Reliance Capital Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 25, 2025, 4:28 am

Market Cap	312 Cr.
Current Price	12.4
High / Low	/
Stock P/E	0.58
Book Value	416
Dividend Yield	0.00 %
ROCE	8.16 %
ROE	%
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Reliance Capital Ltd

Competitors of Reliance Capital Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
MKVentures Capital Ltd	609 Cr.	1,584	2,800/1,151	29.6	267	0.06 %	20.6 %	33.6 %	10.0
Modern Shares & Stockbrokers Ltd	12.8 Cr.	43.7	69.4/39.5	36.6	43.9	0.00 %	4.33 %	3.24 %	10.0
Monarch Networth Capital Ltd	2,582 Cr.	330	501/226	16.6	93.0	0.15 %	51.8 %	43.4 %	10.0
Monotype India Ltd	55.5 Cr.	0.79	2.42/0.67	6.95	0.13	0.00 %	438 %	%	1.00
Multipurpose Trading & Agencies Ltd	4.92 Cr.	9.95	13.3/7.93	25.9	10.2	0.00 %	4.44 %	3.91 %	10.0
Industry Average	6,429.10 Cr	1,437.10		89.57	5,265.37	0.34%	18.78%	17.28%	7.38

All Competitor Stocks of Reliance Capital Ltd

Quarterly Result

Metric	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Sales	5,993	4,076	4,763	3,596	5,796	5,218	4,427	5,957	6,393	6,098	5,800	6,517	7,343
Expenses	6,411	5,230	8,674	3,766	5,712	5,167	5,914	5,535	6,644	5,879	5,756	6,167	6,923
Operating Profit	-418	-1,154	-3,911	-170	84	51	-1,487	423	-251	218	45	350	419
OPM %	-7%	-28%	-82%	-5%	1%	1%	-34%	7%	-4%	4%	1%	5%	6%
Other Income	8	7	113	13	251	9	9	47	30	20	109	14	17
Interest	677	563	278	271	15	6	8	-1	8	22	9	13	13
Depreciation	28	28	30	30	31	28	27	26	27	29	32	30	30
Profit before tax	-1,115	-1,738	-4,106	-458	290	27	-1,513	444	-256	187	112	321	393
Tax %	4%	1%	1%	7%	26%	41%	-1%	2%	-7%	57%	-48%	15%	21%
Net Profit	-1,156	-1,759	-4,132	-491	215	16	-1,499	434	-239	81	166	272	309
EPS in Rs	-47.07	-70.16	-165.03	-18.27	7.38	-0.03	-59.46	15.60	-10.40	1.56	2.44	8.36	9.02

