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Religare Enterprises Limited (532915) Fair Value & Analysis

Financial · IN · Market cap ₹12.6B

RE Religare Enterprises Limited 532915 · BSE
Price₹234.60
Fair Value₹69.27
Upside-70.5%
Quality54/100
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Healthy Growth
Loss-making · -39.8% net margin
Low debt
Narrow moat 14/100
Evidence: High Range ₹69.27 – ₹78.57 Share as image

Fair value as of: Aug 13, 2026

From 13 valuation models · updated yesterday

Share price −12.5% over the past month.

A solid business, but screening 70% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (₹78.57). The favourable scenario is already priced in.
  • Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
  • The models converge in a tight band (₹69.27 to ₹78.57), unusually little disagreement for a valuation.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

₹308.45 ₹83.10 Fair Value ₹69.27 Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range ₹83.10 – ₹308.45 · fair‑value band ₹69.27 – ₹78.57 · the ₹234.60 price screens above the ₹69.27 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Religare Enterprises Limited (532915) currently trades at ₹234.60, while our model-based Fair Value estimate is ₹69.27, implying the stock looks roughly 70.5% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Religare Enterprises Limited generated revenue of ₹23.8B at a net margin of -39.8%. Revenue declined 5.1% year over year. Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹69.27 (bear case) to ₹78.57 (bull case); at ₹234.60, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 19% above its 52-week low. For context, the median of 10 Financial peers we cover trades at -28% fair-value upside, at -70%, 532915 screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF ₹849.61 ₹1,744 ₹3,178 80
Residual Income ₹74.44 ₹75.22 ₹71.89 76
Rev-Margin DCF ₹320.54 ₹461.34 ₹658.39 74
All 13 models by family
DCF Models
Owner Earnings ₹98.15 ₹195.39 ₹385.35 31
5Y P/E Exit ₹297.22 ₹401.74 ₹509.46 38
10Y P/E Exit ₹473.57 ₹652.25 ₹888.12 35
Earnings-Based
Graham-Dodd ₹32.88 ₹199.13 ₹277.66 54
Lynch FV ₹56.89 ₹81.28 ₹105.66 50
Dividend Discount
Gordon GGM ₹13.37 ₹27.79 ₹44.09 70
DDM Multi-Stage ₹13.37 ₹23.44 ₹29.17 61
Multiples
P/E Multiple ₹47.14 ₹62.86 ₹78.57 63
P/B Multiple ₹61.65 ₹82.20 ₹102.75 55
Asset-Based
NCAV (Graham) ₹48.58 ₹65.10 ₹97.16 50
Growth DCF
Growth DCF ₹849.61 ₹1,744 ₹3,178 80
Rev-Margin DCF ₹320.54 ₹461.34 ₹658.39 74
Economic Profit
Residual Income ₹74.44 ₹75.22 ₹71.89 76

Widest divergence: Growth DCF (₹461.34) versus Dividend Discount (₹23.44). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) ₹23.8B
Revenue growth (YoY) -5.1%
Net margin -39.8%
Return on equity -164%
Operating margin -20.9%
EPS (TTM) ₹-44.30

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 54/100

Of which business quality 56 · Market factors (momentum, volatility) 47

Profitability 42
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 92
Earnings quality: real cash, not paper profit
Fin. Strength 8
Balance sheet, leverage, solvency risk
Investment 84
Disciplined investing over empire-building
Low Volatility 67
Calm price path (market factor)
Momentum 43
Price trend over the last 3–12 months (market factor)
52W Momentum 32
Distance to the 52-week high (market factor)
Net Issuance 74
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Religare Enterprises Limited operates as a core investment company in India and internationally. The company offers broking services in equities, commodities, and currencies; depository participant services; and TIN and PAN facilities, as well as operates as an NSDL-appointed enrolment agency for Aadhaar unique identification number and an AMFI-registered …

Full company description

Religare Enterprises Limited operates as a core investment company in India and internationally. The company offers broking services in equities, commodities, and currencies; depository participant services; and TIN and PAN facilities, as well as operates as an NSDL-appointed enrolment agency for Aadhaar unique identification number and an AMFI-registered mutual fund distributor. It also provides finance for small and medium enterprises and housings, as well as health insurance products and services. In addition, the company operates an online investment portal; and provides e-governance and financial advisory services. Religare Enterprises Limited was incorporated in 1984 and is based in Noida, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Religare Enterprises Limited reported revenue of ₹73.5B in FY2025 versus ₹24.9B in FY2021, a compound +31.1%/yr. Reported net income was ₹1.3B in FY2025.

Growth Quality 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
₹73.5B
Latest YoY
+17.9%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+31.6%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+25.6%
Avg. growth/yr (11Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+14.3%
Revenue +31.1%/yr
FY21 ₹24.9B
FY22 ₹32.2B
FY23 ₹46.8B
FY24 ₹62.3B
FY25 ₹73.5B
Net income
FY21 −₹5.1B
FY22 −₹15.4B
FY23 ₹30.8B
FY24 ₹2.3B
FY25 ₹1.3B

532915 screens 70% overvalued. Compare with Arihant Capital Markets Limited →

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Cite: Fair Value Calculator (2026). "Religare Enterprises Limited Fair Value". https://www.fairvalue-calculator.com/stock/532915

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

Is Religare Enterprises Limited (532915) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹69.27 versus a price of ₹234.60, about −70% (overvalued).
What is the fair value of 532915?
Our model-based fair value for Religare Enterprises Limited is ₹69.27 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹234.60.
What is the quality score of 532915?
Religare Enterprises Limited has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Religare Enterprises Limited (532915)?
Religare Enterprises Limited reported trailing-twelve-month revenue of about ₹23.8B (latest available figure, as of Aug 13, 2026).
What is the net profit margin of 532915?
The net profit margin of Religare Enterprises Limited is about -39.8%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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