Share Price and Basic Stock Data
Last Updated: December 25, 2025, 3:22 am
| PEG Ratio | 0.67 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
REC Ltd, a prominent player in the private sector finance industry, reported a market capitalization of ₹18,886 Cr and a current share price of ₹306. Over the last few quarters, the company has shown a consistent upward trajectory in revenue, with figures rising from ₹2,089 Cr in June 2022 to ₹3,008 Cr by September 2023. This growth reflects a robust demand for financing solutions, which is pivotal for the company’s core operations. Annual revenues have also witnessed a significant increase, from ₹8,176 Cr in March 2022 to ₹9,677 Cr in March 2023, and further projected to reach ₹14,039 Cr by March 2025. This upward trend underscores REC Ltd’s ability to capture market opportunities amidst an evolving financial landscape. The company’s revenue growth can be attributed to an expanding portfolio and effective management strategies, positioning it favorably against sector rivals.
Profitability and Efficiency Metrics
REC Ltd’s profitability has shown mixed results, with a net profit of ₹480 Cr reported for the latest fiscal year. The net profit margin stood at 5.10% in March 2025, reflecting a decline compared to 10.16% in the previous year. This drop is concerning, especially given the high operational expenses recorded, which amounted to ₹9,382 Cr in March 2025. The financing profit has been negative, reported at ₹-2,919 Cr for the same period, highlighting challenges in controlling interest expenses, which reached ₹7,576 Cr. Efficiency metrics also indicate areas for improvement, with a return on equity (ROE) of 4.57% and return on capital employed (ROCE) at 6.04%, both below competitive benchmarks in the finance sector. The financing margin percentage has remained negative, indicating the need for strategic adjustments to enhance profitability.
Balance Sheet Strength and Financial Ratios
REC Ltd’s balance sheet reflects a resilient structure, with total assets reported at ₹146,725 Cr and total liabilities at ₹138,432 Cr as of March 2025. The company’s reserves increased to ₹14,999 Cr, providing a buffer for future growth and stability. The debt levels, while significant, are manageable with borrowings recorded at ₹13,734 Cr, indicating a prudent approach to leveraging. Financial ratios also present a mixed picture; the price-to-earnings (P/E) ratio is at 39.3, suggesting that the stock may be overvalued relative to earnings. The current ratio, while not explicitly stated, reflects a balance that could support short-term obligations. The price-to-book value ratio of 0.67 indicates that the stock is trading at a discount to its book value, potentially appealing to value investors. However, the cost-to-income ratio of 64.32% raises concerns about operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of REC Ltd reveals a diverse ownership structure, with foreign institutional investors (FIIs) holding 15.49% and domestic institutional investors (DIIs) at 35.28%. The public holds 48.85% of the shares, indicating a healthy level of retail investor participation. Over recent quarters, DIIs have notably increased their stake from 19.85% in December 2022 to 35.28% by September 2025, reflecting growing confidence in the company’s strategic direction and performance. Conversely, FIIs have seen fluctuations in their holdings, peaking at 30% in September 2023 before declining. This variability may suggest a cautious approach towards the stock amidst its profitability challenges. The total number of shareholders has decreased from 4,16,592 in December 2022 to 3,47,292, indicating potential consolidation among investors as they reassess their positions.