Last Updated: February 28, 2025, 6:18 pm

Below is a detailed analysis of the quarterly data for Reliance Capital Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Sales, as of Sep 2024, the value is 7,343.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,517.00 Cr. (Jun 2024) to 7,343.00 Cr., marking an increase of 826.00 Cr..
For Expenses, as of Sep 2024, the value is 6,923.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,167.00 Cr. (Jun 2024) to 6,923.00 Cr., marking an increase of 756.00 Cr..
For Operating Profit, as of Sep 2024, the value is 419.00 Cr.. The value appears strong and on an upward trend. It has increased from 350.00 Cr. (Jun 2024) to 419.00 Cr., marking an increase of 69.00 Cr..
For OPM %, as of Sep 2024, the value is 6.00%. The value appears strong and on an upward trend. It has increased from 5.00% (Jun 2024) to 6.00%, marking an increase of 1.00%.
For Other Income, as of Sep 2024, the value is 17.00 Cr.. The value appears strong and on an upward trend. It has increased from 14.00 Cr. (Jun 2024) to 17.00 Cr., marking an increase of 3.00 Cr..
For Interest, as of Sep 2024, the value is 13.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2024) which recorded 13.00 Cr..
For Depreciation, as of Sep 2024, the value is 30.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2024) which recorded 30.00 Cr..
For Profit before tax, as of Sep 2024, the value is 393.00 Cr.. The value appears strong and on an upward trend. It has increased from 321.00 Cr. (Jun 2024) to 393.00 Cr., marking an increase of 72.00 Cr..
For Tax %, as of Sep 2024, the value is 21.00%. The value appears to be increasing, which may not be favorable. It has increased from 15.00% (Jun 2024) to 21.00%, marking an increase of 6.00%.
For Net Profit, as of Sep 2024, the value is 309.00 Cr.. The value appears strong and on an upward trend. It has increased from 272.00 Cr. (Jun 2024) to 309.00 Cr., marking an increase of 37.00 Cr..
For EPS in Rs, as of Sep 2024, the value is 9.02. The value appears strong and on an upward trend. It has increased from 8.36 (Jun 2024) to 9.02, marking an increase of 0.66.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:26 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	7,448	7,467	8,900	9,941	17,507	18,725	20,453	18,327	19,251	19,272	19,037	24,247	25,758
Expenses	4,283	4,128	4,982	5,368	12,901	18,851	17,346	20,364	25,550	24,878	20,522	23,764	24,726
Operating Profit	3,165	3,339	3,918	4,573	4,606	-126	3,107	-2,037	-6,299	-5,607	-1,486	484	1,032
OPM %	42%	45%	44%	46%	26%	-1%	15%	-11%	-33%	-29%	-8%	2%	4%
Other Income	69	77	74	57	133	158	225	4,931	58	30	281	206	160
Interest	2,348	2,508	2,648	2,828	3,084	4,112	4,541	3,994	2,768	2,218	334	88	58
Depreciation	56	61	68	70	116	94	123	123	105	112	116	114	121
Profit before tax	830	847	1,276	1,732	1,539	-4,174	-1,332	-1,223	-9,114	-7,908	-1,654	487	1,013
Tax %	15%	19%	18%	22%	19%	9%	9%	-2%	2%	2%	6%	9%
Net Profit	874	844	1,131	1,265	1,248	-4,556	-1,454	-1,199	-9,287	-8,055	-1,759	442	827
EPS in Rs	33.06	30.42	39.63	43.59	42.99	-183.38	-59.87	-42.54	-372.10	-321.15	-70.38	9.20	21.38
Dividend Payout %	45%	36%	23%	23%	24%	-6%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-3.43%	34.00%	11.85%	-1.34%	-465.06%	68.09%	17.54%	-674.56%	13.27%	78.16%	125.13%
Change in YoY Net Profit Growth (%)	0.00%	37.44%	-22.16%	-13.19%	-463.72%	533.15%	-50.55%	-692.10%	687.83%	64.90%	46.97%

Reliance Capital Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	13%
5 Years:	3%
3 Years:	8%
TTM:	17%

Compounded Profit Growth
10 Years:	-11%
5 Years:	17%
3 Years:	27%
TTM:	141%

Stock Price CAGR
10 Years:	-29%
5 Years:	12%
3 Years:	-10%
1 Year:	0%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 3:07 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	246	244	253	253	253	253	253	253	253	253	253	253	253
Reserves	11,725	12,147	13,071	13,890	15,081	760	-1,202	-2,547	-11,791	-20,073	-12,319	-11,381	-10,757
Borrowings	22,510	25,577	26,139	28,035	39,261	46,357	46,160	26,909	26,887	26,839	17,650	17,600	17,601
Other Liabilities	6,107	7,560	7,977	24,934	28,006	35,809	38,762	40,162	49,528	56,671	68,022	68,514	75,255
Total Liabilities	40,588	45,528	47,440	67,112	82,601	83,179	83,973	64,777	64,876	63,689	73,607	74,987	82,352
Fixed Assets	434	482	530	5,512	5,745	5,726	5,699	5,546	5,577	5,582	5,263	5,314	5,319
CWIP	5	1	2	3	3	34	18	19	20	15	16	24	5
Investments	15,087	16,157	15,881	25,279	34,652	33,300	32,672	34,594	39,755	44,014	48,524	56,688	60,644
Other Assets	25,062	28,888	31,027	36,318	42,201	44,119	45,584	24,618	19,524	14,078	19,803	12,961	16,384
Total Assets	40,588	45,528	47,440	67,112	82,601	83,179	83,973	64,777	64,876	63,689	73,607	74,987	82,352

