Investor Presentation

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 – 400 001 Scrip Code: 543732, Scrip Symbol: RADIANTCMS, ISIN: INE855R01021 Sub: Investor Presentation for the Earnings Call scheduled on Tuesday, August 18, 2026 at 11:00 a.m. Dear Ma’am/Sir(s), Pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed a copy of the “Earnings Conference Call – Presentation” on the Un-Audited Standalone and Consolidated Financial Results of the Company for the quarter ended June 30, 2026, which is circulated to the Investors / Analysts for the Earnings Conference Call scheduled on Tuesday, August 18, 2026, at 11:00 a.m. (IST) Kindly take the above details on record. Thanking you, Yours faithfully, For RADIANT CASH MANAGEMENT SERVICES LIMITED Nithin Tom Company Secretary A53056 Investor Presentation Q1 FY27 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 or variations of these expressions or negatives of these terms indicating future performance or results, financial or otherwise, which are forward looking statements. These forward looking statements are based on certain expectations, assumptions, anticipated developments and other factors which are not limited to, risk and uncertainties regarding fluctuations in earnings, market growth, intense competition and the pricing environment in the market, consumption level, ability to maintain and manage key customer relationship and supply chain sources and those factors which may affect our ability to implement business strategies successfully, namely changes in regulatory environments, political instability, change in international oil prices and input costs and new or changed priorities of the trade. Radiant Cash Management Services Ltd (“The Company”), therefore, cannot guarantee that the forward-looking statements made herein shall be realized. The Company, based on changes as stated above, may alter, amend, modify or make necessary corrective changes in any manner to any such forward looking statement contained herein or make written or oral forward looking statements as may be required from time to time on the basis of subsequent developments and events. The Company does not undertake any obligation to update forward looking statements that may be made from time to time by or on behalf of the Company to reflect the events or circumstances after the date hereof. 01 Financial Performance 02 Business Overview 03 Key Performance Indicators 04 Team 05 Summary Financials Financial Performance 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 -10.1% Q-Q EBITDA margins dropped by 2.4% y-o-y on 5.1% Q-Q 1,077.2 -5.7% Q-Q account of increase in minimum wages in 95.4 many states, shortage of armed guards in 159.9 few states and continued losses in RVL 89.4 154.2 Company has sought significant price 1,025.0 revision with all its customers and expects 1,006.4 it to materialize in the current quarter. 80.4 145.3 Lowest cash losses in the Industry continued in this Quarter RVL has steadily improved its performance and expect to breakeven in Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 the current quarter Acemoney losses have narrowed down and expected to achieve EBITDA breakeven in Q3FY27 Financial Snapshot 1077 145 13.5 80 7.5 10.9 11.0 Total Income EBITDA EBITDA Margin PAT PAT Margin RoCE^ RoE^ (₹ mn) (₹ mn) (%) (₹ mn) (%) (%) (%) ^ Numbers annualized for the quarter ended 30 Jun 2026 5 Q1FY27 Results – Operational Highlights Pin Codes Total Touch Points Cash Movement (bn) While our footprint increased with more pincodes covered, points dropped on 431.9 14,997 77,982 account of discontinuation of few low 14,844 value points 77,521 Total cash movement for Q1FY27 stood at INR 432 bn, a growth of 2.3% over 422.3 77,014 421.3 same period last year 14,095 We added a total of 33 new end customers in this quarter. Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Q1FY27 FY25 FY26 Q1FY27 Cash van operations continued to grow at a healthy pace and account for 15.8% of revenues Operational Snapshot^ 14,997 77,014 9,183 432 62 882 10,243 Pin Codes Touch Points Locations Total Currency Revenue from Fabricated Total Workforce Movement (₹ bn) Tier 3+ cities (%) Armoured Vans ^ All data for the quarter ended 30 Sep 2025. Cash Movement number is for Q2FY26 Revenues across Segments and Industries SEGMENTS INDUSTRIES Q1FY27 Q1FY26 Q1FY27 Q1FY26 36.8% BFSI 33.4% 56.8% 58.9% Cash Pick-Up & Delivery 15.5% E-Commerce 18.0% 21.5% 21.3% Network Cash Management 21.4% Organized Retail 19.1% 4.1% 6.1% 2.6% E-Com Logistics 2.3% Cash Processing Railways 1.4% 1.8% 15.8% Cash Van Operations 10.9% Petroleum 4.1% 4.4% 1.8% 2.8% Others 18.2% Others 21.0% 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 3.4% 675 5.0% As a % of Total Income 65.6% 66.5% 66.0% EBITDA 119 111* 7.9% 118 0.7% EBITDA Margin (%) 11.0% 10.7% 30 bps 11.6% -56 bps Finance costs 22 23 12 Depreciation 30 30 28 Profit Before Tax (PBT) 68 26 156.0% 79 -14.2% Tax Expense 15 (3) 21 Profit After Tax (PAT) 52 30 76.2% 58 -9.5% Net Profit Margin (%) 4.8% 2.9% 195 bps 5.6% -82 bps * Exceptional item not considered for calculation of consolidated EBITDA Business 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 standing relationship Robust Operational Risk Management 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 o outlet on daily basis or on cash is deposited in Radiant’s counted and verified at the crew comprising driver, armed (providing trained manpower c ivt p request and deposit the cash bank account in locations time of pick-up (as against guards, cash custodian on at end user location for r er c in client’s bank account. Also where client does not have a sealed bag pick-up) for an short or long term lease handling large volumes of Ss selectively deliver cash to bank branch and additional fee mostly to banks for their own cash in high footfall D end-user outlets based on subsequently transfer funds bulk handling of cash outlets), Vault operations request from banks electronically (between branches and where banks and others rent vaults) our vaults for storing of cash or valuables Fixed amount per point per Variable amount linked Fees directly linked to A fixed amount per van per MBC is billed as per e month, based on the location directly to the amount of cash quantum of cash picked up month (or per day) with headcount per month. Vault u nl e d of the outlet, and the daily deposited in Radiant’s bank additional charges for excess rent is billed based on e vo cash limit. account usage of time and distance, quantum and value of storage, e R if any. and its duration. Growth in number of points, Grow [Showing first 8,000 characters — download PDF for full document]