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Radiant Cash Management Services Limited (RADIANTCMS) Fair Value & Analysis

Industrials · IN · Market cap ₹4.2B

RC Radiant Cash Management Services Limited RADIANTCMS · NSE
Price₹34.86
Fair Value₹56.95
Upside+63.4%
Quality50/100
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Mixed Growth
Thin margins · 7.5% net margin
Low debt · generates free cash flow
6.44% dividend yield
Ranks above peers (10/14)
Moderate moat 47/100
Evidence: High Range ₹42.95 – ₹70.47 Share as image

Fair value as of: Aug 13, 2026

From 26 valuation models · updated 4 days ago

Share price −8.4% over the past month.

A solid business, screening 63% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (₹42.95). The market is more pessimistic than our downside scenario.
  • Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (4 years)

₹100.59 ₹32.76 Fair Value ₹56.95 Jan 2023 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

43‑month range ₹32.76 – ₹100.59 · fair‑value band ₹42.95 – ₹70.47 · the ₹34.86 price screens below the ₹56.95 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Radiant Cash Management Services Limited (RADIANTCMS) currently trades at ₹34.86, while our model-based Fair Value estimate is ₹56.95, implying the stock looks roughly 63.4% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Industrials sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Radiant Cash Management Services Limited generated revenue of ₹4.3B at a net margin of 7.5%. Revenue declined 3.4% year over year. It earns a return on equity of 10.2%. The balance sheet holds a net cash position of ₹307M. Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹42.95 (bear case) to ₹70.47 (bull case); at ₹34.86, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 43% below its 52-week high and 8% above its 52-week low, currently below its 200-day average. For context, the median of 10 Industrials peers we cover trades at -38% fair-value upside, at 63%, RADIANTCMS screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF ₹34.98 ₹44.11 ₹58.35 80
Residual Income ₹23.69 ₹26.82 ₹40.44 76
Rev-Margin DCF ₹44.21 ₹62.96 ₹86.31 74
All 26 models by family
DCF Models
FCF DCF ₹35.01 ₹44.82 ₹60.58 38
Owner Earnings ₹65.22 ₹95.84 ₹145.05 31
5Y Revenue Exit ₹44.21 ₹63.59 ₹89.83 39
5Y EBITDA Exit ₹50.49 ₹76.18 ₹108.08 41
5Y P/E Exit ₹54.14 ₹83.48 ₹116.53 38
10Y Revenue Exit ₹39.84 ₹56.79 ₹82.42 36
10Y EBITDA Exit ₹44.78 ₹65.65 ₹96.94 37
10Y P/E Exit ₹47.12 ₹70.80 ₹103.65 35
Earnings-Based
Graham-Dodd ₹20.56 ₹85.72 ₹116.88 54
Lynch FV ₹21.69 ₹30.98 ₹40.28 50
PEG = 1.0 ₹21.69 ₹30.98 ₹40.28 46
EPV ₹45.77 ₹49.71 ₹53.11 59
Dividend Discount
Gordon GGM ₹21.96 ₹43.75 ₹66.25 70
DDM Multi-Stage ₹21.96 ₹37.81 ₹46.18 61
Multiples
P/E Multiple ₹47.61 ₹63.48 ₹79.35 63
P/S Multiple ₹38.54 ₹51.39 ₹64.24 58
P/B Multiple ₹38.54 ₹51.39 ₹64.24 55
EV/EBIT ₹61.33 ₹74.85 ₹88.37 53
EV/EBITDA ₹62.30 ₹76.14 ₹89.97 54
EV/Revenue ₹49.72 ₹62.13 ₹74.53 43
Asset-Based
NCAV (Graham) ₹13.03 ₹17.46 ₹26.06 50
Growth DCF
Growth DCF ₹34.98 ₹44.11 ₹58.35 80
Rev-Margin DCF ₹44.21 ₹62.96 ₹86.31 74
Economic Profit
Residual Income ₹23.69 ₹26.82 ₹40.44 76
ROIC Compounder ₹47.63 ₹54.13 ₹61.34 72
Growth Earnings
Growth-Adj P/E ₹37.04 ₹52.91 ₹68.78 68

Widest divergence: DCF Models (₹65.65) versus Asset-Based (₹17.46). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) ₹4.3B
Revenue growth (YoY) -3.4%
Net margin 7.5%
Return on equity 10.2%
Free cash flow ₹129M FY2026
P/E ratio 11.5
More key figures
Operating margin 5.6%
EPS (TTM) ₹3.02
Dividend yield 6.4%
EPS growth (YoY) -35.4%
Net cash ₹307M FY2026

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 52 · Market factors (momentum, volatility) 33

Profitability 59
Margins and returns on capital today
Quality Growth 5
Are margins and returns improving?
Cashflow 31
Earnings quality: real cash, not paper profit
Fin. Strength 85
Balance sheet, leverage, solvency risk
Investment 56
Disciplined investing over empire-building
Low Volatility 78
Calm price path (market factor)
Momentum 20
Price trend over the last 3–12 months (market factor)
52W Momentum 5
Distance to the 52-week high (market factor)
Net Issuance 68
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Radiant Cash Management Services Limited engages in the provision of cash logistics and other related services in India. The company offers cash pick-up and delivery, network currency management, cash processing, and cash vans/cash-in-transit services, as well as other value-added services.

