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BSE: 531324 | NSE: | Finance - NBFC | Small Cap
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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 93.2 | 24.3 | 8.2 | 2.5 | 3 | 0 | 0 | 0 | 0 | 0 | 1 | |
| YoY Gr. Rt. % | - | -74% | -66.3% | -69.2% | 20.2% | -100% | NA | NA | NA | NA | - | |
| Adj EPS (₹ ) | -3.6 | 0.5 | -2.4 | -1.4 | -0.4 | -0.4 | -0.1 | -2.6 | -0.4 | 2 | -0.1 | |
| YoY Gr. Rt. % | - | NA | -589.8% | NA | NA | NA | NA | NA | NA | NA | - | |
| BVPS (₹ ) | 0.5 | 1 | -1.4 | -2.8 | -2.8 | -3.2 | -3.3 | -5.9 | -6.3 | -4.3 | -4.4 | |
| YoY Gr. Rt. % | - | 96.2% | -235.3% | NA | NA | NA | NA | NA | NA | NA | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -6.6 | 1.7 | -8.9 | -5.4 | -2.4 | -9.3 | -12.3 | -435.2 | -509.2 | 5142.6 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -100% | -100% | NA | NA | ||||||||
| Adj EPS | NA | NA | NA | NA | ||||||||
| BVPS | -226.5% | NA | NA | NA | ||||||||
| Share Price | 5.8% | 16.1% | -2.2% | 54.7% | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | -3.9 | 2 | -29.4 | -56.8 | -14.3 | 0 | 0 | 0 | 0 | 0 | -11.4 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -155.2 | 63.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.3 | |
Return on Equity has increased versus last 3 years average to 3.00%
Total Income has declined 0.00 CAGR in last 3 years
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -0.1 | - |
| TTM Sales (₹ Cr.) | 1.1 | - |
| BVPS (₹.) ⓘ | -4.4 | - |
| Reserves (₹ Cr.) ⓘ | -14 | - |
| P/BV ⓘ | -6.74 | - |
| PE ⓘ | 0.00 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 18.40 / 41.51 |
| All Time Low / High (₹) | 0.30 / 64.95 |
| Market Cap (₹ Cr.) | 29.9 |
| Equity (₹ Cr.) | 10 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 32.2 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 93.29 | 24.30 | 8.21 | 2.53 | 3.82 | 0.02 | 0 | 0.16 | 0 | 0.15 |
| Interest Income | 93.20 | 24.28 | 8.18 | 2.52 | 3.03 | 0 | 0 | 0 | 0 | 0 |
| Other Income ⓘ | 0.09 | 0.01 | 0.03 | 0.01 | 0.79 | 0.02 | 0 | 0.16 | 0 | 0.15 |
| Expenditure ⓘ | 96.91 | 23.80 | 10.62 | 3.96 | 4.47 | 0.43 | 0.14 | 0.16 | 0.44 | 0.69 |
| Interest Expense ⓘ | 3.64 | 3.46 | 2.75 | 1.94 | 1.65 | 0.15 | 0 | 0 | 0 | 0 |
| Operating Expenses ⓘ | 93.08 | 9.57 | 6.61 | 1.84 | 2.77 | 0.24 | 0.14 | 0.15 | 0.44 | 0.69 |
| Provisions | 0.19 | 10.77 | 1.27 | 0.18 | 0.05 | 0.05 | 0 | 0 | 0 | 0 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.75 | 0 | 2.60 |
| Profit Before Tax ⓘ | -3.62 | 0.49 | -2.41 | -1.43 | -0.66 | -0.42 | -0.14 | -2.75 | -0.44 | 2.06 |
| Taxes ⓘ | 0.01 | 0 | -0.01 | 0 | -0.23 | -0.03 | 0 | -0.17 | 0 | 0.05 |
| Profit After Tax | -3.62 | 0.49 | -2.40 | -1.43 | -0.43 | -0.39 | -0.14 | -2.57 | -0.44 | 2.02 |
