Real Touch Finance Intrinsic Value
Real Touch Finance (RTFL) median intrinsic value is ₹46.80 from 8 valuation models (range ₹28–₹92), vs current price ₹46.40 — +0.9% upside (Trading Near Calculated Value), margin of safety 0.9%. Also explore Real Touch Finance share price performance to track price trends across different timeframes.
RTFL Valuation Methods Summary — DCF, Graham Number & P/E
Real Touch Finance intrinsic value across 8 models vs current price ₹46.40 — 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 | +0.9% | EPS: ₹3.90, Sector P/E: 12x |
| Book Value Method | asset | ₹28.92 | ₹26.03 - ₹31.81 | -37.7% | Book Value/Share: ₹36.15, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹27.69 | ₹24.92 - ₹30.46 | -40.3% | Revenue/Share: ₹27.69, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹92.31 | ₹83.08 - ₹101.54 | +98.9% | EBITDA: ₹24.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹62.40 | ₹56.16 - ₹68.64 | +34.5% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹33.54 | ₹30.19 - ₹36.89 | -27.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹46.15 | ₹41.53 - ₹50.77 | -0.5% | ROE: 10.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹56.32 | ₹50.69 - ₹61.95 | +21.4% | EPS: ₹3.90, BVPS: ₹36.15 |
RTFL Intrinsic Value vs Market Price — All Valuation Models
Real Touch Finance fair value range ₹28–₹92 vs current market price ₹46.40 across 8 valuation models. Browse RTFL income statement for revenue, profit, balance sheet and cash flow data.
RTFL Intrinsic Value Analysis — Undervalued or Overvalued?
Real Touch Finance median intrinsic value ₹46.80, current price ₹46.40 — Trading Near Calculated Value by 0.9%, margin of safety 0.9%.
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 ₹46.40, this represents a +0.9% variance from our estimated fair value.
The valuation range spans from ₹27.69 to ₹92.31, indicating ₹27.69 - ₹92.31.
Is RTFL undervalued or overvalued?
Based on our multi-method analysis, Real Touch Finance (RTFL) appears to be trading near calculated value by approximately 0.9%.
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 | 0.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 10.6% | 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 | 0.16x | 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 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 |