Reliance Capital

₹11.8 0 | 0%

WEBSITE BSE:500111 NSE : REL.CAP. 26 Feb, 00:00

Market Cap ₹298 Cr.

Stock P/E -0.2

P/B -0

Current Price ₹11.8

Book Value ₹ -467.2

Face Value 10

52W High ₹15.2

Dividend Yield 0%

52W Low ₹ 8.4

Edit Ratio

Reliance Capital Research see more...

Overview Inc. Year: 1986Industry: Finance - NBFC

Reliance Capital Ltd is an India-based non-banking financial offerings enterprise. The Company is commonly engaged in the finance and investment activities. Its segments comprises Finance and Investments, General Insurance, Life Insurance, Commercial Finance and Others. The Finance and Investments section includes the corporate lending and funding activities. The General Insurance section includes the overall and health insurance business. The Life Insurance segment includes the life coverage commercial enterprise. The Commercial Finance section consists of the industrial finance business. Others section consists of different economic and allied services. Its insurance enterprise includes life insurance, general coverage and medical insurance. Its commercial and domestic finance business consists of affordable housing, mortgages, loans in opposition to assets, small and medium-sized organisations (SME) loans and loans for motors, amongst others. It also has business in dealer and distribution, and asset reconstruction.

Reliance Capital Share Price

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Peer Comparison

Reliance Capital Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	5993	4077	4763	3596	5796	5218	4427	5957	6393	6098
Other Income	8	7	7	8	251	9	9	44	26	19
Total Income	6002	4084	4770	3604	6047	5226	4436	6001	6419	6116
Total Expenditure	6275	5066	8674	3766	5711	5167	5914	5535	6644	5879
Operating Profit	-274	-983	-3903	-162	336	60	-1478	466	-225	237
Interest Expense	677	563	278	271	15	6	8	-1	8	22
Depreciation	28	28	30	30	31	28	27	26	27	29
Profit Before Tax	-979	-1574	-4211	-463	290	26	-1513	441	-260	185
Provision for Tax	41	21	26	34	75	11	-14	10	-17	106
Profit After Tax	-1020	-1595	-4237	-497	216	15	-1499	431	-243	79
Adjustments	-170	-177	66	35	-29	-16	-3	-37	-20	-40
Profit After Adjustments	-1189	-1772	-4171	-462	186	-1	-1503	394	-263	39
Adjusted Earnings Per Share	-47	-70	-164.7	-18.2	7.4	-0	-59.3	15.6	-10.4	1.6

Reliance Capital Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	7480	7468	8879	9974	17507	18718	20447	18323	19251	19272	19037	22875
Other Income	49	126	145	131	271	62	908	6341	58	44	276	98
Total Income	7529	7594	9024	10105	17778	18780	21355	24664	19309	19316	19313	22972
Total Expenditure	4295	4178	5077	5475	13039	18879	18191	21775	24786	24565	20523	23972
Operating Profit	3234	3416	3947	4630	4739	-99	3164	2889	-5477	-5249	-1210	-1000
Interest Expense	2348	2508	2648	2828	3084	4112	4541	3994	2768	2218	334	37
Depreciation	56	61	68	70	116	94	123	123	105	112	116	109
Profit Before Tax	830	847	1231	1732	1539	-4305	-1500	-1228	-9114	-7908	-1654	-1147
Provision for Tax	127	164	224	379	293	382	122	-24	173	147	105	85
Profit After Tax	703	683	1007	1353	1246	-4687	-1622	-1204	-9287	-8055	-1759	-1232
Adjustments	109	64	-6	-252	-160	53	116	129	-117	-61	-19	-100
Profit After Adjustments	812	747	1001	1101	1086	-4634	-1506	-1075	-9403	-8116	-1779	-1333
Adjusted Earnings Per Share	33.1	30.7	39.7	43.7	43.1	-183.9	-59.8	-42.7	-372.1	-321.1	-70.4	-52.5

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-1%	1%	0%	10%
Operating Profit CAGR	0%	NAN%	0%	NAN%
PAT CAGR	0%	0%	0%	NAN%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	30%	-0%	-37%	-29%
ROE Average	0%	0%	-1908%	-869%
ROCE Average	-21%	-35%	-18%	-4%

Reliance Capital Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	11971	12391	13324	14143	15334	1013	-949	-2294	-11538	-19820	-12065
Minority's Interest	516	544	669	1448	1631	1627	1697	621	737	796	836
Borrowings	13686	14178	16697	18057	26906	43269	38457	24138	24190	24151	17080
Current Liability	14353	18275	16555	18154	21475	37270	44768	42312	51488	58563	60490
Other Liabilities & Provisions	28	111	160	15271	17053	-395	-317	-179	-89	-35	-175
Total Liabilities	40554	45499	47405	67073	82399	82784	83656	64598	64787	63654	66166
Loans	273	405	720	726	0	0	0	0	0	0	0
Investments	13560	14137	13413	20736	30010	33478	32802	34673	39755	44014	48524
Fixed Assets	434	482	530	5512	5745	5548	5569	5467	5500	5505	5188
Other Loans	12437	15204	15869	22060	24886	549	563	511	354	351	262
Other Non Current Assets	1569	1910	1470	1027	789	34	18	19	20	15	16
Current Assets	12281	13361	15403	17012	20969	43175	44704	23928	19081	13692	12101
Total Assets	40554	45499	47405	67073	82399	82784	83656	64598	64787	63654	66166

