Radiant Cash Management Services Limited (RADIANTCMS) AI Stock Analysis

• Market Cap: ₹5.54B
• Dividend Yield: 4.57%
• Average Volume (3M): 31.37K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 0.38
• Revenue Growth: 8.77%
• EPS Growth: 0.62%
• Country: IN
• Employees: 9,299
• Sector: Services
• Sector Strength: N/A
• Industry: Specialty Business Services
• EPS (TTM): 0.69
• Shares Outstanding: 106,707,910
• 10 Day Avg. Volume: 40,889
• 30 Day Avg. Volume: 31,368
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ₹61.00
• Price Target Upside: 17.42% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: ₹61.00 ▲(17.42% Upside)

Radiant Cash Management Services Limited has a solid financial foundation with strong revenue and profit growth. However, the technical analysis indicates bearish momentum, which weighs down the overall score. Despite the attractive valuation, the stock's current technical position suggests caution. The absence of recent earnings call data and corporate events means these factors do not influence the score.

Radiant Cash Management Services Limited Business Overview & Revenue Model

Company Description

Radiant Cash Management Services Limited (RADIANTCMS) is a company that operates within the financial services sector, providing comprehensive cash management solutions. The company specializes in offering services such as cash pickup and delivery, cash processing, and ATM cash replenishment, catering primarily to banks, retail chains, and corporate clients. By leveraging its extensive network and technology-driven processes, RADIANTCMS ensures efficient and secure management of cash handling activities, contributing to the streamlined operations of its clients.

How the Company Makes Money

Radiant Cash Management Services Limited makes money through its diverse range of cash management services. The company's primary revenue streams include fees charged for cash pickup and delivery services, which involve collecting cash from clients and delivering it to the designated locations, and cash processing services, which include counting, sorting, and verifying cash before depositing it into clients' bank accounts. Additionally, RADIANTCMS earns revenue from ATM cash replenishment services, where they manage the logistics of refilling ATMs with cash. The company may also have partnerships with banks and financial institutions that help expand its client base and increase service utilization, thereby contributing to its earnings. The use of technology and efficient logistics networks play a crucial role in optimizing operations and reducing costs, further enhancing profitability.

Radiant Cash Management Services Limited Financial Statement Overview

Summary

Radiant Cash Management Services Limited exhibits strong financial performance with significant revenue growth and high profit margins. The balance sheet is stable with a healthy equity ratio and prudent leverage. Cash flow management is effective, though there is variability in investing and financing activities.

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	Mar 2025	Mar 2023	Mar 2024	Mar 2022	Mar 2021
Income Statement
Total Revenue	4.33B	3.55B	3.86B	2.86B	2.22B
Gross Profit	4.27B	1.44B	3.84B	1.14B	931.55M
EBITDA	772.43M	1.08B	684.15M	781.84M	641.09M
Net Income	464.98M	627.27M	447.51M	382.09M	324.33M
Balance Sheet
Total Assets	4.25B	2.79B	3.15B	1.91B	1.62B
Cash, Cash Equivalents and Short-Term Investments	2.50B	1.74B	1.41B	702.06M	537.75M
Total Debt	1.17B	287.42M	327.03M	287.52M	139.89M
Total Liabilities	1.51B	489.24M	612.84M	508.11M	350.47M
Stockholders Equity	2.73B	2.30B	2.53B	1.40B	1.27B
Cash Flow
Free Cash Flow	399.90M	683.08M	208.64M	249.79M	245.82M
Operating Cash Flow	434.20M	742.05M	406.19M	310.84M	276.38M
Investing Cash Flow	-243.93M	-728.48M	80.00M	-23.42M	256.50M
Financing Cash Flow	525.94M	263.97M	-203.57M	-123.11M	-374.37M

Radiant Cash Management Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 51.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 51.95 is below the 20-day moving average (MA) of 57.11, below the 50-day MA of 60.83, and below the 200-day MA of 66.66, indicating a bearish trend. The MACD of -1.94 indicates Positive momentum. The RSI at 39.17 is Neutral, neither overbought nor oversold. The STOCH value of 12.19 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
RPPINFRA	71 Outperform	₹5.46B	7.62		―	-0.58%	-12.30%
RADIANTCMS	68 Neutral	₹5.54B	13.32		4.57%	8.77%	0.62%
RITCO	66 Neutral	₹7.88B	17.82		―	32.13%	9.39%
Sector *	65 Neutral	€8.20B	6.08	14.58%	4.83%	7.11%	-172.79%
AVG	54 Neutral	₹3.67B	16.25		0.49%	15.02%	-41.20%
SICALLOG	41 Neutral	₹6.78B	―		―	43.60%	53.99%

Radiant Cash Management Services Limited Corporate Events

Radiant Cash Management Announces Board Resignation

Radiant Cash Management Services Limited announced the resignation of Mr. Ayyavu Palanichamy Vasanthakumar from his position as Non-Executive Nominee Director. The resignation was due to the nominating investor, Ascent India Fund III, having its shareholding fall below the 5% threshold required for board nomination. This change reflects a shift in the company’s board composition and may impact its governance structure.