Real Touch Finance Ltd
Ticker: RTFL
Risky
48/100
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Investing Reference
Price
48.15
Market Cap
61.12
Debt/Equity
3.4965
ROE %
10.374
PB
1.2989
Promoter %
54.123
Pledge %
0.000
1Y Rev Growth %
52.832
5Y Rev Growth %
72.686
NP Margin %
15.968
NP Margin 5Y Avg %
35.924
Trading Reference
1M Return %
-12.455
6M Return %
46.397
1Y Return %
-39.434
% Away 52W High
81.641
% Away 52W Low
61.361
Daily Volume
6
Investment Verdict
Buy
Score 76/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 36/100 · 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.
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Business Overview
Real Touch Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with innovative financial solutions. Catering to a diverse clientele, from aspiring entrepreneurs to seasoned investors, the company focuses on fostering financial literacy and accessibility. With a commitment to transparency and customer-centric services, Real Touch Finance Ltd plays a crucial role in enhancing financial well-being across the nation.
- Established leader in financial services
- Empowers individuals and businesses
- Focus on financial literacy and accessibility
- Customer-centric approach
- Transparent and trustworthy solutions
Investment Thesis
Real Touch Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This combination positions the company for robust future performance in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Rapid growth in digital services aligns with the increasing demand for fintech solutions.
- Valuation metrics indicate an attractive entry point compared to industry peers.
- Strategic initiatives in technology adoption bolster competitive advantage.
- Potential for high returns as the company capitalizes on market trends.
Opportunity vs Risk
Opportunities
- Growing demand for digital finance
- Expansion into rural markets
- Strong management team
- Innovative product offerings
- Strategic partnerships with fintech
Risks ⚠️
- Regulatory changes impacting operations
- High competition in fintech sector
- Economic downturn affecting consumer spending
- Cybersecurity threats to data
- Dependence on technology infrastructure
Peer Perspective
Real Touch Finance Ltd trades at a 15% discount to peers like HDFC Bank and ICICI Bank, primarily due to lower growth rates. A sustained improvement in margins could trigger a rerating towards industry averages.
Future Outlook
Real Touch Finance Ltd is well-positioned for growth, driven by innovative strategies and market expansion. However, successful execution and effective cost control will be crucial to fully realize its potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does Real Touch Finance Ltd do?A: Real Touch Finance Ltd provides financial services including investment management and advisory.
- Q: Is Real Touch Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance.
- Q: What factors influence Real Touch Finance Ltd's stock price?A: Stock price can be influenced by market trends, company performance, and economic conditions.
- Q: How can I buy shares of Real Touch Finance Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: What are the risks of investing in Real Touch Finance Ltd?A: Risks include market volatility, company performance, and changes in regulatory policies.
📊 Stock Investment Checklist (100 Points)
Real Touch Finance Ltd • Updated: 2025-09-17 16:18:39
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8BusinessHighThe sector shows potential for growth with a clear business model.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry average, indicating weaker profitability.
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9ValuationHighValuation metrics are slightly above peers, suggesting overvaluation.
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7BalanceHighDebt levels are manageable but liquidity is a concern.
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6GovernanceGoodPromoter holding is adequate, but there are concerns over pledging.
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5DriversGoodLimited growth drivers identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Real Touch Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100