Outlook, Risks, and Final Insight
The outlook for REC Ltd hinges on its ability to address profitability challenges while maintaining revenue growth. The positive revenue trajectory suggests potential for future improvements, but risks such as rising interest expenses and operational inefficiencies remain critical concerns. The company’s reliance on borrowed funds necessitates careful management of interest rates, particularly in a fluctuating economic environment. Moreover, the decline in net profit margin indicates that without strategic shifts, REC Ltd may struggle to enhance shareholder value. Potential scenarios include a successful implementation of cost-control measures and interest rate management, which could lead to improved margins and investor confidence. Conversely, continued operational inefficiencies and rising costs could impede growth prospects, making it essential for the management to focus on sustainable strategies for profitability enhancement.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,130 Cr. | 256 | 345/180 | 26.6 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,352 Cr. | 26.2 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,195 Cr. | 263 | 331/250 | 8.84 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,058 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,274 Cr. | 53.0 | 56.3/30.8 | 24.6 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,685.52 Cr | 416.70 | 18.37 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,089 | 2,286 | 2,498 | 2,642 | 2,856 | 3,008 | 3,191 | 3,339 | 3,496 | 3,531 | 3,536 | 3,476 | 3,441 |
| Interest | 1,062 | 1,111 | 1,220 | 1,285 | 1,434 | 1,533 | 1,646 | 1,739 | 1,796 | 1,916 | 1,951 | 1,913 | 1,960 |
| Expenses | 1,365 | 1,487 | 1,621 | 1,672 | 1,726 | 2,089 | 2,016 | 2,002 | 2,013 | 2,251 | 2,851 | 2,487 | 2,290 |
| Financing Profit | -337 | -312 | -344 | -315 | -304 | -614 | -470 | -402 | -313 | -636 | -1,266 | -924 | -809 |
| Financing Margin % | -16% | -14% | -14% | -12% | -11% | -20% | -15% | -12% | -9% | -18% | -36% | -27% | -24% |
| Other Income | 614 | 583 | 618 | 674 | 685 | 704 | 778 | 875 | 805 | 927 | 1,073 | 1,000 | 1,069 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 276 | 271 | 274 | 359 | 381 | 91 | 307 | 473 | 493 | 292 | -192 | 76 | 261 |
| Tax % | 27% | 26% | 24% | 25% | 24% | -224% | 24% | 25% | 25% | 24% | -117% | 10% | 23% |
| Net Profit | 201 | 202 | 209 | 271 | 288 | 294 | 233 | 353 | 372 | 223 | 33 | 69 | 200 |
| EPS in Rs | 3.36 | 3.36 | 3.49 | 4.52 | 4.80 | 4.89 | 3.87 | 5.83 | 6.13 | 3.66 | 0.54 | 1.13 | 3.29 |
| Gross NPA % | 4.08% | 3.80% | 3.61% | 3.37% | 3.22% | 3.12% | 3.12% | 2.65% | 2.69% | 2.88% | 2.92% | 2.60% | 2.78% |
| Net NPA % | 1.16% | 1.26% | 1.18% | 1.10% | 1.00% | 0.78% | 0.80% | 0.74% | 0.74% | 0.79% | 0.53% | 0.29% | 0.45% |
Last Updated: August 1, 2025, 1:20 pm
Below is a detailed analysis of the quarterly data for REC Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,960.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,913.00 Cr. (Mar 2025) to 1,960.00 Cr., marking an increase of 47.00 Cr..
- For Expenses, as of Jun 2025, the value is 2,290.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,487.00 Cr. (Mar 2025) to 2,290.00 Cr., marking a decrease of 197.00 Cr..
- For Other Income, as of Jun 2025, the value is 1,069.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,000.00 Cr. (Mar 2025) to 1,069.00 Cr., marking an increase of 69.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 261.00 Cr.. The value appears strong and on an upward trend. It has increased from 76.00 Cr. (Mar 2025) to 261.00 Cr., marking an increase of 185.00 Cr..
- For Tax %, as of Jun 2025, the value is 23.00%. The value appears to be increasing, which may not be favorable. It has increased from 10.00% (Mar 2025) to 23.00%, marking an increase of 13.00%.
- For Net Profit, as of Jun 2025, the value is 200.00 Cr.. The value appears strong and on an upward trend. It has increased from 69.00 Cr. (Mar 2025) to 200.00 Cr., marking an increase of 131.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 3.29. The value appears strong and on an upward trend. It has increased from 1.13 (Mar 2025) to 3.29, marking an increase of 2.16.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:44 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,352 | 1,953 | 2,744 | 3,713 | 4,508 | 6,301 | 8,514 | 8,329 | 8,176 | 9,677 | 12,394 | 14,039 | 13,960 |
