Ruby Mills Limited (RUBYMILLS) AI Stock Analysis

• Market Cap: ₹6.94B
• Dividend Yield: 0.78%
• Average Volume (3M): 2.05K
• Price to Earnings (P/E): 13.1
• Beta (1Y): 1.82
• Revenue Growth: 31.27%
• EPS Growth: 38.24%
• Country: IN
• Employees: 188
• Sector: Consumer Defensive
• Sector Strength: 42
• Industry: Apparel - Manufacturers
• EPS (TTM): 3.29
• Shares Outstanding: 33,440,000
• 10 Day Avg. Volume: 726
• 30 Day Avg. Volume: 2,052
• PEG Ratio: -3.06
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 2.64
• P/FCF Ratio: -10.83
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: ₹242.00 ▲(10.76% Upside)

Ruby Mills Limited's overall stock score is driven primarily by its strong financial performance, particularly in profitability and equity stability. However, the stock faces challenges with modest revenue growth, increased debt levels, and negative cash flow. Technical analysis indicates mixed signals, with bearish momentum and potential overbought conditions. The valuation is reasonable, with a fair P/E ratio and modest dividend yield.

Positive Factors

Profitability

The company's high profit margins indicate efficient cost management and strong pricing power, which are crucial for long-term financial health and competitiveness in the textile industry.

Financial Stability

A strong equity ratio suggests financial stability and a lower risk of insolvency, providing the company with a solid foundation to withstand economic fluctuations and invest in growth opportunities.

Market Presence

Diverse market presence reduces dependency on a single market and enhances revenue stability. This strategic positioning supports long-term growth by tapping into various demand cycles and geographic opportunities.

Negative Factors

Cash Flow Issues

Negative cash flow indicates potential liquidity issues, which could hinder the company's ability to finance operations and growth initiatives, posing a risk to long-term sustainability if not addressed.

Debt Levels

Rising debt levels can increase financial risk and interest obligations, potentially limiting the company's ability to invest in growth and innovation, affecting its competitive position over time.

Modest Revenue Growth

Sluggish revenue growth may indicate challenges in market expansion or competitive pressures, which could impact the company's ability to scale and improve profitability in the long run.

Ruby Mills Limited Business Overview & Revenue Model

Company Description

The Ruby Mills Limited manufactures textile products in India. It operates in two segments, Textiles, and Real Estate. The company offers cotton, blended yarn, and fabrics, as well as engages in the real estate development and related activities. It also exports its products. The company was incorporated in 1917 and is based in Mumbai, India.

How the Company Makes Money

Ruby Mills Limited generates revenue primarily through the sale of its textile products. The company manufactures and sells fabrics made from cotton and blended materials to various segments including fashion brands, garment manufacturers, and retailers. Key revenue streams include domestic sales within India and exports to international markets. The company also leverages its advanced manufacturing facilities and strategic partnerships with fashion and textile brands to enhance its market presence and expand its customer base. Additional revenue may be generated through innovative product offerings and collaborations with designers to create exclusive fabric lines.

Ruby Mills Limited Financial Statement Overview

Summary

Ruby Mills Limited exhibits strong profitability with a solid gross profit margin of 52.2% and a net profit margin of 17.4%. The company maintains a robust equity position with an equity ratio of 61.4%. However, challenges include modest revenue growth of 2.4%, a decline in EBIT, increased debt-to-equity ratio, and concerning cash flow issues with negative free cash flow.

Income Statement

Ruby Mills Limited has demonstrated a strong gross profit margin of 52.2% and a net profit margin of 17.4% in the latest fiscal year. However, the revenue growth has been modest at 2.4% compared to the previous year. The EBIT margin is solid at 14.0%, and the EBITDA margin is healthy at 28.8%. Despite these strengths, the decline in EBIT from the previous year indicates some operational challenges.

Balance Sheet

The company maintains a robust equity position with an equity ratio of 61.4%, indicating financial stability. However, the debt-to-equity ratio has increased to 0.52, suggesting a rising reliance on debt financing. The return on equity is commendable at 6.6%, but there's room for improvement in optimizing equity returns.

