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Reliance Capital Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹29.53Undervalued by 138.15%vs CMP ₹12.40

P/E (0.6) × ROE (15.0%) × BV (₹416.00) × DY (2.00%)

Defaults: ROE=15%

₹356.58Undervalued by 2,775.65%vs CMP ₹12.40
MoS: +96.5% (Strong)Confidence: 60/100 (Moderate)Models: All 6: Undervalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹97.6128%Under (+687.2%)
Graham NumberEarnings₹447.3421%Under (+3507.6%)
DCFCash Flow₹806.3917%Under (+6403.1%)
EV/EBITDAEnterprise₹237.6714%Under (+1816.7%)
Earnings YieldEarnings₹213.8011%Under (+1624.2%)
Revenue MultipleRevenue₹481.838%Under (+3785.7%)
Consensus (6 models)₹356.58100%Undervalued
Key Drivers: EPS CAGR 230.5% lifts DCF — verify sustainability. | Wide model spread (₹98–₹806) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 230.5% · Defaults: ROE=15%

*Investments are subject to market risks

Analyst Summary

Reliance Capital Ltd operates in the Finance & Investments segment, current market price is ₹12.40, market cap is 312 Cr.. At a glance, stock P/E is 0.58, ROE is %, ROCE is 8.16 %, book value is 416, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹356.58, which is about 2,775.6% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹24,247 Cr versus the prior period change of 27.4%, while latest net profit is about ₹442 Cr with a prior-period change of 125.1%. The 52-week range shown on this page is /, which helps frame where the current quote sits within its recent trading band. Business context: Fundamental Analysis of Reliance Capital LtdReliance Capital Ltd. is a Public Limited Listed company incorporated on 05/03/1986 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN)…

This summary is generated from the stock page data available for Reliance Capital Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

56
Reliance Capital Ltd scores 56/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health39/100 · Weak
ROCE 8.2% AverageROE 0.0% WeakD/E -11.73 Low debtInterest Coverage 0.0x RiskyProfitable 1/5 years Inconsistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 0.9% Stable
Earnings Quality65/100 · Strong
OPM expanding (-31% → -3%) Improving
Quarterly Momentum70/100 · Strong
Revenue (4Q): +17% YoY GrowingOPM: 6.0% (up 10.0% YoY) Margin expansion
Industry Rank60/100 · Moderate
P/E 0.6 vs industry 80.1 Cheaper than peersROCE 8.2% vs industry 10.9% Average3Y sales CAGR: 8% Slow

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

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

Market Cap 312 Cr.
Current Price 12.4
Intrinsic Value₹356.58
High / Low /
Stock P/E0.58
Book Value 416
Dividend Yield0.00 %
ROCE8.16 %
ROE%
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for Reliance Capital Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Reliance Capital Ltd 312 Cr. 12.4 /0.58 4160.00 %8.16 %% 10.0
Alacrity Securities Ltd 316 Cr. 67.7 79.3/42.950.9 19.80.00 %9.20 %6.42 % 10.0
Ascom Leasing & Investments Ltd 304 Cr. 259 285/90.057.8 47.00.00 %13.2 %10.0 % 10.0
Fundviser Capital (India) Ltd 293 Cr. 371 484/143666 73.80.00 %2.13 %1.18 % 10.0
Corporate Merchant Bankers Ltd 334 Cr. 52.6 414/41.7137 16.50.00 %2.68 %4.45 % 10.0
Industry Average6,974.16 Cr1,210.3280.133,649.360.40%10.86%11.57%7.23

All Competitor Stocks of Reliance Capital Ltd

Quarterly Result

MetricSep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Sales 5,9934,0764,7633,5965,7965,2184,4275,9576,3936,0985,8006,5177,343
Expenses 6,4115,2308,6743,7665,7125,1675,9145,5356,6445,8795,7566,1676,923
Operating Profit -418-1,154-3,911-1708451-1,487423-25121845350419
OPM % -7%-28%-82%-5%1%1%-34%7%-4%4%1%5%6%
Other Income 8711313251994730201091417
Interest 6775632782711568-182291313
Depreciation 28283030312827262729323030
Profit before tax -1,115-1,738-4,106-45829027-1,513444-256187112321393
Tax % 4%1%1%7%26%41%-1%2%-7%57%-48%15%21%
Net Profit -1,156-1,759-4,132-49121516-1,499434-23981166272309
EPS in Rs -47.07-70.16-165.03-18.277.38-0.03-59.4615.60-10.401.562.448.369.02

