Richfield Fin

Why is Richfield Financial Services Ltd falling/rising?

As of 31-Aug, Richfield Financial Services Ltd's stock price is Rs. 19.34, reflecting a decline of 0.72%. The stock has significantly underperformed, dropping 46.75% year-to-date and hitting a new 52-week low, indicating a bearish trend and waning investor interest.

As of 31-Aug, Richfield Financial Services Ltd's stock price is falling, currently at Rs. 19.34, which reflects a decrease of Rs. 0.14 or 0.72%. The stock has been underperforming significantly, with a decline of 2.13% over the past week and a substantial drop of 22.64% over the past month. Year-to-date, the stock has plummeted by 46.75%, while the benchmark Sensex has only decreased by 9.70% in the same period.<BR><BR>Today, the stock hit a new 52-week low of Rs. 18.99 and has been on a consecutive decline for the last two days, resulting in a total drop of 5.57% in that timeframe. Additionally, Richfield Financial Services Ltd is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. Investor participation appears to be waning, as evidenced by a 4.14% decrease in delivery volume compared to the 5-day average. Overall, these factors contribute to the ongoing decline in the stock's price.

Who are in the management team of Richfield Fin?

The management team of Richfield Fin consists of Vadasseril Chacko Georgekutty (Managing Director), Midhun Ittoop (Non Executive Director), Neethu Subramoniyan (Independent Director), Varghese Mathew (Non Executive Director), and Indu Ravindran (Independent Director).

The management team of Richfield Fin includes the following individuals:<BR><BR>1. Vadasseril Chacko Georgekutty - Managing Director<BR>2. Midhun Ittoop - Non Executive Director<BR>3. Neethu Subramoniyan - Independent Director<BR>4. Varghese Mathew - Non Executive Director<BR>5. Indu Ravindran - Independent Director<BR><BR>If you have any more questions about the company or its operations, feel free to ask!

What does Richfield Fin do?

Richfield Financial Services Ltd is a Non Banking Financial Company (NBFC) focused on the micro cap market, with a recent quarterly net sales of 5 Cr and a market cap of INR 19 Cr. The company has a P/E ratio of 31.00 and operates from Kolkata, India.

Overview:<BR>Richfield Financial Services Ltd operates as a Non Banking Financial Company (NBFC) within the micro cap market segment.<BR><BR>History:<BR>The company was initially incorporated as Richfield Portfolio Management Private Limited in 1992. It transitioned to a public limited company in 1994, changing its name to Richfield Portfolio Management Limited, and later to Richfield Financial Services Limited in 1995. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 5 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 0 Cr (Quarterly Results - Jun 2026)<BR>- Market Cap: INR 19 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 31.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 4.72<BR>- Return on Equity: 4.31%<BR>- Price to Book: 1.33<BR><BR>Contact Details:<BR>- Address: 33 Brabourne Road, 5th Floor Kolkata West Bengal : 700001<BR>- Tel: 91-33-2242-5812<BR>- Email: rfsl.nbfc@gmail.com<BR>- Website: http://www.rfsl.co.in

Who are the peers of the Richfield Fin?

Richfield Fin's peers include Bazel Internatio, Shricon Indus., Helpage Finlease, and others, with varying management risks and growth rates. Shricon Indus. leads in 1-year returns at 17.76%, while Maruti Global In has the lowest at -50.43%.

Peers: The peers of Richfield Fin are Bazel Internatio, Shricon Indus., Helpage Finlease, Kinetic Trust, Shree Metalloys, Moongipa Capital, Maruti Global In, TTI Enterprise, TCI Finance, Abirami Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bazel Internatio, Helpage Finlease, and Kinetic Trust, while Average management risk is found at Shricon Indus. and Moongipa Capital. Below Average management risk is noted at Shree Metalloys, TTI Enterprise, and the rest. Excellent growth is seen at Bazel Internatio, Helpage Finlease, and Richfield Fin, while Good growth is present at Shricon Indus. Average growth is noted at Kinetic Trust and Moongipa Capital, with Below Average growth at Shree Metalloys and TTI Enterprise. Excellent capital structure is attributed to Bazel Internatio, Shricon Indus., Helpage Finlease, Kinetic Trust, Moongipa Capital, and TTI Enterprise, while Good capital structure is found at Shree Metalloys, and the rest do not qualify.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Shricon Indus. at 17.76%, while the peer with the lowest is Maruti Global In at -50.43%. Richfield Fin's 1-year return is not available for comparison. Additionally, the six-month return is negative for Shree Metalloys, TTI Enterprise, and Abirami Fin.

