Religare Enterprises Ltd
Religare Enterprises Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Insurance Business (Care Health Insurance): - Retail business grew by 41% YoY on a full premium basis in the recent quarter. Care Health Insurance shows strong growth with retail premium growth at 41% YoY on full premium basis.
From Religare Enterprises Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Insurance Business (Care Health Insurance):
- Retail business grew by 41% YoY on a full premium basis in the recent quarter.
- Market share in retail health insurance continues to expand, currently 11.4% of the industry.
- Full premium basis growth for the current year at 21.5%.
- Focus on digital transformation, improving efficiency and customer experience.
- Financial Services (Religare Finvest and Broking):
- Reorganization and demerger expected to unlock value and enable focused growth.
- Lending business yet to restart fully; sufficient capital to fuel growth once ramp-up begins.
- Broking business revenues grew 12% YoY; significant increase in client debit book (93% YoY).
- Plans to expand lending and broking with new leadership hires targeting multifold franchise growth.
- Overall:
2 more points management made on revenue & sales performance
Profitability & Margins
See what Religare Enterprises Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- Post capital infusion of INR600 crores (INR250 crores already infused in Care Health Insurance), Religare aims to maintain solvency margin at 1.7 or above.
- Additional capital raising options include raising subordinated debt up to INR1,000 crores.
- Out of the INR1,500 crores raised via warrants, INR410 crores has been received so far; INR256 crores infused in CARE, rest allocated to subsidiaries including broking and housing.
- Plans to leverage financial services subsidiaries further from their current unleveraged position (e.g., Religare Finvest sitting on INR500 crores cash).
- INR250 crores infusion planned in housing finance to start leveraging and expanding franchise.
2 more points management made on capital expenditure plans
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what Religare Enterprises Ltd said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
2 more points management made on order book & pipeline
Religare Enterprises Ltd — Quarterly revenue & net profit
Reported quarterly figures (₹ Cr). Latest: revenue ₹2.5K Cr, net profit ₹96 Cr. Revenue and profit are scaled separately — hover a quarter for exact figures.
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What Religare Enterp.'s management said in earlier quarters
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Frequently Asked Questions
What were Religare Enterprises Ltd Q3 FY26 results?
Insurance Business (Care Health Insurance): - Retail business grew by 41% YoY on a full premium basis in the recent quarter. Care Health Insurance shows strong growth with retail premium growth at 41% YoY on full premium basis.
What is Religare Enterprises Ltd share price analysis?
Religare Enterprises Ltd currently shows a neutral. The stock trades at a P/E of 99.6 with a market cap of ₹8,562 Cr. Investors should review the full earnings analysis for detailed insights.
Is Religare Enterprises Ltd planning capital expenditure?
Post capital infusion of INR600 crores (INR250 crores already infused in Care Health Insurance), Religare aims to maintain solvency margin at 1.7 or above.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.