Below is a detailed analysis of the balance sheet data for Reliance Capital Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹253.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 253.00 Cr..
For Reserves, as of Sep 2024, the value is ₹-10,757.00 Cr.. The value appears to be improving (becoming less negative). It has improved from -11,381.00 Cr. (Mar 2024) to ₹-10,757.00 Cr., marking an improvement of 624.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹17,601.00 Cr.. The value appears to be increasing, which may not be favorable. However, Reserves are negative, which is a major warning sign. It has increased from 17,600.00 Cr. (Mar 2024) to ₹17,601.00 Cr., marking an increase of 1.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹75,255.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 68,514.00 Cr. (Mar 2024) to ₹75,255.00 Cr., marking an increase of 6,741.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹82,352.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 74,987.00 Cr. (Mar 2024) to ₹82,352.00 Cr., marking an increase of 7,365.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹5,319.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,314.00 Cr. (Mar 2024) to ₹5,319.00 Cr., marking an increase of 5.00 Cr..
For CWIP, as of Sep 2024, the value is ₹5.00 Cr.. The value appears to be declining and may need further review. It has decreased from 24.00 Cr. (Mar 2024) to ₹5.00 Cr., marking a decrease of 19.00 Cr..
For Investments, as of Sep 2024, the value is ₹60,644.00 Cr.. The value appears strong and on an upward trend. It has increased from 56,688.00 Cr. (Mar 2024) to ₹60,644.00 Cr., marking an increase of 3,956.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹16,384.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,961.00 Cr. (Mar 2024) to ₹16,384.00 Cr., marking an increase of 3,423.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹82,352.00 Cr.. The value appears strong and on an upward trend. It has increased from 74,987.00 Cr. (Mar 2024) to ₹82,352.00 Cr., marking an increase of 7,365.00 Cr..

However, the Borrowings (17,601.00 Cr.) are higher than the Reserves (₹-10,757.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	291	1,471	-1,002	-225	-3,623	-6,123	-8,352	15,886	4,057	4,020	5,249	5,817
Cash from Investing Activity +	582	-213	2,144	2,992	-6,059	-580	5,127	3,156	-3,948	-3,350	-4,899	-5,678
Cash from Financing Activity +	-419	-276	-2,011	-1,246	10,535	7,419	-377	-19,251	-23	-48	-844	-46
Net Cash Flow	454	982	-869	1,521	853	716	-3,602	-209	87	622	-493	93

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-19.00	-22.00	-23.00	-24.00	-35.00	-172.00	-43.00	-28.00	-32.00	-31.00	-18.00	467.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	41	46	14	27	19	17	14	22	29	35	48	20
Inventory Days
Days Payable
Cash Conversion Cycle	41	46	14	27	19	17	14	22	29	35	48	20
Working Capital Days	-39	-120	-19	-157	-98	-548	-522	-599	-722	-862	-939	-824
ROCE %	10%	9%	10%	11%	9%	-0%	7%	8%	-31%	-48%	-19%	7%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	1.51%	1.51%	1.51%	1.51%	0.89%	0.89%	0.89%	0.89%	0.89%	0.89%	0.89%	0.89%
FIIs	0.43%	0.57%	0.85%	0.72%	0.72%	0.40%	0.14%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	3.07%	3.07%	3.08%	3.07%	3.07%	3.07%	3.07%	3.05%	3.05%	2.99%	2.99%	2.99%
Government	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%	0.02%
Public	94.34%	94.20%	93.91%	94.04%	94.67%	94.98%	95.25%	95.41%	95.41%	95.47%	95.47%	95.47%
Others	0.64%	0.64%	0.64%	0.64%	0.64%	0.64%	0.64%	0.63%	0.63%	0.63%	0.63%	0.63%
No. of Shareholders	7,75,704	7,83,622	7,89,806	7,91,576	7,88,477	7,87,114	7,83,442	7,73,276	7,65,720	7,57,370	7,48,998	7,48,682

