Richfield Financial Services Ltd - Stock Valuation and Financial Performance

BSE: 539435 | NSE: | Finance - NBFC | Small Cap

Richfield Financial Share Price

53.34 -1.08 -1.98%
as on 16-Apr'24 16:01

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Richfield Financial Services stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
20.4 Cr.
52-wk low:
8.7
52-wk high:
54.4

Is Richfield Financial Services Ltd an attractive stock to invest in?

1. Is Richfield Financial Services Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Richfield Financial Services Ltd is a below average quality company.

2. Is Richfield Financial Services Ltd undervalued or overvalued?

The key valuation ratios of Richfield Financial Services Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Richfield Financial Services Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Richfield Financial Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Richfield Financial:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Richfield Financial Services Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)0.81.20.70.90.70.50.41.10.50.30
YoY Gr. Rt. %-54.7%-37.9%29.2%-29%-31.8%-15.6%181.6%-57.9%-26.7%-
Adj EPS (₹ ) 0.30.20.10.60.50.5-0.81.20.400
YoY Gr. Rt. %--38.7%-47.4%500%-20%6.3%-249%NA-68.1%-94.6%-
BVPS (₹ )1515.215.315.916.424.519.82121.221.222.6
YoY Gr. Rt. %-1.1%0.7%4.1%3%49.5%-19.3%6%0.9%0.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.11.30.73.832.5-3.45.71.70.10

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-8.7%-12.9%-4.6%-26.7%
Adj EPS-26.3%-47%NA-94.6%
BVPS3.9%5.3%2.3%0.1%
Share Price - 35.2% 94.9% 511.7%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)15.46.25.324.22742.3-74.740.730.52.62.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)2.11.30.73.932.5-3.45.71.70.10.1

Recent Performance Summary

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 0.10%

Total Income has declined 1139.77 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - Richfield Financial Services Ltd.

Standalone Consolidated
TTM EPS (₹) 0 0.6
TTM Sales (₹ Cr.) 0.3 0.9
BVPS (₹.) 22.6 0
Reserves (₹ Cr.) 5 2
P/BV 2.41 0.00
PE 0.00 90.07
From the Market
52 Week Low / High (₹) 8.72 / 54.42
All Time Low / High (₹) 7.01 / 53.36
Market Cap (₹ Cr.) 20.4
Equity (₹ Cr.) 3.8
Face Value (₹) 10
Industry PE 31.7

Management X-Ray of Richfield Financial:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Richfield Financial

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income0.821.190.720.930.670.450.391.070.460.35
Interest Income0.751.160.720.930.660.450.381.070.450.33
Other Income 0.070.030000000.010.02
Expenditure 0.691.100.670.700.490.220.660.560.300.34
Interest Expense 0000000000
Operating Expenses 0.691.030.450.490.240.220.340.410.280.34
Provisions 00.080.220.210.2500.320.150.020
Exceptional Items 0000000000
Profit Before Tax 0.130.090.050.230.180.24-0.280.510.160.01
Taxes 0.020.010.010.0100.050.010.080.020
Profit After Tax 0.120.070.040.230.180.19-0.290.440.140.01
Adjusted EPS (₹)0.30.20.10.60.50.5-0.81.20.40.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital5.615.705.745.976.159.207.437.877.947.95
Share Capital 3.733.753.753.753.753.753.753.753.753.75
Reserves 1.881.951.992.222.405.453.684.124.194.19
Minority Interest0000000000
Long Term Borrowings0000000.010.070.070.07
Current Liabilities 0.030.030.010.010.010.010.030.010.020.14
Trade Payables0000000000
Short term borrowings0000000000
Other Liabilities0000000000
Total Liabilities 5.645.735.755.986.169.207.477.958.038.15

Assets

Non Current Asset 4.825.075.255.655.878.347.237.8101.56
Loan Asset 0000000000
Other Non Current Asset 4.825.075.255.655.878.347.237.8101.56
Current Asset 0.820.660.500.330.290.870.240.148.036.59
Current Investment0000000000
Other Current Asset0.820.660.500.330.290.870.240.148.036.59
Total Assets 5.645.735.755.986.169.207.477.958.038.15

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -0.31-0.32-0.031.981.13-0.88-0.23-0.282.73-1.98
Cash Flow From Investing Activity 0.130.33-0.04-1.94-1.181.49-0.410.175.200.19
Cash Flow From Financing Activity 00.0300000000
Net Cash Flow -0.180.04-0.070.03-0.050.61-0.64-0.117.93-1.78
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)000101-1100
DPS (₹)0000000000
BVPS (₹)15151516162520212121

Performance Ratios

ROA (%)2.11.30.73.83.02.5-3.45.71.70.1
ROE (%)2.11.30.73.93.02.5-3.45.71.70.1
ROCE (%)2.41.50.94.03.03.1-3.46.72.00.1

Valuation Parameters

Price/Book(x)0.00.00.00.80.00.50.40.00.00.0

Richfield Financial Services Ltd Stock News

Richfield Financial Services Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Richfield Financial on 16-Apr-2024 16:01 is ₹53.34.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 16-Apr-2024 16:01 the market cap of Richfield Financial stood at ₹20.41.
The latest P/E ratio of Richfield Financial as of 16-Apr-2024 16:01 is 0.00.
The latest P/B ratio of Richfield Financial as of 16-Apr-2024 16:01 is 2.41.
The 52-week high of Richfield Financial is ₹54.42 and the 52-week low is ₹8.72.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Richfield Financial is ₹0.33 ( Cr.) .

About Richfield Financial Services Ltd

Richfield Financial Services Limited was incorporated on April 16, 1992 in the state of West Bengal as a Private Limited Company under the name & style of Richfield Financial Services Limited with the objects of carrying on the business of providing financial services, viz., Merchant Banking, Stock Broking, Portfolio Management, Project Consultancy, Loan Syndication.

Business area of the company

The company is engaged in the business of Finance and Investment in Shares and Securities.

Investment in Shares & Securities: The Company is also engaged in trading of shares and securities. The Company has built-up a Data Bank and Research Division to effectively handle the assignments and to provide technical analysis to the interested section of the investing society. The Company’s existing investments are being held as long-term assets/ basic stock-in-trade and as such, the returns from them are not related in the operations of the Company although market value thereof is more than the book value.

Short Term Financing: The company has engaged itself in the short term financing. Short Term Financing ranging from 3 to 6 months is a good avenue to park surplus funds in any organisation. In the process, it faces the risk of untimely repayment and consequently it may also have to resort to similar means of financing to meet its shortfall. The company has to ensure careful scrutiny of prospective companies before financing.

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