Religare Enterprises Limited
Momentum (51/100) does the heavy lifting; valuation (6/100) is the drag.
ExpensiveSolvency riskStocksWizard rates Religare Enterprises Limited a Strong Sell, scoring 27/100 on our blended model. At ₹247.55 it trades above our blended DCF and relative-multiples fair value of ₹123.78, about 50% downside to that estimate — we read it as overvalued by 50%. On 100.0x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 11% below its 52-week high of ₹278.36 and 23% above the low of ₹201.11. Financial health scores 6/100, with a Piotroski F-score of 4/9. It clears 4 of 12 investability checks, with durability 24, valuation 12 and momentum 51 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹99.02.
1-year price
EOD · 2026-09-1552-week range
-11.07% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Sell27Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 2.0%
- Pass: Low debt (D/E < 0.5): 0.13x
- Pass: Positive free cash flow
- Pass: Revenue growth > 10%: 22%
- Fail: Earnings growing: -17%
- Fail: Net margin ≥ 10%: 1.0%
- Fail: Current ratio > 1.5: 0.36
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Shareholding
- Promoter48.1%
- Institutions6.9%
- Public & other45.0%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
Opportunities
- Revenue growing (22% YoY).
Bear case
Weaknesses
- Low return on equity (2.0%).
Threats
- Earnings contracting year on year.
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About Religare Enterprises Limited
Religare Enterprises Limited operates financial services across India and internationally through four segments: investment and financing activities, broking, e-governance, and insurance. The company provides financing to small and medium enterprises and offers housing finance products including home-purchase, construction, and improvement loans.
Religare Enterprises Limited — frequently asked questions
Is Religare Enterprises Limited a buy, hold or sell?
StocksWizard currently rates Religare Enterprises Limited (RELIGARE) a Strong Sell, based on a blended score of 27/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Religare Enterprises Limited's fair value?
Our blended DCF and relative-valuation model estimates Religare Enterprises Limited's fair value at about ₹123.78, versus a current price of ₹247.55 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Religare Enterprises Limited financially healthy?
Religare Enterprises Limited scores 6/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has Religare Enterprises Limited's share price performed?
Religare Enterprises Limited is up 1% over three months, and last traded at ₹247.55. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.