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.

₹ 47.8 4.99%
10 Jun 9:35 a.m.
realtouchfinance.com BSE: 538611
About

Incorporated in 1984, Real Touch Finance Ltd is in the business of offering various types of loans.[1]

Key Points

Business Overview:[1][2][3]
RTFL is a part of the Howrah based Khivraj Group and is a subsidiary of Ultraplus Housing Private Limited. It
is registered as a non-systematically important non deposit taking Non-Banking Financial Company which
is engaged in providing financial solutions. The company operates 9 branches in Tamil Nadu and has an AUM of Rs 227.5 Crs as on FY25.

Website BSE
  • Market Cap ₹ 60.6 Cr.
  • Current Price ₹ 47.8
  • High / Low ₹ 64.8 / 41.9
  • Stock P/E 11.7
  • Book Value ₹ 41.2
  • Dividend Yield 0.00 %
  • ROCE 11.1 %
  • ROE 10.4 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 1.10 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 29.2% CAGR over last 5 years

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 9.23% over last 3 years.
  • Working capital days have increased from 10.8 days to 476 days

* 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

Financial Services Financial Services Finance Other Financial Services

Edit Columns
Loading peers table ...

Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
3.65 4.66 5.12 5.20 3.80 6.42 6.82 7.59 7.83 8.18 8.67 8.72 11.32
0.94 1.20 2.43 1.62 0.09 1.62 1.81 1.73 3.54 2.32 4.40 2.12 3.78
Operating Profit 2.71 3.46 2.69 3.58 3.71 4.80 5.01 5.86 4.29 5.86 4.27 6.60 7.54
OPM % 74.25% 74.25% 52.54% 68.85% 97.63% 74.77% 73.46% 77.21% 54.79% 71.64% 49.25% 75.69% 66.61%
0.03 0.00 0.00 0.05 0.06 0.01 0.03 0.07 0.10 0.06 2.49 0.07 0.95
Interest 1.82 2.09 1.76 2.19 3.32 3.35 3.41 3.71 3.73 4.07 4.00 5.46 6.39
Depreciation 0.03 0.06 0.05 0.07 0.08 0.06 0.07 0.07 0.09 0.05 0.06 0.07 0.07
Profit before tax 0.89 1.31 0.88 1.37 0.37 1.40 1.56 2.15 0.57 1.80 2.70 1.14 2.03
Tax % 42.70% 30.53% 61.36% 37.96% -43.24% 25.00% 25.00% 20.00% -19.30% 25.56% 25.19% 25.44% 52.22%
0.51 0.91 0.34 0.86 0.53 1.04 1.17 1.72 0.68 1.34 2.02 0.86 0.97
EPS in Rs 0.40 0.72 0.27 0.68 0.42 0.82 0.92 1.36 0.54 1.06 1.59 0.68 0.76
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.91 0.73 0.83 0.45 1.82 1.88 2.27 2.36 10.39 18.74 28.86 39.18
0.23 0.09 0.17 0.26 0.29 0.30 0.33 0.46 2.15 5.26 8.62 12.61
Operating Profit 0.68 0.64 0.66 0.19 1.53 1.58 1.94 1.90 8.24 13.48 20.24 26.57
OPM % 74.73% 87.67% 79.52% 42.22% 84.07% 84.04% 85.46% 80.51% 79.31% 71.93% 70.13% 67.82%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.00 0.15 0.01 1.27
Interest 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.45 9.44 14.29 19.91
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.06 0.26 0.29 0.25
Profit before tax 0.67 0.64 0.66 0.19 1.53 1.58 1.94 1.95 3.73 3.93 5.67 7.68
Tax % 26.87% 39.06% 34.85% 121.05% 26.80% 27.85% 25.77% 25.64% 29.76% 32.82% 18.69% 32.29%
0.49 0.39 0.43 -0.04 1.11 1.14 1.44 1.45 2.62 2.63 4.61 5.19
EPS in Rs 0.39 0.31 0.34 -0.03 0.87 0.90 1.13 1.14 2.06 2.07 3.63 4.09
Dividend Payout % 0.00% 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: 49%
5 Years: 77%
3 Years: 56%
TTM: 36%
Compounded Profit Growth
10 Years: 30%
5 Years: 29%
3 Years: 26%
TTM: 13%
Stock Price CAGR
10 Years: 9%
5 Years: 39%
3 Years: 13%
1 Year: -19%
Return on Equity
10 Years: 6%
5 Years: 8%
3 Years: 9%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 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 17.97 18.36 18.79 18.64 19.68 20.80 22.25 23.77 26.50 29.14 34.36 39.58
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 89.02 139.45 164.51 231.94
0.25 0.44 0.80 0.53 0.21 0.23 0.68 0.41 2.46 11.22 18.06 37.29
Total Liabilities 30.91 31.49 32.28 31.86 32.58 33.72 35.62 36.87 130.67 192.50 229.62 321.50
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.60 0.65 0.61 0.53
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
Investments 1.06 0.72 1.44 0.11 0.07 1.35 1.35 1.39 1.43 0.01 0.01 125.01
29.85 30.77 30.84 31.75 32.51 32.37 34.27 35.45 128.64 191.84 229.00 195.96
Total Assets 30.91 31.49 32.28 31.86 32.58 33.72 35.62 36.87 130.67 192.50 229.62 321.50

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.47 -0.74 0.76 -1.29 -0.76 -3.08 -4.89 0.42 -87.24 -49.72 -26.07 33.42
-0.09 0.34 -0.72 1.33 2.05 1.70 4.94 -0.03 -1.62 1.15 0.00 -126.70
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 89.01 50.43 25.06 91.99
Net Cash Flow 0.38 -0.40 0.03 0.04 1.28 -1.38 0.05 0.39 0.15 1.86 -1.01 -1.30
Free Cash Flow 0.47 -0.74 0.76 -1.29 -0.76 -3.08 -4.89 0.42 -87.87 -50.03 -26.32 33.25
CFO/OP 75% -112% 180% -679% -34% -168% -244% 71% -1,042% -362% -123% 134%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.35 0.78 0.13 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.35 0.78 0.13 0.00
Working Capital Days 7,709.12 10,180.00 8,808.37 17,171.22 1,570.30 933.86 -93.26 12.37 -67.45 -216.58 -227.40 476.42
ROCE % 2.24% 2.07% 2.11% 0.60% 4.80% 4.80% 5.67% 5.46% 9.94% 8.64% 10.16% 11.13%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM) / Loan Portfolio
Rupees Crore

Log in to view insights

Please log in to see hidden values.

Login
Gross NPA
%
Net NPA
%
Capital Adequacy Ratio (CRAR/CAR)
%
Number of Branches
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12% 54.12%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.03% 0.03%
45.87% 45.87% 45.88% 45.88% 45.88% 45.88% 45.87% 45.87% 45.87% 45.88% 45.85% 45.85%
No. of Shareholders 1,4241,4211,3791,3441,3181,3281,3401,3611,3581,3821,3831,380

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Credit ratings