Religare Enterprises Ltd

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Religare Enterp. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Religare Enterprises Ltd

₹ 222 -0.56%
15 Oct 2:27 p.m.
religare.com BSE: 532915 NSE: RELIGARE
About

Religare Enterprise Ltd, incorporated in 1984, is a diversified financial services company with presence all over India, operating through its subsidiaries. The Co. provides loans to SMEs, Affordable Housing Finance, Health Insurance and Retail Broking. REL’s subsidiaries service over 11 lakh clients from over 1,275 locations having presence in more than 400 cities.[1][2]

Key Points

Business Overview:[1][2][3]
Religare Enterprises Limited (REL) is a
RBI-registered Core Investment Company
operating through subsidiaries across health insurance, broking, e-governance, secured MSME lending, and affordable housing finance.

Website BSE NSE
  • Market Cap ₹ 7,650 Cr.
  • Current Price ₹ 222
  • High / Low ₹ 285 / 197
  • Stock P/E 154
  • Book Value ₹ 87.4
  • Dividend Yield 0.00 %
  • ROCE 3.50 %
  • ROE 3.18 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 2.54 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 30.6%
  • Company has a low return on equity of 4.46% over last 3 years.
  • Earnings include an other income of Rs.34.8 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Investment Company

Part of Nifty Total Market Nifty Microcap 250 BSE Financial Services BSE 1000 Nifty Smallcap 500

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
1,285 1,584 1,511 1,856 1,710 1,952 1,668 2,042 1,861 2,077 2,056 2,467 2,353
1,147 1,483 1,455 1,833 1,653 1,876 1,730 1,805 1,846 2,010 2,151 2,325 2,402
Operating Profit 138 101 56 23 57 76 -61 237 15 67 -95 143 -49
OPM % 11% 6% 3.7% 1.2% 3.3% 3.9% -3.7% 12% 0.8% 3.2% -4.6% 6% -2.1%
18 1 27 249 5 19 2 8 10 12 12 6 5
Interest 26 25 24 18 13 13 5 6 7 10 9 10 15
Depreciation 19 18 18 17 16 15 14 17 13 12 11 12 18
Profit before tax 112 59 41 236 33 67 -79 222 6 57 -103 127 -77
Tax % 17% 32% 18% 23% 18% -2% -20% 32% -42% 20% -26% 25% -39%
93 40 34 181 27 69 -63 151 8 46 -77 96 -47
EPS in Rs 1.94 0.78 0.59 3.80 0.55 1.55 -1.30 2.98 0.31 1.17 -1.36 2.47 -0.77
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
4,128 4,895 3,709 2,675 2,371 2,384 2,513 3,227 4,679 6,266 7,394 8,462 8,954
2,006 3,710 1,659 2,841 3,005 2,341 2,235 3,592 4,196 5,898 7,037 8,306 8,888
Operating Profit 2,122 1,184 2,050 -167 -634 43 278 -364 483 368 356 156 66
OPM % 51% 24% 55% -6% -27% 1.8% 11% -11% 10% 6% 4.8% 1.8% 0.7%
58 1,012 -316 60 10 -157 17 137 3,473 263 12 32 35
Interest 1,658 1,879 1,840 1,271 854 855 733 750 641 112 63 53 43
Depreciation 37 36 31 30 26 61 59 53 56 72 62 47 52
Profit before tax 485 282 -136 -1,407 -1,504 -1,030 -497 -1,031 3,259 448 243 87 5
Tax % 34% 79% -10% -16% -0% 1% -4% 49% 3% 22% 25% 16%
321 61 -124 -1,181 -1,501 -1,038 -478 -1,539 3,169 347 183 73 18
EPS in Rs 8.62 -2.67 -9.77 -58.56 -59.33 -36.12 -19.60 -48.43 95.24 7.06 3.77 2.58 1.51
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 6%
5 Years: 27%
3 Years: 22%
TTM: 19%
Compounded Profit Growth
10 Years: 12%
5 Years: 17%
3 Years: 71%
TTM: -58%
Stock Price CAGR
10 Years: -2%
5 Years: 5%
3 Years: -2%
1 Year: -13%
Return on Equity
10 Years: %
5 Years: %
3 Years: 4%
Last Year: 3%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 178 178 178 178 217 258 259 319 324 330 331 333
Reserves 3,705 3,660 2,549 1,658 616 -157 -306 -1,301 1,734 2,013 2,185 2,575
16,491 20,247 14,956 9,945 6,717 5,356 4,940 4,878 841 443 233 493
5,064 3,344 3,355 2,081 2,023 2,673 3,832 5,467 5,193 6,686 8,432 11,104
Total Liabilities 25,439 27,429 21,038 13,862 9,573 8,130 8,725 9,362 8,092 9,472 11,180 14,506
2,128 1,785 103 80 83 175 117 127 196 161 145 133
CWIP 4 4 12 11 14 13 12 2 5 6 8 3
Investments 4,363 2,700 1,983 1,197 1,438 2,023 3,190 3,836 5,094 6,718 8,700 11,203
18,944 22,941 18,940 12,574 8,038 5,919 5,406 5,397 2,797 2,587 2,327 3,166
Total Assets 25,439 27,429 21,038 13,862 9,573 8,130 8,725 9,362 8,092 9,472 11,180 14,506

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-706 -2,154 5,871 5,802 3,555 2,433 1,373 1,596 1,506 1,500 1,523 1,820
-612 499 2,149 -457 -31 -436 -1,181 -689 -939 -1,348 -1,185 -2,176
1,094 1,853 -7,696 -6,455 -3,819 -1,743 -314 559 -2,079 -156 -285 690
Net Cash Flow -224 198 324 -1,110 -295 254 -122 1,466 -1,512 -4 53 334
Free Cash Flow -732 -2,202 5,847 5,776 3,522 2,410 1,355 1,557 1,466 1,479 1,499 1,809
CFO/OP -30% -173% 287% -3,525% -565% 5,635% 497% -438% 312% 407% 439% 1,183%

Ratios

Consolidated / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 52 35 60 42 53 14 28 21 14 8 4 5
Inventory Days
Days Payable
Cash Conversion Cycle 52 35 60 42 53 14 28 21 14 8 4 5
Working Capital Days -326 -257 -187 -250 -224 -267 -264 -387 -275 -291 -331 -395
ROCE % 11% 9% 10% -1% -7% -0% 4% -6% 16% 9% 8% 4%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Care Health Insurance Gross Written Premium (GWP)
Rs. Crore ・Standalone data

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Care Health Insurance Investment Book (AUM)
Rs. Crore ・Standalone data
Care Health Insurance Market Share (SAHI segment)
% ・Standalone data
Care Health Insurance Number of Branches
count ・Standalone data
Religare Broking Active Clients
thousands ・Standalone data
RHDFCL Assets Under Management (AUM)
Rs. Crore ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

6 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 25.67% 25.83% 25.83% 26.27% 30.27% 30.55%
11.75% 9.89% 7.91% 8.49% 8.01% 8.05% 8.25% 8.10% 7.81% 7.61% 7.85% 9.64%
7.84% 7.75% 8.17% 10.99% 13.43% 13.14% 11.76% 11.62% 10.27% 9.33% 8.52% 9.33%
80.41% 82.36% 83.92% 80.51% 78.56% 78.82% 54.32% 54.45% 56.11% 56.79% 53.36% 50.49%
No. of Shareholders 61,53569,31184,52783,05079,94680,23674,21374,05885,87381,95973,41169,935

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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