Ramchandra Leasing & Finance Ltd (RLFL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Ramchandra Leasing & Finance Ltd ₹2.91, price ₹13.55, upside -78.6%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range ₹0.2500 – ₹20.14 · fair‑value band ₹2.62 – ₹3.61 · the ₹13.55 price screens above the ₹2.91 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 3, 2026.
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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.
Stock analysis
Ramchandra Leasing & Finance Ltd (RLFL) currently trades at ₹13.55, while our model-based Fair Value estimate is ₹2.91, 78.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹13.97 per share, and 2 of the 7 models we run sit above the ₹13.55 price.
Bear case: the DCF Models group reads lowest at ₹2.27, and 5 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹2.62 (bear) to ₹3.61 (bull), the price of ₹13.55 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
Key figures
Market cap ₹1.6B (≈ $16.3M) · P/E ratio 33.9 · P/S ratio 9.10 · EPS (TTM) ₹0.4000 · Net margin 26.9% · Return on equity 18.5% · Return on assets (EBIT) −0.7% · Operating margin 36.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 33% below its 52-week high and 206% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −79%, RLFL screens richer than that median.
Fair Value models
Bear ₹2.62Fair Value ₹2.91Bull ₹3.61
Price ₹13.55 · Upside -78.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹0.2049 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+1,016.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+195.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+83.4%
Start year 2021 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+56.4%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
2.6% (2021) → 35.0% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
Compare Ramchandra Leasing & Finance Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Credit Services · 330 stocks
Beats the industry median on 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Below median
Fair Value upside−78.5% · Bottom 25%
Profitability
Return on equity (TTM)18.5% · Top 25%
Return on assets12.9% · Top 25%
Net margin (TTM)26.9% · Above median
Operating margin (TTM)36.7% · Above median
Growth and dividend
Revenue growth284.6% · Top 25%
Balance sheet
Debt / equity0.10× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)33.9× · Priciest 25%
P/B5.35× · Priciest 25%
P/S (TTM)13.05× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 53
FUTURE (revenue growth)100· sector 52
PAST (return on equity)74· sector 32
HEALTH (low debt)95· sector 56
DIVIDEND (yield)0· sector 64
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Ramchandra Leasing & Finance Ltd (RLFL) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹2.91 versus a price of ₹13.55, about −79% upside (overvalued).
What is the fair value of RLFL?
Our model-based fair value for Ramchandra Leasing & Finance Ltd is ₹2.91 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹13.55.
What is the quality score of RLFL?
Ramchandra Leasing & Finance Ltd has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ramchandra Leasing & Finance Ltd (RLFL)?
Our model-based price target is the fair value of ₹2.91 (as of Oct 3, 2026) from 7 valuation models. Cautious scenario ₹2.62, optimistic scenario ₹3.61. It is a calculation from audited fundamentals, not an analyst target.
What is the Ramchandra Leasing & Finance Ltd stock forecast for 2026?
Our models put fair value at ₹2.91, about −79% upside versus a price of ₹13.55 (overvalued). Cautious scenario ₹2.62, optimistic scenario ₹3.61. The calculation is refreshed regularly with new filings.
What is the revenue of Ramchandra Leasing & Finance Ltd (RLFL)?
Ramchandra Leasing & Finance Ltd reported trailing-twelve-month revenue of about ₹120M (latest available figure, as of Oct 3, 2026).
What is the intrinsic value of Ramchandra Leasing & Finance Ltd (RLFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ramchandra Leasing & Finance Ltd it is ₹2.91 per share (as of Oct 3, 2026), against a price of ₹13.55. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Ramchandra Leasing & Finance Ltd stock overvalued or undervalued in 2026?
As of Oct 3, 2026, RLFL trades above its calculated fair value: price ₹13.55, fair value ₹2.91, a gap of about −79% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RLFL?
No. The price is what the market pays today (₹13.55); the fair value is what the company's own numbers justify (₹2.91). For Ramchandra Leasing & Finance Ltd the two are ₹10.64 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ramchandra Leasing & Finance Ltd worth?
The market values Ramchandra Leasing & Finance Ltd at about ₹1.6B (market capitalisation, as of Oct 3, 2026). Per share that is ₹13.55; our models calculate a fair value of ₹2.91 per share.
What do the bullish and bearish scenarios say about RLFL?
Our models span a range for Ramchandra Leasing & Finance Ltd: cautious scenario ₹2.62, base ₹2.91, optimistic ₹3.61 per share (as of Oct 3, 2026, price ₹13.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RLFL?
Ramchandra Leasing & Finance Ltd trades at a price-to-earnings ratio of 33.9 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹2.91 is built from several models across several years. Other multiples: P/B 5.4, P/S 13.0.
How solid is the balance sheet of Ramchandra Leasing & Finance Ltd (RLFL)?
Balance-sheet figures for Ramchandra Leasing & Finance Ltd (as of Oct 3, 2026): return on equity 18.5%, debt of 0.10 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is RLFL from its 52-week high?
Ramchandra Leasing & Finance Ltd trades at ₹13.55, about 33% below its 52-week high of ₹20.14 and 206% above the low of ₹4.43 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹2.91 is for.
Which stocks are comparable to Ramchandra Leasing & Finance Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ramchandra Leasing & Finance Ltd stock attractive at the current price?
The data as of Oct 3, 2026: price ₹13.55, calculated fair value ₹2.91 (−79%), Quality Score 46/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RLFL calculated?
We run Ramchandra Leasing & Finance Ltd through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹2.91, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. Ramchandra Leasing & Finance Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ramchandra Leasing & Finance Ltd (RLFL)?
The closing price on Oct 1, 2026 was ₹13.55. Our model-based fair value is ₹2.91, about −79% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ramchandra Leasing & Finance Ltd right now?
The price sits above even our optimistic bull case (₹3.61). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (46/100) 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.
Key figures of Ramchandra Leasing & Finance Ltd
How large is the market capitalisation of Ramchandra Leasing & Finance Ltd (RLFL)?
The market capitalisation of Ramchandra Leasing & Finance Ltd is ₹1.6B (≈ $16.3M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ramchandra Leasing & Finance Ltd (RLFL)?
The price-to-sales ratio of Ramchandra Leasing & Finance Ltd is 9.10 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ramchandra Leasing & Finance Ltd (RLFL)?
Earnings per share at Ramchandra Leasing & Finance Ltd are ₹0.4000 (price ÷ EPS = P/E 33.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ramchandra Leasing & Finance Ltd (RLFL)?
The net margin of Ramchandra Leasing & Finance Ltd is 26.9% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ramchandra Leasing & Finance Ltd (RLFL)?
The return on equity (ROE) of Ramchandra Leasing & Finance Ltd is 18.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ramchandra Leasing & Finance Ltd (RLFL)?
On an EBIT basis the return on assets of Ramchandra Leasing & Finance Ltd is −0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ramchandra Leasing & Finance Ltd (RLFL)?
The operating margin of Ramchandra Leasing & Finance Ltd is 36.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ramchandra Leasing & Finance Ltd (RLFL)?
Revenue at Ramchandra Leasing & Finance Ltd is growing +285% versus a year earlier (3y avg +196%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ramchandra Leasing & Finance Ltd (RLFL)?
Earnings per share at Ramchandra Leasing & Finance Ltd are growing +58.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ramchandra Leasing & Finance Ltd (RLFL) generate?
The free cash flow of Ramchandra Leasing & Finance Ltd is −₹122M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Ramchandra Leasing & Finance Ltd (RLFL) carry?
The net debt of Ramchandra Leasing & Finance Ltd is ₹3.0M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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