prudent leverage use. However, the recent decline in net income and variability in cash flows require attention.

Income Statement

Radiant Cash Management Services Limited has demonstrated strong revenue growth, increasing from 2,216 million to 4,334 million over a five-year period. The Gross Profit Margin has consistently remained high, with the latest year showing an exceptional 98.6%. The Net Profit Margin improved to 10.7%, indicating enhanced profitability. The EBIT and EBITDA margins are robust, highlighting efficient operational management. However, the recent decline in net income from the previous year is a slight concern.

Balance Sheet

The company maintains a healthy balance sheet with a strong Equity Ratio of 64.2%, indicating financial stability. The Debt-to-Equity Ratio is reasonably low at 0.43, suggesting prudent use of leverage. Return on Equity is at 17.0%, reflecting effective use of shareholder capital. The increase in total assets and equity over the years demonstrates a solid growth trajectory. However, the rise in total debt requires careful monitoring to maintain financial health.

Cash Flow

Radiant's cash flow from operations has been stable, with a slight increase in the latest year. The Free Cash Flow has grown significantly, supported by efficient capital expenditure management. The Operating Cash Flow to Net Income Ratio is healthy, indicating good cash conversion from earnings. Nonetheless, the variability in investing and financing cash flows suggests potential fluctuations in strategic financial activities.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.27B	4.27B	3.86B	3.55B	2.86B	2.22B
Gross Profit	3.96B	4.27B	3.84B	3.54B	2.85B	2.21B
EBITDA	710.45M	772.43M	684.15M	1.08B	588.75M	641.09M
Net Income	429.90M	464.98M	447.51M	627.27M	382.09M	324.33M
Balance Sheet
Total Assets	0.00	4.25B	3.15B	2.79B	1.91B	1.62B
Cash, Cash Equivalents and Short-Term Investments	2.50B	2.22B	1.41B	1.74B	702.06M	537.75M
Total Debt	0.00	1.17B	327.03M	287.42M	287.52M	139.89M
Total Liabilities	-2.74B	1.51B	612.84M	489.24M	508.11M	350.47M
Stockholders Equity	2.74B	2.73B	2.53B	2.30B	1.40B	1.27B
Cash Flow
Free Cash Flow	0.00	399.90M	208.64M	683.08M	249.79M	245.82M
Operating Cash Flow	0.00	434.20M	406.19M	742.05M	310.84M	276.38M
Investing Cash Flow	0.00	-243.93M	80.00M	-728.48M	-23.42M	256.50M
Financing Cash Flow	0.00	525.94M	-203.57M	263.97M	-123.11M	-374.37M

Radiant Cash Management Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 52.79
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RADIANTCMS, the sentiment is Negative. The current price of 52.79 is below the 20-day moving average (MA) of 53.04, below the 50-day MA of 54.21, and below the 200-day MA of 57.92, indicating a bearish trend. The MACD of -0.39 indicates Negative momentum. The RSI at 45.39 is Neutral, neither overbought nor oversold. The STOCH value of 19.27 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:RADIANTCMS.

Radiant Cash Management Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RITCO	74 Outperform	₹7.84B	18.23	―	―	34.34%	2.00%
RADIANTCMS	73 Outperform	₹5.58B	12.98	―	4.74%	4.57%	-10.62%
RPPINFRA	60 Neutral	₹5.83B	8.12	―	0.48%	-7.32%	-26.92%
AVG	58 Neutral	₹3.34B	15.35	―	0.61%	6.71%	-53.24%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
SICALLOG	39 Underperform	₹6.52B	-32.92	―	―	76.34%	94.50%

Radiant Cash Management Services Limited Corporate Events

Radiant Cash Management Announces 20th AGM Details

Radiant Cash Management Services Limited announced the details of its upcoming 20th Annual General Meeting (AGM) to be held on September 9, 2025, via video conferencing. The announcement includes information about remote e-voting, email registration procedures, bank account updates, and the record date for dividend distribution, indicating a focus on shareholder engagement and transparency.

Radiant Cash Management Sets AGM Date and Dividend Record Date

Radiant Cash Management Services Limited has announced that its 20th Annual General Meeting (AGM) will be held on September 9, 2025, via video conferencing. The company has also set September 2, 2025, as the record date for determining shareholders’ entitlement to a final dividend of ₹2.50 per equity share for the financial year 2024-25. This decision reflects the company’s ongoing commitment to shareholder returns and its compliance with regulatory requirements.