Real Touch Finance Ltd.

₹ 40.8 4.88%
02 Feb 1:44 p.m.
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

  • Market Cap 51.8 Cr.
  • Current Price 40.8
  • High / Low 51.4 / 12.1
  • Stock P/E 23.3
  • Book Value 29.6
  • Dividend Yield 0.00 %
  • ROCE 5.46 %
  • ROE 4.06 %
  • Face Value 10.0

Pros

  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 3.92% 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

Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
0.58 0.14 0.55 0.56 0.64 0.52 0.68 0.67 0.67 0.39 1.05 2.41 3.15
0.04 0.11 0.08 0.04 0.07 0.13 0.09 0.05 0.06 0.26 0.37 0.35 0.42
Operating Profit 0.54 0.03 0.47 0.52 0.57 0.39 0.59 0.62 0.61 0.13 0.68 2.06 2.73
OPM % 93.10% 21.43% 85.45% 92.86% 89.06% 75.00% 86.76% 92.54% 91.04% 33.33% 64.76% 85.48% 86.67%
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 0.00 0.00 0.00 0.10 1.17 1.31
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.03 0.00
Profit before tax 0.54 0.03 0.47 0.52 0.57 0.39 0.59 0.62 0.61 0.13 0.57 0.86 1.42
Tax % 22.22% 233.33% 25.53% 25.00% 24.56% -46.15% 25.42% 25.81% 24.59% 30.77% 29.82% 20.93% 26.06%
Net Profit 0.41 -0.04 0.35 0.39 0.42 0.57 0.44 0.47 0.45 0.09 0.40 0.68 1.05
EPS in Rs 0.32 -0.03 0.28 0.31 0.33 0.45 0.35 0.37 0.35 0.07 0.32 0.54 0.83
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 TTM
0.02 0.03 0.14 0.18 0.91 0.73 0.83 0.45 1.82 1.88 2.27 2.41 7.00
0.08 0.03 0.06 0.02 0.23 0.09 0.17 0.26 0.29 0.30 0.33 0.46 1.40
Operating Profit -0.06 0.00 0.08 0.16 0.68 0.64 0.66 0.19 1.53 1.58 1.94 1.95 5.60
OPM % -300.00% 0.00% 57.14% 88.89% 74.73% 87.67% 79.52% 42.22% 84.07% 84.04% 85.46% 80.91% 80.00%
0.03 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 0.01 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.58
Depreciation 0.01 0.00 0.00 0.03 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.04
Profit before tax -0.05 0.00 0.08 0.12 0.67 0.64 0.66 0.19 1.53 1.58 1.94 1.95 2.98
Tax % -40.00% 50.00% 25.00% 26.87% 39.06% 34.85% 121.05% 26.80% 27.85% 25.77% 25.64%
Net Profit -0.07 0.00 0.04 0.09 0.49 0.39 0.43 -0.04 1.11 1.14 1.44 1.45 2.22
EPS in Rs -0.08 0.00 0.03 0.07 0.39 0.31 0.34 -0.03 0.87 0.90 1.13 1.14 1.76
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: 55%
5 Years: 24%
3 Years: 10%
TTM: 176%
Compounded Profit Growth
10 Years: %
5 Years: 28%
3 Years: 9%
TTM: 15%
Stock Price CAGR
10 Years: %
5 Years: 5%
3 Years: 21%
1 Year: 77%
Return on Equity
10 Years: 2%
5 Years: 3%
3 Years: 4%
Last Year: 4%

Balance Sheet

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Sep 2022
9.19 9.19 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 10.36 17.39 17.48 17.97 18.36 18.79 18.64 19.68 20.80 22.25 23.77 24.82
0.00 0.01 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.06 0.06 0.11 0.08 0.25 0.44 0.80 0.53 0.21 0.23 0.68 0.41 65.20
Total Liabilities 19.61 19.62 30.20 30.25 30.91 31.49 32.28 31.86 32.58 33.72 35.62 36.87 102.71
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.09
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 0.23 0.98 1.06 0.72 1.44 0.11 0.07 1.35 1.35 1.39 1.44
19.38 19.39 29.97 29.27 29.85 30.77 30.84 31.75 32.51 32.37 34.27 35.45 101.18
Total Assets 19.61 19.62 30.20 30.25 30.91 31.49 32.28 31.86 32.58 33.72 35.62 36.87 102.71

Cash Flows

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
0.69 0.47 -0.74 0.76 -1.29 -0.76 -3.08 -4.89 0.69
-0.74 -0.09 0.34 -0.72 1.33 2.05 1.70 4.94 -0.30
-0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash Flow -0.06 0.38 -0.40 0.03 0.04 1.28 -1.38 0.05 0.39

Ratios

Figures in Rs. Crores

Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Debtor Days 912.50 243.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 912.50 243.33 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 18,250.00 229,220.00 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 -27.26
ROCE % 0.00% 0.32% 0.43% 2.24% 2.07% 2.11% 0.60% 4.80% 4.80% 5.67% 5.46%

Shareholding Pattern

Numbers in percentages

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
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 45.88 45.88

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