Richfield Financial Services L
Richfield Financial Services L Fundamental Analysis
Richfield Financial Services L (RFSL.BO) shows weak financial fundamentals with a PE ratio of 41.91, profit margin of 6.88%, and ROE of 6.27%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 33.3/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze RFSL.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakRFSL.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateRFSL.BO shows balanced valuation metrics.
Growth Score
ModerateRFSL.BO shows steady but slowing expansion.
Financial Health Score
ModerateRFSL.BO shows balanced financial health with some risks.
Profitability Score
WeakRFSL.BO struggles to sustain strong margins.
Key Financial Metrics
Is RFSL.BO Expensive or Cheap?
P/E Ratio
RFSL.BO trades at 41.91 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, RFSL.BO's PEG of 0.21 indicates potential undervaluation.
Price to Book
The market values Richfield Financial Services L at 2.52 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 54.46 times EBITDA. This signals the market has high growth expectations.
How Well Does RFSL.BO Make Money?
Net Profit Margin
For every $100 in sales, Richfield Financial Services L keeps $6.88 as profit after all expenses.
Operating Margin
Core operations generate 0.52 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $6.27 in profit for every $100 of shareholder equity.
ROA
Richfield Financial Services L generates $0.98 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Richfield Financial Services L generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Richfield Financial Services L generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
RFSL.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
41.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.21
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.52
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.90
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.48
vs 25 benchmark
Current Ratio
Current assets to current liabilities
75.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.06
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.001
vs 25 benchmark
How RFSL.BO Stacks Against Its Sector Peers
| Metric | RFSL.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 41.91 | 19.09 | Worse (Expensive) |
| ROE | 6.27% | 843.00% | Weak |
| Net Margin | 6.88% | 3730.00% | Weak |
| Debt/Equity | 1.48 | 0.90 | Weak (High Leverage) |
| Current Ratio | 75.06 | 661.68 | Strong Liquidity |
| ROA | 0.98% | -21651.00% (disorted) | Weak |
RFSL.BO outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Richfield Financial Services L's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical