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Richfield Financial Services Ltd, an NBFC, reported audited FY25 results with total revenue from operations rising sharply to ₹437.33 lakhs from ₹183.09 lakhs in FY24 (~139% growth), driven by higher interest income. However, total expenses surged to ₹489.58 lakhs from ₹113.36 lakhs (~332% jump), causing profit after tax to fall ~80% to ₹12.54 lakhs from ₹64.78 lakhs. The balance sheet nearly tripled to ₹3,510 lakhs, with loans growing to ₹2,835 lakhs and subordinated debt ballooning from ₹51.50 lakhs to ₹2,135.53 lakhs. The board approved issuing fresh subordinated debts for FY26, appointed new secretarial and internal auditors, and initiated shifting the registered office from West Bengal to Tamil Nadu. The auditor issued an unmodified (clean) opinion on the financials.
Despite strong top-line growth, sharp expense inflation and a 40x increase in subordinated debt raise leverage and margin concerns. Negative operating cash flow of ₹2,102 lakhs (heavily funded by new debt) and an 80% drop in profits are red flags, though the clean audit opinion and bonus issue signal confidence in long-term growth.