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Religare Enterprises Limited RELIGARE NSEFINANCIAL

Financial Services · Insurance - Life · India
https://www.religare.com
Company Profile ↓
₹264.25
+5.27% 1Y
Mkt Cap₹9,017.10 Cr
P/E102.03
P/B3.07
52W High₹289.81
52W Low₹201.11
Book Value₹85.23
EPS (TTM)₹2.59

Company Overview

Religare Enterprises Limited, through its subsidiaries, provides various financial services in India and internationally. It operates through Investment and Financing Activities; Broking Related Activities; E-Governance; and Insurance segments. The company provides small and medium enterprise financing; and housing finance products comprising home-purchase, home construction, and home improvement loans. It also offers broking services in equity, currency, and commodity; and depository participant services, as well as operates as a NSDL-appointed enrolment agency for Aadhaar Unique Identification Number, and a mutual fund distributor. In addition, the company provides health, critical illness, personal accident, top-up coverage, international travel, and maternity insurance products, as well as group health and personal accident insurance for corporates. Further, the company engages in the permanent account number issuance; tax deduction and collection account number and e-TDS returns; acting as a business correspondent for banking services; bharat bill payment systems and recharges; ticketing for airlines, railways, buses, and tourism through online and offline platforms; digital signature certificate and token services; and operating as a central record keeping agency facilitation center. The company was incorporated in 1984 and is headquartered in New Delhi, India.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 31.6% CAGR over the past five years.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.17.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹8,408.89 Cr (+14.7% YoY); net profit ₹85.96 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +14.7%, earnings -31.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 31.6%, profit CAGR -0.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:31.56%
1 Year:14.73%

Compounded Profit Growth

5 Years:-0.37%
1 Year:-31.02%

Stock Price Performance

1 Year:+5.27%
6 Months:+4.36%
3 Months:+19.98%
1 Month:+9.79%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 71% of range
₹201.11 ₹289.81
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • Golden Cross6d ago
  • RSI (14)55.55 · Neutral
Price Performance
1M+9.79%
3M+19.98%
6M+4.36%
1Y+5.27%
Valuation vs Sector

P/E of 102.03 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 31.6% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 102.0.
  • Earnings shrank at -0.4% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
102.03
Industry PE
19.81
Forward P/E est.
147.91
PEG Ratio
-
Book Value
₹85.23
Price to Book
3.07
P/S
1.08
EV/EBITDA
51.05
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
31.56%
Profit 5Y
-0.37%
Revenue (YoY)
14.73%
Earnings (YoY)
-31.02%

Profitability & Returns

ROCE
1.01%
ROE
2.96%
ROA
0.59%
Profit Margin
1.02%
Op Margin
1.05%
Gross Margin
67.32%
EPS (Latest Qtr)
₹2.47
EPS (TTM)
₹2.59

Balance Sheet & Liquidity

Debt/Equity
0.17
Quick Ratio
1.04
Current Ratio
1.04
Debt
₹493.23 Cr
Total Assets
₹14,505.55 Cr
Current Assets
₹2,381.24 Cr
Working Capital
₹86.57 Cr

Ownership

Promoter Holding
48.13%
Chg in Prom Hold
1.50%
FII / Inst Holding
7.37%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹9,017.10 Cr
Total Revenue (TTM)
₹8,408.89 Cr
EBITDA
₹170.14 Cr
Free Cash Flow
₹1,807.44 Cr
Operating Cash Flow
₹1,819.96 Cr
Shares Outstanding
₹34.12 Cr
Gross Margin
67.32%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 RELIGARE Religare Enterprises Limited NSEFINANCIAL 264.25 102.03 ₹9,017.10 Cr 0.00% 1.01% 2.96% 31.56% -0.37%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 1,396.00 Cr1,285.00 Cr1,584.00 Cr1,511.00 Cr1,856.00 Cr1,710.00 Cr--2,022.11 Cr1,570.12 Cr2,045.67 Cr2,042.28 Cr2,459.49 Cr
Cost of Revenue -------600.00 Cr668.02 Cr-662.57 Cr688.43 Cr848.68 Cr
Gross Profit -------1,063.61 Cr1,354.09 Cr-1,383.10 Cr1,353.85 Cr1,610.81 Cr
Operating Expenses 1,149.00 Cr1,147.00 Cr1,483.00 Cr1,455.00 Cr1,833.00 Cr1,653.00 Cr--1,134.15 Cr1,583.73 Cr1,334.36 Cr1,459.51 Cr1,479.78 Cr
Operating Income 233.00 Cr119.00 Cr83.00 Cr38.00 Cr6.00 Cr41.00 Cr--75.56 Cr219.94 Cr-48.73 Cr-105.66 Cr131.03 Cr
EBITDA 247.00 Cr138.00 Cr101.00 Cr56.00 Cr23.00 Cr57.00 Cr--245.25 Cr25.61 Cr79.35 Cr-83.32 Cr148.49 Cr
Interest Expense 29.00 Cr26.00 Cr25.00 Cr24.00 Cr18.00 Cr13.00 Cr--5.79 Cr7.33 Cr9.76 Cr8.98 Cr9.74 Cr
Pretax Income 3,557.00 Cr112.00 Cr59.00 Cr41.00 Cr236.00 Cr33.00 Cr--222.11 Cr5.73 Cr57.45 Cr-103.09 Cr127.17 Cr
Tax Provision 35.57 Cr19.04 Cr18.88 Cr7.38 Cr54.28 Cr5.94 Cr--71.39 Cr-2.44 Cr11.52 Cr-26.55 Cr31.52 Cr
Net Income 3,517.00 Cr93.00 Cr40.00 Cr34.00 Cr181.00 Cr27.00 Cr--98.48 Cr10.27 Cr38.83 Cr-45.31 Cr82.21 Cr
Diluted EPS 107.611.940.780.593.800.55--2.980.311.15-1.372.47

