Reliance Capital Limited Logo

Reliance Capital Limited

RELCAPITAL.NS

(2.8)
Stock Price

12,35 INR

-2.07% ROA

15.31% ROE

-0.31x PER

Market Cap.

3.841.176.800,00 INR

-153.16% DER

0% Yield

-6.16% NPM

Reliance Capital Limited Stock Analysis

Reliance Capital Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Reliance Capital Limited Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (-0.01x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (-131%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROE

ROE surpassing expectations (21.22%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

5 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

6 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

8 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

9 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

10 Buffet Intrinsic Value

The company's stock appears overvalued (-114) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

11 ROA

The stock's ROA (-6.08%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

Reliance Capital Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Reliance Capital Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Reliance Capital Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Reliance Capital Limited Revenue
Year Revenue Growth
2003 4.580.300.000
2004 4.258.900.000 -7.55%
2005 9.470.500.000 55.03%
2006 21.578.600.000 56.11%
2007 49.191.900.000 56.13%
2008 59.758.000.000 17.68%
2009 50.848.900.000 -17.52%
2010 53.868.200.000 5.6%
2011 65.770.000.000 18.1%
2012 47.510.000.000 -38.43%
2013 47.460.000.000 -0.11%
2014 57.850.000.000 17.96%
2015 69.000.000.000 16.16%
2016 141.730.000.000 51.32%
2017 152.220.000.000 6.89%
2018 145.390.000.000 -4.7%
2019 116.570.000.000 -24.72%
2020 159.210.000.000 26.78%
2021 164.048.900.000 2.95%
2022 181.972.100.000 9.85%
2023 237.375.200.000 23.34%
2023 244.436.700.000 2.89%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Reliance Capital Limited Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Reliance Capital Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 868.100.000
2004 1.070.500.000 18.91%
2005 2.596.900.000 58.78%
2006 12.883.700.000 79.84%
2007 32.332.700.000 60.15%
2008 1.222.200.000 -2545.45%
2009 17.100.000 -7047.37%
2010 1.509.600.000 98.87%
2011 1.750.000.000 13.74%
2012 3.300.000.000 46.97%
2013 3.720.000.000 11.29%
2014 4.100.000.000 9.27%
2015 3.780.000.000 -8.47%
2016 4.350.000.000 13.1%
2017 4.280.000.000 -1.64%
2018 2.120.000.000 -101.89%
2019 1.830.000.000 -15.85%
2020 1.000.000.000 -83%
2021 896.000.000 -11.61%
2022 1.205.300.000 25.66%
2023 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Reliance Capital Limited EBITDA
Year EBITDA Growth
2003 1.709.000.000
2004 1.661.900.000 -2.83%
2005 5.852.900.000 71.61%
2006 7.862.700.000 25.56%
2007 8.418.900.000 6.61%
2008 19.689.700.000 57.24%
2009 19.811.600.000 0.62%
2010 14.432.000.000 -37.28%
2011 25.850.000.000 44.17%
2012 31.670.000.000 18.38%
2013 33.120.000.000 4.38%
2014 38.110.000.000 13.09%
2015 44.590.000.000 14.53%
2016 45.610.000.000 2.24%
2017 57.380.000.000 20.51%
2018 -54.270.000.000 205.73%
2019 -47.360.000.000 -14.59%
2020 -118.075.700.000 59.89%
2021 -100.894.100.000 -17.03%
2022 -19.516.800.000 -416.96%
2023 -10.114.000.000 -92.97%
2023 11.331.700.000 189.25%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Reliance Capital Limited Gross Profit
Year Gross Profit Growth
2003 4.580.300.000
2004 4.258.900.000 -7.55%
2005 9.470.500.000 55.03%
2006 21.578.600.000 56.11%
2007 49.191.900.000 56.13%
2008 59.758.000.000 17.68%
2009 50.848.900.000 -17.52%
2010 53.868.200.000 5.6%
2011 65.770.000.000 18.1%
2012 47.510.000.000 -38.43%
2013 47.460.000.000 -0.11%
2014 57.850.000.000 17.96%
2015 69.000.000.000 16.16%
2016 141.730.000.000 51.32%
2017 152.220.000.000 6.89%
2018 50.570.000.000 -201.01%
2019 -35.590.000.000 242.09%
2020 14.290.000.000 349.06%
2021 14.995.500.000 4.7%
2022 30.799.500.000 51.31%
2023 237.375.200.000 87.02%
2023 41.107.500.000 -477.45%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Reliance Capital Limited Net Profit
Year Net Profit Growth
2003 1.222.600.000
2004 1.242.200.000 1.58%
2005 5.713.700.000 78.26%
2006 7.032.100.000 18.75%
2007 10.090.600.000 30.31%
2008 10.156.700.000 0.65%
2009 4.345.300.000 -133.74%
2010 2.911.800.000 -49.23%
2011 4.580.000.000 36.42%
2012 6.410.000.000 28.55%
2013 5.860.000.000 -9.39%
2014 8.770.000.000 33.18%
2015 11.890.000.000 26.24%
2016 10.840.000.000 -9.69%
2017 11.310.000.000 4.16%
2018 -15.130.000.000 174.75%
2019 -10.750.000.000 -40.74%
