RECLTD
REC Limited (RECLTD) Stock Analysis
REC Limited finances power generation, transmission, and distribution projects as a government-owned lender. It supports rural electrification and renewable energy lending programs. The company is a key institution for India's power sector capital. It is listed on Indian stock exchanges as a Maharatna PSU.
Financial Services › Credit Services
₹307.80
+2.60% 1W | -17.40% 52W
Market Cap
81.1k CR
P/E Ratio
5.1
52W High
₹388.3
52W Low
₹286.2
Div. Yield
4.39%
Beta
0.3
50 DMA
₹316.5
200 DMA
₹343.5
Profit Margin
68.9%
Inst. Own.
23%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11,104 | 11,688 | 12,052 | 12,677 | 13,079 | 13,682 | 14,272 | 15,334 | 14,737 | 15,153 | 15,051 | 14,564 | 14,435 |
| Interest | 7,049 | 7,350 | 7,654 | 7,896 | 8,020 | 8,506 | 8,837 | 8,768 | 8,934 | 9,131 | 9,243 | 8,931 | 8,748 |
| Expenses | 332 | -492 | 240 | -425 | 717 | 97 | 263 | 1,084 | 217 | 476 | 655 | 1,231 | 447 |
| Financing Profit | 3,723 | 4,831 | 4,158 | 5,206 | 4,341 | 5,079 | 5,172 | 5,482 | 5,587 | 5,546 | 5,154 | 4,402 | 5,241 |
| Financing Margin % | 34% | 41% | 34% | 41% | 33% | 37% | 36% | 36% | 38% | 37% | 34% | 30% | 36% |
| Other Income | 4 | 13 | 20 | 29 | 14 | 24 | 15 | 15 | 87 | 10 | -11 | 20 | 35 |
| Depreciation | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 7 |
| Profit before tax | 3,721 | 4,838 | 4,172 | 5,229 | 4,349 | 5,097 | 5,181 | 5,490 | 5,666 | 5,549 | 5,136 | 4,415 | 5,268 |
| Tax % | 20% | 22% | 21% | 22% | 20% | 21% | 21% | 21% | 21% | 20% | 21% | 24% | 20% |
| Net Profit | 2,968 | 3,790 | 3,308 | 4,079 | 3,460 | 4,038 | 4,076 | 4,310 | 4,466 | 4,415 | 4,052 | 3,375 | 4,193 |
| EPS in Rs | 11.27 | 14.39 | 12.56 | 15.49 | 13.14 | 15.33 | 15.48 | 16.37 | 16.96 | 16.77 | 15.39 | 12.82 | 15.92 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 20,544 | 24,125 | 24,338 | 22,658 | 25,408 | 29,942 | 35,557 | 39,276 | 39,486 | 47,517 | 56,369 | 59,586 | 59,202 |
| Interest | 11,840 | 14,282 | 13,462 | 13,333 | 15,639 | 18,991 | 21,489 | 22,051 | 23,733 | 29,948 | 34,131 | 36,238 | 36,051 |
| Expenses | 1,149 | 1,680 | 1,888 | 3,379 | 1,702 | 3,981 | 3,292 | 4,838 | 1,858 | -366 | 2,153 | 2,568 | 2,809 |
| Financing Profit | 7,555 | 8,162 | 8,988 | 5,946 | 8,066 | 6,969 | 10,776 | 12,387 | 13,894 | 17,936 | 20,084 | 20,780 | 20,342 |
| Financing Margin % | 37% | 34% | 37% | 26% | 32% | 23% | 30% | 32% | 35% | 38% | 36% | 35% | 34% |
| Other Income | 6 | 4 | 24 | 18 | 33 | 72 | 15 | 62 | 28 | 48 | 58 | 13 | 53 |
| Depreciation | 8 | 20 | 40 | 7 | 8 | 12 | 11 | 18 | 24 | 24 | 25 | 27 | 27 |
| Profit before tax | 7,552 | 8,147 | 8,972 | 5,958 | 8,090 | 7,030 | 10,780 | 12,431 | 13,898 | 17,960 | 20,117 | 20,766 | 20,368 |
| Tax % | 29% | 30% | 30% | 25% | 29% | 29% | 22% | 19% | 20% | 21% | 21% | 21% | |
| Net Profit | 5,344 | 5,691 | 6,313 | 4,451 | 5,741 | 4,972 | 8,378 | 10,036 | 11,167 | 14,145 | 15,884 | 16,308 | 16,035 |
| EPS in Rs | 20.30 | 21.61 | 23.98 | 16.90 | 21.80 | 18.88 | 31.82 | 38.11 | 42.41 | 53.72 | 60.32 | 61.93 | 60.90 |
| Dividend Payout % | 20% | 30% | 30% | 41% | 38% | 44% | 30% | 30% | 30% | 30% | 30% | 30% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 15.0% | 11.0% | 9.0% |
