Radiant Cash Management Services Limited — PPTs, 13-02-2025: Investor Presentation

### Financial Highlights

Radiant Cash Management Services reported a total income of ₹1,073 million for Q3FY25, marking a 5.2% year-on-year increase. EBITDA stood at ₹191 million with a stable margin of 17.8%, while profit after tax (PAT) reached ₹122 million, resulting in a PAT margin of 11.4%. Operationally, the company boasts among the lowest cash losses in the industry and maintains healthy return ratios, with RoCE at 18.6% and RoE at 19.7%.

### Strategic Initiatives and Growth Drivers

The company has expanded its presence, covering 13,918 pin codes across India, with a significant increase in retail touchpoints and a growing client base. New client additions and operational enhancements highlight a positive growth trajectory, despite facing sluggish consumer demand.

### Business Developments

Radiant has rationalized its pin codes, enhancing operational efficiency, and added 25 new clients along with 97 end customers. The festive season supported a quarter-on-quarter cash movement growth of 6.6%, reaching ₹444 billion.

### Market Position and Competitive Advantage

With a robust footprint in Tier 2 and Tier 3+ locations, Radiant benefits from a diversified client base and long-standing relationships. The company's technological innovations further fortify its competitive edge in cash management services.

### Investor Implications

Overall, Radiant Cash Management Services exhibits a positive outlook, with ongoing operational expansion and strong risk management practices. Investors should watch closely for developments in consumer demand recovery and further expansion in underserved markets.