Richfield Financial Services Ltd Stock Price Today (NSE: RFSL)
Fundamental Score
Richfield Financial Services Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Richfield Financial Services Ltd share price today is ₹29.84, up +0.00% on NSE/BSE as of 20 February 2026. Richfield Financial Services Ltd (RFSL) is a Small-cap company in the Other Financial Services sector with a market capitalisation of ₹30.66 (Cr). The 52-week high for RFSL share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 55.74x, RFSL is currently trading above its industry average P/E of 30.94x. The company has a Return on Equity (ROE) of 1.53% and a debt-to-equity ratio of 4.97.
Richfield Financial Services Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Richfield Financial Services Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Richfield Financial Services Share Price: A Financial Analysis
A key differentiating factor in the Other Financial Services sector lies in the bespoke solutions offered to niche client segments, allowing companies to command premium pricing. This analysis examines the ₹29.989999771118164 Richfield Financial Services share price, considering its valuation and profitability metrics. The current Price-to-Earnings (PE) ratio of 55.74 suggests that the market has high expectations for future earnings growth. However, it's important to evaluate whether the company's fundamentals support such a valuation.
One crucial aspect of assessing a financial services firm is management quality. While this requires a more in-depth qualitative assessment, we can observe quantitative differences. For example, comparing Richfield Financial Services Ltd with peers like
Sumedha Fiscal Services Ltd, an analysis of historical Return on Equity (ROE) and capital allocation decisions at Sumedha Fiscal Services Ltd can provide valuable insights into management effectiveness that can then be compared. Assessing management's ability to navigate regulatory changes and adapt to evolving client needs is also paramount.Richfield Financial Services Ltd's Return on Capital Employed (ROCE) of 6.66% is a critical indicator. ROCE measures how efficiently a company generates profits from its capital. A lower ROCE, compared to its cost of capital, may indicate a narrower economic moat, making the company more susceptible to competitive pressures. A stronger moat, typically arising from factors like brand reputation, switching costs, or network effects, allows a company to sustain higher profitability and achieve industry dominance.
This analysis is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra. It is an observational assessment of publicly available data and should not be interpreted as investment advice. Potential investors should conduct their own independent research and due diligence before making any investment decisions.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Richfield Financial Services Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of RFSL across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (30.49%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (1233.33%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (243.04%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (64.60% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (19.61% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (19.61% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (1.53%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (6.66%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 55.74x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Elevated Debt Levels (D/E: 4.97)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.38x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-26.04 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Richfield Financial Services Ltd Financial Statements
Comprehensive financial data for Richfield Financial Services Ltd including income statement, balance sheet and cash flow
About RFSL (Richfield Financial Services Ltd)
Richfield Financial Services Ltd (RFSL) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Financial Services sector with a current market capitalisation of ₹30.66 (Cr). Richfield Financial Services Ltd has delivered a Return on Equity (ROE) of 1.53% and a ROCE of 6.66%. The debt-to-equity ratio stands at 4.97, reflecting the company's capital structure. Investors tracking RFSL share price can monitor key metrics including P/E ratio, promoter holding of 47.52%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
RFSL Share Price: Frequently Asked Questions
What is the current share price of Richfield Financial Services Ltd (RFSL)?
As of 20 Feb 2026, 06:21 am IST, Richfield Financial Services Ltd share price is ₹29.84. The RFSL stock has a market capitalisation of ₹30.66 (Cr) on NSE/BSE.
Is RFSL share price Overvalued or Undervalued?
RFSL share price is currently trading at a P/E ratio of 55.74x, compared to the industry average of 30.94x. Based on this relative valuation, the Richfield Financial Services Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of RFSL share price?
The 52-week high of RFSL share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Richfield Financial Services Ltd share price?
Key factors influencing RFSL share price include quarterly earnings growth (Sales Growth: 243.04%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Richfield Financial Services Ltd a good stock for long-term investment?
Richfield Financial Services Ltd shows a 5-year Profit Growth of 19.61% and an ROE of 1.53%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.97 before investing in RFSL shares.
How does Richfield Financial Services Ltd compare with its industry peers?
Richfield Financial Services Ltd competes with major peers in the Other Financial Services. Investors should compare RFSL share price P/E of 55.74x and ROE of 1.53% against the industry averages to determine competitive standing.
What is the P/E ratio of RFSL and what does it mean?
RFSL share price has a P/E ratio of 55.74x compared to the industry average of 30.94x. Investors pay ₹56 for every ₹1 of annual earnings.
How is RFSL performing according to Bull Run's analysis?
RFSL has a Bull Run fundamental score of 54/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does RFSL belong to?
RFSL operates in the Other Financial Services industry. This classification helps understand the competitive landscape and sector-specific trends affecting Richfield Financial Services Ltd share price.
What is Return on Equity (ROE) and why is it important for RFSL?
RFSL has an ROE of 1.53%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Richfield Financial Services Ltd generates profits from shareholders capital.
How is RFSL debt-to-equity ratio and what does it indicate?
RFSL has a debt-to-equity ratio of 4.97, which indicates high leverage that increases financial risk.
What is RFSL dividend yield and is it a good dividend stock?
RFSL offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Richfield Financial Services Ltd shares.
How has RFSL share price grown over the past 5 years?
RFSL has achieved 5-year growth rates of: Sales Growth 64.60%, Profit Growth 19.61%, and EPS Growth 19.61%.
What is the promoter holding in RFSL and why does it matter?
Promoters hold 47.52% of RFSL shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Richfield Financial Services Ltd.
What is RFSL market capitalisation category?
RFSL has a market capitalisation of ₹31 crores, placing it in the Small-cap category.
How volatile is RFSL stock?
RFSL has a beta of N/A. A beta > 1 suggests the Richfield Financial Services Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is RFSL operating profit margin trend?
RFSL has a 5-year average Operating Profit Margin (OPM) of 30.49%, indicating the company's operational efficiency.
How is RFSL quarterly performance?
Recent quarterly performance shows Richfield Financial Services Ltd YoY Sales Growth of 243.04% and YoY Profit Growth of 1233.33%.
What is the institutional holding pattern in RFSL?
RFSL has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the Richfield Financial Services Ltd stock.