| Profit CAGR | 14.0% | 14.0% | 11.0% |
Shareholding Pattern
Promoters52.63%
FIIs17.97%
DIIs15.86%
Public13.48%
Promoters52.63%
FIIs16.46%
DIIs16.21%
Public14.64%
Promoters52.63%
FIIs15.79%
DIIs16.36%
Public15.17%
Promoters52.63%
FIIs15.76%
DIIs16.98%
Public14.57%
Promoters52.63%
FIIs16.78%
DIIs16.55%
Public13.97%
Promoters52.63%
FIIs21.52%
DIIs11.87%
Public13.93%
Promoters52.63%
FIIs19.91%
DIIs15.44%
Public11.96%
Promoters52.63%
FIIs20.48%
DIIs14.79%
Public12.05%
Promoters52.63%
FIIs15.79%
DIIs16.36%
Public15.17%
Promoters52.63%
FIIs16.78%
DIIs16.55%
Public13.97%
RECLTD
Holdings Analysis
Key strengths & risk signals
68
Overall
81
Fundamental
56
Technical
Risks (4)
VERY HIGH DEBT! D/E of 6.33 - significant risk.
WEAK POSITION! Current price (307.8) is below both moving averages.
WEAK YEAR! Stock declined 17.4% in the last year.
LOWER HALF! Trading at 21.2% of 52W range - weakness visible.
Strengths (4)
EXCELLENT EFFICIENCY! 68.9% profit margin - company keeps strong profits.
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
NEUTRAL! RSI at 49.2 - balanced momentum.
Fundamental & Technical Analysis
68Overall
81Fundamental
56Technical
Fundamental Breakdown
Growth Quality
22/30
Revenue CAGR: 14.4% (GOOD, 11/15). Profit CAGR: 13.5% (GOOD, 11/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 68.9% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.38 indicates stock is cheap relative to growth.
Dividend Yield
9/10
VERY GOOD DIVIDEND! 4.39% yield - strong income generator.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 6.33 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 13.41% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (316.5) is below 200-day average (343.5) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (307.8) is below both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 17.4% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 6,532,335 vs down days: 6,950,079. Ratio: 0.94x
RSI
3/5
NEUTRAL! RSI at 49.2 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 21.2% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 2.6% (1 week), -1.6% (1 month), -13.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
RECLTD
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q2FY262025-11-04 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RECLTD | ₹307.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 68 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
| MUTHOOTFIN | ₹2,598.30 | 9.2 | 55.5% | 38.0% | 43.1% | -22.6% | 65 | CONSOLIDATING DOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| IRFC | ₹80.20 | 14.2 | 97.3% | 4.6% | 4.4% | -36.1% | 60 | BREAKOUT | +10.4% | +14.4% | +19.4% | +12.4% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
| PFC | ₹333.20 | 4.2 | 54.5% | 16.2% | 17.7% | -13.7% | 77 | BREAKOUT | +2.1% | +0.2% | -1.0% | -7.6% |
| SUNDARMFIN | ₹4,236.80 | 21 | 46.1% | 18.6% | 15.7% | -6.2% | 62 | BREAKDOWN | +33.9% | +14.8% | +18.1% | +1.6% |
| PIRAMALFIN | ₹1,950.30 | 26.3 | 32.2% | 16.9% | – | +47.5% | 54 | BREAKDOWN | +66.1% | -8.3% | +28.0% | +7.5% |
Data from TradeAlone · Updated daily
