Raama Finance Ltd

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Raama Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Raama Finance Ltd

₹ 16.1 -3.48%
01 Sep - close price
ramchandrafinance.com BSE: 538540
About

Incorporated in 1998, Ramchandra Leasing and Finance Ltd is doing business as an NBFC

Key Points

Promoter Reclassification and Change in Control[1]
Mr. Akhil Mittal and Ms. Pratika Sharma have been reclassified from the Public Shareholder category to the Promoter category following the completion of equity share transfer from the erstwhile promoter group under the Share Purchase Agreement dated November 29, 2024. The transfer was completed in Jan'26.

Website BSE
  • Market Cap ₹ 130 Cr.
  • Current Price ₹ 16.1
  • High / Low ₹ 20.9 / 4.00
  • Stock P/E 17.6
  • Book Value ₹ 3.62
  • Dividend Yield 0.00 %
  • ROCE 22.9 %
  • ROE 18.5 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 218% CAGR over last 5 years

Cons

  • Stock is trading at 4.44 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 11.5% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.03 0.01 0.06 0.36 0.11 0.07 0.16 0.03 0.17 0.17 2.09 9.63 21.31
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 0.12
0.03 0.01 0.06 0.34 0.11 0.07 0.16 0.02 0.17 0.01 1.67 6.01 14.46
Financing Profit 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.01 0.00 0.16 0.42 3.52 6.73
Financing Margin % 0.00% 0.00% 0.00% 5.56% 0.00% 0.00% 0.00% 33.33% 0.00% 94.12% 20.10% 36.55% 31.58%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.06 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.13
Profit before tax 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.01 0.00 0.16 0.43 3.52 6.60
Tax % 0.00% 0.00% 25.00% 27.91% 25.28% 33.94%
0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.01 0.00 0.12 0.31 2.63 4.35
EPS in Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.04 0.32 0.54
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
0.21 0.40 0.31 0.34 0.53 0.62 0.58 0.51 0.47 0.46 0.38 12.06 33.20
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 0.22
0.17 0.35 0.24 0.30 0.45 0.59 0.55 0.49 0.45 0.44 0.36 7.68 22.15
Financing Profit 0.04 0.05 0.07 0.04 0.08 0.03 0.03 0.02 0.02 0.02 0.02 4.28 10.83
Financing Margin % 19.05% 12.50% 22.58% 11.76% 15.09% 4.84% 5.17% 3.92% 4.26% 4.35% 5.26% 35.49% 32.62%
0.01 0.00 0.02 0.02 0.02 0.01 0.00 0.00 0.00 0.00 0.00 0.07 0.07
Depreciation 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.00 0.00 0.00 0.00 0.06 0.19
Profit before tax 0.02 0.03 0.07 0.04 0.08 0.02 0.01 0.02 0.02 0.02 0.02 4.29 10.71
Tax % 50.00% 33.33% 28.57% 25.00% 25.00% 50.00% 0.00% 0.00% 0.00% 0.00% 0.00% 24.24%
0.02 0.02 0.05 0.02 0.06 0.02 0.01 0.02 0.01 0.02 0.02 3.24 7.41
EPS in Rs 0.00 0.00 0.01 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.40 0.91
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 41%
5 Years: 83%
3 Years: 195%
TTM: 7621%
Compounded Profit Growth
10 Years: 66%
5 Years: 218%
3 Years: 587%
TTM: 74000%
Stock Price CAGR
10 Years: 1%
5 Years: 98%
3 Years: 179%
1 Year: 173%
Return on Equity
10 Years: 5%
5 Years: 8%
3 Years: 11%
Last Year: 19%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 5.12 5.12 5.12 5.12 5.12 5.12 5.12 5.12 5.12 5.12 5.12 8.12
Reserves 0.13 0.16 0.20 0.23 0.29 0.31 0.33 0.37 0.39 0.40 0.50 21.23
Borrowing 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.15 0.34 0.31 0.31 3.01
0.08 0.08 0.11 0.06 0.72 1.50 1.66 1.42 1.36 1.23 0.45 11.60
Total Liabilities 5.33 5.36 5.43 5.41 6.13 6.93 7.11 7.06 7.21 7.06 6.38 43.96
0.39 0.36 0.34 0.32 0.30 0.29 0.01 0.01 0.00 0.00 0.00 1.93
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.76
Investments 0.25 0.15 0.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 9.23
4.69 4.85 4.94 5.09 5.83 6.64 7.10 7.05 7.21 7.06 6.38 32.04
Total Assets 5.33 5.36 5.43 5.41 6.13 6.93 7.11 7.06 7.21 7.06 6.38 43.96

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0.71 -0.35 -0.46 -1.09 -0.47 -0.32 -0.08 0.11 -0.03 1.05 -0.43 -9.50
0.66 0.50 0.31 1.19 0.52 0.05 -0.19 0.04 -0.07 -0.98 0.70 -12.04
0.00 0.00 0.00 0.00 0.00 0.05 0.31 -0.18 0.19 -0.03 -0.25 24.67
Net Cash Flow -0.05 0.15 -0.15 0.10 0.05 -0.22 0.04 -0.03 0.09 0.04 0.02 3.13
Free Cash Flow -0.71 -0.35 -0.46 -1.09 -0.47 -0.32 0.20 0.11 -0.03 1.05 -0.43 -9.50
CFO/OP -1,775% -700% -657% -2,700% -562% -1,033% -267% 550% -150% 5,250% -2,150% -217%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 0.38% 0.38% 0.94% 0.37% 1.12% 0.37% 0.18% 0.37% 0.18% 0.36% 0.36% 18.54%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Loan Portfolio (Term Loans)
Rs. Lakhs

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Total Borrowings (Other than Debt Securities)
Rs. Lakhs
Number of Permanent Employees
count
Capital to Risk-Weighted Assets Ratio (CRAR)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
11.50% 11.50% 11.50% 11.50% 11.50% 11.50% 11.50% 11.50% 11.50% 54.93% 54.93% 54.93%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.00% 0.00% 0.00%
88.49% 88.50% 88.49% 88.50% 88.50% 88.49% 88.49% 88.49% 88.49% 45.06% 45.07% 45.08%
No. of Shareholders 12,48712,77814,40614,90515,63515,73815,99816,13316,07915,49214,84814,725

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

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Credit ratings