Ramchandra Leasing and Finance Limited (RLFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹1.6B
Fair value as of: Jul 6, 2026
From 14 valuation models · updated today
Share price +20.4% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹3.64 – ₹20.14 · fair‑value band ₹5.09 – ₹8.56 · the ₹18.23 price screens above the ₹6.87 fair value. As of Jul 6, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Ramchandra Leasing and Finance Limited (RLFL) currently trades at ₹18.23, while our model-based Fair Value estimate is ₹6.87 — implying the stock looks roughly 62.3% overvalued today. We read business quality at 58/100 (solid 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 and Finance Limited 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 48.4. Fundamentals as of Jul 6, 2026
Our scenario range runs from ₹5.09 (bear case) to ₹8.56 (bull case); at ₹18.23, the current price sits above that range. The share trades about 9% below its 52-week high, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside — at -62%, RLFL screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 6, 2026. TTM = trailing twelve months.
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.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Ramchandra Leasing and Finance Limited 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.
Is RLFL fairly valued? → Check now
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 6, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$412.88 | R$211.20 | -49% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Ramchandra Leasing and Finance Limited (RLFL) undervalued?
What is the fair value of RLFL?
What is the quality score of RLFL?
What is the revenue of Ramchandra Leasing and Finance Limited (RLFL)?
What is the net profit margin of RLFL?
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.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.