Real Touch Finance Intrinsic Value
RTFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹55.20 | ₹44.16 - ₹66.24 | +18.6% | EPS: ₹4.60, Sector P/E: 12x |
| Book Value Method | asset | ₹28.92 | ₹26.03 - ₹31.81 | -37.9% | Book Value/Share: ₹36.15, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹26.92 | ₹24.23 - ₹29.61 | -42.2% | Revenue/Share: ₹26.92, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹71.12 | ₹64.01 - ₹78.23 | +52.7% | EBITDA: ₹23.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹73.60 | ₹66.24 - ₹80.96 | +58.1% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹39.56 | ₹35.60 - ₹43.52 | -15.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹55.38 | ₹49.84 - ₹60.92 | +18.9% | ROE: 12.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹61.17 | ₹55.05 - ₹67.29 | +31.4% | EPS: ₹4.60, BVPS: ₹36.15 |
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Valuation Comparison Chart
RTFL Intrinsic Value Analysis
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 ₹55.38 (median value). With the current market price of ₹46.56, this represents a +18.9% variance from our estimated fair value.
The valuation range spans from ₹26.92 to ₹73.60, indicating ₹26.92 - ₹73.60.
Is RTFL undervalued or overvalued?
Based on our multi-method analysis, Real Touch Finance (RTFL) appears to be trading below median value by approximately 18.9%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.89 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 12.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 63.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Real Touch Finance
Additional stock information and data for RTFL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-5 Cr | ₹-5 Cr | Negative Cash Flow | 3/10 |