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RLF Ltd (512618)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 512618 NSE: Textile | Small Cap | RLF Share Price

₹9.78 -0.54 (-5.23%)

As on 04-Jun'26 16:59

RLF Ltd (512618)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 512618 NSE: Textile | Small Cap | RLF Share Price

₹9.78 -0.54 (-5.23%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹9 Cr.
Current Price
₹9.8
52-Week Low / High
₹8 / 15
TTM EPS
₹-0.3
TTM Sales
₹0.5 Cr.
Book Value per Share
₹28.3
P/E Ratio
0.00
Industry PE
36.6
Price to Book (P/B)
0.35
Lower than its 5-year historical median
Price to Sales (P/S)
19.13
Higher than its 5-year historical median
EV/EBITDA
205.54
Higher than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-0.82%
Underperforms industry median
Return on Capital Employed (ROCE)
0.05%
Underperforms industry median
Return on Assets (ROA)
-0.70%
Operating Profit Margin
-31.9%
Net Profit Margin
-21.13%
Gross Profit Margin
5.4%
Growth Momentum
1-yr vs 3-yr growth
Sales Growth (1 Year)
-
-41.94%
Operating Profit Growth (1 Year)
-
-
Net Profit Growth (1 Year)
-
-675%
Asset Quality
Promoter Holding
59.62%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹18 Cr.
Equity
₹9.6 Cr.
Face Value
₹10
All Time Low / High
₹0.10 / 15.30

RLF stock performance

Key Ratios
mw4me loader

Check Before You Invest

M-Cap below 100cr DeciZen not available

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

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.

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

  • How has it performed on generating Profits?

    By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

How does RLF Ltd performance compare with that of its Peers?
Q.1 Revenue growth of RLF Ltd vs industry peers?
RLF Ltd revenue CAGR is 18.61%, compared to the industry median CAGR of 0%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of RLF Ltd?
Promoters hold 59.62% of the RLF Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of RLF Ltd over the last decade?
Over the last 9 year(s), the stock has delivered a CAGR of 18.8% based on the current price.

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.
RLF Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good

Value Creation

Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
ROCE % 0.2%-3.5%-3.1%1.1%-2.4%-4.9%-8.7%-15.9%0.5%0.1%-
Value Creation
Index
-1.0-1.3-1.2-0.9-1.2-1.4-1.6-2.1-1.0-1.0-

Growth Parameters

Sales 1.30.31.210.50.4001.91.10
Sales YoY Gr.--77.3%296.6%-16.5%-52.1%-21.7%-100%NANA-41.9%-
Adj EPS -1-0.2-0.50-0.6-0.6-0.9-1.10.1-0.2-0.3
YoY Gr.-NANANA-2900%NANANANA-433.3%-
BVPS (₹) 7.37.16.66.45.95.24.321.828.428.228.3
Adj Net
Profit
-1-0.2-0.50-0.6-0.6-0.9-1.10.1-0.2-0
Cash Flow from Ops. 30.6-2.1-0.31.8-0.50.10.2-0.70.5-
Debt/CF from Ops. 313-4.1-34.43-8.442.817.6-5.58-

CAGR

9 Years 5 Years 3 Years 1 Years
Sales -1.9%18.6%NA-41.9%
Adj EPS NANANA-433.3%
BVPS16.2%36.8%86.7%-0.8%
Share Price 19% 25.8% 17.6% 4.2%

Key Financial Parameters

Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Return on
Equity %
-3.4-0.8-1.80.1-2.1-2.5-3.6-4.10.2-0.7-1.2
Op. Profit
Mgn %
21.140.93.143-23.9-37.400-14.5-31.9-88.1
Net Profit
Mgn %
-73.9-71.6-42.61.8-120.4-176.4003.2-18-64.9
Debt to
Equity
1.21.21.41.610.80.90.20.10.10
Working Cap
Days
1,1063,0351,1141,9713,5923,536006471,1532,567
Cash Conv.
Cycle
8572,6456929891,6371,21500392827-1,195

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Sales1.280.291.150.960.460.36001.861.08
Operating Expenses + 1.010.171.110.540.570.500.651.102.131.42
Manufacturing Costs0.1300.050.020.180.120.340.380.200.02
Material Costs0.300.010.660.33-0.080.06001.320.93
Employee Cost 0.370.090.230.080.110.190.130.130.190.09
Other Costs 0.200.080.180.110.360.130.180.590.420.39
Operating Profit 0.270.120.040.41-0.11-0.14-0.65-1.10-0.27-0.34
Operating Profit Margin (%) 21.1%40.9%3.1%43.0%-23.9%-37.4%---14.5%-31.9%
Other Income + 0.290.040.190.050.0900.700.970.500.47
Exceptional Items 0000000-2.44-0.02-0.05
Interest 0.9400.210.120.220.150.130.130.100.07
Depreciation 0.520.690.700.300.310.360.800.080.070.06
Profit Before Tax -0.90-0.54-0.680.04-0.55-0.64-0.88-2.780.04-0.05
Tax 0.05-0.33-0.190000000.18
Profit After Tax -0.94-0.21-0.490.04-0.55-0.64-0.88-2.780.04-0.23
PAT Margin (%) -73.9%-71.6%-42.6%4.7%-120.0%-176.0%--2.4%-21.1%
Adjusted EPS (₹)-1.0-0.2-0.50.1-0.6-0.7-0.9-2.80.1-0.2
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of RLF - Standalone