| Interest | 1,010 | 1,397 | 1,925 | 2,492 | 2,741 | 3,761 | 4,885 | 4,541 | 4,149 | 4,678 | 6,351 | 7,576 | 7,781 |
| Expenses | 449 | 627 | 833 | 1,234 | 1,781 | 2,561 | 4,649 | 4,824 | 6,318 | 6,111 | 7,619 | 9,382 | 9,882 |
| Financing Profit | -108 | -70 | -14 | -12 | -15 | -21 | -1,019 | -1,037 | -2,292 | -1,113 | -1,576 | -2,919 | -3,702 |
| Financing Margin % | -8% | -4% | -1% | -0% | -0% | -0% | -12% | -12% | -28% | -12% | -13% | -21% | -27% |
| Other Income | 261 | 403 | 491 | 755 | 1,068 | 1,442 | 1,910 | 1,884 | 2,341 | 2,489 | 3,043 | 3,806 | 4,076 |
| Depreciation | 21 | 33 | 48 | 62 | 87 | 122 | 138 | 158 | 164 | 196 | 215 | 219 | 0 |
| Profit before tax | 133 | 300 | 428 | 681 | 967 | 1,299 | 753 | 689 | -115 | 1,180 | 1,252 | 668 | 373 |
| Tax % | 30% | 31% | 32% | 35% | 34% | 33% | 33% | 26% | -35% | 25% | 7% | -4% | |
| Net Profit | 93 | 207 | 292 | 446 | 635 | 867 | 506 | 508 | -75 | 883 | 1,168 | 695 | 480 |
| EPS in Rs | 3.41 | 7.06 | 9.01 | 11.89 | 15.13 | 20.32 | 9.94 | 8.49 | -1.25 | 14.72 | 19.30 | 11.44 | 7.87 |
| Dividend Payout % | 26% | 17% | 17% | 15% | 14% | 13% | 15% | 0% | 0% | 10% | 8% | 9% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 122.58% | 41.06% | 52.74% | 42.38% | 36.54% | -41.64% | 0.40% | -114.76% | 1277.33% | 32.28% | -40.50% |
| Change in YoY Net Profit Growth (%) | 0.00% | -81.52% | 11.68% | -10.36% | -5.84% | -78.17% | 42.03% | -115.16% | 1392.10% | -1245.06% | -72.77% |
REC Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 22% |
| 5 Years: | 11% |
| 3 Years: | 20% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 7% |
| 3 Years: | 124% |
| TTM: | -58% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 7% |
| 3 Years: | 29% |
| 1 Year: | 23% |
| Return on Equity | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 5% |
| 3 Years: | 6% |
| Last Year: | 5% |
Last Updated: September 5, 2025, 1:00 pm
Balance Sheet
Last Updated: December 4, 2025, 1:53 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 272 | 293 | 325 | 375 | 420 | 427 | 509 | 598 | 600 | 600 | 605 | 608 | 613 |
| Reserves | 1,742 | 1,936 | 2,664 | 3,960 | 6,264 | 7,121 | 10,074 | 12,065 | 12,019 | 12,977 | 14,191 | 14,999 | 15,247 |
| Deposits | 11,599 | 17,099 | 24,349 | 34,588 | 43,902 | 58,394 | 57,812 | 73,121 | 79,007 | 84,887 | 103,494 | 110,944 | 116,667 |
| Borrowing | 3,896 | 6,963 | 10,536 | 7,980 | 9,261 | 11,832 | 17,007 | 11,226 | 11,093 | 13,331 | 14,184 | 13,734 | 15,224 |
| Other Liabilities | 689 | 812 | 1,287 | 1,771 | 2,003 | 2,585 | 3,576 | 3,641 | 3,491 | 4,082 | 5,958 | 6,441 | 6,236 |
| Total Liabilities | 18,197 | 27,104 | 39,161 | 48,675 | 61,851 | 80,359 | 88,978 | 100,651 | 106,209 | 115,876 | 138,432 | 146,725 | 153,988 |
| Fixed Assets | 110 | 153 | 158 | 224 | 303 | 363 | 408 | 442 | 467 | 529 | 525 | 570 | 544 |
| CWIP | 23 | 10 | 19 | 35 | 31 | 40 | 62 | 24 | 82 | 45 | 7 | 7 | 0 |
| Investments | 6,477 | 9,792 | 14,436 | 13,482 | 15,448 | 16,840 | 18,150 | 23,230 | 22,274 | 28,875 | 29,576 | 32,165 | 28,814 |
| Other Assets | 11,587 | 17,148 | 24,548 | 34,934 | 46,069 | 63,116 | 70,358 | 76,954 | 83,386 | 86,427 | 108,324 | 113,984 | 124,630 |
| Total Assets | 18,197 | 27,104 | 39,161 | 48,675 | 61,851 | 80,359 | 88,978 | 100,651 | 106,209 | 115,876 | 138,432 | 146,725 | 153,988 |
Below is a detailed analysis of the balance sheet data for REC Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 613.00 Cr.. The value appears strong and on an upward trend. It has increased from 608.00 Cr. (Mar 2025) to 613.00 Cr., marking an increase of 5.00 Cr..
- For Reserves, as of Sep 2025, the value is 15,247.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,999.00 Cr. (Mar 2025) to 15,247.00 Cr., marking an increase of 248.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 6,236.00 Cr.. The value appears to be improving (decreasing). It has decreased from 6,441.00 Cr. (Mar 2025) to 6,236.00 Cr., marking a decrease of 205.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 153,988.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 146,725.00 Cr. (Mar 2025) to 153,988.00 Cr., marking an increase of 7,263.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 544.00 Cr.. The value appears to be declining and may need further review. It has decreased from 570.00 Cr. (Mar 2025) to 544.00 Cr., marking a decrease of 26.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 7.00 Cr..