Cash Flow

Ruby Mills' cash flow situation is concerning with a negative free cash flow of -591 million INR. The operating cash flow to net income ratio is negative, reflecting cash generation issues. The company's free cash flow to net income ratio is also negative, indicating a need to improve cash management strategies.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.65B	2.43B	2.29B	2.60B	1.59B	1.23B
Gross Profit	1.58B	1.27B	629.14M	1.70B	812.08M	885.20M
EBITDA	738.55M	698.34M	674.46M	545.07M	542.34M	470.02M
Net Income	455.67M	423.13M	445.43M	352.26M	310.47M	258.48M
Balance Sheet
Total Assets	0.00	10.38B	8.75B	9.60B	9.66B	10.48B
Cash, Cash Equivalents and Short-Term Investments	1.10B	1.10B	732.49M	1.03B	258.86M	465.34M
Total Debt	0.00	3.28B	2.13B	2.41B	2.80B	3.95B
Total Liabilities	-6.37B	4.01B	2.75B	4.00B	4.37B	5.49B
Stockholders Equity	6.37B	6.37B	6.00B	5.60B	5.29B	4.99B
Cash Flow
Free Cash Flow	0.00	-591.48M	227.73M	1.18B	813.62M	161.28M
Operating Cash Flow	0.00	-376.43M	499.57M	1.25B	950.06M	175.36M
Investing Cash Flow	0.00	-844.87M	-775.33M	4.67M	210.35M	14.82M
Financing Cash Flow	0.00	1.09B	-349.47M	-478.44M	-1.28B	-42.76M

Ruby Mills Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 218.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RUBYMILLS, the sentiment is Negative. The current price of 218.5 is below the 20-day moving average (MA) of 220.71, below the 50-day MA of 222.07, and below the 200-day MA of 220.81, indicating a bearish trend. The MACD of -1.86 indicates Positive momentum. The RSI at 33.39 is Neutral, neither overbought nor oversold. The STOCH value of 3.30 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:RUBYMILLS.

Ruby Mills Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LAMBODHARA	69 Neutral	₹1.15B	16.06	―	0.42%	13.13%	-2.13%
RUBYMILLS	64 Neutral	₹6.94B	13.13	―	0.78%	31.27%	38.24%
RSWM	64 Neutral	₹6.39B	80.06	―	―	5.54%	―
CHEVIOT	63 Neutral	₹5.87B	10.43	―	0.45%	21.72%	-26.78%
Sector *	62 Neutral	$20.33B	14.63	-3.31%	3.23%	1.93%	-12.26%
PASHUPATI	62 Neutral	₹12.85B	97.40	―	0.06%	―	―
BASML	47 Neutral	₹1.93B	14.07	―	―	-8.50%	―

Ruby Mills Limited Corporate Events

Ruby Mills Closes Trading Window Ahead of Q3 FY2025 Results

Ruby Mills Limited has announced that its trading window for dealing in the company’s securities will be closed from January 1, 2026 until 48 hours after the board meeting at which the unaudited financial results for the quarter ended December 31, 2025 are considered. During this period, directors, officers, designated employees, related parties, various auditors, and their dependent family members are prohibited from trading in the company’s shares, reflecting the company’s adherence to SEBI’s insider trading regulations and its internal code of conduct aimed at ensuring fair disclosure and preventing misuse of unpublished price-sensitive information.

Ruby Mills Finalizes Settlement Agreement with Mindset Estates

Ruby Mills Limited has finalized a Settlement Agreement with Mindset Estates Private Limited regarding a Revenue Share Development Agreement. This settlement, mediated by Hon’ble Justice Mr. Sharukh J. Kathawala (Retd.), resolves all rights, obligations, and asset allocations between the parties, ensuring no further claims will arise outside the agreement’s scope.

Ruby Mills Faces Fund Attachment by Enforcement Directorate

Ruby Mills Limited has disclosed that the Directorate of Enforcement has attached a bank balance of Rs. 2,59,90,569 held with Bank of India, as per an order dated October 16, 2025. This action is related to advances received from Rajput Retail Ltd for floor space purchases, where the interest earned on TDRs from these advances is under scrutiny. The attachment of funds may impact Ruby Mills’ financial operations and highlights regulatory challenges the company faces.

Ruby Mills Confirms SEBI Regulation Compliance for Q3 2025

Ruby Mills Limited has confirmed compliance with Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, for the quarter ending September 30, 2025. The company has ensured that all securities received for dematerialization have been properly processed, listed on stock exchanges, and updated in their records, reflecting the depositories as the registered owners. This compliance reflects Ruby Mills’ commitment to maintaining regulatory standards and transparency in its operations, which is crucial for its stakeholders and market reputation.