Richfield Fin

  • Market Cap: Micro Cap
  • Industry: Non Banking Financial Company (NBFC)
  • ISIN: INE201C01012
  • NSEID:
  • BSEID: 539435
INR
31.44
-0.02 (-0.06%)
BSENSE

Feb 13

BSE+NSE Vol: 14

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationUpcoming Result: Richfield Fin will declare its result soon on 13 Feb 2026
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

14 (-74.07%) Volume

Shareholding (Dec 2025)

FII

0.00%

Held by 0 FIIs

DII

0.00%

Held by 0 DIIs

Promoter

47.52%

What is the bonus history of the Richfield Fin?

06-Jun-2025

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!

View full answer

Has Richfield Fin declared dividend?

06-Jun-2025

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.

View full answer

Who are the peers of the Richfield Fin?

03-Jun-2025

Richfield Fin's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Stanrose Mafat., Dynamic Portfol, Adinath Exim Res, and Visagar Finan. Management risk varies from excellent to below average among peers, with Richfield Fin showing below average risk and a 1-year return of 7.99%.

Peers: The peers of Richfield Fin are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Stanrose Mafat., Dynamic Portfol, Adinath Exim Res, and Visagar Finan.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, and Muthoot Finance, while Good management risk is found at Shriram Finance. Average management risk is present at Jio Financial, and Below Average management risk is noted at Richfield Fin, Stanrose Mafat., Dynamic Portfol, Adinath Exim Res, and Visagar Finan. Growth is Excellent at Jio Financial, Good at Bajaj Finance and Cholaman.Inv.&Fn, Average at Richfield Fin, Shriram Finance, and Muthoot Finance, and Below Average at Dynamic Portfol, Adinath Exim Res, and Visagar Finan. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Richfield Fin, Stanrose Mafat., Dynamic Portfol, Adinath Exim Res, and Visagar Finan, while Good is noted at Cholaman.Inv.&Fn.<BR><BR>Return Snapshot: Adinath Exim Res has the highest 1-year return at 178.05%, while Dynamic Portfol has the lowest at -58.29%. Richfield Fin's 1-year return of 7.99% is significantly lower than Adinath Exim Res but higher than Dynamic Portfol. Additionally, the six-month return is negative for Stanrose Mafat., Dynamic Portfol, and Visagar Finan.

View full answer

Is Richfield Fin overvalued or undervalued?

09-Jun-2025

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.

View full answer

What is the technical trend for Richfield Fin?

09-Jun-2025

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.

View full answer

Who are in the management team of Richfield Fin?

16-Jul-2025

As of March 2023, the management team of Richfield Fin includes Vadasseril Chacko Georgekutty (Managing Director), Midhun Ittoop (Non Executive Director), Neethu Subramoniyan (Independent Director), Varghese Mathew (Non Executive Director), and Indu Ravindran (Independent Director).

As of March 2023, 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>These members play various roles within the company's governance structure.

View full answer

What does Richfield Fin do?

17-Jul-2025

Richfield Financial Services Ltd is a Non Banking Financial Company (NBFC) focused on the micro-cap market, reporting net sales of 17 Cr and a net profit of 1 Cr for the quarter ending March 2025. The company has a market cap of INR 26 Cr and key metrics include a P/E ratio of 27.00 and a debt-equity ratio of 3.07.

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 incorporated in April 1992 and underwent a status change to a public limited company, receiving a fresh Certificate of Incorporation on December 19, 1994. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>- Net Sales: 17 Cr (Quarterly Results - Mar 2025)<BR>- Net Profit: 1 Cr (Quarterly Results - Mar 2025)<BR>- Market Cap: INR 26 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 27.00<BR>- Industry P/E: 23<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 3.07<BR>- Return on Equity: 1.66%<BR>- Price to Book: 3.09<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

View full answer

Who are the top shareholders of the Richfield Fin?

17-Jul-2025

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.

View full answer

How big is Richfield Fin?

24-Jul-2025

As of 24th July, Richfield Financial Services Ltd has a market capitalization of 30.00 Cr and reported net sales of 4.37 Cr and a net profit of 0.14 Cr over the latest four quarters.

As of 24th July, <BR><BR>Market Cap: Richfield Financial Services Ltd has a market capitalization of 30.00 Cr, classified as a Micro Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 4.37 Cr, while the sum of Net Profit for the same period is 0.14 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2017, with Shareholder's Funds amounting to 5.97 Cr and Total Assets at 5.98 Cr.

