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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 4.9% | 0.2% | -3.5% | -3.1% | 1.1% | -2.4% | -4.9% | -8.7% | -15.9% | 0.6% | - |
| Value Creation Index ⓘ | -0.7 | -1.0 | -1.3 | -1.2 | -0.9 | -1.2 | -1.4 | -1.6 | -2.1 | -1.0 | - |
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ | |||||||||||
| Sales ⓘ | 2.7 | 1.3 | 0.3 | 1.2 | 1 | 0.5 | 0.4 | 0 | 0 | 1.9 | 0 |
| Sales YoY Gr. | - | -53.1% | -77.3% | 296.6% | -16.5% | -52.1% | -21.7% | -100% | NA | NA | - |
| Adj EPS ⓘ | 0.3 | -1 | -0.2 | -0.5 | 0 | -0.6 | -0.6 | -0.9 | -1.1 | 0.1 | -2.7 |
| YoY Gr. | - | -439.3% | NA | NA | NA | -2900% | NA | NA | NA | NA | - |
| BVPS (₹) ⓘ | 8.2 | 7.3 | 7.1 | 6.6 | 6.4 | 5.9 | 5.2 | 4.3 | 21.8 | 21.8 | 21.7 |
| Adj Net Profit ⓘ | 0.3 | -1 | -0.2 | -0.5 | 0 | -0.6 | -0.6 | -0.9 | -1.1 | 0.1 | -3 |
| Cash Flow from Ops. ⓘ | 0.3 | 3 | 0.6 | -2.1 | -0.3 | 1.8 | -0.5 | 0.1 | 0.2 | 0.2 | - |
| Debt/CF from Ops. ⓘ | 33.4 | 3 | 13 | -4.1 | -34.4 | 3 | -8.4 | 42.8 | 17.6 | 14.8 | - |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | -4.2% | 14.1% | 72.9% | NA | ||||
| Adj EPS ⓘ | -15.7% | 24.6% | NA | NA | ||||
| BVPSⓘ | 11.4% | 27.6% | 61.1% | 0.2% | ||||
| Share Price | 13.5% | 33.6% | 25.1% | 25% | ||||
Performance Ratio Colour Code Guide ⓘ
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 1 | -3.4 | -0.8 | -1.8 | 0.1 | -2.1 | -2.5 | -3.6 | -4.1 | 0.2 | -12.2 |
| Op. Profit Mgn % ⓘ | 44.3 | 21.1 | 40.9 | 3.1 | 43 | -23.9 | -37.4 | 0 | 0 | -14.1 | -14.8 |
| Net Profit Mgn % ⓘ | 10.3 | -73.9 | -71.6 | -42.6 | 1.8 | -120.4 | -176.4 | 0 | 0 | 3.2 | -681.4 |
| Debt to Equity ⓘ | 1.4 | 1.2 | 1.2 | 1.4 | 1.6 | 1 | 0.8 | 0.9 | 0.2 | 0.2 | 0.1 |
| Working Cap Days ⓘ | 594 | 1,106 | 3,035 | 1,114 | 1,971 | 3,592 | 3,536 | 0 | 0 | 647 | 480 |
| Cash Conv. Cycle ⓘ | 472 | 857 | 2,645 | 692 | 989 | 1,637 | 1,215 | 0 | 0 | 392 | 170 |
Sales growth is growing at healthy rate in last 3 years 72.88%
Return on Equity is Poor
Net Profit has been subdued in last 3 years 0.00%
Sales growth is not so good in last 4 quarters at -23.07%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | -2.7 | 0.7 |
| TTM Sales (₹ Cr.) | 0.4 | 1 |
| BVPS (₹.) ⓘ | 21.7 | 0 |
| Reserves (₹ Cr.) ⓘ | 12 | -2 |
| P/BV ⓘ | 0.46 | 0.00 |
| PE ⓘ | 0.00 | 14.99 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 7.07 / 15.30 |
| All Time Low / High (₹) | 0.10 / 15.30 |
| Market Cap (₹ Cr.) | 10 |
| Equity (₹ Cr.) | 10 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 26.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.73 | 1.28 | 0.29 | 1.15 | 0.96 | 0.46 | 0.36 | 0 | 0 | 1.86 |
| Operating Expenses ⓘ | 1.52 | 1.01 | 0.17 | 1.11 | 0.54 | 0.57 | 0.50 | 0.65 | 1.10 | 2.13 |
