Real Touch Finance Intrinsic Value
Real Touch Finance intrinsic value. Real Touch Finance (RTFL) median intrinsic value is ₹46.80 from 8 valuation models (range ₹32–₹74), vs current price ₹36.75 — +27.3% upside (Trading Below Calculated Value), margin of safety 21.5%. Read Real Touch Finance dividend payments for the complete payout history and dividend yield track record.
RTFL Valuation Methods Summary — DCF, Graham Number & P/E
Real Touch Finance intrinsic value across 8 models vs current price ₹36.75 — upside/downside and value range per method. For current market price and key ratios, visit Real Touch Finance screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹46.80 | ₹37.44 - ₹56.16 | +27.3% | EPS: ₹3.90, Sector P/E: 12x |
| Book Value Method | asset | ₹32.00 | ₹28.80 - ₹35.20 | -12.9% | Book Value/Share: ₹40.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹31.54 | ₹28.39 - ₹34.69 | -14.2% | Revenue/Share: ₹31.54, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹73.50 | ₹66.15 - ₹80.85 | +100.0% | EBITDA: ₹29.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹53.98 | ₹48.58 - ₹59.38 | +46.9% | EPS Growth: 17.3%, Fair P/E: 13.8x |
| Growth Adjusted P/E | growth | ₹33.54 | ₹30.19 - ₹36.89 | -8.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹38.46 | ₹34.61 - ₹42.31 | +4.7% | ROE: 9.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹59.25 | ₹53.33 - ₹65.18 | +61.2% | EPS: ₹3.90, BVPS: ₹40.00 |
RTFL Intrinsic Value vs Market Price — All Valuation Models
Real Touch Finance fair value range ₹32–₹74 vs current market price ₹36.75 across 8 valuation models. Compare with RTFL fundamental valuation to assess whether the stock is under or overvalued.
RTFL Intrinsic Value Analysis — Undervalued or Overvalued?
Real Touch Finance median intrinsic value ₹46.80, current price ₹36.75 — Trading Below Calculated Value by 27.3%, margin of safety 21.5%.
What is the intrinsic value of RTFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Real Touch Finance (RTFL) is ₹46.80 (median value). With the current market price of ₹36.75, this represents a +27.3% variance from our estimated fair value.
The valuation range spans from ₹31.54 to ₹73.50, indicating ₹31.54 - ₹73.50.
Is RTFL undervalued or overvalued?
Based on our multi-method analysis, Real Touch Finance (RTFL) appears to be trading below calculated value by approximately 27.3%.
RTFL Financial Health — Key Ratios vs Industry Benchmarks
Real Touch Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.01 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 64.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
RTFL Cash Flow Quality — Operating & Free Cash Flow
Real Touch Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹33 Cr | ₹-31 Cr | Positive Operating Cash Flow | 6/10 |
| March 2025 | ₹-26 Cr | ₹-26 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-50 Cr | ₹-50 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-87 Cr | ₹-88 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |