Richfield Financial Services Ltd
₹ 18.2
-0.11%
30 Sep
- close price
About
Incorporated in 1992, Richfield Financial Services Ltd is in the business of Finance and Investment in Shares and Securities[1]
Key Points
- Market Cap ₹ 17.6 Cr.
- Current Price ₹ 18.2
- High / Low ₹ 46.4 / 16.6
- Stock P/E 28.8
- Book Value ₹ 14.7
- Dividend Yield 0.00 %
- ROCE 9.13 %
- ROE 3.10 %
- Face Value ₹ 10.0
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding is low: 37.1%
- Company has a low return on equity of 4.03% over last 3 years.
- Promoter holding has decreased over last 3 years: -10.4%
* 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
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.11 | 0.55 | 0.93 | 0.67 | 0.45 | 0.36 | 1.07 | 0.43 | 0.34 | 1.78 | 4.35 | 12.20 | 14.91 | |
| 1.02 | 0.49 | 0.69 | 0.49 | 0.21 | 0.64 | 0.56 | 0.28 | 0.31 | 0.99 | 3.40 | 7.68 | 8.91 | |
| Operating Profit | 0.09 | 0.06 | 0.24 | 0.18 | 0.24 | -0.28 | 0.51 | 0.15 | 0.03 | 0.79 | 0.95 | 4.52 | 6.00 |
| OPM % | 8.11% | 10.91% | 25.81% | 26.87% | 53.33% | -77.78% | 47.66% | 34.88% | 8.82% | 44.38% | 21.84% | 37.05% | 40.24% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.02 | 0.14 | 0.66 | 0.84 | 0.85 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 1.35 | 4.78 | 5.93 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.07 | 0.13 | 0.10 | 0.11 |
| Profit before tax | 0.09 | 0.06 | 0.24 | 0.18 | 0.24 | -0.28 | 0.51 | 0.16 | 0.01 | 0.84 | 0.13 | 0.48 | 0.81 |
| Tax % | 22.22% | 16.67% | 4.17% | 0.00% | 20.83% | 3.57% | 15.69% | 12.50% | 0.00% | 22.62% | 7.69% | 22.92% | |
| 0.07 | 0.04 | 0.23 | 0.18 | 0.19 | -0.29 | 0.44 | 0.14 | 0.01 | 0.65 | 0.13 | 0.35 | 0.61 | |
| EPS in Rs | 0.09 | 0.05 | 0.31 | 0.24 | 0.25 | -0.39 | 0.59 | 0.19 | 0.01 | 0.87 | 0.17 | 0.36 | 0.75 |
| 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: | 36% |
| 5 Years: | 63% |
| 3 Years: | 230% |
| TTM: | 156% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 24% |
| 5 Years: | -4% |
| 3 Years: | 227% |
| TTM: | 239% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 34% |
| 3 Years: | 53% |
| 1 Year: | -44% |
| Return on Equity | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 3% |
| 3 Years: | 4% |
| Last Year: | 3% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 | 3.75 | 7.50 | 9.66 |
| Reserves | 1.95 | 1.99 | 2.22 | 2.40 | 5.45 | 3.68 | 4.12 | 4.19 | 4.19 | 4.84 | 0.92 | 4.50 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.21 | 25.82 | 66.83 | |
| 0.03 | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 | 0.08 | 0.10 | 0.22 | 0.41 | 0.85 | 3.57 | |
| Total Liabilities | 5.73 | 5.75 | 5.98 | 6.16 | 9.21 | 7.47 | 7.95 | 8.04 | 8.16 | 10.21 | 35.09 | 84.56 |
| 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | 0.12 | 0.17 | 1.02 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.80 | 0.86 | 2.86 | 4.16 | 5.78 | 4.52 | 5.14 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 4.92 | 4.88 | 3.11 | 1.99 | 3.43 | 2.95 | 2.81 | 8.04 | 8.06 | 10.09 | 34.92 | 83.54 | |
| Total Assets | 5.73 | 5.75 | 5.98 | 6.16 | 9.21 | 7.47 | 7.95 | 8.04 | 8.16 | 10.21 | 35.09 | 84.56 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.32 | -0.03 | 1.98 | 1.13 | -0.88 | -0.23 | -0.28 | 2.73 | -1.98 | -5.37 | -20.72 | -47.32 | |
| 0.33 | -0.04 | -1.94 | -1.18 | 1.49 | -0.41 | 0.17 | 5.20 | 0.19 | -0.09 | -3.21 | 2.11 | |
| 0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 25.00 | 46.41 | |
| Net Cash Flow | 0.04 | -0.07 | 0.03 | -0.05 | 0.61 | -0.64 | -0.11 | 7.93 | -1.78 | -5.46 | 1.06 | 1.20 |
| Free Cash Flow | -0.32 | -0.03 | 1.98 | 1.13 | -0.88 | -0.23 | -0.28 | 2.73 | -2.13 | -5.46 | -20.90 | -48.28 |
| CFO/OP | -344% | 0% | 846% | 644% | -367% | 71% | -55% | 1,820% | -6,600% | -680% | -2,181% | -1,047% |
Ratios
Standalone / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | 150.56 | 438.00 | 0.00 | |||||||||
| Days Payable | 0.00 | 0.00 | ||||||||||
| Cash Conversion Cycle | 150.56 | 438.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 118.38 | 192.45 | 35.32 | 54.48 | 56.78 | 60.83 | 34.11 | 25.47 | -150.29 | -22.56 | 78.03 | -3.89 |
| ROCE % | 1.59% | 1.05% | 4.10% | 2.97% | 3.13% | -3.37% | 6.67% | 2.02% | 0.13% | 9.70% | 6.72% | 9.13% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Other Loans AUM INR Lakhs |
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| Total AUM / Loan Portfolio INR Lakhs |
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| Number of Permanent Employees count |
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| Gold Loan AUM INR Lakhs |
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| Microfinance Loan AUM INR Lakhs |
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| Personal Loan AUM INR Lakhs |
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Documents
Announcements
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
- Shareholder Meeting / Postal Ballot-Outcome of AGM
- Closure of Trading Window
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Board Meeting Outcome for Board Meeting Outcome Held On September 07, 2026.
- Board approved private placement of 1 lakh secured NCDs aggregating Rs10 crore, allotment on October 3, 2026.
-
Board Meeting Intimation for Prior Intimation Of Board Meeting Which Is To Be Held On 07-09-2026.
- Board to meet on 7 September 2026 to consider Series VI NCD issue on private placement.
Annual reports
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Annual Report 2026
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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Business Transformation
RFSL transitioned from an investment firm into a lending business after expanding into gold loans and financing in FY24. By FY26, lending became its primary business with zero investments, while building a secured retail franchise alongside material unsecured loans.[1] [2] [3]