How big is Richfield Fin?

As of 31st August, Richfield Financial Services Ltd has a market capitalization of 19.00 Cr, with recent Net Sales of 14.91 Cr and a Net Profit of 0.61 Cr. The latest balance sheet shows Shareholder's Funds of 5.97 Cr and Total Assets of 5.98 Cr.

As of 31st August, Richfield Financial Services Ltd has a market capitalization of 19.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 14.91 Cr and a Net Profit of 0.61 Cr.<BR><BR>The latest annual period for the balance sheet is March 2017, with Shareholder's Funds amounting to 5.97 Cr and Total Assets of 5.98 Cr.

Which are the latest news on Richfield Fin?

Should I buy, sell or hold Richfield Financial Services Ltd?

When is the next results date for Richfield Financial Services Ltd?

The next results date for Richfield Financial Services Ltd is 12 August 2026.

The next results date for Richfield Financial Services Ltd is scheduled for 12 August 2026.

Are Richfield Financial Services Ltd latest results good or bad?

Richfield Financial Services Ltd's latest results are concerning, showing a net loss of ₹0.16 crores in Q4 FY26 despite a 150% year-on-year revenue growth to ₹4.30 crores, primarily due to a 45.53% increase in interest costs and declining operating margins. The high debt-to-equity ratio further raises financial risk, indicating challenges to the sustainability of its business model.

Richfield Financial Services Ltd's latest results indicate significant challenges. In Q4 FY26, the company reported a net loss of ₹0.16 crores, a stark contrast to the profit of ₹0.09 crores in the previous quarter (Q3). This marks a concerning shift in profitability, especially given the impressive revenue growth of 150% year-on-year, which brought net sales to ₹4.30 crores.<BR><BR>However, this revenue growth was overshadowed by a substantial increase in interest costs, which surged by 45.53% quarter-on-quarter to ₹1.79 crores. This rise in financing costs has severely impacted the company's operating profit, leading to a profit before tax of ₹-0.18 crores. Additionally, the operating margin declined from 36.33% in Q3 to 29.30% in Q4, indicating deteriorating operational efficiency.<BR><BR>The company has also faced challenges related to its capital structure, with a high debt-to-equity ratio of 4.97, which amplifies financial risk, particularly in a rising interest rate environment. Overall, while Richfield Financial Services has demonstrated strong revenue growth, the combination of losses, rising costs, and declining margins suggests that the latest results are more negative than positive, raising concerns about the sustainability of its business model.

How has been the historical performance of Richfield Fin?

Richfield Fin showed positive financial growth from March 2016 to March 2017, with net sales increasing to 0.72 Cr, profit after tax rising to 0.23 Cr, and a significant improvement in earnings per share to 0.61. The company also achieved positive cash flow from operating activities of 1.97 Cr, indicating a strengthening financial position.

Answer:<BR>The historical performance of Richfield Fin shows a positive trend in key financial metrics from March 2016 to March 2017.<BR><BR>Breakdown:<BR>In the fiscal year ending March 2017, Richfield Fin reported net sales of 0.72 Cr, an increase from 0.55 Cr in the previous year. Total operating income also rose to 0.72 Cr from 0.55 Cr, while total expenditure increased to 0.70 Cr from 0.49 Cr. The operating profit (PBDIT) excluding other income improved to 0.02 Cr from 0.06 Cr, and with other income included, the operating profit reached 0.24 Cr, up from 0.06 Cr. Profit before tax saw a significant increase to 0.24 Cr from 0.05 Cr, leading to a profit after tax of 0.23 Cr compared to 0.04 Cr in the prior year. The earnings per share (EPS) rose to 0.61 from 0.1, and the profit after tax margin improved to 31.48% from 6.72%. On the balance sheet, total assets increased to 5.98 Cr from 5.78 Cr, while total liabilities rose slightly to 5.98 Cr from 5.78 Cr. The cash flow from operating activities turned positive at 1.97 Cr, compared to a negative cash flow of -0.03 Cr in the previous year, although cash flow from investing activities was negative at -2.07 Cr. Overall, Richfield Fin demonstrated growth in sales, profits, and cash flow, indicating a strengthening financial position.

Who are the top shareholders of the Richfield Fin?

