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Roselabs Finance Ltd (531324)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531324 NSE: Finance - NBFC | Small Cap | Roselabs Finance Share Price

₹22 0.50 (2.33%)

As on 04-Jun'26 16:59

Roselabs Finance Ltd (531324)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531324 NSE: Finance - NBFC | Small Cap | Roselabs Finance Share Price

₹22 0.50 (2.33%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹22 Cr.
Current Price
₹22
52-Week Low / High
₹19 / 34
TTM EPS
₹-0.3
Book Value per Share
₹-5
P/E Ratio
0.00
Industry PE
25.6
Price to Book (P/B)
-4.37
Higher than its 5-year historical median
EV/EBITDA
-136.47
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
0.00%
Return on Capital Employed (ROCE)
-173.35%
Return on Assets (ROA)
-38.22%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
-
-37.72%
Book Value Growth (1 Year)
-
-
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹1.2 Cr.
Reserves
₹-15 Cr.
Equity
₹10 Cr.
Face Value
₹10
All Time Low / High
₹0.30 / 64.95

Roselabs Finance stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is Roselabs Finance Ltd a good quality company?
Roselabs Finance Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Roselabs Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Roselabs Finance Ltd vs Industry Peers?
Roselabs Finance Ltd AUM CAGR is -35.68%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of Roselabs Finance Ltd?
Promoters hold 74.25% of the Roselabs Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Roselabs Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -8.5% based on the current price.
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10 Year X-Ray : Login to view analysis.

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.
Roselabs Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)8.22.53000001.10.71
YoY Gr. Rt. %--69.2%20.4%-100%NANANANANA-37.6%-
Adj EPS (₹ ) -2.4-1.4-0.4-0.4-0.1-2.6-0.42-0.1-0.3-0.3
YoY Gr. Rt. %-NANANANANANANA-106.4%NA-
BVPS (₹ )-1.4-2.8-2.8-3.2-3.3-5.9-6.3-4.3-4.4-4.7-5
YoY Gr. Rt. %-NANANANANANANANANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)-8.9-5.4-2.4-9.3-12.3-435.2-509.25142.6-18.7-38.20

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-23.8%NANA-37.6%
Adj EPSNANANANA
BVPSNANANANA
Share Price -6.9% -7.1% -12% -31.7%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)-29.4-56.8-14.300000-11.6-41.1-25.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)00000000006.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 8.212.533.820.0200.1600.151.180.73
Interest Income8.182.523.03000001.140.71
Other Income ⓘ 1.270.180.050.05000000
Exceptional Items ⓘ 0.030.010.790.0200.1600.150.040.02
Expenditure ⓘ + 10.623.964.470.430.140.160.440.691.311.02
Interest Expense ⓘ 2.751.941.650.15000000
Operating Expenses ⓘ 6.611.842.770.240.140.150.440.691.311.02
Provisions 1.270.180.050.05000000
Exceptional Items ⓘ 00000-2.7502.6000
Profit Before Tax ⓘ -2.41-1.43-0.66-0.42-0.14-2.75-0.442.06-0.13-0.29
Taxes ⓘ -0.010-0.23-0.030-0.17-00.0500
Profit After Tax -2.40-1.43-0.43-0.39-0.14-2.57-0.442.02-0.13-0.29
Adjusted EPS (₹)-2.4-1.4-0.4-0.4-0.1-2.6-0.42.0-0.1-0.3
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Roselabs Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +-1.38-2.81-2.79-3.18-3.31-5.88-6.32-4.30-4.44-4.73
Share Capital ⓘ 10101010101010101010
Reserves ⓘ -11.38-12.81-12.79-13.18-13.31-15.88-16.32-14.30-14.44-14.73
Short term borrowings20.4728.547.384.084.494.570000
Long Term Borrowings0.120.130.12-0.11-0.11-0.114.824.224.464.82
Current Liabilities 24.5731.939.904.404.506.091.580.091.390.02
Trade Payables0.560.270.010.0100.020.080.091.380.02
Other Liabilities-21.02-28.81-7.39-4.08-4.50-4.59-0.08-0.09-1.38-0.02
Total Liabilities ⓘ 23.3029.257.241.121.090.100.0701.410.12