- For Investments, as of Sep 2025, the value is 28,814.00 Cr.. The value appears to be declining and may need further review. It has decreased from 32,165.00 Cr. (Mar 2025) to 28,814.00 Cr., marking a decrease of 3,351.00 Cr..
- For Other Assets, as of Sep 2025, the value is 124,630.00 Cr.. The value appears strong and on an upward trend. It has increased from 113,984.00 Cr. (Mar 2025) to 124,630.00 Cr., marking an increase of 10,646.00 Cr..
- For Total Assets, as of Sep 2025, the value is 153,988.00 Cr.. The value appears strong and on an upward trend. It has increased from 146,725.00 Cr. (Mar 2025) to 153,988.00 Cr., marking an increase of 7,263.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 438.00 | 610.00 | 809.00 | -33.00 | -42.00 | -56.00 | -53.00 | -69.00 | -73.00 | -78.00 | -96.00 | -101.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 5% | 10% | 11% | 12% | 12% | 12% | 6% | 4% | -1% | 7% | 8% | 5% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Quant Small Cap Fund | 37,909,419 | 3.93 | 1184.29 | 19,673,977 | 2025-12-08 01:47:58 | 92.69% |
| Kotak Multicap Fund | 13,116,941 | 1.84 | 409.77 | N/A | N/A | N/A |
| Nippon India Small Cap Fund | 8,932,844 | 0.41 | 279.06 | 7,290,321 | 2025-12-08 01:47:58 | 22.53% |
| SBI Small Cap Fund | 7,892,021 | 0.68 | 246.55 | N/A | N/A | N/A |
| HSBC Midcap Fund | 5,352,298 | 1.33 | 167.21 | N/A | N/A | N/A |
| Franklin India Small Cap Fund | 4,959,814 | 1.15 | 154.94 | 5,850,000 | 2025-12-14 00:57:54 | -15.22% |
| HSBC Small Cap Fund | 4,937,200 | 0.95 | 154.24 | N/A | N/A | N/A |
| Tata Aggressive Hybrid Fund | 4,500,000 | 3.37 | 140.58 | N/A | N/A | N/A |
| Franklin India Opportunities Fund | 3,993,038 | 1.5 | 124.74 | N/A | N/A | N/A |
| Tata Arbitrage Fund | 3,305,175 | 0.51 | 103.25 | 3,006,725 | 2025-12-14 00:57:54 | 9.93% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 11.81 | 20.94 | 15.34 | -2.77 | 9.75 |
| Diluted EPS (Rs.) | 11.76 | 20.54 | 15.27 | -2.77 | 9.68 |
| Cash EPS (Rs.) | 15.68 | 24.70 | 18.89 | 0.23 | 11.69 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 257.77 | 245.20 | 225.58 | 209.00 | 211.79 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 257.77 | 245.21 | 225.59 | 209.01 | 211.80 |
| Operating Revenue / Share (Rs.) | 230.99 | 204.82 | 159.27 | 140.86 | 143.16 |
| Net Profit / Share (Rs.) | 11.80 | 20.82 | 15.34 | -2.77 | 8.85 |
| Net Profit After MI / Share (Rs.) | 11.80 | 20.82 | 15.34 | -2.77 | 8.85 |
| Net Profit Margin (%) | 5.10 | 10.16 | 9.62 | -1.96 | 6.18 |
| Net Profit After MI And SOA Nargin (%) | 5.10 | 10.16 | 9.62 | -1.96 | 6.18 |
| Operating Profit Margin (%) | 7.00 | 13.83 | 12.46 | -2.49 | 8.56 |
| Return On Assets (%) | 0.48 | 0.90 | 0.79 | -0.15 | 0.52 |
| Return On Equity / Networth (%) | 4.57 | 8.49 | 6.79 | -1.32 | 4.18 |
| Net Interest Margin (X) | 4.40 | 4.36 | 4.20 | 4.04 | 4.11 |
| Cost To Income (%) | 64.32 | 65.64 | 69.59 | 60.08 | 49.65 |
| Interest Income / Total Assets (%) | 9.56 | 8.95 | 8.24 | 7.95 | 8.50 |
| Non-Interest Income / Total Assets (%) | 2.57 | 2.21 | 2.16 | 2.21 | 2.03 |
| Operating Profit / Total Assets (%) | -2.08 | -1.30 | -1.37 | -2.37 | -1.50 |
| Operating Expenses / Total Assets (%) | 4.48 | 4.31 | 4.43 | 3.76 | 3.05 |
| Interest Expenses / Total Assets (%) | 5.16 | 4.58 | 4.04 | 3.90 | 4.39 |
| Enterprise Value (Rs.Cr.) | 124271.05 | 120104.23 | 100425.33 | 84792.71 | 89984.95 |
| EV Per Net Sales (X) | 8.85 | 9.69 | 10.52 | 10.04 | 10.51 |
| Price To Book Value (X) | 0.67 | 0.97 | 0.62 | 0.62 | 0.97 |
| Price To Sales (X) | 0.75 | 1.17 | 0.88 | 0.92 | 1.45 |
| Retention Ratios (%) | 87.31 | 92.85 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.06 | 0.08 | 0.10 | -0.02 | 0.04 |
After reviewing the key financial ratios for REC Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 11.81. This value is within the healthy range. It has decreased from 20.94 (Mar 24) to 11.81, marking a decrease of 9.13.