| Adjusted EPS (₹) | -3.6 | 0.5 | -2.4 | -1.4 | -0.4 | -0.4 | -0.1 | -2.6 | -0.4 | 2.0 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 0.52 | 1.02 | -1.38 | -2.81 | -2.79 | -3.18 | -3.31 | -5.88 | -6.32 | -4.30 |
| Share Capital ⓘ | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| Reserves ⓘ | -9.48 | -8.98 | -11.38 | -12.81 | -12.79 | -13.18 | -13.31 | -15.88 | -16.32 | -14.30 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0.03 | 0.12 | 0.12 | 0.13 | 0.12 | -0.11 | -0.11 | -0.11 | 4.82 | 4.22 |
| Current Liabilities | 25.38 | 29.82 | 24.57 | 31.93 | 9.90 | 4.40 | 4.50 | 6.09 | 1.58 | 0.09 |
| Trade Payables | 0.12 | 0.73 | 0.56 | 0.27 | 0.01 | 0.01 | 0 | 0.02 | 0.08 | 0.09 |
| Short term borrowings | 21.58 | 25.26 | 20.47 | 28.54 | 7.38 | 4.08 | 4.49 | 4.57 | 0 | 0 |
| Other Liabilities | -21.70 | -25.99 | -21.02 | -28.81 | -7.39 | -4.08 | -4.50 | -4.59 | -0.08 | -0.09 |
| Total Liabilities ⓘ | 25.94 | 30.96 | 23.30 | 29.25 | 7.24 | 1.12 | 1.09 | 0.10 | 0.07 | 0 |
Assets | ||||||||||
| Non Current Asset | 10.17 | 8.74 | 5.12 | 12.43 | 4.04 | 1.11 | 1.08 | 0.05 | 0.05 | 0 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 10.17 | 8.74 | 5.12 | 12.43 | 4.04 | 1.11 | 1.08 | 0.05 | 0.05 | 0 |
| Current Asset | 15.77 | 22.22 | 18.18 | 16.82 | 3.20 | 0.01 | 0.01 | 0.05 | 0.03 | 0 |
| Current Investment | 0.10 | 0.10 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 15.67 | 22.12 | 18.18 | 16.82 | 3.19 | 0.01 | 0.01 | 0.05 | 0.03 | 0 |
| Total Assets ⓘ | 25.94 | 30.96 | 23.30 | 29.25 | 7.24 | 1.12 | 1.09 | 0.10 | 0.07 | 0 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 53.55 | -1.74 | 7.14 | -5.66 | 23.11 | -0.50 | -0.42 | -0.20 | -0.38 | 0.58 |
| Cash Flow From Investing Activity ⓘ | 2.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0.16 | 0 | 0 |
| Cash Flow From Financing Activity ⓘ | -57.63 | 1.93 | -6.77 | 5.99 | -23.65 | 0.05 | 0.42 | 0.07 | 0.36 | -0.60 |
| Net Cash Flow ⓘ | -1.46 | 0.19 | 0.37 | 0.33 | -0.54 | -0.45 | 0 | 0.04 | -0.02 | -0.02 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | -4 | 0 | -2 | -1 | 0 | 0 | 0 | -3 | 0 | 2 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 1 | 1 | -1 | -3 | -3 | -3 | -3 | -6 | -6 | -4 |
Performance Ratios | ||||||||||
| ROA (%) | -6.6 | 1.7 | -8.9 | -5.4 | -2.4 | -9.3 | -12.3 | -435.0 | -509.0 | 5,142.6 |
| ROE (%) | -155.0 | 63.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| ROCE (%) | 0.0 | 16.4 | 1.5 | 2.3 | 6.6 | -9.6 | -13.0 | 0.0 | 0.0 | 0.0 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 29.2 | 24.3 | -30.9 | -14.1 | -7.9 | -4.5 | -3.6 | -5.3 | -2.6 | -3.4 |
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.
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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