Rita Finance & Leasing Ltd
Fundamental Score
Rita Finance & Leasing 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 RFLL across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Operating Margins (61.53%)
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.
Robust Profit Growth (185.71%)
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 (43.48%)
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 (16.50% 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 (40.63% 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 (64.38% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Conservative Debt Levels (D/E: 0.11)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Interest Coverage (30.33x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk and strong debt servicing capability.
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
9 factors identified
Below-Average Return on Equity (3.79%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (4.62%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Negative Free Cash Flow (₹-10.20 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.
Low Promoter Commitment (29.07%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
Limited Institutional Interest (FII+DII: 0.01%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
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.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
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 Rita Finance & Leasing Ltd
About RFLL
Business Overview
Rita Finance and Leasing Limited operates as a non-banking financial company in India. It invests and trades in securities, as well as engages in advancing of loans. The company was formerly known as Rita Holdings Limited. Rita Finance and Leasing Limited was incorporated in 1981 and is based in Ahmedabad, India.
Company Details
Key Leadership
Latest News
RFLL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Rita Finance & Leasing Ltd (RFLL)?
As of 30 Jan 2026, 01:35 pm IST, Rita Finance & Leasing Ltd (RFLL) is currently trading at ₹18.87. The stock has a market capitalization of ₹23.00 (Cr).
Is RFLL share price Overvalued or Undervalued?
RFLL is currently trading at a P/E ratio of 32.39x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Rita Finance & Leasing Ltd share price?
Key factors influencing RFLL's price include its quarterly earnings growth (Sales Growth: 43.48%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Rita Finance & Leasing Ltd a good stock for long-term investment?
Rita Finance & Leasing Ltd shows a 5-year Profit Growth of 64.38% and an ROE of 3.79%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.11 before investing.
How does Rita Finance & Leasing Ltd compare with its industry peers?
Rita Finance & Leasing Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare RFLL's P/E of 32.39x and ROE of 3.79% against the industry averages to determine its competitive standing.
What is the P/E ratio of RFLL and what does it mean?
RFLL has a P/E ratio of 32.39x compared to the industry average of 22.03x. 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 ₹32 for every ₹1 of annual earnings.
How is RFLL performing according to Bull Run's analysis?
RFLL has a Bull Run fundamental score of 53.2/100, 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 RFLL belong to?
RFLL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Rita Finance & Leasing Ltd.
What is Return on Equity (ROE) and why is it important for RFLL?
RFLL has an ROE of 3.79%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Rita Finance & Leasing Ltd generates profits from shareholders' equity.
How is RFLL's debt-to-equity ratio and what does it indicate?
RFLL has a debt-to-equity ratio of 0.11, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is RFLL's dividend yield and is it a good dividend stock?
RFLL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has RFLL grown over the past 5 years?
RFLL has achieved 5-year growth rates of: Sales Growth 16.50%, Profit Growth 64.38%, and EPS Growth 40.63%.
What is the promoter holding in RFLL and why does it matter?
Promoters hold 29.07% of RFLL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is RFLL's market capitalization category?
RFLL has a market capitalization of ₹23 crores, placing it in the Small-cap category.
How volatile is RFLL stock?
RFLL 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 RFLL?
RFLL has a 52-week high of ₹N/A and low of ₹N/A.
What is RFLL's operating profit margin trend?
RFLL has a 5-year average Operating Profit Margin (OPM) of 61.53%, indicating the company's operational efficiency.
How is RFLL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 43.48% and YoY Profit Growth of 185.71%.
What is the institutional holding pattern in RFLL?
RFLL has FII holding of 0.00% and DII holding of 0.01%. Significant institutional holding often suggests professional confidence in the stock.