BOM/532955 (BOM/532955)

Bombay Stock Exchange: BOM/532955 · INR

₹290

+3.80 (+1.3%)· Recorded snapshot

Market cap	763.6B
Revenue (ttm)	225.7B
Net income (ttm)	150.6B
EPS (ttm)	₹57.2
P/E (trailing)	5.1x
P/E (forward)	4.5x
Dividend	₹17.1 (5.89%)
Volume	153,905

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 225.7B
Net income (ttm): 150.6B
EPS (ttm): ₹57.2
P/E (trailing): 5.1x
P/E (forward): 4.5x
Market cap: 763.6B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E4.5

P25 n/aP50 n/aP75 n/a

Trailing P/E5.1

P25 n/aP50 n/aP75 n/a

ROE16.9

P25 n/aP50 n/aP75 n/a

ROIC2.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BOM/532955 indicators

Market & fundamental data

Available fields

208

Groups with data

Currency

INR

Showing 208 of 208 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	INR
Country	India
Country code	IN
Earnings date	2026-10-29
Employees	590
Employees change	78
Employees growth	15.23%
Exchange	Bombay Stock Exchange
Financial currency	INR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	March
Founded	1969
Industry	Credit Services
Is primary listing	No
ISIN number	INE020B01018
Last earnings date	2026-07-24
Last refreshed	2026-10-28
Last stock split date	2022-08-17
Last stock split type	Forward
Market cap	INR 763.6B
Next earnings date	2026-10-29
Price	INR 290.20
Price currency	INR
Sector	Financials
SIC code	6159
Stock price date	2026-10-28
Symbol	bom/532955
Website	https://www.recindia.nic.in

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	5.12x
Average P/E ratio (10Y)	5.38x
Average P/E ratio (3Y)	7.1x
Average P/E ratio (5Y)	5.52x
Earnings yield	19.71%
FCF yield	-11.13%
Forward P/E	4.49x
Graham number	682.72319
Graham upside	135.26%
Industry forward P/E	11.14x
Industry P/E	12.93x
Lynch fair value	INR 580.24
Lynch upside	99.94%
P/B ratio	0.8x
P/E ratio	5.07x
P/S ratio	3.38x
Price / tangible book value	0.8x
Sector forward P/E	12.12x
Sector P/E	13.42x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	21.41%
Gross margin	97.87%
Operating margin	93.64%
Pretax margin	85.13%
Profit margin	66.91%
Profit per employee	INR 255.3M
Profitable quarters	35
Profitable years	22
Revenue per employee	INR 382.5M
ROA	2.3%
ROA (5Y)	2.63%
ROE	16.9%
ROE (5Y)	21.03%
ROIC	2.61%
ROIC (5Y)	2.77%
Tax / revenue	18.22%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-12.6%
EPS growth (Q)	-21.23%
EPS growth (QoQ)	-17.02%
EPS growth 10Y	20.96%
EPS growth 3Y	5.84%
EPS growth 5Y	10.14%
EPS growth years	6
Net income growth	-12.56%
Net income growth (Q)	-21.23%
Net income growth (QoQ)	-17.05%
Net income growth 3Y	5.84%
Net income growth 5Y	10.14%
Net income growth years	6
Operating income growth	-6.8%
Operating income growth (Q)	-18.19%
Operating income growth 3Y	8.9%
Operating income growth 5Y	11.89%
Revenue growth	-4.96%
Revenue growth (Q)	-12.85%
Revenue growth (QoQ)	-22.96%
Revenue growth 10Y	24.17%
Revenue growth 3Y	9.67%
Revenue growth 5Y	12.35%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	INR -634.7M
Depreciation and amortization	INR 265.7M
EPS	INR 57.21
Financing cash flow	INR 55.6B
Free cash flow	INR -85B
Gross profit	INR 220.8B
Income taxes	INR 41.1B
Investing cash flow	INR -17.7B
Net borrowing	INR 104B
Net cash flow	INR -46.5B
Net income	INR 150.6B
Operating income	INR 211.3B
Revenue	INR 225.7B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	INR 361.68
Debt / equity	6.06
Net cash (debt)	INR -5.5T
Net cash / market cap	-724.88%
Net debt / equity	5.81
Piotroski F-Score	3
Property, plant and equipment	INR 7.5B
Shareholders' equity	INR 952.2B
Tangible book value	INR 952.2B
Tangible book value per share	INR 361.68
Total assets	INR 6.7T
Total cash	INR 237.7B
Total debt	INR 5.8T
Total liabilities	INR 5.8T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.03
Current ratio	401.51
Quick ratio	401.45
Working capital	INR 6.4T
Working capital turnover	0.04