Reliance Capital Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	658	1112	2094	1225	2746	3574	4290	688	479	566	1188
Cash Flow from Operating Activities	291	1471	-1002	-225	-3623	-6123	-8352	15886	4057	4020	5249
Cash Flow from Investing Activities	582	-214	2144	2642	-6059	-580	5127	3156	-3948	-3350	-4899
Cash Flow from Financing Activities	-419	-276	-2011	-1246	10535	7419	-377	-19251	-23	-48	-844
Net Cash Inflow / Outflow	454	981	-869	1171	853	716	-3602	-209	87	622	-493
Closing Cash & Cash Equivalent	1112	2094	1225	2746	3599	4290	688	479	566	1188	695

Reliance Capital Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	33.14	30.74	39.72	43.69	43.1	-183.89	-59.76	-42.66	-372.1	-321.14	-70.38
CEPS(Rs)	30.98	30.62	42.66	56.47	54.05	-182.26	-59.48	-42.9	-363.34	-314.29	-65.03
DPS(Rs)	13	8.5	9	10	10.5	11	0	0	0	0	0
Book NAV/Share(Rs)	482.65	503.83	522.06	555.04	599.76	39.56	-38.21	-91.47	-456.86	-784.6	-477.74
Net Profit Margin	9.4	9.15	11.34	13.57	7.12	-25.04	-7.93	-6.57	-48.24	-41.8	-9.24
Operating Margin	42.49	44.93	43.69	45.72	26.41	-1.03	14.87	15.1	-32.96	-29.52	-6.94
PBT Margin	11.1	11.34	13.86	17.37	8.79	-23	-7.34	-6.7	-47.34	-41.03	-8.69
ROA(%)	1.85	1.59	2.17	2.36	1.67	-5.67	-1.95	-1.62	-14.35	-12.54	-2.71
ROE(%)	5.99	5.68	7.93	9.97	8.56	-58.18	-9541.18	0	0	0	0
ROCE(%)	9.69	9.3	10.06	11.22	9.59	-0.38	6.57	7.92	-31.76	-50.89	-20.97
Price/Earnings(x)	9.43	11.26	10.69	8.43	14.28	0	0	0	0	0	0
Price/Book(x)	0.65	0.69	0.81	0.66	1.03	10.7	-5.34	-0.05	-0.02	-0.02	-0.02
Dividend Yield(%)	4.16	2.46	2.12	2.72	1.71	2.6	0	0	0	0	0
EV/Net Sales(x)	3.82	4.19	3.97	3.41	2.8	2.78	2.41	1.42	1.36	1.33	0.9
EV/Core EBITDA(x)	8.84	9.17	8.92	7.34	10.35	-525.4	15.58	9.03	-4.77	-4.89	-14.08
Interest Earned Growth(%)	13.64	-0.16	18.89	12.33	75.53	6.92	9.24	-10.39	5.06	0.11	-1.22
Net Profit Growth	113.68	-2.84	47.44	34.36	-7.91	-476.16	65.39	25.77	-671.31	13.26	78.16
EPS Growth(%)	76.91	-7.25	29.22	9.99	-1.36	-526.7	67.5	28.62	-772.28	13.69	78.08
Interest Coverage(x) %	1.35	1.34	1.46	1.61	1.5	-0.05	0.67	0.69	-2.29	-2.56	-3.95

Reliance Capital Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	1.5	1.5	1.5	0.88	0.88	0.88	0.88	0.88	0.88	0.88
FII	0.56	0.85	0.72	0.71	0.4	0.14	0	0	0	0
DII	3.08	3.08	3.08	3.08	3.08	3.08	3.08	3.08	3.02	3.01
Public	94.42	94.14	94.27	94.9	95.21	95.47	96.04	96.04	96.1	96.11
Others	0.43	0.43	0.43	0.43	0.43	0.43	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.38	0.38	0.38	0.22	0.22	0.22	0.22	0.22	0.22	0.22
FII	0.14	0.21	0.18	0.18	0.1	0.04	0	0	0	0
DII	0.78	0.78	0.78	0.78	0.78	0.78	0.78	0.78	0.76	0.76
Public	23.86	23.79	23.82	23.98	24.06	24.13	24.27	24.27	24.29	24.29
Others	0.11	0.11	0.11	0.11	0.11	0.11	0	0	0	0
Total	25.27	25.27	25.27	25.27	25.27	25.27	25.27	25.27	25.27	25.27

Pros

Stock is trading at -0 times its book value
Company has reduced debt.
Company is almost debt free.

Cons

Promoter holding is low: 0.88%.
Company has a low return on equity of 0% over the last 3 years.

* 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.