Ramchandra Leasing and Finance Ltd

₹ 3.75 4.46%

24 Apr - close price

About

Incorporated in 1998, Ramchandra Leasing and Finance Ltd is doing business as an NBFC

Key Points

Services Offered:^[1]^[2]
Company is a Non-Banking Financial co doing finance and trading in shares and securities, derivatives, etc. Company is presently classified as Loan Company as it extends unsecured loans to inter corporates and Individual. Company plans to diversify its asset class in money transfer services, foreign currency exchange, remittance services

Website BSE

Market Cap ₹ 19.2 Cr.
Current Price ₹ 3.75
High / Low ₹ 4.48 / 0.95
Stock P/E 1,919
Book Value ₹ 1.07
Dividend Yield 0.00 %
ROCE 0.34 %
ROE 0.36 %
Face Value ₹ 1.00

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Pros

Company has reduced debt.
Company is almost debt free.

Cons

Stock is trading at 3.50 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of -2.79% over past five years.
Promoter holding is low: 11.5%
Company has a low return on equity of 0.30% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
	0.04	0.44	0.01	0.06	0.02	0.38	0.03	0.01	0.06	0.36	0.11	0.07	0.16
	0.04	0.42	0.01	0.06	0.02	0.36	0.03	0.01	0.06	0.34	0.11	0.07	0.16
Operating Profit	0.00	0.02	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.02	0.00	0.00	0.00
OPM %	0.00%	4.55%	0.00%	0.00%	0.00%	5.26%	0.00%	0.00%	0.00%	5.56%	0.00%	0.00%	0.00%
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.00	0.02	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.02	0.00	0.00	0.00
Tax %		0.00%				0.00%				0.00%
	0.00	0.02	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.00
EPS in Rs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
	0.35	0.40	0.21	0.40	0.31	0.34	0.53	0.62	0.58	0.51	0.47	0.46	0.70
	0.23	0.38	0.17	0.35	0.24	0.30	0.45	0.59	0.55	0.49	0.45	0.44	0.68
Operating Profit	0.12	0.02	0.04	0.05	0.07	0.04	0.08	0.03	0.03	0.02	0.02	0.02	0.02
OPM %	34.29%	5.00%	19.05%	12.50%	22.58%	11.76%	15.09%	4.84%	5.17%	3.92%	4.26%	4.35%	2.86%
	0.02	0.02	0.01	0.00	0.02	0.02	0.02	0.01	0.00	0.00	0.00	0.00	0.00
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.02	0.02	0.00	0.00	0.00	0.00
Profit before tax	0.11	0.01	0.02	0.03	0.07	0.04	0.08	0.02	0.01	0.02	0.02	0.02	0.02
Tax %	27.27%	0.00%	50.00%	33.33%	28.57%	25.00%	25.00%	50.00%	0.00%	0.00%	0.00%	0.00%
	0.07	0.00	0.02	0.02	0.05	0.02	0.06	0.02	0.01	0.02	0.01	0.02	0.01
EPS in Rs	0.01	0.00	0.00	0.00	0.01	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Payout %	0.00%		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	1%
5 Years:	-3%
3 Years:	-7%
TTM:	46%

Compounded Profit Growth
10 Years:	%
5 Years:	-20%
3 Years:	26%
TTM:	100%

Stock Price CAGR
10 Years:	-14%
5 Years:	82%
3 Years:	15%
1 Year:	287%

Return on Equity
10 Years:	0%
5 Years:	0%
3 Years:	0%
Last Year:	0%

Balance Sheet

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12	5.12
Reserves	0.12	0.12	0.13	0.16	0.20	0.23	0.29	0.31	0.33	0.37	0.39	0.40	0.36
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.15	0.34	0.31	0.00
	0.08	0.07	0.08	0.08	0.11	0.06	0.72	1.50	1.66	1.42	1.36	1.23	0.79
Total Liabilities	5.32	5.31	5.33	5.36	5.43	5.41	6.13	6.93	7.11	7.06	7.21	7.06	6.27
	0.44	0.41	0.39	0.36	0.34	0.32	0.30	0.29	0.01	0.01	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.72	0.69	0.25	0.15	0.15	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	4.16	4.21	4.69	4.85	4.94	5.09	5.83	6.64	7.10	7.05	7.21	7.06	6.27
Total Assets	5.32	5.31	5.33	5.36	5.43	5.41	6.13	6.93	7.11	7.06	7.21	7.06	6.27

Cash Flows

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	-0.31	-0.45	-0.71	-0.35	-0.46	-1.09	-0.47	-0.32	-0.08	0.11	-0.03	1.05
	0.32	0.43	0.66	0.50	0.31	1.19	0.52	0.05	-0.19	0.04	-0.07	-0.98
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.05	0.31	-0.18	0.19	-0.03
Net Cash Flow	0.01	-0.02	-0.05	0.15	-0.15	0.10	0.05	-0.22	0.04	-0.03	0.09	0.04

Ratios

Figures in Rs. Crores

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Working Capital Days	469.29	547.50	834.29	1,980.12	2,625.65	3,242.06	-447.64	-141.29	-270.60	-121.67	-100.96	-920.43
ROCE %	2.11%	0.19%	0.38%	0.57%	1.32%	0.75%	1.49%	0.37%	0.18%	0.36%	0.35%	0.34%

Shareholding Pattern

Numbers in percentages

2 Recently

	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%	88.50%	88.49%	88.50%	88.50%	88.49%	88.49%
No. of Shareholders	10,562	11,149	11,967	12,075	12,146	12,487	12,778	14,406	14,905	15,635	15,738	15,998

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%	11.50%
	0.00%	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	88.50%	88.50%	88.50%	88.49%	88.49%	88.49%	88.49%	88.49%	88.49%
No. of Shareholders	768	929	915	946	2,230	4,865	12,075	14,406	15,998

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Ramchandra Leasing and Finance Ltd

Ramchandra Leasing and Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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