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	17.59	-70.07	-320.80	-369.82	-47.79
Diluted EPS (Rs.)	17.59	-70.07	-320.80	-369.82	-47.79
Cash EPS (Rs.)	21.58	-65.12	-300.69	-332.73	-42.73
Book Value[Excl.RevalReserv]/Share (Rs.)	-392.17	-443.41	-751.23	-426.92	-66.13
Book Value[Incl.RevalReserv]/Share (Rs.)	-392.17	-443.41	-751.23	-426.92	-66.13
Revenue From Operations / Share (Rs.)	957.49	751.73	761.01	760.87	724.23
PBDIT / Share (Rs.)	24.90	-49.15	-208.41	-217.55	-80.51
PBIT / Share (Rs.)	20.39	-53.72	-212.85	-221.70	-85.38
PBT / Share (Rs.)	18.85	-65.55	-299.32	-330.04	-48.54
Net Profit / Share (Rs.)	17.06	-69.70	-305.12	-336.88	-47.59
NP After MI And SOA / Share (Rs.)	9.18	-70.23	-320.47	-371.70	-42.49
PBDIT Margin (%)	2.60	-6.53	-27.38	-28.59	-11.11
PBIT Margin (%)	2.12	-7.14	-27.96	-29.13	-11.78
PBT Margin (%)	1.96	-8.71	-39.33	-43.37	-6.70
Net Profit Margin (%)	1.78	-9.27	-40.09	-44.27	-6.57
NP After MI And SOA Margin (%)	0.95	-9.34	-42.11	-48.85	-5.86
Return on Networth / Equity (%)	-2.09	0.00	0.00	0.00	0.00
Return on Capital Employeed (%)	-7.05	-2.20	-347.85	-58.51	-11.75
Return On Assets (%)	0.31	-2.68	-12.74	-14.49	-1.65
Long Term Debt / Equity (X)	0.00	-1.36	-0.92	-1.59	-7.95
Total Debt / Equity (X)	-1.58	-1.46	-1.35	-2.33	-11.73
Asset Turnover Ratio (%)	0.34	0.29	0.00	0.01	0.02
Current Ratio (X)	0.83	12.81	0.92	1.06	1.25
Quick Ratio (X)	0.83	12.81	0.92	1.06	1.25
Interest Coverage Ratio (X)	16.26	-4.16	-2.41	-2.01	-0.51
Interest Coverage Ratio (Post Tax) (X)	12.14	-4.89	-2.53	-2.11	-0.53
Enterprise Value (Cr.)	0.00	17888.36	26486.24	26866.23	26705.60
EV / Net Operating Revenue (X)	0.00	0.93	1.37	1.40	1.46
EV / EBITDA (X)	0.00	-14.37	-5.02	-4.88	-13.11
MarketCap / Net Operating Revenue (X)	0.00	0.01	0.02	0.01	0.01
Price / BV (X)	0.00	-0.01	-0.02	-0.02	-0.04
Price / Net Operating Revenue (X)	0.00	0.01	0.02	0.01	0.01
EarningsYield	0.00	-8.76	-19.25	-34.54	-9.46

