RLF Ltd - Stock Valuation and Financial Performance

BSE: 512618 | NSE: | Textile | Small Cap

RLF Share Price

11.40 -0.59 -4.92%
as on 04-Oct'24 16:01

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RLF stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
11.4 Cr.
52-wk low:
5.6
52-wk high:
15.3

Is RLF Ltd an attractive stock to invest in?

1. Is RLF Ltd a good quality company?

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

2. Is RLF Ltd undervalued or overvalued?

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

3. Is RLF Ltd a good buy now?

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.

10 Year X-Ray of RLF:

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

Value Creation Index Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
ROCE % 7.1%4.9%0.2%-3.5%-3.1%1.1%-2.4%-4.9%-8.7%-15.9%-
Value Creation
Index
-0.5-0.7-1.0-1.3-1.2-0.9-1.2-1.4-1.6-2.1-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 3.92.71.30.31.210.50.4002
Sales YoY Gr.--30.4%-53.1%-77.3%296.6%-16.5%-52.1%-21.7%-100%NA-
Adj EPS 0.30.3-1-0.2-0.50-0.6-0.6-0.9-1.1-2.3
YoY Gr.--3.5%-439.3%NANANA-2900%NANANA-
BVPS (₹) 9.28.27.37.16.66.45.95.24.321.821.6
Adj Net
Profit
0.30.3-1-0.2-0.50-0.6-0.6-0.9-1.1-2
Cash Flow from Ops. 2.30.330.6-2.1-0.31.8-0.50.10.2-
Debt/CF from Ops. 4.433.4313-4.1-34.43-8.442.817.6-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales -100%-100%-100%NA
Adj EPS -215.6%NANANA
BVPS10.1%27.1%54.7%403%
Share Price 10.7% 33.4% 53.1% 82.4%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Return on
Equity %
11-3.4-0.8-1.80.1-2.1-2.5-3.6-4.1-10.6
Op. Profit
Mgn %
45.144.321.140.93.143-23.9-37.40015.9
Net Profit
Mgn %
7.410.3-73.9-71.6-42.61.8-120.4-176.400-111.5
Debt to
Equity
1.11.41.21.21.41.610.80.90.2-
Working Cap
Days
3345941,1063,0351,1141,9713,5923,5360039
Cash Conv.
Cycle
2624728572,6456929891,6371,2150015

Recent Performance Summary

Debt to equity has declined versus last 3 years average to 0.18

Return on Equity is Poor

Sales growth has been subdued in last 3 years -100.00%

Net Profit has been subdued in last 3 years 0.00%

Sales growth is not so good in last 4 quarters at 0.00%

Latest Financials - RLF Ltd.

Standalone Consolidated
TTM EPS (₹) -2.3 0.7
TTM Sales (₹ Cr.) 2.1 1
BVPS (₹.) 21.6 0
Reserves (₹ Cr.) 12 -2
P/BV 0.53 0.00
PE 0.00 17.09
From the Market
52 Week Low / High (₹) 5.59 / 15.30
All Time Low / High (₹) 0.10 / 15.30
Market Cap (₹ Cr.) 11.4
Equity (₹ Cr.) 10
Face Value (₹) 10
Industry PE 29.3

Management X-Ray of RLF:

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 RLF

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Sales3.922.731.280.291.150.960.460.3600
Operating Expenses 2.161.521.010.171.110.540.570.500.651.10
Manufacturing Costs0.570.350.1300.050.020.180.120.340.38
Material Costs1.140.500.300.010.660.33-0.080.0600
Employee Cost 0.310.420.370.090.230.080.110.190.130.13
Other Costs 0.140.260.200.080.180.110.360.130.180.59
Operating Profit 1.761.210.270.120.040.41-0.11-0.14-0.65-1.10
Operating Profit Margin (%) 44.8%44.3%21.1%40.9%3.1%43.0%-23.9%-37.4%--
Other Income 0.340.230.290.040.190.050.0900.700.97
Interest 0.970.820.9400.210.120.220.150.130.13
Depreciation 0.700.490.520.690.700.300.310.360.800.08
Exceptional Items 000000000-2.44
Profit Before Tax 0.430.13-0.90-0.54-0.680.04-0.55-0.64-0.88-2.78
Tax 0.14-0.150.05-0.33-0.1900000
Profit After Tax 0.280.28-0.94-0.21-0.490.04-0.55-0.64-0.88-2.78
PAT Margin (%) 7.2%10.3%-73.9%-71.6%-42.6%4.7%-120.0%-176.0%--
Adjusted EPS (₹)0.30.3-1.0-0.2-0.50.1-0.6-0.7-0.9-2.8
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