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 4,128.00 Cr4,895.00 Cr3,709.00 Cr2,675.00 Cr2,371.00 Cr2,384.00 Cr2,513.00 Cr-3,692.88 Cr837.73 Cr7,329.10 Cr8,408.89 Cr
Cost of Revenue ---------2,117.32 Cr2,540.60 Cr2,748.27 Cr
Gross Profit ----------1,279.59 Cr4,788.50 Cr5,660.62 Cr
Operating Expenses 2,006.00 Cr3,710.00 Cr1,659.00 Cr2,841.00 Cr3,005.00 Cr2,341.00 Cr2,235.00 Cr-3,824.05 Cr-1,420.98 Cr4,535.37 Cr5,572.03 Cr
Operating Income 2,085.00 Cr1,148.00 Cr2,019.00 Cr-197.00 Cr-660.00 Cr-18.00 Cr219.00 Cr--141.39 Cr253.12 Cr88.59 Cr
EBITDA 2,122.00 Cr1,184.00 Cr2,050.00 Cr-167.00 Cr-634.00 Cr43.00 Cr278.00 Cr-3,941.23 Cr610.50 Cr342.44 Cr170.14 Cr
Interest Expense 1,658.00 Cr1,879.00 Cr1,840.00 Cr1,271.00 Cr854.00 Cr855.00 Cr733.00 Cr-626.45 Cr91.11 Cr37.14 Cr35.81 Cr
Pretax Income 485.00 Cr282.00 Cr-136.00 Cr-1,407.00 Cr-1,504.00 Cr-1,030.00 Cr-497.00 Cr-3,258.63 Cr447.69 Cr243.30 Cr87.26 Cr
Tax Provision 164.90 Cr222.78 Cr13.60 Cr225.12 Cr0-10.30 Cr19.88 Cr-90.02 Cr100.27 Cr60.55 Cr14.10 Cr
Net Income 321.00 Cr61.00 Cr-124.00 Cr-1,181.00 Cr-1,501.00 Cr-1,038.00 Cr-478.00 Cr-86.93 Cr232.91 Cr124.62 Cr85.96 Cr
Diluted EPS 8.62-2.67-9.77-58.56-59.33-36.12-19.60-94.677.073.782.59