The top shareholders of Richfield Fin are V C Georgekutty with 15.84%, Anilkumar with 6.97%, and individual investors who collectively own 35.88%. There are no institutional holdings or pledged promoter shares.

The top shareholders of Richfield Fin include V C Georgekutty, who holds the highest promoter stake at 15.84%. The highest public shareholder is Anilkumar, with a holding of 6.97%. Additionally, individual investors collectively own 35.88% of the company. There are no institutional holdings or pledged promoter shares reported.

Is Richfield Fin overvalued or undervalued?

As of October 3, 2024, Richfield Fin is considered very expensive and overvalued with a PE Ratio of 30.14, a Price to Book Value of 3.58, and an EV to EBIT of -51.13, especially when compared to peers like Life Insurance at 12.54 and Bajaj Finance at 35.01, alongside a recent stock decline of 6.33% against the Sensex's gain of 1.36%.

As of 3 October 2024, the valuation grade for Richfield Fin has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently considered overvalued. Key financial ratios reveal a PE Ratio of 30.14, a Price to Book Value of 3.58, and a troubling EV to EBIT of -51.13, which suggests that the company is not generating positive earnings relative to its enterprise value.<BR><BR>In comparison to its peers, Richfield Fin's valuation stands out unfavorably; for instance, Life Insurance has a PE Ratio of 12.54 and Bajaj Finance Ltd. is at 35.01, both indicating more attractive valuations. Additionally, the company's recent stock performance shows a decline of 6.33% over the past week, contrasting with the Sensex's gain of 1.36%, further emphasizing its overvaluation in the current market context.

What is the technical trend for Richfield Fin?

As of June 2, 2025, Richfield Fin's technical trend is mildly bearish, influenced by daily moving averages and a mixed outlook from MACD and Bollinger Bands across different timeframes.

As of 2 June 2025, the technical trend for Richfield Fin has changed from sideways to mildly bearish. The weekly MACD is bullish, but the monthly MACD is mildly bearish, indicating mixed signals. The daily moving averages are mildly bearish, supporting the overall bearish stance. The Bollinger Bands show a bearish signal on the weekly timeframe while being mildly bullish on the monthly, adding to the complexity of the trend. The KST is bearish weekly but bullish monthly, and Dow Theory indicates a mildly bullish weekly trend with no clear monthly direction. Overall, the current technical stance is mildly bearish, driven primarily by the daily moving averages and the monthly MACD.

What is the bonus history of the Richfield Fin?

Richfield Financial Services Ltd has announced a 1:1 bonus issue effective February 14, 2025, meaning shareholders will receive an additional share for each share held. The record and ex-date for this bonus is also February 14, 2025.

Richfield Financial Services Ltd has a recent bonus history that includes a 1:1 bonus issue, which is set to take effect on February 14, 2025. This means that for every share held, shareholders will receive an additional share. The record date and ex-date for this bonus are both the same, February 14, 2025. If you have any more questions about the company or its financial activities, feel free to ask!

Has Richfield Fin declared dividend?

Richfield Financial Services Ltd has declared an 8% dividend, amounting to $0.80 per share, with an ex-date of June 7, 2024. The company has shown strong total returns over various periods, particularly with significant price appreciation in the long term.

Richfield Financial Services Ltd has declared an 8% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 8%<BR>- Amount per share: 0.80<BR>- Ex-date: Jun-07-2024<BR><BR>Dividend Yield: 0.98%<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 36.19%, with a dividend return of 0%, resulting in a total return of 36.19%.<BR><BR>For the 1-year period, the price return was 5.35%, with a dividend return of 0%, leading to a total return of 5.35%.<BR><BR>Over the 2-year period, the price return was 778.47%, with a dividend return of 16.67%, culminating in a total return of 795.14%.<BR><BR>In the 3-year period, the price return was 867.27%, with a dividend return of 19.23%, resulting in a total return of 886.5%.<BR><BR>For the 4-year period, the price return was 1016.39%, with a dividend return of 22.22%, leading to a total return of 1038.61%.<BR><BR>Over the 5-year period, the price return was 986.22%, with a dividend return of 22.22%, culminating in a total return of 1008.44%.<BR><BR>Overall, Richfield Financial Services Ltd has declared a dividend, and the total returns over various periods indicate strong performance, particularly in the longer terms, highlighting significant price appreciation alongside the dividend returns.