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: July 22, 2025, 3:20 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales 7,4487,4678,9009,94117,50718,72520,45318,32719,25119,27219,03724,24725,758
Expenses 4,2834,1284,9825,36812,90118,85117,34620,36425,55024,87820,52223,76424,726
Operating Profit 3,1653,3393,9184,5734,606-1263,107-2,037-6,299-5,607-1,4864841,032
OPM % 42%45%44%46%26%-1%15%-11%-33%-29%-8%2%4%
Other Income 697774571331582254,9315830281206160
Interest 2,3482,5082,6482,8283,0844,1124,5413,9942,7682,2183348858
Depreciation 5661687011694123123105112116114121
Profit before tax 8308471,2761,7321,539-4,174-1,332-1,223-9,114-7,908-1,6544871,013
Tax % 15%19%18%22%19%9%9%-2%2%2%6%9%
Net Profit 8748441,1311,2651,248-4,556-1,454-1,199-9,287-8,055-1,759442827
EPS in Rs 33.0630.4239.6343.5942.99-183.38-59.87-42.54-372.10-321.15-70.389.2021.38
Dividend Payout % 45%36%23%23%24%-6%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
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:139%
Stock Price CAGR
10 Years:-27%
5 Years:6%
3 Years:-10%
1 Year:%
Return on Equity
10 Years:%
5 Years:%
3 Years:%
Last Year:%

Last Updated: September 5, 2025, 11:25 am

No data available for the Balance Sheet data table.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity + 2911,471-1,002-225-3,623-6,123-8,35215,8864,0574,0205,2495,817
Cash from Investing Activity + 582-2132,1442,992-6,059-5805,1273,156-3,948-3,350-4,899-5,678
Cash from Financing Activity + -419-276-2,011-1,24610,5357,419-377-19,251-23-48-844-46
Net Cash Flow 454982-8691,521853716-3,602-20987622-49393
Free Cash Flow 4241,315-1,056-366-4,064-6,504-8,40815,9063,9203,9095,1565,656
CFO/OP 12%51%-20%2%-72%4,693%-267%-780%-64%-72%-358%1,223%

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days 414614271917142229354820
Inventory Days
Days Payable
Cash Conversion Cycle 414614271917142229354820
Working Capital Days -254-469-215-331-227-607-596-636-722-862-1,078-845
ROCE %10%9%10%11%9%-0%7%8%-31%-48%-19%8%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters 1.51%1.51%0.89%0.89%0.89%0.89%0.89%0.89%0.89%0.89%0.89%0.89%
FIIs 0.85%0.72%0.72%0.40%0.14%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
DIIs 3.08%3.07%3.07%3.07%3.07%3.05%3.05%2.99%2.99%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 93.91%94.04%94.67%94.98%95.25%95.41%95.41%95.47%95.47%95.47%95.48%95.47%
Others 0.64%0.64%0.64%0.64%0.64%0.63%0.63%0.63%0.63%0.63%0.63%0.63%
No. of Shareholders 7,89,8067,91,5767,88,4777,87,1147,83,4427,73,2767,65,7207,57,3707,48,9987,48,6827,48,3667,48,150

Shareholding Pattern Chart

No. of Shareholders

Reliance Capital Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 10.0010.0010.0010.0010.00
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.) -439.40-443.41-751.23-426.92-66.13
Book Value[Incl.RevalReserv]/Share (Rs.) -439.40-443.41-751.23-426.92-66.13
Revenue From Operations / Share (Rs.) 957.49751.73761.01760.87724.23
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 (%) -2.090.000.000.000.00
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 (%) 0.340.290.000.010.02
Current Ratio (X) 0.8312.810.921.061.25
Quick Ratio (X) 0.8312.810.921.061.25
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.) 0.0017888.3626486.2426866.2326705.60
EV / Net Operating Revenue (X) 0.000.931.371.401.46
EV / EBITDA (X) 0.00-14.37-5.02-4.88-13.11
MarketCap / Net Operating Revenue (X) 0.000.010.020.010.01
Price / BV (X) 0.00-0.01-0.02-0.02-0.04
Price / Net Operating Revenue (X) 0.000.010.020.010.01
EarningsYield 0.00-8.76-19.25-34.54-9.46

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fundamental Analysis of Reliance Capital Ltd

Reliance Capital Ltd. is a Public Limited Listed company incorporated on 05/03/1986 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN) is L65910MH1986PLC165645 and registration number is 165645. Currently company belongs to the Industry of Finance & Investments. Company’s Total Operating Revenue is Rs. 15.87 Cr. and Equity Capital is Rs. 253.24 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsKamala Mills Compound, Mumbai Maharashtra 400013rcl.investor@relianceada.com
http://www.reliancecapital.co.in
Management
NamePosition Held
Mr. Anil Dhirubhai AmbaniChairman, Non Ind & Non Exe Director
Ms. Chhaya ViraniInd. Non-Executive Director
Mr. Angarai Natarajan SethuramanNon Exe.Non Ind.Director
Mr. Rahul SarinInd. Non-Executive Director
Dr. Thomas MathewInd. Non-Executive Director

Reliance Capital Ltd. Share Price Update

Share PriceValue
Today₹11.79
Previous Day₹11.79
FAQ: Stock data is invalid or not in the correct format.
Last Updated: February 25, 2025, 4:28 am
Author: Getaka|Social: XLinkedIn
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Reliance Capital Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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