Rita Finance & Leasing Intrinsic Value
Rita Finance & Leasing (RFLL) median intrinsic value is ₹9.60 from 8 valuation models (range ₹5–₹17), vs current price ₹17.20 — -44.2% downside (Trading Above Calculated Value), margin of safety -79.2%. Browse RFLL cash flow statement for revenue, profit, balance sheet and cash flow data.
RFLL Valuation Methods Summary — DCF, Graham Number & P/E
Rita Finance & Leasing intrinsic value across 8 models vs current price ₹17.20 — upside/downside and value range per method. For current market price and key ratios, visit Rita Finance & Leasing stock price NSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹9.60 | ₹7.68 - ₹11.52 | -44.2% | EPS: ₹0.80, Sector P/E: 12x |
| Book Value Method | asset | ₹12.80 | ₹11.52 - ₹14.08 | -25.6% | Book Value/Share: ₹16.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹5.16 | ₹4.64 - ₹5.68 | -70.0% | Revenue/Share: ₹1.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹6.88 | ₹6.19 - ₹7.57 | -60.0% | EBITDA: ₹1.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹5.16 | ₹4.64 - ₹5.68 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹6.40 | ₹5.76 - ₹7.04 | -62.8% | Revenue Growth: -24.0%, Adj P/E: 8.0x |
| ROE Based Valuation | profitability | ₹10.00 | ₹9.00 - ₹11.00 | -41.9% | ROE: 6.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹16.97 | ₹15.27 - ₹18.67 | -1.3% | EPS: ₹0.80, BVPS: ₹16.00 |
RFLL Intrinsic Value vs Market Price — All Valuation Models
Rita Finance & Leasing fair value range ₹5–₹17 vs current market price ₹17.20 across 8 valuation models. Also explore RFLL share price history to track price trends across different timeframes.
RFLL Intrinsic Value Analysis — Undervalued or Overvalued?
Rita Finance & Leasing median intrinsic value ₹9.60, current price ₹17.20 — Trading Above Calculated Value by 44.2%, margin of safety -79.2%.
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 ₹9.60 (median value). With the current market price of ₹17.20, this represents a -44.2% variance from our estimated fair value.
The valuation range spans from ₹5.16 to ₹16.97, indicating ₹5.16 - ₹16.97.
Is RFLL undervalued or overvalued?
Based on our multi-method analysis, Rita Finance & Leasing (RFLL) appears to be trading above calculated value by approximately 44.2%.
RFLL Financial Health — Key Ratios vs Industry Benchmarks
Rita Finance & Leasing 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 | 6.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 81.0% | 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 |
RFLL Cash Flow Quality — Operating & Free Cash Flow
Rita Finance & Leasing 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 | ₹-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 |