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RTONZSE:RTO 20 Peter Lynch Fair Value is NZ$-0.03 as of Jul. 20, 2026. GuruFocus rates NZSE:RTO with a GF Score™ of 20/100. The stock has 1 warning sign investors should review. Among 32 Diversified Financial Services companies, RTO ranks worse than 3124996.88% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, RTO's PEG is 1. RTO's 5-Year TTM EBITDA Growth Rate is 25.
RTO's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$-0.00. Therefore, the Peter Lynch Fair Value for today is NZ$-0.03.
As of today (2026-07-20), RTO's share price is NZ$0.134. RTO's Peter Lynch fair value is NZ$-0.03. Therefore, RTO's Price to Peter Lynch Fair Value Ratio for today is N/A.
The historical rank and industry rank for RTO's Peter Lynch Fair Value or its related term are showing as below:
NZSE:RTO's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Diversified Financial Services industry.
Industry Median: 0.835 * Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
RTO (NZSE:RTO) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 25 instead of 15 in this case.
RTO's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
0.134
/
-0.03
=
N/A
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RTO Peter Lynch Fair Value Related Terms
RTO Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for RTO's Peter Lynch Fair Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NZSE:RTO vs XXI, CCXI, DMII: Peter Lynch Fair Value Comparison
For the Shell Companies subindustry, RTO's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
RTO Price-to-Peter-Lynch-Fair-Value vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, RTO's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where RTO's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. RTO's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$-0.00.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of NZ$-0.03 mean?
RTO (NZSE:RTO) has a Peter Lynch Fair Value of NZ$-0.03 as of Jul. 20, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on RTO and its competitors. According to the industry distribution chart, RTO ranks #999999 out of 32 companies in the Diversified Financial Services industry.
Is RTO's Peter Lynch Fair Value too high?
RTO's current Peter Lynch Fair Value is NZ$-0.03. Based on the distribution chart, RTO ranks #999999 out of 32 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, RTO has a GF Score™ of 20/100, reflecting its overall financial health beyond just this single metric.
How does RTO's Peter Lynch Fair Value compare to XXI and CCXI?
According to the Diversified Financial Services industry distribution chart, RTO ranks #999999 out of 32 companies for Peter Lynch Fair Value. This places RTO in the lower half of its industry. The industry median Peter Lynch Fair Value is 0.84. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Diversified Financial Services company?
The median Peter Lynch Fair Value among Diversified Financial Services companies is 0.84, based on 32 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on RTO and its competitors. For the Diversified Financial Services industry, the median Peter Lynch Fair Value is 0.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. RTO's current Peter Lynch Fair Value is NZ$-0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is RTO stock overvalued right now?
RTO (NZSE:RTO) has a current Peter Lynch Fair Value of NZ$-0.03. The current Peter Lynch Fair Value is NZ$-0.03. RTO's overall GF Score™ is 20/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For RTO (NZSE:RTO), the current Peter Lynch Fair Value is NZ$-0.03 as of Jul. 20, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
RTO Ltd was previously engaged in mortgage lending services. The group has discontinued its operations and is currently not involved in any business activities.
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