Ramchandra Leasing and Finance Ltd

₹ 14.3 -2.92%

05 Jun - close price

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 ₹ 116 Cr.
Current Price ₹ 14.3
High / Low ₹ 16.3 / 2.80
Stock P/E 35.8
Book Value ₹ 3.62
Dividend Yield 0.00 %
ROCE 22.9 %
ROE 18.5 %
Face Value ₹ 1.00

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Pros

Cons

Stock is trading at 3.95 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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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	0.38	0.03	0.01	0.06	0.36	0.11	0.07	0.16	0.03	0.17	0.17	2.09	9.63
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.10
	0.36	0.03	0.01	0.06	0.34	0.11	0.07	0.16	0.02	0.17	0.01	1.67	6.01
Financing Profit	0.02	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.01	0.00	0.16	0.42	3.52
Financing Margin %	5.26%	0.00%	0.00%	0.00%	5.56%	0.00%	0.00%	0.00%	33.33%	0.00%	94.12%	20.10%	36.55%
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.06
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06
Profit before tax	0.02	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.01	0.00	0.16	0.43	3.52
Tax %	0.00%				0.00%				0.00%		25.00%	27.91%	25.28%
	0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.01	0.00	0.12	0.31	2.63
EPS in Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.04	0.32
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
	0.21	0.40	0.31	0.34	0.53	0.62	0.58	0.51	0.47	0.46	0.38	12.06
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
	0.17	0.35	0.24	0.30	0.45	0.59	0.55	0.49	0.45	0.44	0.36	7.68
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
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%
	0.01	0.00	0.02	0.02	0.02	0.01	0.00	0.00	0.00	0.00	0.00	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
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
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
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
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:	3074%

Compounded Profit Growth
10 Years:	66%
5 Years:	218%
3 Years:	587%
TTM:	16100%

Stock Price CAGR
10 Years:	1%
5 Years:	105%
3 Years:	161%
1 Year:	375%

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 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loans (Total Advances)
INR Lakhs

xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx
	x	x	x	x	x	x	x	x	x	x	x
	x	x	x						x	x	x
									x.xx	x.xx	x.xx

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Number of Branches
Number

Number of Permanent Employees
Number

Capital to Risk-weighted Assets Ratio (CRAR)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	54.93%	54.93%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%	0.00%
	88.49%	88.49%	88.50%	88.49%	88.50%	88.50%	88.49%	88.49%	88.49%	88.49%	45.06%	45.07%
No. of Shareholders	12,146	12,487	12,778	14,406	14,905	15,635	15,738	15,998	16,133	16,079	15,492	14,848

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	54.93%
	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.00%
	88.50%	88.50%	88.50%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	45.07%
No. of Shareholders	768	929	915	946	2,230	4,865	12,075	14,406	15,998	14,848

* 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.

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Ramchandra Leasing and Finance Ltd

Ramchandra Leasing and Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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