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Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
REC (RECLTD) investor relations material
REC Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary29 Oct, 2025
Executive summary
Achieved highest ever half-year profit of INR 8,877 crore, up 19% year-over-year, and record disbursements of INR 1,11,547 crore, a 27% increase.
Loan book reached INR 5.82 lakh crore, up 7% year-over-year, with net credit impaired assets reduced to 0.24%.
Asset quality improved significantly, with gross NPA at 1.06% and net NPA at 0.24%; stage two assets reduced by 52% due to major prepayments.
Board approved a second interim dividend of INR 4.60 per share, totaling INR 9.20 per share for H1 FY26.
Maintained highest domestic credit rating (AAA) and strong international ratings (Baa3, BBB-).
Financial highlights
Total income for H1 FY26 rose to INR 29,828 crore, up 12% year-over-year.
Net interest income increased to INR 10,608 crore, up 15% year-over-year.
Net worth increased 14% year-over-year to INR 82,739 crore.
Yield on loan assets was 10.06%, cost of funds at 7.17%, and net interest margin at 3.64%.
Return on net worth improved to 22.14%; interest coverage ratio at 1.62x.
Outlook and guidance
Confident of achieving 11%-12% loan growth for FY26, even after factoring in large prepayments.
On track to reach INR 10 lakh crore loan book by 2030, with renewables expected to contribute 30%.
Committed to Net Zero in Scope 1 & 2 emissions by 2035; 100% green power for corporate office and 93% EV/hybrid office fleet conversion achieved.
Anticipates continued strong demand in power, renewables, and infrastructure sectors.
No material deviations in the utilization of funds raised; all proceeds have been fully utilized as per stated objectives.
When will Sinnar & Hiranmaye assets resolve?
Impact of DISCOM privatization on AUM growth?
USD/INR depreciation impact on hedging costs?
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Next REC earnings date
Q3 25/269 Feb, 2026
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