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RLF Ltd
Fundamental Score
RLF 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 RLFL across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Strong Revenue Growth (142.86%)
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.
Debt-Free Balance Sheet (D/E: 0.00)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
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
14 factors identified
Below-Average Return on Equity (0.36%)
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 (0.34%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Margin Pressure Concerns (4.58%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Premium Valuation Risk (P/E: 646.79x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Limited Growth History (-9.33% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Weak Earnings Growth (0.00% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (0.00% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Low Promoter Commitment (11.50%)
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.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
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Financial Statements
Comprehensive financial data for RLF Ltd
About RLFL
Business Overview
Ramchandra Leasing and Finance Limited engages in non-banking financial business in India. It offers short term and long-term leasing, hire purchasing, and secured and unsecured loans. The company is involved in finance and trading of shares and securities, and derivatives. Ramchandra Leasing and Finance Limited was incorporated in 1993 and is based in Vadodara, India.
Company Details
Key Leadership
RLFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of RLF Ltd (RLFL)?
As of 16 Jan 2026, 10:14 am IST, RLF Ltd (RLFL) is currently trading at ₹10.93. The stock has a market capitalization of ₹84.08 (Cr).
Is RLFL share price Overvalued or Undervalued?
RLFL is currently trading at a P/E ratio of 646.79x, 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 RLF Ltd share price?
Key factors influencing RLFL's price include its quarterly earnings growth (Sales Growth: 142.86%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is RLF Ltd a good stock for long-term investment?
RLF Ltd shows a 5-year Profit Growth of 0.00% and an ROE of 0.36%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.00 before investing.
How does RLF Ltd compare with its industry peers?
RLF Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare RLFL's P/E of 646.79x and ROE of 0.36% against the industry averages to determine its competitive standing.
What is the P/E ratio of RLFL and what does it mean?
RLFL has a P/E ratio of 646.79x 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 ₹647 for every ₹1 of annual earnings.
How is RLFL performing according to Bull Run's analysis?
RLFL has a Bull Run fundamental score of 9.5/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does RLFL belong to?
RLFL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting RLF Ltd.
What is Return on Equity (ROE) and why is it important for RLFL?
RLFL has an ROE of 0.36%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently RLF Ltd generates profits from shareholders' equity.
How is RLFL's debt-to-equity ratio and what does it indicate?
RLFL has a debt-to-equity ratio of 0.00, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is RLFL's dividend yield and is it a good dividend stock?
RLFL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has RLFL grown over the past 5 years?
RLFL has achieved 5-year growth rates of: Sales Growth -9.33%, Profit Growth 0.00%, and EPS Growth 0.00%.
What is the promoter holding in RLFL and why does it matter?
Promoters hold 11.50% of RLFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is RLFL's market capitalization category?
RLFL has a market capitalization of ₹84 crores, placing it in the Small-cap category.
How volatile is RLFL stock?
RLFL 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 RLFL?
RLFL has a 52-week high of ₹N/A and low of ₹N/A.
What is RLFL's operating profit margin trend?
RLFL has a 5-year average Operating Profit Margin (OPM) of 4.58%, indicating the company's operational efficiency.
How is RLFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 142.86% and YoY Profit Growth of N/A%.
What is the institutional holding pattern in RLFL?
RLFL has FII holding of 0.00% and DII holding of 0.01%. Significant institutional holding often suggests professional confidence in the stock.