Colonel Francis Cecil Ricardo CVO CBE (3 July 1852–17 June 1924) was a British soldier.
Ricardo was born at Bramley Park at Guildford in Surrey, the son of Percy Ricardo and his wife, Matilda Mawdesley, the daughter of John Isaac Hensley of Holborn in Middlesex. He was the brother of both Colonel Horace Ricardo and of Amy Mary, Duchess of Richmond. He was educated at Eton College and followed his older brother, Horace, into the Grenadier Guards in 1872. He retired in 1909. In 1899 he became honorary secretary of the Naval and Military Tournament and held the post until 1910, when he resigned following a disagreement with the Army Council over some of the content.
During the First World War he served as Acting Chief Constable of Berkshire County Constabulary.
Ricardo was appointed Commander of the Royal Victorian Order (CVO) in 1902 and Commander of the Order of the British Empire (CBE) for his police work in the 1920 civilian war honours. He served as High Sheriff of Berkshire in 1894 and 1913.
He collapsed and died suddenly while walking with his niece in the garden of his house, Lullebrook Manor on Odney Island at Cookham in Berkshire.
Colonel Ricardo was a great philanthropist and set up a reading in room in the village of Cookham in 1911, by purchasing the old Wesleyan Chapel, when a new larger one was built. He named it the King's Hall after George V. On his death in 1924, he left a legacy of £814 2s 0d to pay for the maintenance of the Hall. In 1963, the hall was taken over by the Stanley Spencer Gallery.
Colonel Ricardo was said to have been Kenneth Grahame's inspiration for Toad of Toad Hall in Wind in the Willows, as he drove round the village in a yellow Rolls-Royce and would offer lifts to any residents he saw.