2020 -94.040.000.000 88.57%
2021 -81.156.500.000 -15.87%
2022 -17.785.600.000 -356.3%
2023 -10.508.000.000 -69.26%
2023 2.325.800.000 551.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Reliance Capital Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 14
2004 3 -550%
2005 32 93.55%
2006 31 -3.33%
2007 41 26.83%
2008 41 0%
2009 18 -141.18%
2010 12 -54.55%
2011 19 38.89%
2012 33 45.45%
2013 30 -10%
2014 41 25%
2015 44 6.98%
2016 43 -2.38%
2017 45 4.55%
2018 -60 173.33%
2019 -43 -42.86%
2020 -375 88.77%
2021 -323 -15.79%
2022 -71 -361.43%
2023 -38 -84.21%
2023 18 323.53%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Reliance Capital Limited Free Cashflow
Year Free Cashflow Growth
2003 -2.233.300.000
2004 4.232.700.000 152.76%
2005 -12.108.900.000 134.96%
2006 -4.618.800.000 -162.17%
2007 19.595.300.000 123.57%
2008 32.251.400.000 39.24%
2009 -4.264.600.000 856.26%
2010 12.002.300.000 135.53%
2011 -31.030.000.000 138.68%
2012 4.170.000.000 844.12%
2013 12.820.000.000 67.47%
2014 -30.700.000.000 141.76%
2015 -3.860.000.000 -695.34%
2016 -15.950.000.000 75.8%
2017 -54.720.000.000 70.85%
2018 -84.080.000.000 34.92%
2019 130.280.000.000 164.54%
2020 39.050.000.000 -233.62%
2021 39.020.100.000 -0.08%
2022 51.483.500.000 24.21%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Reliance Capital Limited Operating Cashflow
Year Operating Cashflow Growth
2003 -2.197.600.000
2004 4.282.800.000 151.31%
2005 -12.050.200.000 135.54%
2006 -4.017.900.000 -199.91%
2007 20.641.100.000 119.47%
2008 32.251.400.000 36%
2009 -3.834.700.000 941.04%
2010 12.988.400.000 129.52%
2011 -29.730.000.000 143.69%
2012 4.720.000.000 729.87%
2013 14.710.000.000 67.91%
2014 -29.780.000.000 149.4%
2015 -2.250.000.000 -1223.56%
2016 -11.210.000.000 79.93%
2017 -50.650.000.000 77.87%
2018 -83.520.000.000 39.36%
2019 130.280.000.000 164.11%
2020 40.580.000.000 -221.04%
2021 40.257.700.000 -0.8%
2022 52.490.300.000 23.3%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Reliance Capital Limited Capital Expenditure
Year Capital Expenditure Growth
2003 35.700.000
2004 50.100.000 28.74%
2005 58.700.000 14.65%
2006 600.900.000 90.23%
2007 1.045.800.000 42.54%
2008 0 0%
2009 429.900.000 100%
2010 986.100.000 56.4%
2011 1.300.000.000 24.15%
2012 550.000.000 -136.36%
2013 1.890.000.000 70.9%
2014 920.000.000 -105.43%
2015 1.610.000.000 42.86%
2016 4.740.000.000 66.03%
2017 4.070.000.000 -16.46%
2018 560.000.000 -626.79%
2019 0 0%
2020 1.530.000.000 100%
2021 1.237.600.000 -23.63%
2022 1.006.800.000 -22.92%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Reliance Capital Limited Equity
Year Equity Growth
2003 15.248.900.000
2004 14.931.200.000 -2.13%
2005 42.114.200.000 64.55%
2006 53.023.800.000 20.57%
2007 66.096.900.000 19.78%
2008 74.533.600.000 11.32%
2009 77.039.800.000 3.25%
2010 77.899.500.000 1.1%
2011 117.680.000.000 33.8%
2012 119.710.000.000 1.7%
2013 123.910.000.000 3.39%
2014 133.240.000.000 7%
2015 141.430.000.000 5.79%
2016 153.340.000.000 7.77%
2017 152.070.000.000 -0.84%
2018 7.480.000.000 -1933.02%
2019 -16.730.000.000 144.71%
2020 -108.010.000.000 84.51%
2021 -190.240.800.000 43.22%
2022 -112.288.700.000 -69.42%
2023 -105.551.200.000 -6.38%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Reliance Capital Limited Assets
Year Assets Growth
2003 37.586.800.000
2004 29.880.200.000 -25.79%
2005 47.184.000.000 36.67%
2006 74.366.400.000 36.55%
2007 185.007.900.000 59.8%
2008 241.974.500.000 23.54%
2009 261.190.200.000 7.36%
2010 319.654.800.000 18.29%
2011 353.430.000.000 9.56%
2012 405.880.000.000 12.92%
2013 455.280.000.000 10.85%
2014 474.400.000.000 4.03%
2015 671.120.000.000 29.31%
2016 822.090.000.000 18.36%
2017 938.510.000.000 12.4%
2018 839.730.000.000 -11.76%
2019 647.820.000.000 -29.62%
2020 648.780.000.000 0.15%
2021 636.894.800.000 -1.87%
2022 663.411.800.000 4%
2023 712.933.400.000 6.95%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Reliance Capital Limited Liabilities
Year Liabilities Growth
2003 22.001.500.000
2004 14.598.000.000 -50.72%
2005 4.682.900.000 -211.73%
2006 21.342.600.000 78.06%
2007 118.404.200.000 81.97%
2008 166.608.300.000 28.93%
2009 183.212.900.000 9.06%
2010 240.127.300.000 23.7%
2011 234.440.000.000 -2.43%
2012 281.010.000.000 16.57%
2013 325.930.000.000 13.78%
2014 334.470.000.000 2.55%
2015 515.210.000.000 35.08%
2016 652.440.000.000 21.03%
2017 768.900.000.000 15.15%
2018 832.250.000.000 7.61%
2019 664.550.000.000 -25.24%
2020 756.790.000.000 12.19%
2021 827.135.600.000 8.5%
2022 775.700.500.000 -6.63%
2023 818.484.600.000 5.23%