After reviewing the key financial ratios for Reliance Capital Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 17.59. This value is within the healthy range. It has increased from -70.07 (Mar 23) to 17.59, marking an increase of 87.66.
For Diluted EPS (Rs.), as of Mar 24, the value is 17.59. This value is within the healthy range. It has increased from -70.07 (Mar 23) to 17.59, marking an increase of 87.66.
For Cash EPS (Rs.), as of Mar 24, the value is 21.58. This value is within the healthy range. It has increased from -65.12 (Mar 23) to 21.58, marking an increase of 86.70.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is -392.17. It has increased from -443.41 (Mar 23) to -392.17, marking an increase of 51.24.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is -392.17. It has increased from -443.41 (Mar 23) to -392.17, marking an increase of 51.24.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 957.49. It has increased from 751.73 (Mar 23) to 957.49, marking an increase of 205.76.
For PBDIT / Share (Rs.), as of Mar 24, the value is 24.90. This value is within the healthy range. It has increased from -49.15 (Mar 23) to 24.90, marking an increase of 74.05.
For PBIT / Share (Rs.), as of Mar 24, the value is 20.39. This value is within the healthy range. It has increased from -53.72 (Mar 23) to 20.39, marking an increase of 74.11.
For PBT / Share (Rs.), as of Mar 24, the value is 18.85. This value is within the healthy range. It has increased from -65.55 (Mar 23) to 18.85, marking an increase of 84.40.
For Net Profit / Share (Rs.), as of Mar 24, the value is 17.06. This value is within the healthy range. It has increased from -69.70 (Mar 23) to 17.06, marking an increase of 86.76.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 9.18. This value is within the healthy range. It has increased from -70.23 (Mar 23) to 9.18, marking an increase of 79.41.
For PBDIT Margin (%), as of Mar 24, the value is 2.60. This value is below the healthy minimum of 10. It has increased from -6.53 (Mar 23) to 2.60, marking an increase of 9.13.
For PBIT Margin (%), as of Mar 24, the value is 2.12. This value is below the healthy minimum of 10. It has increased from -7.14 (Mar 23) to 2.12, marking an increase of 9.26.
For PBT Margin (%), as of Mar 24, the value is 1.96. This value is below the healthy minimum of 10. It has increased from -8.71 (Mar 23) to 1.96, marking an increase of 10.67.
For Net Profit Margin (%), as of Mar 24, the value is 1.78. This value is below the healthy minimum of 5. It has increased from -9.27 (Mar 23) to 1.78, marking an increase of 11.05.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 0.95. This value is below the healthy minimum of 8. It has increased from -9.34 (Mar 23) to 0.95, marking an increase of 10.29.
For Return on Networth / Equity (%), as of Mar 24, the value is -2.09. This value is below the healthy minimum of 15. It has decreased from 0.00 (Mar 23) to -2.09, marking a decrease of 2.09.
For Return on Capital Employeed (%), as of Mar 24, the value is -7.05. This value is below the healthy minimum of 10. It has decreased from -2.20 (Mar 23) to -7.05, marking a decrease of 4.85.
For Return On Assets (%), as of Mar 24, the value is 0.31. This value is below the healthy minimum of 5. It has increased from -2.68 (Mar 23) to 0.31, marking an increase of 2.99.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has increased from -1.36 (Mar 23) to 0.00, marking an increase of 1.36.
For Total Debt / Equity (X), as of Mar 24, the value is -1.58. This value is within the healthy range. It has decreased from -1.46 (Mar 23) to -1.58, marking a decrease of 0.12.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.34. It has increased from 0.29 (Mar 23) to 0.34, marking an increase of 0.05.
For Current Ratio (X), as of Mar 24, the value is 0.83. This value is below the healthy minimum of 1.5. It has decreased from 12.81 (Mar 23) to 0.83, marking a decrease of 11.98.
For Quick Ratio (X), as of Mar 24, the value is 0.83. This value is below the healthy minimum of 1. It has decreased from 12.81 (Mar 23) to 0.83, marking a decrease of 11.98.
For Interest Coverage Ratio (X), as of Mar 24, the value is 16.26. This value is within the healthy range. It has increased from -4.16 (Mar 23) to 16.26, marking an increase of 20.42.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 12.14. This value is within the healthy range. It has increased from -4.89 (Mar 23) to 12.14, marking an increase of 17.03.
For Enterprise Value (Cr.), as of Mar 24, the value is 0.00. It has decreased from 17,888.36 (Mar 23) to 0.00, marking a decrease of 17,888.36.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 0.93 (Mar 23) to 0.00, marking a decrease of 0.93.
For EV / EBITDA (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 5. It has increased from -14.37 (Mar 23) to 0.00, marking an increase of 14.37.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 0.01 (Mar 23) to 0.00, marking a decrease of 0.01.
For Price / BV (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 1. It has increased from -0.01 (Mar 23) to 0.00, marking an increase of 0.01.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 0.01 (Mar 23) to 0.00, marking a decrease of 0.01.
For EarningsYield, as of Mar 24, the value is 0.00. This value is below the healthy minimum of 5. It has increased from -8.76 (Mar 23) to 0.00, marking an increase of 8.76.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Reliance Capital Ltd as of April 25, 2025 is: 29.53