Full company description

Radiant Cash Management Services Limited engages in the provision of cash logistics and other related services in India. The company offers cash pick-up and delivery, network currency management, cash processing, and cash vans/cash-in-transit services, as well as other value-added services. It also provides Radiant Insta Credit App, a platform that offers instant credit services. The company serves restaurants, auto parts suppliers, jewelry stores, electronics retailers, petrol pumps, furniture stores, supermarkets, salons, sports goods retailers, footwear retailers, pharmacies, diagnostics/labs, hospitals, cafes, sweet shops, banks, NBFCs, microfinance institutions, logistics companies, e-commerce businesses, apparel and lifestyle retailers, grocery stores, auto service stations, retail stores, MSME businesses, and cinemas. Radiant Cash Management Services Limited was incorporated in 2005 and is headquartered in Chennai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Radiant Cash Management Services Limited reported revenue of ₹4.3B in FY2026 versus ₹2.9B in FY2022, a compound +10.7%/yr. Reported net income was ₹323M in FY2026, compounding −4.1%/yr from FY2022.

Growth Quality 76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2026)
₹4.3B
Latest YoY
+0.5%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.6%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+14.1%
Avg. growth/yr (8Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+10.3%
Revenue +10.7%/yr
FY22 ₹2.9B
FY23 ₹3.5B
FY24 ₹3.9B
FY25 ₹4.3B
FY26 ₹4.3B
Net income −4.1%/yr
FY22 ₹382M
FY23 ₹627M
FY24 ₹448M
FY25 ₹465M
FY26 ₹323M

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Cite: Fair Value Calculator (2026). "Radiant Cash Management Services Limited Fair Value". https://www.fairvalue-calculator.com/stock/RADIANTCMS

Peer Group

Specialty Business Services · 248 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 50 · Below median
Fair Value upside +63% · Top 25%
Return on equity (TTM) 10% · Above median
Return on assets 5% · Above median
Net margin (TTM) 8% · Above median
Operating margin (TTM) 6% · Below median
Revenue growth -3% · Bottom 25%
Dividend yield (TTM) 6.4% · Top 25%
Debt / equity 0.01× · Lower than median

Valuation Multiples vs Specialty Business Services median · lower = cheaper

P/E (TTM) 11.5× · Cheaper than 75% of peers
P/B 1.50× · Cheaper than median
P/S (TTM) 0.97× · Pricier than median
P/FCF 0.3× · Cheaper than 75% of peers
EV/EBITDA 4.3× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 25
FUTURE 0 · sector 25
PAST 41 · sector 35
HEALTH 100 · sector 91
DIVIDEND 100 · sector 52

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Specialty Business Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Cintas Corporation CTAS $199.52 $95.19 -52%
RELX PLC RELX $34.55 $32.24 -7%
Thomson Reuters Corporation TRI C$142.85 C$70.40 -51%
Copart, Inc CPRT $28.99 $28.59 -1%
Global Payments Inc GPN $88.53 $68.98 -22%
RB Global, Inc RBA C$120.52 C$49.14 -59%
Brambles Limited BXB A$19.89 A$12.28 -38%
UL Solutions Inc ULS $76.68 $33.62 -56%
Aramark ARMK $60.35 $13.18 -78%
ISS A/S ISS kr 288.20 kr 251.13 -13%

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Frequently asked questions

Is Radiant Cash Management Services Limited (RADIANTCMS) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹56.95 versus a price of ₹34.86, about +63% (undervalued).
What is the fair value of RADIANTCMS?
Our model-based fair value for Radiant Cash Management Services Limited is ₹56.95 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹34.86.
What is the quality score of RADIANTCMS?
Radiant Cash Management Services Limited has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Radiant Cash Management Services Limited (RADIANTCMS)?
Radiant Cash Management Services Limited reported trailing-twelve-month revenue of about ₹4.3B (latest available figure, as of Aug 13, 2026).
What is the net profit margin of RADIANTCMS?
The net profit margin of Radiant Cash Management Services Limited is about 7.5%, meaning it keeps roughly 7.5% of revenue as net income. Based on the latest reported figures.
Does Radiant Cash Management Services Limited pay a dividend?
Radiant Cash Management Services Limited currently shows a dividend yield of about 6.44% relative to its recent price (as of Aug 13, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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