RELIGARE
Religare Enterprises Limited (RELIGARE) Stock Analysis
Religare Enterprises Limited provides health insurance, lending, and financial services through group companies. It operates in insurance broking and NBFC segments. The company has undergone restructuring of its financial businesses. It is listed on Indian stock exchanges.
Financial Services › Insurance - Life
₹220.50
+1.32% 1W | -14.00% 52W
Market Cap
7.6k CR
P/E Ratio
150
52W High
₹280
52W Low
₹196.5
Div. Yield
0%
Beta
-0.2
50 DMA
₹238.2
200 DMA
₹236.3
Profit Margin
0.6%
Inst. Own.
5.9%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 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 |
| Expenses | 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% |
| Other Income | 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% |
| Net Profit | 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 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 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 |
| Expenses | 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% |
| Other Income | 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% | |
| Net Profit | 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% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 22.0% | 27.0% | 6.0% |
| Profit CAGR | 71.0% | 17.0% | 12.0% |
Shareholding Pattern
Promoters25.83%
FIIs8.10%
DIIs11.62%
Public54.45%
Promoters25.83%
FIIs7.81%
DIIs10.27%
Public56.11%
Promoters26.27%
FIIs7.61%
DIIs9.33%
Public56.79%
Promoters30.27%
FIIs7.85%
DIIs8.52%
Public53.36%
Promoters30.55%
FIIs9.64%
DIIs9.33%
Public50.49%
FIIs18.30%
DIIs7.42%
Public74.27%
FIIs7.91%
DIIs8.17%
Public83.92%
Promoters25.67%
FIIs8.25%
DIIs11.76%
Public54.32%
Promoters30.27%
FIIs7.85%
DIIs8.52%
Public53.36%
Promoters30.55%
FIIs9.64%
DIIs9.33%
Public50.49%
RELIGARE
Holdings Analysis
Key strengths & risk signals
51
Overall
40
Fundamental
62
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (220.5) is below both moving averages.
WEAK YEAR! Stock declined 14.0% in the last year.
LOWER HALF! Trading at 28.7% of 52W range - weakness visible.
Strengths (3)
BULLISH TREND! 50-day average (238.2) is above 200-day average (236.3) - positive signal.
LOW VOLATILITY! Beta of -0.20 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 1,294,007 vs down days: 922,404. Ratio: 1.4x
Fundamental & Technical Analysis
51Overall
40Fundamental
62Technical
Fundamental Breakdown
Growth Quality
17/30
Revenue CAGR: 31.4% (EXCELLENT, 15/15). Profit CAGR: -0.4% (DECLINING, 2/15).
Profit Margin
2/10
LOW MARGIN! 0.6% profit margin - thin profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 73.52% public ownership - higher volatility risk.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (238.2) is above 200-day average (236.3) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (220.5) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
2/10
WEAK YEAR! Stock declined 14.0% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 1,294,007 vs down days: 922,404. Ratio: 1.4x
RSI
4/5
APPROACHING OVERSOLD! RSI at 35.8 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 28.7% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 1.3% (1 week), -11.0% (1 month), -14.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of -0.20 - stable stock, less market risk.
RELIGARE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-18 | Concall PDF | |
| Q3FY262026-02-20 | Concall PDF | |
| Q2FY262025-11-19 | Concall PDF |
Peer Comparison
Financial Services · Insurance - Life · 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RELIGARE | ₹220.50 | 150 | 0.6% | 31.4% | -0.4% | -14.0% | 51 | BREAKDOWN | -356.9% | -131.9% | +23.8% | -6.9% |
| CANHLIFE | ₹130.40 | 92.5 | 1.1% | 5.0% | 6.0% | +21.5% | 53 | BREAKDOWN | – | +53.0% | – | -41.3% |
| NIVABUPA | ₹76.00 | 39 | 4.8% | 36.4% | 118.5% | +0.1% | 69 | APPROACHING RESISTANCE | +93.0% | -60.1% | +27.9% | +15.6% |
| STARHEALTH | ₹548.90 | 38.3 | 3.6% | 14.0% | -3.4% | +9.9% | 65 | APPROACHING RESISTANCE | +25.4% | +393.9% | +12.6% | +13.7% |
| MFSL | ₹1,294.90 | 409.8 | 0.2% | 15.0% | -39.5% | -17.0% | 51 | BREAKDOWN | +37.4% | -462.1% | +16.8% | +38.6% |
| ICICIPRULI | ₹445.00 | 36.7 | 2.7% | 8.5% | 25.5% | -24.6% | 56 | CONSOLIDATING DOWN | +27.8% | -38.1% | +12.3% | +810.8% |
| HDFCLIFE | ₹553.00 | 58.4 | 1.9% | 9.3% | 11.8% | -25.9% | 52 | APPROACHING RESISTANCE | +11.5% | +22.9% | +14.4% | +70.2% |
| SBILIFE | ₹1,656.80 | 63.9 | 2.1% | 11.1% | 12.8% | -9.5% | 53 | APPROACHING RESISTANCE | +22.0% | -9.9% | +18.8% | +1,031.9% |
Data from TradeAlone · Updated daily
