Religare Enterprises Ltd.

RELIGARE

₹225.11

-0.74% (-1.68)

Market Cap

₹7,499 Cr.

P/E

59.90

Key Ratios

Edit Ratio's

Market cap

7,499 Cr

59.90

Prom Holding

25.67 %

ROE (%)

9.94

ROCE (%)

5.01

Div Yield (%)

Sales

7,354 Cr

OPM (%)

4.08 %

Debt to Equity

0.15

Edit Ratio's

About

Religare Enterprises Limited (REL) is a diversified financial services group present across th… Read more

Low

203

52W Range

High

320

Timeline

Key company specific updates

Company Timeline

Custom financial statementNew

Edit rows

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Balance sheet
Net Block	1,785	103	79.68	82.78	175	117	127	196	161	63.03
Shareholders Funds	3,863	2,753	1,837	833	101	-47.09	-982	2,058	2,343	2,516
Profit & Loss
Operating Profit	2,379	2,107	-318	-718	14.05	236	-392	162	-317	300
Net Sales	5,659	4,181	2,524	2,307	2,366	2,493	3,224	4,676	6,235	7,354
Cash flow
Cash from Operating Activity	-2,154	5,871	5,802	3,555	2,433	1,373	1,596	1,506	1,500	1,572
Net Capex (est)	46.99	14.97	16.46	23.88	22.94	17.73	39.00	39.66	21.04	24.56
Ratios
ROCE (%)	13.32	15.58	-4.57	-34.43	-0.70	4.92	-5.70	11.20	5.01	—
ROE (%)	-1.23	-6.33	-56.90	-155	-923	1,080	157	150	9.94	—

Forensics

10 Yes

Positive for this company

0 Neutral

Neutral for this company

7 No

Negative for this company

0 No Data

Insufficient data to analyse

Accounting & Shareholding

Contingent Liabilities

Company does not have significant contingent liabilities
Depreciation Effect

Depreciation accounting is not leading to increase in profits
Pledge

Promoters have not pledged a significant portion of their holding
Promoter Holding

Promoter has been buying shares from the open market over last 90 days
Retail Holding

Retail has been selling the stock which is usually a good time to buy
Revenue Recognition

Company is converting accounting profit to cash
Other Income

Other income component is making ratios of the company look optically better

Price & Performance

Capex vs ROCE

Roce of the company has increased over the last three years
ROE

Asset turnover is responsible for roe increase over last 10 years
Working Capital

Working capital of the company seems to be under control
Sales Growth

Sales of the company has grown at a good pace
Current vs Historic Valuation

Company is trading at a premium to 3yr historic valuations
Debt

Company might have issues servicing its debt
Share price

Share price has decreased over last 10 years more due to derating
Margin Stability

Margins of the company are volatile
ROCE Strength

Roce of the company is not consistently strong
Balance Sheet Strength

Balance sheet of the company is moderately strong, but it might have issues paying it suppliers

Market Share

2.61 %

(as of Jan 25)

Historic

Gross Direct Premium Income - Market Share

5.12 %

(as of Apr 25)

Historic

Health Insurance - Market Share

0.29 %

(as of May 25)

Historic

Number of Accounts - Broking - Market Share

Revenue mix

Product Wise Break-Up - Investment and Financing Activities

Segment Break-Up

Location Wise Break-Up

Operating Profit Break-Up

Investment Break-Up - Insurance

Borrowings Break-Up

Premium Break-Up - General Insurance

Asset Break-Up - Segment Wise

Operational Metrics

Gross NPA (%)

Religare Enterprises Ltd.

Gross NPA (%)
Source
Monthly Gross Direct Premium Income (GDPI) (Crs)
Source
Risk Retention Ratio (%)
Source
Yield On Total Investments - General Insurance (%)
Source
Float (Crs)
Source
Combined Ratio (%)
Source

Peer Comparison

Peer Name	Latest Price	PE	Market cap(Cr)	Prom Holding(%)	YoY Qtly Sales(%)	ROCE (%)	ROE (%)
Religare Enterprises	225.11	59.9	7,499	25.67	9.31	5.01	9.94
Bengal & Assam	7,900	11.4	8,347	73.01	-0.31	15.92	42.97
MAS Financial Serv	289.9	16.86	5,234	66.63	26.13	12.27	14.08
Indostar Capital Fin	331.7	36.52	4,401	73.29	-4.65	9.9	3.58
SBFC Finance	103.05	32.94	11,373	53.33	29.32	10.24	10.82
Fusion Finance	188.7	0.00	3,058	57.71	-27.85	12.79	17.74
Paisalo Digital	30.17	13.47	2,695	50.37	-0.78	15.72	13.46
PTC India Fin. Serv	41.77	11.81	2,563	64.99	-14.61	9.8	6.33

Suppliers

63 Moons Technologies Ltd.

FAQs on Religare Enterprises Ltd. Business

What does Religare Enterprises do?

Religare Enterprises Limited is a diversified financial services group offering a range of services such as loans to SMEs, Affordable Housing Finance, Health Insurance, and Retail Broking through its subsidiaries. It is listed on the BSE and NSE in India.

Who are the competitors of Religare Enterprises?

Religare Enterprises major competitors are Bengal & Assam, MAS Financial Serv, Indostar Capital Fin, SBFC Finance, Fusion Finance, Paisalo Digital, PTC India Fin. Serv.
Market Cap of Religare Enterprises is ₹7,499 Crs.
While the median market cap of its peers are ₹4,401 Crs.

Is Religare Enterprises financially stable compared to its competitors?

Religare Enterprises seems to be less financially stable compared to its competitors.
Altman Z score of Religare Enterprises is 1.95 and is ranked 4 out of its 8 competitors.

View FAQ's On Shareprice

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Companies with a dominant global position in a product. Might be a sign of very strong moat.

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Companies where superstar investors like Rakesh Jhunjhunwala, Asish Kacholia have invested

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Company Filing

	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Annual Report	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Earnings Release		Mar
Investor Presentation								Mar		Mar	Mar May Sep Dec	Mar Jun Aug Oct	Mar Jun Aug Oct	Mar Jul Dec	Mar Jun Sep Dec	Apr Sep Nov
Conference Call										Mar	Mar Jun Sep Dec	Mar May Sep Dec	Mar Jun Sep Dec	Mar Jun Aug	Mar Jun Sep Dec	Jun Sep Nov
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Discussions & Analysis

Religare Enterprises Ltd.

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Raw Material

Religare Enterprises Ltd.

Religare Enterprises Ltd.

Key Ratios

About

Timeline

Company Timeline

10 Yes

0 Neutral

7 No

0 No Data

Accounting & Shareholding

Contingent Liabilities

Depreciation Effect

Pledge

Promoter Holding

Retail Holding

Revenue Recognition

Other Income

Price & Performance

Capex vs ROCE

ROE

Working Capital

Sales Growth

Current vs Historic Valuation

Debt

Share price

Margin Stability

ROCE Strength

Balance Sheet Strength

Product Wise Break-Up - Investment and Financing Activities

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Segment Break-Up

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Location Wise Break-Up

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Operating Profit Break-Up

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Investment Break-Up - Insurance

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Borrowings Break-Up

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Premium Break-Up - General Insurance

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Asset Break-Up - Segment Wise

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Gross NPA (%)

Gross NPA (%)

What does Religare Enterprises do?

Who are the competitors of Religare Enterprises?

Is Religare Enterprises financially stable compared to its competitors?

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