REC Limited (RECLTD)
Large CapFinancial Services stocks · Large cap · NSE
REC Limited operates in NBFC / Capital Markets, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
One read, four checks
75+ is strong, 60-74 is usable, 45-59 is mixed, and below 45 needs caution. These are research lenses, not buy/sell instructions.
Investable fundamentals, management trust needs verification, price trend argues for patience, and recent execution is weak.
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
low confidence · 0/0 claims checked
Timing lens: price trend and sector relative strength.
Rolling lens: recent quarterly delivery, not the latest single-result score.
Quarter ended 30 Jun 2026
Bad · 0/100Rev -2% YoY · PAT -6% YoY
| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹14,435 Cr | -2.0% | -0.9% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹4,193 Cr | -6.1% | +24.2% |
| PAT margin | 29.1% | -125 bps | +588 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Business & thesis
Growth engines, tailwinds/headwinds, and risk radar from management commentary
Business & thesis
Growth engines, tailwinds/headwinds, and risk radar from management commentary
Issuer presentation review pending
REC Limited operates in NBFC / Capital Markets, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Management accountability
What management said, and what results must prove
Management accountability
What management said, and what results must prove
Trend score and candlestick chart
19Strong Bearfull bear SMA stack · SMA20 -9.2% / mo · MACD −
Technical chart
RECLTDdaily · 1Y · AUTO-6.8%Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 36.
- Price < SMA20 < SMA50 < SMA200 — full bearish stack.
- Recent death cross (SMA50 crossed below SMA200).
- SMA20 falling (~10.2% over last month) — short-term momentum negative.
- RSI(14) at 36 — rising, no extreme reading.
- MACD below signal but histogram contracting — bearish momentum easing.
- Within 5% of 52-week low — testing support.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Relative Strength & Trend Stage
- Price is 8.2% below the 30-week proxy without full trend alignment.
- The 30-week proxy changed -1.5% over 20 sessions.
- The moving-average structure does not confirm Stage 2 or Stage 4.
Valuation & score drivers
U-Score 61 · UNDERVALUED · pillar breakdown, sector model, fair-value anchor
Valuation & score drivers
U-Score 61 · UNDERVALUED · pillar breakdown, sector model, fair-value anchor
Fundamental score breakdown
UNDERVALUEDWhy this score?
Top U-Score contributors and drags from the latest stored fundamentals.
Positive drivers
- FCF yield is supportive at 3.2%.
- Fair-value margin of safety is positive at 81.2%.
- Valuation contributes 29/30 to the score.
Main drags
- Altman Z is 0.3, in distress territory.
- Balance sheet is weaker at 1/15; verify the latest quarterly trend.
- Cash flow is weaker at 4/10; verify the latest quarterly trend.
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Score history
12 stored score snapshots. Latest stored move: +1 points.
Factor attribution
Modelled fair value
Trust score
Does management behaviour match later outcomes? Claim delivery, forensic breakdown, evidence depth
Trust score
Does management behaviour match later outcomes? Claim delivery, forensic breakdown, evidence depth
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Mixed Trust: Claim history is still being built. It ranks around the 23rd percentile of the scored universe and 39th percentile within Financial Services. Main check: balance sheet trust is weak at 22/100.
Mixed Trust Lite: Promoter pledge is zero. Key concern: Debt/equity is 6.10.
Usable, but needs evidence. Treat guidance with a margin of safety.
overall median 67 · Financial Services: 39th pctile, median 62 · Large: 13th pctile, median 73
39 documents have extracted text, but claim history is not strong enough yet.
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Mixed Trust · low confidenceRead Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Trust positives
- ▸Promoter pledge is zero.
- ▸FCF yield is positive at 3.2%.
Trust risks
- ▸Debt/equity is 6.10.
- ▸Altman Z is 0.32.
- ▸1/4 latest quarters had positive YoY PAT growth.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Financials
Full fundamentals table and 10-year revenue / profit / ROE history
Financials
Full fundamentals table and 10-year revenue / profit / ROE history
Fundamentals
Valuation
- P/E
- 5.23
- P/B
- 0.99
- EV/EBITDA
- 22192.78
- Market Cap
- 83921.00Cr
Profitability
- ROE
- 20.10%
- ROCE
- 9.71%
- ROA
- 2.50%
- Dividend Y
- 5.82%
Growth (CAGR)
- Revenue 5Y
- 11.00%
- EPS 5Y
- 14.00%
- Revenue 3Y
- 15.00%
- EPS 3Y
- 14.00%
Balance Sheet
- Debt/Equity
- 6.10
- Interest Coverage
- —
- Altman Z
- 0.32
- Book Value
- 321.00
Cash Flow
- FCF Yield
- 3.17%
- FCF Positive Y
- 2/5
- OCF
- 5972.00 Cr
- EPS TTM
- 60.90
Shareholding
- Promoter Hold
- 52.63%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 17%
Financial History
Updated 5/9/2026
Revenue
₹ CrNet Profit
₹ CrReturn on Equity
%Peers
Business-comparable names in Financial Services, ranked by similarity
Peers
Business-comparable names in Financial Services, ranked by similarity
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.