Ramchandra Leasing & Finance Intrinsic Value
Ramchandra Leasing & Finance (RLFL) median intrinsic value is ₹10.39 from 8 valuation models (range ₹6–₹39), vs current price ₹19.74 — -47.4% downside (Trading Above Calculated Value), margin of safety -90.0%. Analyse RLFL FII DII holdings to track promoter, FII and institutional holdings.
RLFL Valuation Methods Summary — DCF, Graham Number & P/E
Ramchandra Leasing & Finance intrinsic value across 8 models vs current price ₹19.74 — upside/downside and value range per method. Read RLFL dividend yield for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹5.92 | ₹4.74 - ₹7.10 | -70.0% | EPS: ₹0.40, Sector P/E: 12x |
| Book Value Method | asset | ₹9.60 | ₹8.64 - ₹10.56 | -51.4% | Book Value/Share: ₹12.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹24.00 | ₹21.60 - ₹26.40 | +21.6% | Revenue/Share: ₹24.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹39.48 | ₹35.53 - ₹43.43 | +100.0% | EBITDA: ₹4.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹5.92 | ₹5.33 - ₹6.51 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹5.92 | ₹5.33 - ₹6.51 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹39.48 | ₹35.53 - ₹43.43 | +100.0% | ROE: 50.0%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹10.39 | ₹9.35 - ₹11.43 | -47.4% | EPS: ₹0.40, BVPS: ₹12.00 |
RLFL Intrinsic Value vs Market Price — All Valuation Models
Ramchandra Leasing & Finance fair value range ₹6–₹39 vs current market price ₹19.74 across 8 valuation models. For current market price and key ratios, visit RLFL share price.
RLFL Intrinsic Value Analysis — Undervalued or Overvalued?
Ramchandra Leasing & Finance median intrinsic value ₹10.39, current price ₹19.74 — Trading Above Calculated Value by 47.4%, margin of safety -90.0%.
What is the intrinsic value of RLFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Ramchandra Leasing & Finance (RLFL) is ₹10.39 (median value). With the current market price of ₹19.74, this represents a -47.4% variance from our estimated fair value.
The valuation range spans from ₹5.92 to ₹39.48, indicating ₹5.92 - ₹39.48.
Is RLFL undervalued or overvalued?
Based on our multi-method analysis, Ramchandra Leasing & Finance (RLFL) appears to be trading above calculated value by approximately 47.4%.
RLFL Financial Health — Key Ratios vs Industry Benchmarks
Ramchandra Leasing & 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 |
|---|---|---|---|---|
| Return on Equity | 50.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 36.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 2.00x | Industry Standard: 1.0x+ | Above 1.0x | Measures asset utilization efficiency |
RLFL Cash Flow Quality — Operating & Free Cash Flow
Ramchandra Leasing & 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 2025 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1 Cr | ₹1 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |