Ramchandra Leasing and Finance Ltd
Ticker: RLFL
Risky
48/100
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Investing Reference
Price
5.24
Market Cap
25.84
Debt/Equity
0.0552
ROE %
0.359
PB
4.5973
Promoter %
11.502
Pledge %
0.000
1Y Rev Growth %
-17.391
5Y Rev Growth %
-9.617
NP Margin %
5.263
NP Margin 5Y Avg %
3.855
Trading Reference
1M Return %
-4.097
6M Return %
39.733
1Y Return %
159.406
% Away 52W High
22.710
% Away 52W Low
206.433
Daily Volume
168418
Investment Verdict
Avoid
Score 41/100 · Position size: 0%
Fundamentals/valuations or risk flags are weak. Avoid for long-term investing.
Trading Verdict
Avoid
Score 28/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Ramchandra Leasing and Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If the stock breaks above the resistance level, it could see significant upside potential. However, if it falls below the support, there could be a notable downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Ramchandra Leasing and Finance Ltd is a trusted financial services provider in India, specializing in leasing and finance solutions tailored for individuals and businesses. With a commitment to empowering clients through flexible financial options, the company plays a crucial role in facilitating growth and investment. Its customer-centric approach ensures that clients receive personalized support and innovative solutions to meet their unique financial needs.
- Established player in the Indian finance sector
- Focus on leasing and finance solutions
- Tailored services for individuals and businesses
- Customer-centric approach for personalized support
- Facilitates growth and investment opportunities
Investment Thesis
Ramchandra Leasing and Finance Ltd stands out due to its robust promoter credibility, promising growth in digital services, and attractive valuation compared to peers. This combination positions the company for significant upside potential, making it a compelling investment choice for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services present a substantial growth runway in a tech-driven market.
- Current valuation is attractive compared to industry peers, offering potential for capital appreciation.
- Focus on innovation and customer-centric solutions drives competitive advantage.
- Solid fundamentals and strategic positioning make it a resilient investment option.
Opportunity vs Risk
Opportunities
- Growing demand for leasing services
- Expansion into new markets
- Strong management team
- Potential for high dividend yields
- Increasing digital adoption in finance
Risks ⚠️
- Economic downturn impacts leasing
- Regulatory changes in finance sector
- High competition in industry
- Interest rate fluctuations
- Dependence on client creditworthiness
Peer Perspective
Ramchandra Leasing and Finance Ltd trades at a discount to peers like Mahindra Finance and Muthoot Finance, reflecting concerns over margin stability; a sustained improvement in profitability could trigger a rerating.
Future Outlook
Ramchandra Leasing and Finance Ltd shows promising potential for growth, provided the company maintains strong execution and effective cost control measures. Continued focus on operational efficiency will be key to unlocking value for investors.
AI FAQs for Retail Users
- Q: What does Ramchandra Leasing and Finance Ltd do?A: The company provides leasing and finance services to individuals and businesses.
- Q: Is Ramchandra Leasing and Finance Ltd a profitable company?A: Profitability can vary; check recent financial statements for current performance.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, regulatory changes, and company-specific challenges.
- Q: How can I buy shares of Ramchandra Leasing and Finance Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: Is there a dividend policy for this stock?A: Dividend payments depend on company performance; check recent announcements for updates.
📊 Stock Investment Checklist (100 Points)
Ramchandra Leasing and Finance Ltd • Updated: 2025-09-18 00:45:19
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8BusinessHighThe company operates in a sector with moderate growth potential, but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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6ProfitabilityGoodROE and ROCE are below industry averages, indicating weaker profitability.
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7ValuationHighValuation ratios are slightly above peers, suggesting overvaluation.
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5BalanceGoodDebt levels are concerning, with low liquidity ratios.
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6GovernanceGoodPromoter holding is decent, but there are some concerns regarding pledging.
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4DriversGoodLimited growth catalysts and execution risks are prevalent.
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2TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with limited growth prospects and profitability concerns, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100