Share Price and Basic Stock Data
Last Updated: November 14, 2025, 10:03 pm
| PEG Ratio | 0.69 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
REC Ltd operates in the private sector finance industry, focusing primarily on providing loans to the power sector. As of the latest data, the company’s stock price stood at ₹325, with a market capitalization of ₹19,941 Cr. REC Ltd reported a significant increase in revenue, which rose from ₹8,176 Cr in FY 2022 to ₹9,677 Cr in FY 2023, reflecting a year-on-year growth of approximately 18.3%. Looking ahead, revenue continued to trend upwards, reaching ₹12,394 Cr in FY 2024 and ₹14,039 Cr in FY 2025, indicating a robust growth trajectory. Quarterly revenue figures also showcased consistent growth, with revenue increasing from ₹2,089 Cr in June 2022 to ₹3,339 Cr in March 2024. Such growth can be attributed to REC’s strategic focus on financing projects in the renewable energy sector, which is gaining traction in India. Additionally, the company’s interest income has shown a healthy rise, reflecting its effective asset management strategies.
Profitability and Efficiency Metrics
REC Ltd’s profitability metrics present a mixed picture. The net profit for FY 2025 stood at ₹695 Cr, a decline from ₹1,168 Cr in FY 2024, indicating a decrease in profitability. The company reported a net profit margin of 5.10% in FY 2025, down from 10.16% in FY 2024. Additionally, the return on equity (ROE) was reported at 4.57%, which is relatively low compared to typical sector averages of 10-15%. The company’s financing profit, which reflects the profitability of its lending operations, showed a concerning trend, declining to -₹2,919 Cr in FY 2025 from -₹1,576 Cr in FY 2024. This suggests challenges in maintaining a healthy financing margin, which stood at -21% in FY 2025. The gross non-performing asset (NPA) ratio improved to 2.60% by March 2025, down from 3.37% in March 2023, indicating effective asset quality management. Overall, while REC Ltd is growing its revenue, its profitability and efficiency metrics indicate areas requiring attention.
Balance Sheet Strength and Financial Ratios
REC Ltd’s balance sheet reflects a strong capital structure, with total assets reported at ₹146,725 Cr as of March 2025. The company’s reserves have also increased significantly to ₹14,999 Cr, which supports its lending capacity. The equity capital stood at ₹608 Cr, with a book value per share of ₹257.77, indicating solid equity backing for its operations. The company reported a price-to-book value ratio of 0.67, suggesting that the market may be undervaluing its assets relative to its equity. However, the cost-to-income ratio was reported at 64.32%, which is on the higher side compared to typical sector benchmarks, indicating potential inefficiencies in managing operational costs. The net interest margin, a critical measure of profitability, was reported at 4.40, reflecting REC’s ability to generate income from its lending activities. Overall, while the balance sheet shows strength in capital and reserves, efficiency in cost management remains a concern.
Shareholding Pattern and Investor Confidence
REC Ltd’s shareholding pattern indicates a diversified investor base, with foreign institutional investors (FIIs) holding 17.56% and domestic institutional investors (DIIs) holding 34.37% of the equity as of June 2025. The public holds 47.67%, reflecting a broad interest in the company’s shares. Over the past quarters, there has been a notable increase in DII participation, which rose from 13.83% in September 2022 to 34.37% in June 2025, signaling growing confidence among domestic institutional players. However, FII holdings have fluctuated, peaking at 30% in September 2023 before declining. This volatility may raise questions about international investor sentiment towards REC Ltd. The number of shareholders also decreased from 4,94,291 in September 2022 to 3,86,691 in June 2025, indicating potential consolidation among retail investors. Overall, the shareholding pattern reflects a mix of confidence and caution among investors.
Outlook, Risks, and Final Insight
REC Ltd’s outlook hinges on its ability to navigate challenges in profitability while capitalizing on growth opportunities in the renewable energy sector. The company’s commitment to financing infrastructure projects aligns with national priorities, potentially driving future growth. However, risks include the declining net profit margin and the substantial financing losses reported, which could impact investor sentiment and operational sustainability. Additionally, the company’s relatively low ROE compared to industry standards may deter potential investors. Another risk factor is the fluctuation in the shareholding pattern, particularly among FIIs, which could affect stock price stability. If REC can improve its operational efficiency and maintain asset quality, it may strengthen its market position. Conversely, failure to address profitability concerns could lead to a challenging environment. Overall, REC Ltd’s strategic initiatives and market positioning will be pivotal in determining its future trajectory.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of REC Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,368 Cr. | 285 | 372/180 | 29.5 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,391 Cr. | 26.9 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,219 Cr. | 269 | 331/250 | 9.01 | 307 | 1.49 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 70,595 Cr. | 22.5 | 24.3/16.0 | 24.9 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,046 Cr. | 51.8 | 54.6/30.8 | 24.1 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,680.57 Cr | 413.41 | 18.38 | 239.71 | 0.61% | 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: November 15, 2025, 4:34 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: November 9, 2025, 2:49 pm
| 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 - No data available for this post.
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 | 19,673,977 | 2.73 | 472.77 | 19,673,977 | 2025-04-22 17:25:21 | 0% |
| Nippon India Small Cap Fund | 7,290,321 | 0.38 | 175.19 | 7,290,321 | 2025-04-22 17:25:21 | 0% |
| Nippon India Arbitrage Fund | 4,040,000 | 0.7 | 97.08 | 4,040,000 | 2025-04-22 17:25:21 | 0% |
| Invesco India Arbitrage Fund | 4,015,000 | 0.66 | 96.48 | 4,015,000 | 2025-04-22 17:25:21 | 0% |
| Aditya Birla Sun Life Pure Value Fund | 3,450,734 | 1.46 | 82.92 | 3,450,734 | 2025-04-22 17:25:21 | 0% |
| Quant ELSS Tax Saver Fund | 3,100,000 | 0.89 | 74.49 | 3,100,000 | 2025-04-22 02:17:08 | 0% |
| Axis Arbitrage Fund | 2,885,000 | 1.76 | 69.33 | 2,885,000 | 2025-04-22 17:25:21 | 0% |
| Edelweiss Arbitrage Fund | 2,182,500 | 0.57 | 52.45 | 2,182,500 | 2025-04-22 17:25:21 | 0% |
| Aditya Birla Sun Life Banking And Financial Services Fund | 2,129,676 | 1.71 | 51.18 | 2,129,676 | 2025-04-22 17:25:21 | 0% |
| Baroda BNP Paribas Balanced Advantage Fund | 1,850,000 | 1.17 | 44.46 | 1,850,000 | 2025-04-22 17:25:21 | 0% |
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
Unable to fetch valid data for stock valuation.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: 40.7 (Industry average Stock P/E: 18.38)
- 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 | investorgrievances@rblbank.com http://www.rblbank.com |
| 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 14 November 2025) is 386.58 which is 21.18% higher the current market price of 319.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 19,564 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 19,564 Cr..
What is the current Stock Price of REC Ltd as on 14 November 2025?
The current stock price of REC Ltd as on 14 November 2025 is 319.
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 40.7.
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 0.31 %.
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.