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 25, 2025, Reliance Capital Ltd is Undervalued by 138.15% compared to the current share price 12.40

Default values used*: Default value of 15% for ROE is used

Intrinsic Value of Reliance Capital Ltd as of April 25, 2025 is: 97.60

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 25, 2025, Reliance Capital Ltd is Undervalued by 687.10% compared to the current share price 12.40

Default values used*: Default value of 15% for ROE is used

Last 5 Year EPS CAGR: 230.53%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Working Capital Days of -454.08, which is a positive sign. The company has shown consistent growth in sales (16.15 cr) and profit (165.00 cr) over the years.	The stock has a low average ROCE of -2.25%, which may not be favorable. The stock has a high average Cash Conversion Cycle of 27.67, which may not be favorable. The company has higher borrowings (28,271.15) compared to reserves (-261.23), which may suggest financial risk.

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 Reliance Capital Ltd:
1. Net Profit Margin: 1.78%
  - 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.
2. ROCE: -7.05% (Industry Average ROCE: 18.78%)
  - 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.
3. ROE%: -2.09% (Industry Average ROE: 17.28%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 12.14
  - 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.
5. Quick Ratio: 0.83
  - 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.
6. Stock P/E: 0.58 (Industry average Stock P/E: 89.57)
  - 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.
7. Total Debt / Equity: -1.58
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

No data availabale for About the Company

INDUSTRY	ADDRESS	CONTACT
Industry not found	Address not found	Contact not found

Management Data not Available

FAQ

What is the intrinsic value of Reliance Capital Ltd?

Reliance Capital Ltd's intrinsic value (as of 13 April 2025) is ₹29.53 — 138.15% higher the current market price of 12.40, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 312 Cr. market cap, FY2025-2026 high/low of ₹/, reserves of -10,757 Cr, and liabilities of 82,352 Cr.

What is the Market Cap of Reliance Capital Ltd?

The Market Cap of Reliance Capital Ltd is 312 Cr..

What is the current Stock Price of Reliance Capital Ltd as on 13 April 2025?

The current stock price of Reliance Capital Ltd as on 13 April 2025 is 12.4.

What is the High / Low of Reliance Capital Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Reliance Capital Ltd stocks is ₹/.

What is the Stock P/E of Reliance Capital Ltd?

The Stock P/E of Reliance Capital Ltd is 0.58.

What is the Book Value of Reliance Capital Ltd?

The Book Value of Reliance Capital Ltd is 416.

What is the Dividend Yield of Reliance Capital Ltd?

The Dividend Yield of Reliance Capital Ltd is 0.00 %.

What is the ROCE of Reliance Capital Ltd?

The ROCE of Reliance Capital Ltd is 8.16 %.

What is the ROE of Reliance Capital Ltd?

The ROE of Reliance Capital Ltd is %.

What is the Face Value of Reliance Capital Ltd?

The Face Value of Reliance Capital Ltd is 10.0.