| Manufacturing Costs | 0.35 | 0.13 | 0 | 0.05 | 0.02 | 0.18 | 0.12 | 0.34 | 0.38 | 0.21 |
| Material Costs | 0.50 | 0.30 | 0.01 | 0.66 | 0.33 | -0.08 | 0.06 | 0 | 0 | 1.32 |
| Employee Cost | 0.42 | 0.37 | 0.09 | 0.23 | 0.08 | 0.11 | 0.19 | 0.13 | 0.13 | 0.19 |
| Other Costs ⓘ | 0.26 | 0.20 | 0.08 | 0.18 | 0.11 | 0.36 | 0.13 | 0.18 | 0.59 | 0.41 |
| Operating Profit ⓘ | 1.21 | 0.27 | 0.12 | 0.04 | 0.41 | -0.11 | -0.14 | -0.65 | -1.10 | -0.26 |
| Operating Profit Margin (%) | 44.3% | 21.1% | 40.9% | 3.1% | 43.0% | -23.9% | -37.4% | - | - | -14.1% |
| Other Income ⓘ | 0.23 | 0.29 | 0.04 | 0.19 | 0.05 | 0.09 | 0 | 0.70 | 0.97 | 0.50 |
| Interest ⓘ | 0.82 | 0.94 | 0 | 0.21 | 0.12 | 0.22 | 0.15 | 0.13 | 0.13 | 0.11 |
| Depreciation ⓘ | 0.49 | 0.52 | 0.69 | 0.70 | 0.30 | 0.31 | 0.36 | 0.80 | 0.08 | 0.07 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.44 | -0.02 |
| Profit Before Tax ⓘ | 0.13 | -0.90 | -0.54 | -0.68 | 0.04 | -0.55 | -0.64 | -0.88 | -2.78 | 0.04 |
| Tax ⓘ | -0.15 | 0.05 | -0.33 | -0.19 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0.28 | -0.94 | -0.21 | -0.49 | 0.04 | -0.55 | -0.64 | -0.88 | -2.78 | 0.04 |
| PAT Margin (%) | 10.3% | -73.9% | -71.6% | -42.6% | 4.7% | -120.0% | -176.0% | - | - | 2.4% |
| Adjusted EPS (₹) | 0.3 | -1.0 | -0.2 | -0.5 | 0.1 | -0.6 | -0.7 | -0.9 | -2.8 | 0.1 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Shareholders Fund | 27.96 | 27.02 | 26.81 | 26.32 | 26.20 | 25.64 | 25 | 24.13 | 27.79 | 27.84 |
| Share Capital ⓘ | 9.80 | 9.80 | 9.80 | 9.80 | 9.80 | 9.80 | 9.80 | 9.80 | 9.80 | 9.80 |
| Reserves ⓘ | 18.16 | 17.22 | 17.01 | 16.52 | 16.40 | 15.84 | 15.20 | 14.32 | 17.99 | 18.03 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt | 11.22 | 8.76 | 7.95 | 8.75 | 9.83 | 5.51 | 3.87 | 3.97 | 3.92 | 3.53 |
| Long Term Debt | 8.09 | 4.11 | 6.56 | 7.37 | 8.89 | 4.50 | 2.83 | 3.05 | 2.85 | 2.42 |
| Short Term Debt | 3.13 | 4.65 | 1.39 | 1.38 | 0.94 | 1.01 | 1.04 | 0.93 | 1.07 | 1.12 |
| Trade Payables | 0.03 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.30 |
| Others Liabilities ⓘ | 1.67 | 1.65 | 1.41 | 1.40 | 1.45 | 1.26 | 1 | 1 | 0.88 | 1.15 |
| Total Liabilities ⓘ | 40.88 | 37.43 | 36.17 | 36.46 | 37.48 | 32.42 | 29.87 | 29.10 | 32.59 | 32.82 |
Fixed Assets | ||||||||||
| Gross Block | 37.08 | 37.79 | 37.81 | 37.84 | 37.84 | 37.96 | 35.68 | 35.68 | 42.16 | 42.22 |
| Accumulated Depreciation | 12.25 | 12.77 | 13.47 | 14.16 | 14.62 | 14.93 | 15.29 | 16.08 | 16.16 | 16.23 |
| Net Fixed Assetsⓘ | 24.83 | 25.02 | 24.34 | 23.67 | 23.22 | 23.03 | 20.39 | 19.59 | 26 | 25.99 |
| CWIP ⓘ | 0 | 0 | 1.19 | 1.80 | 2.63 | 3.18 | 3.18 | 3.23 | 3.23 | 3.23 |
| Investmentsⓘ | 10.85 | 9.70 | 8.18 | 6.14 | 5.87 | 2.69 | 2.69 | 2.69 | 0.25 | 0 |
