Ramchandra Leasing & Finance Ltd (RLFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹1.6B
Fair value as of: Aug 13, 2026
From 15 valuation models · updated 6 days ago
Below-average quality, and screening another 67% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹7.15). The favourable scenario is already priced in.
- Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹0.1900 – ₹20.14 · fair‑value band ₹4.28 – ₹7.15 · the ₹17.52 price screens above the ₹5.71 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Ramchandra Leasing & Finance Ltd (RLFL) currently trades at ₹17.52, while our model-based Fair Value estimate is ₹5.71, implying the stock looks roughly 67.4% overvalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Ramchandra Leasing & Finance Ltd generated revenue of ₹120M at a net margin of 26.9%. It earns a return on equity of 18.5%. Net debt stands at ₹3.0M. The stock trades on a trailing P/E of 43.8. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹4.28 (bear case) to ₹7.15 (bull case); at ₹17.52, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 13% below its 52-week high, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at -67%, RLFL screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 15 models by family
Widest divergence: Growth Earnings (₹18.54) versus DCF Models (₹1.83). Highest evidence: ROIC Compounder (72).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 87
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Ramchandra Leasing and Finance Limited engages in non-banking financial business in India. The company offers short term and long-term leasing, hire purchasing, and secured and unsecured loans. It is involved in finance and trading of shares and securities, and derivatives. The company was incorporated in 1993 and is based in Vadodara, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Ramchandra Leasing & Finance Ltd reported revenue of ₹121M in FY2026 versus ₹5.1M in FY2022, a compound +120.2%/yr. Reported net income was ₹32.4M in FY2026, compounding +272.1%/yr from FY2022.
RLFL screens 67% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 336 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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