Rita Finance and Leasing Ltd

AI
Rita Finance and Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
AI

Rita Finance and Leasing Ltd

₹ 14.5 4.63%
25 Sep - close price
ritafinance.in BSE: 543256
About

Incorporated in 1981, Rita Finance and Leasing Ltd is in the business of an NBFC[1]

Key Points

Business model & current activity
The company earns interest from a small loan book; it also invest/deal in securities.[1] [2]

Asset and funding profile
As of Mar-26, loans were ₹19.30 cr (92.7% of ₹ 20.82 cr assets), investments ₹1 cr, and cash ₹0.16 cr. Borrowings increased to ₹3.31 cr from ₹ 2.52 cr, while net worth was ₹ 17.06 cr. The loan book grew only 2.9% YoY; income growth therefore outpaced balance-sheet expansion. [3] [4]

Website BSE
  • Market Cap ₹ 14.5 Cr.
  • Current Price ₹ 14.5
  • High / Low ₹ 26.2 / 8.92
  • Stock P/E 23.3
  • Book Value ₹ 16.8
  • Dividend Yield 0.00 %
  • ROCE 5.88 %
  • ROE 4.19 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.86 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of -2.51% over past five years.
  • Promoter holding is low: 28.9%
  • Company has a low return on equity of 3.39% over last 3 years.
  • Promoters have pledged 77.3% of their holding.
  • Promoter holding has decreased over last 3 years: -42.8%

* 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)

Edit Columns
Loading peers table ...

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
0.26 0.35 0.28 0.02 0.32 0.23 0.17 0.30 0.37 0.33 0.25 0.38 0.43
Interest 0.00 0.00 0.00 0.09 0.00 0.00 0.00 0.03 0.00 0.00 0.00 0.12 0.01
0.03 0.05 0.05 0.10 0.07 0.13 0.12 0.05 0.07 0.06 0.05 0.10 0.24
Financing Profit 0.23 0.30 0.23 -0.17 0.25 0.10 0.05 0.22 0.30 0.27 0.20 0.16 0.18
Financing Margin % 88.46% 85.71% 82.14% -850.00% 78.12% 43.48% 29.41% 73.33% 81.08% 81.82% 80.00% 42.11% 41.86%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.02
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 0.00
Profit before tax 0.23 0.30 0.23 -0.17 0.25 0.10 0.05 0.26 0.30 0.27 0.20 0.16 0.20
Tax % 26.09% 26.67% 26.09% 0.00% 20.00% 20.00% 20.00% 0.00% 23.33% 25.93% 25.00% 18.75% 20.00%
0.17 0.23 0.17 -0.17 0.19 0.07 0.04 0.25 0.22 0.20 0.15 0.12 0.15
EPS in Rs 0.17 0.23 0.17 -0.17 0.19 0.07 0.04 0.25 0.22 0.20 0.15 0.12 0.15
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
0.09 0.15 0.19 0.26 0.42 0.48 1.51 1.36 1.16 1.10 1.03 1.33 1.39
Interest 0.00 0.01 0.05 0.04 0.04 0.00 0.00 0.44 0.00 0.03 0.14 0.22 0.13
0.08 0.13 0.14 0.19 0.23 0.47 0.66 0.66 0.15 0.62 0.28 0.19 0.45
Financing Profit 0.01 0.01 0.00 0.03 0.15 0.01 0.85 0.26 1.01 0.45 0.61 0.92 0.81
Financing Margin % 11.11% 6.67% 0.00% 11.54% 35.71% 2.08% 56.29% 19.12% 87.07% 40.91% 59.22% 69.17% 58.27%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.31 0.00 0.17 0.04 0.00 0.02
Depreciation 0.01 0.00 0.00 0.00 0.00 0.02 0.01 0.01 0.01 0.00 0.00 0.00 0.00
Profit before tax 0.00 0.01 0.00 0.03 0.15 -0.01 0.84 1.56 1.00 0.62 0.65 0.92 0.83
Tax % 0.00% 33.33% 26.67% 600.00% 10.71% 25.00% 25.00% 27.42% 7.69% 25.00%
0.01 0.01 0.00 0.02 0.11 -0.06 0.75 1.17 0.75 0.45 0.60 0.69 0.62
EPS in Rs 0.50 0.09 0.00 0.07 0.39 -0.17 0.75 1.17 0.75 0.45 0.60 0.69 0.62
Dividend Payout % 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: 24%
5 Years: -3%
3 Years: 5%
TTM: 30%
Compounded Profit Growth
10 Years: 53%
5 Years: -2%
3 Years: -3%
TTM: 7%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -17%
1 Year: -25%
Return on Equity
10 Years: 4%
5 Years: 5%
3 Years: 3%
Last Year: 4%

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 0.20 1.10 1.10 2.80 2.80 3.50 10.00 10.00 10.00 10.00 10.00 10.00
Reserves 1.68 0.78 0.78 1.65 1.82 1.51 3.98 4.76 5.36 5.51 6.14 6.83
Borrowing 0.00 0.50 0.70 0.73 0.80 0.86 0.77 6.47 0.00 0.00 2.52 3.31
0.00 0.02 0.02 0.08 0.20 0.31 0.23 0.35 0.23 0.37 0.38 0.68
Total Liabilities 1.88 2.40 2.60 5.26 5.62 6.18 14.98 21.58 15.59 15.88 19.04 20.82
0.00 0.00 0.00 0.00 0.05 0.03 0.03 0.02 0.01 0.01 0.01 0.00
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 0.02 0.02 0.02 0.02 0.21 0.79 1.09 7.76 0.37 0.00 0.00 1.00
1.86 2.38 2.58 5.24 5.36 5.36 13.86 13.80 15.21 15.87 19.03 19.82
Total Assets 1.88 2.40 2.60 5.26 5.62 6.18 14.98 21.58 15.59 15.88 19.04 20.82

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
0.02 -0.07 -8.76 1.90 -0.70 -0.18 -2.45 0.32
0.14 0.06 1.07 -7.11 7.14 0.18 0.00 -1.00
1.18 0.06 7.70 5.25 -6.47 0.00 2.52 0.67
Net Cash Flow 1.34 0.05 0.02 0.04 -0.03 0.00 0.07 -0.01
Free Cash Flow 0.04 -0.07 -8.77 1.90 -0.70 -0.18 -2.45 0.32
CFO/OP 200% -400% -1,031% 300% -45% -31% -327% 28%

Ratios

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 % 0.75% 0.53% 0.00% 0.63% 2.43% -1.25% 7.90% 8.14% 4.98% 2.14% 3.79% 4.19%

Insights

In beta
Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Impairment Loss Allowance on Loans
Rupees in thousands

Log in to view insights

Please log in to see hidden values.

Login
Interest Income on Loans
Rupees in thousands
Loan Book (Net)
Rupees in thousands
Total Borrowings (Other than Debt Securities)
Rupees in thousands
Total Investments (Equity Instruments at FVTOCI)
Rupees in thousands
Number of Permanent Employees
Number

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

6 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
71.74% 71.74% 71.74% 66.29% 44.79% 30.72% 29.49% 29.49% 29.07% 29.07% 28.89% 28.89%
0.14% 0.00% 0.00% 0.00% 0.08% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01%
28.13% 28.25% 28.27% 33.71% 55.14% 69.29% 70.50% 70.49% 70.91% 70.91% 71.10% 71.10%
No. of Shareholders 1,1701,3001,4491,6551,9522,1492,1921,9692,0322,1152,1202,160

* 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

Annual reports