View full answer

Are Richfield Fin latest results good or bad?

14-Aug-2025

Richfield Financial Services' latest results are mixed; while standalone net profit grew by 80% and operating profit reached a five-quarter high, net sales growth has slowed significantly. Analysts have issued a 'Strong Sell' rating, indicating cautious sentiment about the company's financial outlook.

Richfield Financial Services' latest results present a mixed picture. While the overall financial performance for the quarter ending June 2025 was flat, there are some positive indicators worth noting. The company achieved its highest operating profit before depreciation, interest, and taxes (PBDIT) in the last five quarters, reaching Rs 0.90 crore, which suggests a potential stabilization in its financial performance.<BR><BR>Additionally, the standalone net profit showed significant growth of 80% compared to the previous year, indicating improved profitability. However, net sales growth has slowed down to 195.95% from a much higher 252.38% in the same quarter last year, which reflects a downward trend.<BR><BR>Despite these positive developments, the stock has received a 'Strong Sell' rating from MarketsMOJO, indicating a cautious sentiment among analysts regarding the company's current financial standing. Overall, while there are some encouraging signs, the mixed results and cautious market sentiment suggest that investors should approach with caution.

View full answer

How has been the historical performance of Richfield Fin?

18-Nov-2025

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.

View full answer

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

28-Jan-2026

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

10-Feb-2026

The next results date for Richfield Financial Services Ltd is 13 February 2026.

The next results date for Richfield Financial Services Ltd is scheduled for 13 February 2026.

View full answer

Why is Richfield Financial Services Ltd falling/rising?

13-Feb-2026

As of 12-Feb, Richfield Financial Services Ltd's stock price has risen to Rs 31.46, reflecting a 3.45% increase. Despite recent gains, the stock has a year-to-date decline of 13.38% and a significant drop in investor participation.

As of 12-Feb, Richfield Financial Services Ltd is experiencing a rise in its stock price, currently at Rs 31.46, reflecting an increase of Rs 1.05 or 3.45%. This upward movement is notable as the stock has outperformed its sector by 2.61% today and has achieved consecutive gains over the last two days, accumulating a total return of 6.75% during this period.<BR><BR>Despite opening with a loss of 4.97% today and touching an intraday low of Rs 28.89, the stock managed to reach a day's high of Rs 31.46. This indicates a recovery from the initial drop. Furthermore, the stock's performance over the past week shows a significant increase of 8.97%, contrasting with the Sensex's modest gain of only 0.43%.<BR><BR>However, it is important to note that the stock has been underperforming over longer periods, with a year-to-date decline of 13.38% and a one-year drop of 40.81%. Additionally, there has been a marked decrease in investor participation, with delivery volume falling by 99.08% against the five-day average, which may indicate a lack of sustained interest from investors.<BR><BR>In summary, while Richfield Financial Services Ltd is currently rising in price due to recent gains and a strong performance today, the overall trend shows significant volatility and challenges in maintaining investor engagement.

View full answer
iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 3.92%

 
2

Flat results in Sep 25

3

With ROE of 6.2, it has a Expensive valuation with a 2.7 Price to Book Value

4

Underperformed the market in the last 1 year

stock-summaryMojo Parameters

Mojo Parameters

Loading Valuation Snapshot...

Stock DNA

stock-summary
Industry

Non Banking Financial Company (NBFC)

stock-summary
Market cap

INR 24 Cr (Micro Cap)

stock-summary
P/E

43.00

stock-summary
Industry P/E

23

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

4.97

stock-summary
Return on Equity

6.21%

stock-summary
Price to Book

2.67

Revenue and Profits:
Net Sales:
3 Cr
(Quarterly Results - Sep 2025)
Net Profit:
0 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-27.37%
0%
-27.37%
6 Months
-8.82%
0%
-8.82%
1 Year
-41.99%
0%
-41.99%
2 Years
170.8%
5.51%
176.31%
3 Years
621.1%
18.35%
639.45%
4 Years
656.68%
19.23%
675.91%
5 Years
773.33%
22.22%
795.55%

Latest dividend: 0.8000000000000002 per share ex-dividend date: Jun-07-2024

Risk Adjusted Returns v/s stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryNews & Corporate Actions

