Real Touch Finance Ltd
Fundamental Score
Real Touch Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of RTFL across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Operating Margins (73.14%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 10.27 vs Industry: 30.94)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Robust Profit Growth (72.65%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (27.13%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (72.67% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (32.24% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (32.24% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Balanced Promoter Holding (54.12%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Elevated Debt Levels (D/E: 2.88)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.47x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-168.69 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Real Touch Finance Ltd
About RTFL
Business Overview
Real Touch Finance Limited operates as a non-banking financial company in India. It provides personal loans, personal loan for education expenses, loan against property, secured business loans, and structured finance products. The company was formerly known as Associated Cereals Limited. The company was incorporated in 1984 and is based in Chennai, India. Real Touch Finance Limited is a subsidiary of Ultraplus Housing Estate Private Limited.
Company Details
Key Leadership
Latest News
RTFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Real Touch Finance Ltd (RTFL)?
As of 05 Feb 2026, 10:16 am IST, Real Touch Finance Ltd (RTFL) is currently trading at ₹47.20. The stock has a market capitalization of ₹59.17 (Cr).
Is RTFL share price Overvalued or Undervalued?
RTFL is currently trading at a P/E ratio of 10.27x, compared to the industry average of 30.94x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Real Touch Finance Ltd share price?
Key factors influencing RTFL's price include its quarterly earnings growth (Sales Growth: 27.13%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Real Touch Finance Ltd a good stock for long-term investment?
Real Touch Finance Ltd shows a 5-year Profit Growth of 32.24% and an ROE of 10.37%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.88 before investing.
How does Real Touch Finance Ltd compare with its industry peers?
Real Touch Finance Ltd competes with major peers in the Other Financial Services. Investors should compare RTFL's P/E of 10.27x and ROE of 10.37% against the industry averages to determine its competitive standing.
What is the P/E ratio of RTFL and what does it mean?
RTFL has a P/E ratio of 10.27x compared to the industry average of 30.94x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹10 for every ₹1 of annual earnings.
How is RTFL performing according to Bull Run's analysis?
RTFL has a Bull Run fundamental score of 68/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does RTFL belong to?
RTFL operates in the Other Financial Services industry. This classification helps understand the competitive landscape and sector-specific trends affecting Real Touch Finance Ltd.
What is Return on Equity (ROE) and why is it important for RTFL?
RTFL has an ROE of 10.37%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Real Touch Finance Ltd generates profits from shareholders' equity.
How is RTFL's debt-to-equity ratio and what does it indicate?
RTFL has a debt-to-equity ratio of 2.88, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is RTFL's dividend yield and is it a good dividend stock?
RTFL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has RTFL grown over the past 5 years?
RTFL has achieved 5-year growth rates of: Sales Growth 72.67%, Profit Growth 32.24%, and EPS Growth 32.24%.
What is the promoter holding in RTFL and why does it matter?
Promoters hold 54.12% of RTFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is RTFL's market capitalization category?
RTFL has a market capitalization of ₹59 crores, placing it in the Small-cap category.
How volatile is RTFL stock?
RTFL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for RTFL?
RTFL has a 52-week high of ₹N/A and low of ₹N/A.
What is RTFL's operating profit margin trend?
RTFL has a 5-year average Operating Profit Margin (OPM) of 73.14%, indicating the company's operational efficiency.
How is RTFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 27.13% and YoY Profit Growth of 72.65%.
What is the institutional holding pattern in RTFL?
RTFL has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.