Rita Finance & Leasing Intrinsic Value
RFLL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹8.40 | ₹6.72 - ₹10.08 | -56.2% | EPS: ₹0.70, Sector P/E: 12x |
| Book Value Method | asset | ₹12.80 | ₹11.52 - ₹14.08 | -33.2% | Book Value/Share: ₹16.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹5.75 | ₹5.17 - ₹6.33 | -70.0% | Revenue/Share: ₹1.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹7.67 | ₹6.90 - ₹8.44 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹5.75 | ₹5.17 - ₹6.33 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹5.75 | ₹5.17 - ₹6.33 | -70.0% | Revenue Growth: -24.0%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹10.00 | ₹9.00 - ₹11.00 | -47.8% | ROE: 6.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹15.87 | ₹14.28 - ₹17.46 | -17.2% | EPS: ₹0.70, BVPS: ₹16.00 |
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Valuation Comparison Chart
RFLL Intrinsic Value Analysis
What is the intrinsic value of RFLL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Rita Finance & Leasing (RFLL) is ₹8.40 (median value). With the current market price of ₹19.17, this represents a -56.2% variance from our estimated fair value.
The valuation range spans from ₹5.75 to ₹15.87, indicating ₹5.75 - ₹15.87.
Is RFLL undervalued or overvalued?
Based on our multi-method analysis, Rita Finance & Leasing (RFLL) appears to be trading above calculated value by approximately 56.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Debt to Equity Ratio | 1.19 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.05x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Rita Finance & Leasing
Additional stock information and data for RFLL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-3 Cr | ₹-3 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹2 Cr | ₹-2 Cr | Positive Operating Cash Flow | 6/10 |
| March 2021 | ₹-9 Cr | ₹-9 Cr | Negative Cash Flow | 3/10 |