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 25,439.00 Cr27,429.00 Cr21,038.00 Cr13,862.00 Cr9,573.00 Cr8,130.00 Cr8,725.00 Cr-8,093.89 Cr9,473.61 Cr11,228.84 Cr14,505.55 Cr
Current Assets ---------5,736.27 Cr2,665.27 Cr2,381.24 Cr
Cash & Equivalents --------343.72 Cr200.95 Cr302.67 Cr588.07 Cr
Inventory ---------2.62 Cr2.82 Cr2.35 Cr
Receivables ---------141.66 Cr84.90 Cr118.86 Cr
Total Liabilities --------5,416.44 Cr6,298.99 Cr7,792.09 Cr10,628.03 Cr
Current Liabilities ---------6,145.83 Cr7,583.79 Cr2,294.68 Cr
Long Term Debt ---------041.30 L400.59 Cr
Total Debt 16,491.00 Cr20,247.00 Cr14,956.00 Cr9,945.00 Cr6,717.00 Cr5,356.00 Cr4,940.00 Cr-757.95 Cr442.60 Cr233.43 Cr493.23 Cr
Total Equity 3,883.00 Cr3,838.00 Cr2,727.00 Cr1,836.00 Cr833.00 Cr101.00 Cr-47.00 Cr-2,057.69 Cr2,343.14 Cr2,515.82 Cr2,908.29 Cr
Shares Outstanding --------32.36 Cr32.97 Cr33.07 Cr34.12 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -706.00 Cr-2,154.00 Cr5,871.00 Cr5,802.00 Cr3,555.00 Cr2,433.00 Cr1,373.00 Cr-1,505.96 Cr1,499.62 Cr1,523.47 Cr1,819.96 Cr
Investing Cash Flow -612.00 Cr499.00 Cr2,149.00 Cr-457.00 Cr-31.00 Cr-436.00 Cr-1,181.00 Cr--938.79 Cr-1,348.03 Cr-1,184.71 Cr-2,175.88 Cr
Financing Cash Flow 1,094.00 Cr1,853.00 Cr-7,696.00 Cr-6,455.00 Cr-3,819.00 Cr-1,743.00 Cr-314.00 Cr--2,078.83 Cr-155.85 Cr-285.48 Cr689.77 Cr
Capital Expenditure -26.00 Cr-48.00 Cr-24.00 Cr-26.00 Cr-33.00 Cr-23.00 Cr-18.00 Cr--40.40 Cr-21.41 Cr-24.89 Cr-12.52 Cr
Free Cash Flow -732.00 Cr-2,202.00 Cr5,847.00 Cr5,776.00 Cr3,522.00 Cr2,410.00 Cr1,355.00 Cr-1,465.56 Cr1,478.22 Cr1,498.58 Cr1,807.44 Cr
Net Change in Cash -224.00 Cr198.00 Cr324.00 Cr-1,110.00 Cr-295.00 Cr254.00 Cr-122.00 Cr--1,511.66 Cr-4.26 Cr53.27 Cr333.85 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----------152.7%65.3%67.3%
Operating Margin % 50.5%23.5%54.4%-7.4%-27.8%-0.8%8.7%--16.9%3.5%1.1%
Net Margin % 7.8%1.2%-3.3%-44.1%-63.3%-43.5%-19.0%-2.4%27.8%1.7%1.0%
ROE % 8.3%1.6%-4.5%-64.3%-180.2%-1,027.7%1,017.0%-4.2%9.9%5.0%3.0%
ROCE % ---------4.2%6.9%0.7%

Shareholding Pattern

Insiders
48.13%
Institutions
7.37%
Public Float
14.20%

Analyst View

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Latest News

Recent headlines for RELIGARE

Google News ue, 14 Jul 2026

Bandhan Bank may extend gains as banking sector momentum strengthens: Religare Broking - The Economic Times

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Google News Mon, 22 Jun 2026

Breakout stock: Religare Enterprises can jump up to 13%, says Bajaj Broking - Business Standard

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Google News ue, 14 Jul 2026

Stock of the day : JSW Infrastructure Ltd by Target Rs. 375 - Religare Broking Ltd - Investment Guru India

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Google News Mon, 22 Jun 2026

Ashish Dhawan raises stake in Religare Enterprises to 5.42% - scanx.trade

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Google News ue, 02 Jun 2026

Money laundering: Court summons Religare ex-executive chairperson - Rediff

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Google News ue, 14 Jul 2026

Bandhan Bank may extend gains as banking sector momentum strengthens: Religare Broking - The Economic Times

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RELIGARE — Frequently Asked Questions

What is the current share price of Religare Enterprises Limited (RELIGARE)?

As of 2026-07-15 09:52 IST, Religare Enterprises Limited (RELIGARE) trades at ₹264.25 on NSE. Its 52-week range is ₹201.11 to ₹289.81.

What is the market capitalisation of RELIGARE?

Religare Enterprises Limited (RELIGARE) has a market capitalisation of ₹9,017.10 Cr on NSE.

What is the P/E ratio of RELIGARE?

RELIGARE trades at a trailing price-to-earnings (P/E) ratio of 102.03. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 3.07.

What is the return on equity (ROE) of RELIGARE?

RELIGARE has a return on equity (ROE) of 2.96%. Its return on capital employed (ROCE) is 1.01%.

Is RELIGARE a good stock to buy?

This page provides a data-driven analysis of Religare Enterprises Limited (RELIGARE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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