Assets

Non Current Asset +5.1212.434.041.111.080.050.05000
Loan Asset 0000000000
Other Non Current Asset ⓘ 5.1212.434.041.111.080.050.05000
Current Asset +18.1816.823.200.010.010.050.0301.410.12
Current Investment0000000000
Other Current Asset18.1816.823.190.010.010.050.0301.410.12
Total Assets ⓘ 23.3029.257.241.121.090.100.0701.410.12

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 7.14-5.6623.11-0.50-0.42-0.20-0.380.58-0.18-0.32
Cash Flow From Investing Activity ⓘ 000000.160000
Cash Flow From Financing Activity ⓘ -6.775.99-23.650.050.420.070.36-0.600.240.37
Net Cash Flow ⓘ 0.370.33-0.54-0.4500.04-0.02-0.020.060.05

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)-2.40-1.40-0.40-0.40-0.10-2.60-0.402-0.10-0.30
DPS (₹)0000000000
BVPS (₹)-1.4-2.8-2.8-3.2-3.3-5.9-6.3-4.3-4.4-4.7

Performance Ratios

ROA (%)-8.9-5.4-2.4-9.3-12.3-435.0-509.05,142.6-18.7-38.2
ROE (%)0.00.00.00.00.00.00.00.00.00.0
ROCE (%)1.52.36.6-9.6-13.00.00.00.0-173.0-173.0

Valuation Parameters

Price/Book(x)-30.9-14.1-7.9-4.5-3.6-5.3-2.6-3.4-5.7-6.0

Management X-Ray

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 (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Roselabs Finance Ltd FAQs

The current trading price of Roselabs Finance on 04-Jun-2026 16:59 is ₹22.00.

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 03-Jun-2026 the market cap of Roselabs Finance stood at ₹22.00 Cr

The latest P/E ratio of Roselabs Finance as of 03-Jun-2026 is 0.00.

The latest P/B ratio of Roselabs Finance as of 03-Jun-2026 is -4.37.

The 52-week high of Roselabs Finance is ₹34.36 and the 52-week low is ₹19.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Roselabs Finance is ₹1.21 ( Cr.) .

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

The key valuation ratios of Roselabs Finance Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

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

About Roselabs Finance Ltd

Roselabs Finance was incorporated on January 4, 1995 and was promoted by Pawankumar Agrawal as a public limited company. It is a non-banking finance company registered with Reserve Bank of India. The registered office of the company is in Gujarat.

Roselabs Finance Limited and Singhal Overseas (the companies within the promoter group and which are also the major shareholders of the company) entered into a share purchase agreement on February 19, 2008 for sale of total 44,72,650 (44.73%) equity shares of the company to Poonam Fast Foods Private Limited pursuant to and in compliance with Regulation 10 and 12 of SEBI (Substantial Acquisition of Shares and Takeovers) regulation 1997 and subsequent amendments thereto, Poonam Fast Foods Private Limited made an open offer and acquired 2,66,531 shares in the said open offer. Poonam Fast Foods Private Limited holds 57,64,181 (57.64%) equity shares of the company and is now the new promoter of the company.

Its Activities:

Roselabs Finance is engaged in all kinds of financial activities and services including providing lease finance and investment activities and intends to develop it as a professionally managed company by expanding its branches and marketing network all over the country. It provides corporate and non corporate loans and has surplus funds invested into equity shares of listing and non listed companies.

The company has started its operations since the last few months in the dimension of lease, hire purchase and portfolio investment activities. The company plans to expand its activities in the area of leasing and hire purchase business and to part-finance the same the company proposes to raise funds by issue of shares to public.

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