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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
REC
REC (RECLTD) investor relations material
REC Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary29 Oct, 2026
Executive summary
H1 FY27 loan book reached ₹6.17 lakh crore, up 6% YoY; net worth rose 14% to ₹94,325 crore, while standalone PAT declined to ₹7,541 crore from ₹8,877 crore.
H1 disbursements approached ₹90,000 crore, including ₹79,207 crore in power-sector lending, described as highest among peers.
Net credit-impaired assets improved to 0.11% from 0.24% YoY; renewable loan assets reached ₹86,660 crore.
Declared a second FY27 interim dividend of ₹3.50 per share, following ₹4.25 for Q1.
Financial highlights
H1 total income was ₹29,068 crore, net interest income ₹10,116 crore and PBT ₹9,483 crore; PAT was ₹7,541 crore standalone and ₹7,670 crore consolidated.
H1 standalone revenue from operations was ₹29,158 crore, versus ₹29,810 crore YoY; consolidated PAT was ₹7,670 crore versus ₹8,881 crore.
H1 interest income was ₹28,398 crore and finance cost ₹18,282 crore; net interest income was ₹10,116 crore versus ₹10,687 crore YoY.
H1 annualized EPS was ₹57.27 and book value per share ₹358.21.
Outlook and guidance
FY27 loan-book growth target is 10%-12%; management expects NIM to remain near 3.22% amid ongoing pricing pressure.
Disbursement target exceeds ₹2 lakh crore, supported by a ₹2.5 lakh crore committed order book and ₹70,000 crore of documented projects awaiting disbursement.
Management expects H2 disbursements to make up for weaker Q1, with projects across distribution, transmission, renewables and infrastructure.
Prepayments were ₹19,000 crore in H1 FY27 after nearly ₹1 lakh crore last year; management said they had peaked and expected no major further yield downside.
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Latest events from REC
- Record FY05 profits and lending supported a major rural electrification expansion.RECLTD
Q4 04/05 - Record lending growth was offset by lower one-time income and material audit concerns.RECLTDQ4 05/06
- Record lending growth and power-sector expansion, with tax provisions tempering PAT gains.RECLTDQ4 06/07
- PAT rose 48% as disbursements climbed 37% and gross NPAs fell to 0.14%.RECLTDQ4 08/09
- Record FY08 growth and new autonomy positioned lending for a major power-sector buildout.RECLTDQ4 07/08
- Record lending growth and a deferred-tax reversal drove FY10 earnings higher.RECLTDQ4 09/10
- PAT rose 10% as disbursements climbed to Rs 30,593 crore.RECLTDQ4 11/12
- Profit and loan sanctions surged as gross NPAs stayed at 0.02%.RECLTDQ4 10/11
- FY13 profits and lending surged as low NPAs met rising sector and funding risks.RECLTDQ4 12/13
- Higher FY14 profit and loan growth offset lower lending flows and persistent sector risks.RECLTDQ4 13/14
Next REC earnings date
Q3 26/2728 Jan, 2027
REC
Next REC earnings date
Q3 26/2728 Jan, 2027
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