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-0.02%
Dividend growth	-13.2%
Dividend growth (10Y)	10.31%
Dividend growth (3Y)	6.64%
Dividend growth (5Y)	15.26%
Dividend growth years	4
Dividend payment date	2026-11-21
Dividend payment years	19
Dividend payout frequency	Quarterly
Dividend per share	INR 17.10
Dividend yield	5.89%
Ex-dividend date	2026-10-30
Last dividend	INR 3.50
Payout ratio	32.04%
Shareholder yield	5.87%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	182.55%
10Y return CAGR	19.43%
10Y total return	490.37%
150-day SMA	INR 337.91
15Y price change	332.59%
15Y return CAGR	17.78%
15Y total return	1,063.67%
1D price change	1.33%
1M price change	-8.15%
1M total return	-8.15%
1W price change	-5.17%
1W total return	-5.17%
1Y price change	-23.4%
1Y return CAGR	-20.47%
1Y total return	-20.46%
20-day SMA	INR 299.05
200-day SMA	INR 342.70
3M price change	-22.23%
3M total return	-20.98%
3Y price change	4.95%
3Y return CAGR	6.17%
3Y total return	19.66%
50-day SMA	INR 310.47
50-day SMA vs 200-day SMA	50under200
52-week high	INR 388.00
52-week high date	2025-10-29
52-week low	INR 283.75
52-week low date	2026-10-27
5Y price change	144.24%
5Y return CAGR	28.17%
5Y total return	245.77%
6M price change	-24.26%
6M total return	-23.05%
All-time high	INR 653.90
All-time high date	2024-07-12
All-time low	INR 20.08
All-time low date	2008-11-28
Average true range (ATR)	INR 8.00
Average volume	513.1K
Change from 52-week high	-25.21%
Change from 52-week low	2.27%
Change from all-time high	-56.2%
Change from all-time low	1,326.22%
Change from open	1.33%
Day's gap	0%
Dollar volume	INR 44.7M
High price	INR 293.30
Low price	INR 284.00
Monthly RSI	40.01
Open price	INR 286.40
Position in 52-week range	66.67%
Previous close	INR 286.40
Price vs 150-day SMA	-15.24%
Price vs 20-day SMA	-4.23%
Price vs 200-day SMA	-16.43%
Price vs 50-day SMA	-7.75%
Relative volume	0.3
RSI	39.04
Sharpe ratio	-0.73
Sharpe ratio (3Y)	0.21
Sharpe ratio (5Y)	0.76
Sortino ratio	-0.8
Sortino ratio (3Y)	0.43
Sortino ratio (5Y)	1.27
Volume	153.9K
Weekly RSI	32.18
YTD price change	-19.74%
YTD total return	-16.66%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.2B
Shares change (QoQ)	-0.04%
Shares change (YoY)	0.02%
Shares held by insiders	0%
Shares held by institutions	23.62%

Deeper analysis on BOM/532955

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BOM/532955 report

Is a complete BOM/532955 research report available?

No complete published report is available for bom/532955 (BOM/532955) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BOM/532955 (BOM/532955)

Price

Financial snapshot

Fair-value bridge

Latest news · BOM/532955

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BOM/532955 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BOM/532955

Frequently asked questions