Reliance Capital Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
718.66
Net Income per Share
-49.77
Price to Earning Ratio
-0.31x
Price To Sales Ratio
0.02x
POCF Ratio
145.49
PFCF Ratio
133.37
Price to Book Ratio
-0.04
EV to Sales
0.86
EV Over EBITDA
-13.12
EV to Operating CashFlow
5917.46
EV to FreeCashFlow
5917.46
Earnings Yield
-3.27
FreeCashFlow Yield
0.01
Market Cap
3,84 Bil.
Enterprise Value
170,42 Bil.
Graham Number
683.21
Graham NetNet
-2860.61

Income Statement Metrics

Net Income per Share
-49.77
Income Quality
-0
ROE
0.09
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
1.17
EBT Per Ebit
0.92
Ebit per Revenue
-0.06
Effective Tax Rate
-0.07

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.14
Operating Profit Margin
-0.06
Pretax Profit Margin
-0.05
Net Profit Margin
-0.06

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.1
Free CashFlow per Share
0.1
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
-0.22
Return on Tangible Assets
-0.02
Days Sales Outstanding
50.4
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
7.24
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
34,18
Book Value per Share
-416,87
Tangible Book Value per Share
-566.55
Shareholders Equity per Share
-416.87
Interest Debt per Share
639.27
Debt to Equity
-1.53
Debt to Assets
0.25
Net Debt to EBITDA
-12.82
Current Ratio
1.65
Tangible Asset Value
-156,17 Bil.
Net Current Asset Value
-781,71 Bil.
Invested Capital
-1.53
Working Capital
14,44 Bil.
Intangibles to Total Assets
0.07
Average Receivables
26,33 Bil.
Average Payables
20,55 Bil.
Average Inventory
0
Debt to Market Cap
45.82

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Reliance Capital Limited Dividends
Year Dividends Growth
2003 3
2004 3 0%
2005 3 33.33%
2006 3 0%
2007 4 0%
2008 6 40%
2009 7 16.67%
2010 7 0%
2011 7 0%
2012 13 50%
2013 8 -50%
2014 9 0%
2015 9 11.11%
2016 10 10%
2017 11 0%
2018 11 9.09%

Reliance Capital Limited Profile

About Reliance Capital Limited

Reliance Capital Limited, a non-banking financial company, primarily engages in lending and investing activities in India. It operates through Finance & Investment, General Insurance, Life Insurance, Commercial Finance, and Others segments. The company offers life, health, and general insurance products; brokerage and distribution services, including equities, commodities and derivatives, wealth management services, portfolio management services, and financial products; and commercial finance services, such mortgages, loans against property, SME loans, loans for vehicles, loans for construction equipment, business loans, infrastructure financing, and retail finance. It also provides asset reconstruction, and proprietary investments services, as well as other financial and allied services. The company was formerly known as Reliance Capital & Finance Trust Limited and changed its name to Reliance Capital Limited in January 1995. Reliance Capital Limited was incorporated in 1986 and is based in Mumbai, India.

CEO
Mr. Rakesh Jain
Employee
18.360
Address
Trade World
Mumbai, 400013

Reliance Capital Limited Executives & BODs

Reliance Capital Limited Executives & BODs
# Name Age
1 Mr. Atul Kumar Tandon
Company Secretary & Compliance Officer
70
2 Mr. Ashish Vohra
Executive Director & Chief Executive Officer of Reliance Nippon Life Insurance
70
3 Mr. Sudeep Ghoshal
Head of Administration & Infrastructure
70
4 Mr. Rakesh Jain
Executive Director & Chief Executive Officer of Reliance General Insurance
70
5 Mr. Aman Gudral
Chief Financial Officer
70
6 Mr. Rajib Gangopadhyay
Chief Risk Officer
70
7 Mr. Lav Ramji Chaturvedi C.F.A., CFA
Executive Director & Chief Executive Officer of Reliance Securities
70
8 Mr. Mehul Gandhi
Executive Director & Chief Executive Officer of Reliance Asset Reconstruction Company Limited
70

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