Real Touch Finance Intrinsic Value
Real Touch Finance (RTFL) median intrinsic value is ₹55.38 from 8 valuation models (range ₹26–₹81), vs current price ₹47.50 — +16.6% upside (Trading Below Median Value), margin of safety 14.2%. 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 ₹47.50 — upside/downside and value range per method. Analyse Real Touch Finance shareholding analysis to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹49.08 | ₹39.26 - ₹58.90 | +3.3% | EPS: ₹4.09, Sector P/E: 12x |
| Book Value Method | asset | ₹32.00 | ₹28.80 - ₹35.20 | -32.6% | Book Value/Share: ₹40.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹26.15 | ₹23.54 - ₹28.77 | -44.9% | Revenue/Share: ₹26.15, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹80.77 | ₹72.69 - ₹88.85 | +70.0% | EBITDA: ₹21.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹65.44 | ₹58.90 - ₹71.98 | +37.8% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹35.17 | ₹31.65 - ₹38.69 | -26.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹55.38 | ₹49.84 - ₹60.92 | +16.6% | ROE: 11.5%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹60.67 | ₹54.60 - ₹66.74 | +27.7% | EPS: ₹4.09, BVPS: ₹40.00 |
RTFL Intrinsic Value vs Market Price — All Valuation Models
Real Touch Finance fair value range ₹26–₹81 vs current market price ₹47.50 across 8 valuation models. For current market price and key ratios, visit Real Touch Finance screener.
RTFL Intrinsic Value Analysis — Undervalued or Overvalued?
Real Touch Finance median intrinsic value ₹55.38, current price ₹47.50 — Trading Below Median Value by 16.6%, margin of safety 14.2%.
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 ₹47.50, this represents a +16.6% variance from our estimated fair value.
The valuation range spans from ₹26.15 to ₹80.77, indicating ₹26.15 - ₹80.77.
Is RTFL undervalued or overvalued?
Based on our multi-method analysis, Real Touch Finance (RTFL) appears to be trading below median value by approximately 16.6%.
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 | 107.00 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 11.5% | 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 | 0.11x | 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 |