REC stock
RECLTD.NSNSEREC Limited, Financial ServicesISIN INE020B01018
73Score 73 out of 100, Strong
Price and trend
61 / 100
Price history
−16% in one yearThe chart shows daily closes over 19 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 10% below it.
Since September 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 57).
The price is 21% below its 52-week high. Largest decline in 19 years: 63% (May 2017 to March 2020).
Chart figures for advanced users
- SMA 50$3.24
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$3.61
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)57
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$3.04
- The lowest closing price of the last twelve months.
- Resistance$4.11
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- REC Limited belongs to the Financial (Credit Services) industry (India) and, with a market value of $8.56B, is number 19 of 61 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $2.36B (up 1.2% year on year) and earnings of $1.74B (up 2.7%).
- For fiscal 2027, analysts expect on average revenue of $2.44B (up 3.2%) and adjusted earnings per share of $0.65 (down 1.7%).
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- MEQIRI Score 73 out of 100 (Strong): rank 313 of 976 in Financial Services, median 68.
- The P/E is 5.3 (Financial (Credit Services) median 14.4, own median of recent years 5).
- Our model puts fair value at $6.60, with the price 50% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 17.3% over the last 12 months.Profitability 75
- Below fair valuePrice 50% below the fair value of $6.60.Valuation 100
- High dividend yieldDividend yield 5.51%, Financial (Credit Services) median 1.97%.Capital allocation 74
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and fundamentals, while momentum holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk not measured
How well MEQIRI warnsFor stocks from Japan, China, Hong Kong, Taiwan, Korea, Canada, India and Brazil we only show crash risk once a separate backtest shows that it warns as well there as in the US and Europe.
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $4.71 and expensive above $10.99 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $4.37 (excess return model) and $8.82 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 16.2%. At 17.2% the fair value would be $6.38, at 15.2% it would be $6.86.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (14.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2026, revenue rose 1.2% on the prior year. Revenue has grown strongly since 2009, at around 16% per year. From 2009 revenue is reported differently (for example gross instead of net), so earlier years are not comparable and not shown.
Margins
- Operating margin
- Net margin
In fiscal 2026: operating 260%, net 74%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. From 2009 revenue is reported differently (for example gross instead of net), so earlier years are not comparable and not shown.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 84 days
- Last reported
- 26 Oct 2026EPS reported $0.14 (expected $0.16)below expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 4.1% since 23 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $0.65−4.1%
- Revenue
- $2.44B−1.7%
- Earnings per share
- $0.68−2.8%
- Revenue
- $2.6B−1.2%
MEQIRI has stored the estimates since 23 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at REC
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 73
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Power FinancePFC.NS $12.13B74
- Indian Railway FinanceIRFC.NS $12.09B51
- Mitsubishi HC Capital8593.T $11.97B48
- Ally FinancialALLY $11.48B63
- FirstCash HoldingsFCFS $7.89B68
- L&T FinanceLTF.NS $7.26B66
- EdenredEDEN.PA $6.68B70
- Jiangsu Financial Leasing600901.SS $6.56B74
ETFs that hold REC
Held by 23 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Edge MSCI EM Value Factor UCITS ETF5MVL | 0.33% | 0.40% | €1.48B |
| iShares MSCI India UCITS ETFQDV5 | 0.26% | 0.65% | €4.91B |
| iShares MSCI EM Asia UCITS ETFCEBL | 0.04% | 0.20% | €6.97B |
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| Vanguard FTSE Emerging Markets UCITS ETF (USD) AccumulatingVFEA | 0.04% | 0.17% | €5.24B |
| iShares MSCI EM UCITS ETF USD (Acc)EUNM | 0.04% | 0.18% | €9.04B |
| iShares MSCI EM IMI Screened UCITS ETF USD (Acc)AYEM | 0.03% | 0.18% | €5.15B |
| Amundi Core MSCI Emerging Markets UCITS ETF EUR DistAEMD | 0.03% | 0.18% | €9.12B |
| iShares Core MSCI EM IMI UCITS ETFIS3N | 0.03% | 0.18% | €37.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Mar 2026
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = ₹93.6946)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.