| Inventories | 0.96 | 0.80 | 0.80 | 0.80 | 0.71 | 0.84 | 0.87 | 0.87 | 0.87 | 1.20 |
| Trade Receivables | 2.94 | 1.33 | 1.30 | 1.46 | 2.21 | 0.37 | 0.35 | 0.47 | 0.53 | 1.70 |
| Cash Equivalents | 0.06 | 0.10 | 0.21 | 0.08 | 0.21 | 0.01 | 0.05 | 0.07 | 0.08 | 0.02 |
| Others Assetsⓘ | 1.24 | 0.48 | 0.15 | 2.51 | 2.64 | 2.30 | 2.34 | 2.18 | 1.63 | 0.68 |
| Total Assets ⓘ | 40.88 | 37.43 | 36.17 | 36.46 | 37.48 | 32.42 | 29.87 | 29.10 | 32.59 | 32.82 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 0.34 | 2.96 | 0.61 | -2.13 | -0.29 | 1.84 | -0.46 | 0.09 | 0.22 | 0.24 |
| PBT ⓘ | 0.13 | -0.90 | -0.54 | -0.68 | 0.04 | -0.55 | -0.64 | -0.88 | -2.78 | 0.04 |
| Adjustment ⓘ | 1.30 | 1.43 | 0.69 | 0.89 | 0.41 | 0.53 | 0.50 | 0.92 | 2.64 | 0.17 |
| Changes in Working Capital ⓘ | -1 | 2.35 | 0.4 | -2.34 | -0.75 | 1.86 | -0.31 | 0.08 | 0.42 | -0.05 |
| Tax Paid ⓘ | -0.09 | 0.08 | 0.06 | -0.01 | 0.01 | 0 | -0.01 | -0.03 | -0.05 | 0.07 |
| Cash Flow From Investing Activity ⓘ | -0.85 | 0.45 | 0.31 | 1.41 | -0.55 | 2.50 | -0.23 | -0.05 | -0.04 | -0.05 |
| Capex | -0.86 | -0.71 | -1.21 | -0.64 | -0.83 | -0.68 | -0.23 | -0.05 | -0.04 | -0.05 |
| Net Investments | 0 | 1.15 | 1.52 | 2.04 | 0.27 | 3.18 | 0 | 0 | 0 | 0 |
| Others ⓘ | 0.01 | 0.01 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 |
| Cash Flow From Financing Activityⓘ | 0.29 | -3.38 | -0.81 | 0.59 | 0.96 | -4.54 | 0.72 | -0.02 | -0.17 | -0.25 |
| Net Proceeds from Shares ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Proceeds from Borrowing ⓘ | 1.34 | -3.98 | 2.45 | 0.81 | 1.52 | -4.38 | -1.68 | -0.12 | -0.20 | -0.43 |
| Interest Paid ⓘ | -0.82 | -0.92 | 0 | -0.20 | -0.11 | -0.22 | -0.15 | -0.13 | -0.12 | -0.10 |
| Dividend Paid ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Others ⓘ | -0.24 | 1.53 | -3.26 | -0.01 | -0.44 | 0.07 | 2.55 | 0.22 | 0.15 | 0.29 |
| Net Cash Flow ⓘ | -0.23 | 0.04 | 0.11 | -0.13 | 0.13 | -0.20 | 0.04 | 0.02 | 0.01 | -0.06 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 3.3 | -12.43 | -2.97 | -7.33 | 0.7 | -9.18 | -11.82 | -18.73 | -21.73 | 0.21 |
| ROCE (%) | 4.9 | 0.23 | -3.49 | -3.14 | 1.06 | -2.41 | -4.87 | -8.65 | -15.86 | 0.6 |
| Asset Turnover Ratio | 0.07 | 0.03 | 0.01 | 0.03 | 0.03 | 0.01 | 0.01 | 0 | 0 | 0.06 |
| PAT to CFO Conversion(x) | 1.21 | N/A | N/A | N/A | -7.25 | N/A | N/A | N/A | N/A | 6 | Working Capital Days |
| Receivable Days | 356 | 610 | 1,647 | 438 | 701 | 1,023 | 362 | 0 | 0 | 219 |
| Inventory Days | 124 | 251 | 998 | 253 | 288 | 614 | 853 | 0 | 0 | 202 |
| Payable Days | 28 | 18 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 84 |
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.
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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