Shareholders Fund 28.9027.9627.0226.8126.3226.2025.642524.1327.79
Share Capital 9.809.809.809.809.809.809.809.809.809.80
Reserves 19.1018.1617.2217.0116.5216.4015.8415.2014.3217.99
Minority Interest0000000000
Debt10.1211.228.767.958.759.835.513.873.973.92
Long Term Debt3.998.094.116.567.378.894.502.833.052.85
Short Term Debt6.123.134.651.391.380.941.011.040.931.07
Trade Payables0.050.0300000000
Others Liabilities 1.511.671.651.411.401.451.26110.88
Total Liabilities 40.5740.8837.4336.1736.4637.4832.4229.8729.1032.59

Fixed Assets

Gross Block36.2237.0837.7937.8137.8437.8437.9635.6835.6842.16
Accumulated Depreciation10.5412.2512.7713.4714.1614.6214.9315.2916.0816.16
Net Fixed Assets25.6824.8325.0224.3423.6723.2223.0320.3919.5926
CWIP 0001.191.802.633.183.183.233.23
Investments 10.8510.859.708.186.145.872.692.692.690.25
Inventories0.900.960.800.800.800.710.840.870.870.87
Trade Receivables2.382.941.331.301.462.210.370.350.470.53
Cash Equivalents 0.290.060.100.210.080.210.010.050.070.08
Others Assets0.481.240.480.152.512.642.302.342.181.63
Total Assets 40.5740.8837.4336.1736.4637.4832.4229.8729.1032.59

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 2.290.342.960.61-2.13-0.291.84-0.460.090.22
PBT 0.430.13-0.90-0.54-0.680.04-0.55-0.64-0.88-2.78
Adjustment 1.641.301.430.690.890.410.530.500.922.64
Changes in Working Capital 0.31-12.350.4-2.34-0.751.86-0.310.080.42
Tax Paid -0.08-0.090.080.06-0.010.010-0.01-0.03-0.05
Cash Flow From Investing Activity -0.11-0.850.450.311.41-0.552.50-0.23-0.05-0.04
Capex -0.11-0.86-0.71-1.21-0.64-0.83-0.68-0.23-0.05-0.04
Net Investments 001.151.522.040.273.18000
Others 00.010.01000.010000
Cash Flow From Financing Activity -2.170.29-3.38-0.810.590.96-4.540.72-0.02-0.17
Net Proceeds from Shares 0000000000
Net Proceeds from Borrowing -1.271.34-3.982.450.811.52-4.38-1.68-0.120.15
Interest Paid -0.90-0.82-0.920-0.20-0.11-0.22-0.15-0.13-0.12
Dividend Paid 0000000000
Others -0.01-0.241.53-3.26-0.01-0.440.072.550.22-0.20
Net Cash Flow 0.01-0.230.040.11-0.130.13-0.200.040.020.01
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Ratios
ROE (%)3.223.3-12.43-2.97-7.330.7-9.18-11.82-18.73-21.73
ROCE (%)7.114.90.23-3.49-3.141.06-2.41-4.87-8.65-15.86
Asset Turnover Ratio0.10.070.030.010.030.030.010.0100
PAT to CFO Conversion(x)8.181.21N/AN/AN/A-7.25N/AN/AN/AN/A
Working Capital Days
Receivable Days1833566101,6474387011,02336200
Inventory Days8412425199825328861485300
Payable Days1228180000000

RLF Ltd Stock News

RLF Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of RLF on 04-Oct-2024 16:01 is ₹11.40.
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 04-Oct-2024 16:01 the market cap of RLF stood at ₹11.39.
The latest P/E ratio of RLF as of 04-Oct-2024 16:01 is 0.00.
The latest P/B ratio of RLF as of 04-Oct-2024 16:01 is 0.53.
The 52-week high of RLF is ₹15.30 and the 52-week low is ₹5.59.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of RLF is ₹2.06 ( Cr.) .

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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