Richfield Financial Services Ltd

Richfield Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Richfield Financial Services Ltd

₹ 27.8 0.00%
10 Jun - close price
rfsl.co.in BSE: 539435
About

Incorporated in 1992, Richfield Financial Services Ltd is in the business of Finance and Investment in Shares and Securities[1]

Key Points

Business Overview:[1]
RFSL is a Non-Banking Finance Company and is presently engaged in the business of Investing activity

Website BSE
  • Market Cap ₹ 26.8 Cr.
  • Current Price ₹ 27.8
  • High / Low ₹ 46.4 / 22.2
  • Stock P/E 76.7
  • Book Value ₹ 14.7
  • Dividend Yield 0.00 %
  • ROCE 9.08 %
  • ROE 3.10 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -10.4%
  • Promoter holding is low: 37.1%
  • Company has a low return on equity of 4.03% 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
0.17 0.21 0.40 0.56 0.67 0.74 0.79 1.12 1.72 2.19 2.71 3.00 4.30
0.15 0.24 0.26 0.28 0.36 0.68 0.96 1.21 1.93 1.29 1.46 1.92 3.04
Operating Profit 0.02 -0.03 0.14 0.28 0.31 0.06 -0.17 -0.09 -0.21 0.90 1.25 1.08 1.26
OPM % 11.76% -14.29% 35.00% 50.00% 46.27% 8.11% -21.52% -8.04% -12.21% 41.10% 46.13% 36.00% 29.30%
0.00 0.03 0.05 0.04 0.03 0.00 0.14 0.13 0.39 0.04 0.19 0.29 0.34
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.81 0.95 1.23 1.79
Depreciation 0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.03 0.08 0.03 0.03 0.05 0.00
Profit before tax 0.02 0.00 0.19 0.32 0.34 0.05 -0.03 0.01 0.10 0.10 0.46 0.09 -0.19
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 26.09% 11.11% -10.53%
0.02 0.00 0.19 0.32 0.34 0.05 -0.03 0.01 0.11 0.09 0.34 0.09 -0.16
EPS in Rs 0.03 0.00 0.25 0.43 0.45 0.07 -0.04 0.01 0.15 0.12 0.45 0.12 -0.17
Raw PDF

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
1.11 0.55 0.93 0.67 0.45 0.36 1.07 0.43 0.34 1.78 4.35 12.20
1.02 0.49 0.69 0.49 0.21 0.64 0.56 0.28 0.31 0.99 3.40 7.72
Operating Profit 0.09 0.06 0.24 0.18 0.24 -0.28 0.51 0.15 0.03 0.79 0.95 4.48
OPM % 8.11% 10.91% 25.81% 26.87% 53.33% -77.78% 47.66% 34.88% 8.82% 44.38% 21.84% 36.72%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.02 0.14 0.66 0.87
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 1.35 4.77
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
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
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
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
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: 180%
Compounded Profit Growth
10 Years: 24%
5 Years: -4%
3 Years: 227%
TTM: 169%
Stock Price CAGR
10 Years: 15%
5 Years: 51%
3 Years: 82%
1 Year: -29%
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 26.23 66.83
0.03 0.01 0.01 0.01 0.01 0.04 0.08 0.10 0.22 0.41 0.45 3.56
Total Liabilities 5.73 5.75 5.98 6.16 9.21 7.47 7.95 8.04 8.16 10.21 35.10 84.55
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 34.93 83.53
Total Assets 5.73 5.75 5.98 6.16 9.21 7.47 7.95 8.04 8.16 10.21 35.10 84.55

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% -1,056%

Ratios

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
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 -22.56 112.44 -30.82
ROCE % 1.59% 1.05% 4.10% 2.97% 3.13% -3.37% 6.67% 2.02% 0.13% 9.70% 6.66% 9.08%

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
Assets Under Management (AUM) / Total Loan Portfolio
INR Lakhs

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Number of Employees
Count
Gold Loan Portfolio
INR Lakhs
Personal Loan Portfolio
INR Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
47.52% 47.52% 47.52% 47.52% 47.52% 47.52% 47.52% 47.52% 47.52% 47.52% 47.52% 37.13%
52.47% 52.48% 52.48% 52.49% 52.48% 52.48% 52.47% 52.48% 52.48% 52.47% 52.46% 62.86%
No. of Shareholders 7227217277578659039411,4251,4011,4201,4391,508

Documents

Announcements

Annual reports