- For Diluted EPS (Rs.), as of Mar 25, the value is 11.76. This value is within the healthy range. It has decreased from 20.54 (Mar 24) to 11.76, marking a decrease of 8.78.
- For Cash EPS (Rs.), as of Mar 25, the value is 15.68. This value is within the healthy range. It has decreased from 24.70 (Mar 24) to 15.68, marking a decrease of 9.02.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 257.77. It has increased from 245.20 (Mar 24) to 257.77, marking an increase of 12.57.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 257.77. It has increased from 245.21 (Mar 24) to 257.77, marking an increase of 12.56.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 11.80. This value is within the healthy range. It has decreased from 20.82 (Mar 24) to 11.80, marking a decrease of 9.02.
- For Net Profit Margin (%), as of Mar 25, the value is 5.10. This value is within the healthy range. It has decreased from 10.16 (Mar 24) to 5.10, marking a decrease of 5.06.
- For Return On Assets (%), as of Mar 25, the value is 0.48. This value is below the healthy minimum of 5. It has decreased from 0.90 (Mar 24) to 0.48, marking a decrease of 0.42.
- For Retention Ratios (%), as of Mar 25, the value is 87.31. This value exceeds the healthy maximum of 70. It has decreased from 92.85 (Mar 24) to 87.31, marking a decrease of 5.54.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in REC Ltd:
- Net Profit Margin: 5.1%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 39.3 (Industry average Stock P/E: 18.37)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 5.1%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | 1st Lane, Shahupuri, Kolhapur Maharashtra 416001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Chandan Sinha | Non Exe. Ind. Part Time Chairman |
| Mr. R Subramaniakumar | Managing Director & CEO |
| Mr. Rajeev Ahuja | Executive Director |
| Ms. Veena Mankar | Non Exe.Non Ind.Director |
| Mr. Gopal Jain | Non Exe.Non Ind.Director |
| Dr. Sivakumar Gopalan | Ind. Non-Executive Director |
| Mr. Murali Ramakrishnan | Ind. Non-Executive Director |
| Dr. Somnath Ghosh | Ind. Non-Executive Director |
| Ms. Ranjana Agarwal | Ind. Non-Executive Director |
| Mr. Soma Sankara Prasad | Ind. Non-Executive Director |
| Mr. Manjeev Singh Puri | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of REC Ltd?
REC Ltd's intrinsic value (as of 24 December 2025) is 373.36 which is 22.01% higher the current market price of 306.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 18,876 Cr. market cap, FY2025-2026 high/low of 332/146, reserves of ₹15,247 Cr, and liabilities of 153,988 Cr.
What is the Market Cap of REC Ltd?
The Market Cap of REC Ltd is 18,876 Cr..
What is the current Stock Price of REC Ltd as on 24 December 2025?
The current stock price of REC Ltd as on 24 December 2025 is 306.
What is the High / Low of REC Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of REC Ltd stocks is 332/146.
What is the Stock P/E of REC Ltd?
The Stock P/E of REC Ltd is 39.3.
What is the Book Value of REC Ltd?
The Book Value of REC Ltd is 259.
What is the Dividend Yield of REC Ltd?
The Dividend Yield of REC Ltd is 0.33 %.
What is the ROCE of REC Ltd?
The ROCE of REC Ltd is 6.04 %.
What is the ROE of REC Ltd?
The ROE of REC Ltd is 4.57 %.
What is the Face Value of REC Ltd?
The Face Value of REC Ltd is 10.0.