Announcements stock-summary

Announcement under Regulation 30 (LODR)-Change in Directorate

09-Feb-2026 | Source : BSE

The Board of Directors via circular resolution had approved the appointment of Mr. Peeyus A Kottam as an Additional Director (Non-Independent) on the Board of the Company w.e.f. February 9 2026

EGM Dated December 3 2025

09-Feb-2026 | Source : BSE

Corrigendum to the EGM notice dated November 6 2025

Board Meeting Intimation for Prior Intimation For Board Meeting Scheduled On February 13 2026

09-Feb-2026 | Source : BSE

Richfield Financial Services Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 13/02/2026 inter alia to consider and approve Financial Results for the Quarterly and period year ended December 31 2025 and such other matters

Corporate Actions stock-summary

stock-summary
BOARD MEETING

(13 Feb 2026)

stock-summary
DIVIDEND

Richfield Financial Services Ltd has declared 8% dividend, ex-date: 07 Jun 24

stock-summary
SPLITS

No Splits history available

stock-summary
BONUS

Richfield Financial Services Ltd has announced 1:1 bonus issue, ex-date: 14 Feb 25

stock-summary
RIGHTS

No Rights history available

stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
51.34%
EBIT Growth (5y)
27.20%
Net Debt to Equity (avg)
4.97
Institutional Holding
0
ROE (avg)
3.92%

Valuation key factors

Factor
Value
P/E Ratio
43
Industry P/E
23
Price to Book Value
2.67
EV to EBIT
38.00
EV to EBITDA
34.52
EV to Capital Employed
1.30
EV to Sales
8.30
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
3.42%
ROE (Latest)
6.21%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Non Institution

Pledged Promoter Holdings

None

Mutual Funds

Held by 0 Schemes

FIIs

Held by 0 FIIs

Promoter with highest holding

V C Georgekutty (15.84%)

Highest Public shareholder

Anilkumar . (6.86%)

Individual Investors Holdings

35.96%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Sep'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Sep 2025 is 243.04% vs 97.50% in Sep 2024",
        "dir": 1
      },
      {
        "prefix": "Standalone Net Profit ",
        "suffix": "YoY Growth in quarter ended Sep 2025 is 1,233.33% vs -115.79% in Sep 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'25",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "2.71",
          "val2": "0.79",
          "chgp": "243.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1.25",
          "val2": "-0.17",
          "chgp": "835.29%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.95",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Standalone Net Profit",
          "val1": "0.34",
          "val2": "-0.03",
          "chgp": "1,233.33%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "46.13%",
          "val2": "-21.52%",
          "chgp": "67.65%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "alert": "No Half Yearly Results declared by Richfield Fin"
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "alert": "No Nine Monthly Results declared by Richfield Fin"
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "alert": "No Annual Results declared by Richfield Fin"
  }
]

Quarterly Results Snapshot (Standalone) - Sep'25 - YoYstock-summary

Sep'25
Sep'24
Change(%)
Net Sales
2.71
0.79
243.04%
Operating Profit (PBDIT) excl Other Income
1.25
-0.17
835.29%
Interest
0.95
0.00
Exceptional Items
0.00
0.00
Standalone Net Profit
0.34
-0.03
1,233.33%
Operating Profit Margin (Excl OI)
46.13%
-21.52%
67.65%
Values in Rs Cr.
Direction Arrows
Net Sales

YoY Growth in quarter ended Sep 2025 is 243.04% vs 97.50% in Sep 2024

Direction Arrows
Standalone Net Profit

YoY Growth in quarter ended Sep 2025 is 1,233.33% vs -115.79% in Sep 2024

stock-summaryCompany CV
About Richfield Financial Services Ltd stock-summary
stock-summary
Richfield Financial Services Ltd
Micro Cap
Non Banking Financial Company (NBFC)
Richfield Financial Services Ltd. (Formerly known as Richfield Portfolio Management Private Limited) was incorporated in April 1992 and upon the Conversion of the Company to Public Limited, the Company obtained fresh Certificate of Incorporation on 19th Dec.'94.
Company Coordinates stock-summary
Company Details
33 Brabourne Road, 5th Floor Kolkata West Bengal : 700001
stock-summary
Tel: 91-33-2242-5812
stock-summary
rfsl.nbfc@gmail.com
Registrar Details
Niche Technologies Pvt Ltd , D-511, Bagree Market 5th Floor, 71 B R B B Road , Kolkata