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

mw4me loader

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

Shareholders Fund + 27.0226.8126.3226.2025.642524.1327.7927.8427.61
Share Capital 9.809.809.809.809.809.809.809.809.809.80
Reserves 17.2217.0116.5216.4015.8415.2014.3217.9918.0317.81
Debt +8.767.958.759.835.513.873.973.923.513.66
Long Term Debt4.116.567.378.894.502.833.052.851.140.66
Short Term Debt4.651.391.380.941.011.040.931.072.383
Minority Interest0000000000
Trade Payables000000000.300.39
Others Liabilities 1.651.411.401.451.26110.881.170.96
Total Liabilities 37.4336.1736.4637.4832.4229.8729.1032.5932.8232.62

Fixed Assets

Net Fixed Assets +25.0224.3423.6723.2223.0320.3919.592625.9926.11
Gross Block37.7937.8137.8437.8437.9635.6835.6842.1642.2242.40
Accumulated Depreciation12.7713.4714.1614.6214.9315.2916.0816.1616.2316.29
CWIP 01.191.802.633.183.183.233.233.233.23
Investments 9.708.186.145.872.692.692.690.2500
Inventories0.800.800.800.710.840.870.870.871.201.95
Trade Receivables1.331.301.462.210.370.350.470.531.700.64
Cash Equivalents 0.100.210.080.210.010.050.070.080.020.03
Others Assets 0.480.152.512.642.302.342.181.630.680.66
Total Assets 37.4336.1736.4637.4832.4229.8729.1032.5932.8232.62

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity + 2.960.61-2.13-0.291.84-0.460.090.22-0.650.46
PBT -0.90-0.54-0.680.04-0.55-0.64-0.88-2.780.04-0.05
Adjustment 1.430.690.890.410.530.500.922.640.160.18
Changes in Working Capital 2.350.4-2.34-0.751.86-0.310.080.42-0.930.33
Tax Paid 0.080.06-0.010.010-0.01-0.03-0.050.07-0
Cash Flow From Investing Activity + 0.450.311.41-0.552.50-0.23-0.05-0.041.07-0.19
Capex -0.71-1.21-0.64-0.83-0.68-0.23-0.05-0.04-0.06-0.18
Net Investments 1.151.522.040.273.180000.250
Others 0.01000.0100000.88-0.01
Cash Flow From Financing Activity + -3.38-0.810.590.96-4.540.72-0.02-0.17-0.48-0.26
Net Proceeds from Shares 0000000000
Net Proceeds from Borrowing -3.982.450.811.52-4.38-1.68-0.12-0.20-0.43-0.48
Interest Paid -0.92-0-0.20-0.11-0.22-0.15-0.13-0.12-0.10-0.39
Dividend Paid 0000000000
Others 1.53-3.26-0.01-0.440.072.550.220.150.050.61
Net Cash Flow 0.040.11-0.130.13-0.200.040.020.01-0.060

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Ratios
ROE (%)-12.43-2.97-7.330.7-9.18-11.82-18.73-21.730.18-0.82
ROCE (%)0.23-3.49-3.141.06-2.41-4.87-8.65-15.860.510.05
Asset Turnover Ratio0.030.010.030.030.010.01000.060.03
PAT to CFO Conversion(x)N/AN/AN/A-7.25N/AN/AN/AN/A-16.25N/A
Working Capital Days
Receivable Days610.201,647.10438.40701.201,023.10361.8000218.80395.10
Inventory Days250.80997.90253.50287.80613.80852.8000202.30532.70
Payable Days18.40000000084.40136.70

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

RLF Ltd FAQs

The current trading price of RLF on 04-Jun-2026 16:59 is ₹9.78.

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 RLF stood at ₹9.43 Cr

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

The latest P/B ratio of RLF as of 03-Jun-2026 is 0.35.

The 52-week high of RLF is ₹14.88 and the 52-week low is ₹7.55.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of RLF is ₹0.49 ( Cr.) .

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

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

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

About RLF Ltd

RLF was incorporated on April 2, 1979 as Raksons Finance and subsequently converted into a public limited company and change of name to Raksons Leasing and Finance, vide fresh certificate of incorporation issued by the Registrar of Companies, Delhi and Haryana, dated December 26, 1985 under the Companies Act, 1956. The name of the company was changed to RLF, vide fresh certificate of incorporation dated March 2, 1994.

RLF has carved a niche for itself over the years by providing various financial services under one roof. The clientele of RLF include established industrial groups like Flex Industries, DLF Universal, Kwality Ice Cream, Inalsa, etc, and its portfolio comprise mainly of auto units and capital goods industry. RLF decided to discontinue leasing, hire-purchase activity with effect from April 1, 1994, as it now proposes to concentrate on the mushroom project.

Business area of the company

RLF is engaged in the business of financial services, hire purchase and leasing. It proposes to diversify in to cultivation and canning of 1890 tpa of white button mushrooms in the assisted sector with Haryana Agro Industries Corporation (HAIC) and financial-cum-technical collaboration with Dalsem Veciap b v Agro  Industries.

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MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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