Real Touch Finance Ltd.

Real Touch Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Real Touch Finance Ltd.

₹ 25.0 2.00%
01 Dec 12:30 p.m.
realtouchfinance.com BSE: 538611
About

Incorporated in 1984, Real Touch Finance Ltd is in the business of providing loans

Key Points

Registration:[1]
Company is a a Non Deposit Taking NBFC and is a subsidiary of Ultraplus Housing Private Limited

Website BSE
  • Market Cap ₹ 31.7 Cr.
  • Current Price ₹ 25.0
  • High / Low ₹ 51.4 / 15.4
  • Stock P/E 11.3
  • Book Value ₹ 32.6
  • Dividend Yield 0.00 %
  • ROCE 9.78 %
  • ROE 6.93 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.77 times its book value
  • Company is expected to give good quarter

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 5.11% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023
0.56 0.64 0.52 0.68 0.67 0.67 0.39 1.05 3.46 3.15 3.68 4.66 5.12
0.04 0.07 0.13 0.09 0.05 0.06 0.26 0.37 0.72 0.42 0.94 1.20 2.43
Operating Profit 0.52 0.57 0.39 0.59 0.62 0.61 0.13 0.68 2.74 2.73 2.74 3.46 2.69
OPM % 92.86% 89.06% 75.00% 86.76% 92.54% 91.04% 33.33% 64.76% 79.19% 86.67% 74.46% 74.25% 52.54%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.10 1.27 1.31 1.82 2.09 1.76
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.03 0.00 0.03 0.06 0.05
Profit before tax 0.52 0.57 0.39 0.59 0.62 0.61 0.13 0.57 1.44 1.42 0.89 1.31 0.88
Tax % 25.00% 24.56% -46.15% 25.42% 25.81% 24.59% 30.77% 29.82% 24.31% 26.06% 42.70% 30.53% 61.36%
0.39 0.42 0.57 0.44 0.47 0.45 0.09 0.40 1.09 1.05 0.51 0.91 0.34
EPS in Rs 0.31 0.33 0.45 0.35 0.37 0.35 0.07 0.32 0.86 0.83 0.40 0.72 0.27
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
0.03 0.14 0.18 0.91 0.73 0.83 0.45 1.82 1.88 2.27 2.36 9.31 16.61
0.03 0.06 0.02 0.23 0.09 0.17 0.26 0.29 0.30 0.33 0.46 2.08 4.99
Operating Profit 0.00 0.08 0.16 0.68 0.64 0.66 0.19 1.53 1.58 1.94 1.90 7.23 11.62
OPM % 0.00% 57.14% 88.89% 74.73% 87.67% 79.52% 42.22% 84.07% 84.04% 85.46% 80.51% 77.66% 69.96%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.97 0.00
Interest 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.41 6.98
Depreciation 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.14
Profit before tax 0.00 0.08 0.12 0.67 0.64 0.66 0.19 1.53 1.58 1.94 1.95 3.73 4.50
Tax % 50.00% 25.00% 26.87% 39.06% 34.85% 121.05% 26.80% 27.85% 25.77% 25.64% 29.76%
0.00 0.04 0.09 0.49 0.39 0.43 -0.04 1.11 1.14 1.44 1.45 2.62 2.81
EPS in Rs 0.00 0.03 0.07 0.39 0.31 0.34 -0.03 0.87 0.90 1.13 1.14 2.06 2.22
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 52%
5 Years: 83%
3 Years: 70%
TTM: 198%
Compounded Profit Growth
10 Years: 52%
5 Years: 132%
3 Years: 32%
TTM: 38%
Stock Price CAGR
10 Years: %
5 Years: 0%
3 Years: 80%
1 Year: -26%
Return on Equity
10 Years: 3%
5 Years: 5%
3 Years: 5%
Last Year: 7%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 9.19 12.69 12.69 12.69 12.69 12.69 12.69 12.69 12.69 12.69 12.69 12.69 12.69
Reserves 10.36 17.39 17.48 17.97 18.36 18.79 18.64 19.68 20.80 22.25 23.77 26.50 28.72
0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 90.80 85.09
0.06 0.11 0.08 0.25 0.44 0.80 0.53 0.21 0.23 0.68 0.41 1.23 18.14
Total Liabilities 19.62 30.20 30.25 30.91 31.49 32.28 31.86 32.58 33.72 35.62 36.87 131.22 144.64
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.60 0.54
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.23 0.23 0.98 1.06 0.72 1.44 0.11 0.07 1.35 1.35 1.39 1.30 1.43
19.39 29.97 29.27 29.85 30.77 30.84 31.75 32.51 32.37 34.27 35.45 129.32 142.67
Total Assets 19.62 30.20 30.25 30.91 31.49 32.28 31.86 32.58 33.72 35.62 36.87 131.22 144.64

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
0.69 0.47 -0.74 0.76 -1.29 -0.76 -3.08 -4.89 0.42 -89.05
-0.74 -0.09 0.34 -0.72 1.33 2.05 1.70 4.94 -0.03 -0.56
-0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 90.80
Net Cash Flow -0.06 0.38 -0.40 0.03 0.04 1.28 -1.38 0.05 0.39 1.18

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 243.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.39
Inventory Days
Days Payable
Cash Conversion Cycle 243.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.39
Working Capital Days 229,220.00 76,493.57 38,933.33 7,709.12 10,180.00 8,808.37 17,171.22 1,570.30 933.86 -93.26 12.37 0.78
ROCE % 0.00% 0.32% 0.43% 2.24% 2.07% 2.11% 0.60% 4.80% 4.80% 5.67% 5.46% 9.78%

Shareholding Pattern

Numbers in percentages

Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12%
45.88% 45.88% 45.88% 45.88% 45.88% 45.88% 45.88% 45.88% 45.88% 45.88% 45.87% 45.87%
No. of Shareholders 7978088289521,0651,4001,6031,5201,4831,4151,4241,421

Documents

Announcements

Annual reports