Real Touch Finance (BOM:538611) ROCE %: 3.70% (As of Mar. 2026)

What is Real Touch Finance ROCE %?

Real Touch Finance BOM:538611 85 ROCE % is 3.70% as of Mar. 2026. GuruFocus rates BOM:538611 with a GF Score™ of 85/100 and a GF Value™ of ₹80.42 (Possible Value Trap). The stock has 6 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Real Touch Finance's annualized ROCE % for the quarter that ended in Mar. 2026 was 3.70%.

Real Touch Finance (BOM:538611) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Real Touch Finance ROCE % Related Terms

Real Touch Finance ROCE % Historical Data

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The historical data trend for Real Touch Finance's ROCE % 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.

Real Touch Finance ROCE % Chart

Real Touch Finance Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

ROCE %

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5.43

4.51

2.69

3.96

5.10

Real Touch Finance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															2.16	5.91	5.35	2.87	3.70

85GF Score

Real Touch Finance Ltd BOM:538611

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Real Touch Finance ROCE % Calculation

Real Touch Finance's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Mar. 2026 )		(A: Mar. 2025 )		(A: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Mar. 2026 )		(A: Mar. 2025 )		(A: Mar. 2026 )
	=	114.529	/	( ( (2296.277 - 1004.753)	+	(3215.047 - 13.962) )	/ 2 )
	=	114.529	/	( (1291.524	+	3201.085)	/ 2 )
	=	114.529	/	2246.3045
	=	5.10 %

Real Touch Finance's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	118.496	/	( ( (0 - 0)	+	(3215.047 - 13.962) )	/ 1 )
	=	118.496	/	( ( 0	+	3201.085 )	/ 1 )
	=	118.496	/	3201.085
	=	3.70 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 3.70% mean?

Real Touch Finance (BOM:538611) has a ROCE % of 3.70% as of Mar. 2026.

Is Real Touch Finance's ROCE % too high?

Real Touch Finance's current ROCE % is 3.70%. The Credit Services industry median ROCE % is 3.54. Real Touch Finance's value of 3.70% is 4.5% above this industry median. Overall, Real Touch Finance has a GF Score™ of 85/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

How does Real Touch Finance's ROCE % compare to V and MA?

Real Touch Finance's ROCE % of 3.70% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.54. Real Touch Finance's value of 3.70% is 4.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.54, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Real Touch Finance's current ROCE % of 3.70% is 4.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Real Touch Finance's current ROCE % is 3.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Real Touch Finance stock overvalued right now?

Based on GuruFocus' analysis, Real Touch Finance (BOM:538611) is currently considered Possible Value Trap. The stock's GF Value™ is ₹80.42, compared to a current price of ₹49.00 — trading 39.1% below its estimated fair value. The current ROCE % is 3.70% and 4.5% above the Credit Services industry median of 3.54. Real Touch Finance's overall GF Score™ is 85/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Real Touch Finance (BOM:538611), the current ROCE % is 3.70% as of Mar. 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.

Is Real Touch Finance (BOM:538611) Overvalued in 2026?

Based on GuruFocus' analysis, Real Touch Finance stock appears to be undervalued. The current stock price of ₹49.00 is trading 39.1% below its estimated GF Value™ of ₹80.42. GuruFocus considers Real Touch Finance to be Possible Value Trap.

Key valuation signals for BOM:538611:

ROCE %: 3.70%
GF Value™: ₹80.42 vs. price of ₹49.00 (39.1% below fair value)
GF Score™: 85/100 with 6 warning signs
Industry Position: 4.5% above the Credit Services median

No single metric tells the full story. See the BOM:538611 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Real Touch Finance Business Description

Industry Financial Services Credit Services

Comparable Companies BOM:539552 BOM:530789 BOM:509053 BOM:539198 BOM:540268 BOM:512048 BOM:540481 BOM:530557 BOM:538860 BOM:511577 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Address No.480 Anna Salai, 1st Street, 3rd Floor, Khivraj Complex - I, Nandanam, Chennai, TN, IND, 600035

Website https://www.realtouchfinance.com

Real Touch Finance Ltd is a non-banking finance company. The Company is engaged in providing loans for business purposes against property mortgage, financial institutions lending and personal loans. The company operates in India and derives primary revenue from the interest income.

85GF Score

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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹49.00

Price

₹80.42

GF Value

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