Share Price and Basic Stock Data
Last Updated: October 22, 2025, 4:30 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Reliance Home Finance Ltd operates in the housing finance sector and has experienced significant fluctuations in its revenue streams. The company reported sales of ₹15.88 Cr in March 2022, which rose sharply to ₹140.77 Cr by December 2022. However, this positive trend faced a dramatic downturn, with sales plummeting to merely ₹0.12 Cr by June 2023 and remaining stagnant at ₹0.16 Cr for the subsequent quarters. The company’s total sales for the fiscal year ending March 2023 stood at ₹391 Cr, a stark contrast to ₹293 Cr in the previous year. This inconsistency in revenue generation raises concerns regarding its operational viability. The drastic drop in sales, especially in the latest quarters, may signal underlying operational issues or market challenges that need to be addressed for future growth.
Profitability and Efficiency Metrics
The profitability metrics for Reliance Home Finance Ltd reveal a tumultuous financial landscape. The company recorded a net profit of ₹24 Cr for the fiscal year ending March 2025, following a remarkable recovery from a loss of ₹5,440 Cr in March 2022. The operating profit margin (OPM) demonstrated extreme volatility, peaking at an astonishing 12,099.50% in March 2023, only to fall to -574.14% by March 2024. The interest coverage ratio (ICR) stood at -1.63x, indicating that interest obligations exceed earnings, a red flag for financial stability. While the return on capital employed (ROCE) was reported at 432%, this figure appears inflated when juxtaposed against the company’s overall performance. The company’s ability to maintain profitability amidst these fluctuations will be critical as it seeks to rebuild investor confidence.
Balance Sheet Strength and Financial Ratios
Reliance Home Finance Ltd’s balance sheet reflects a precarious financial position, marked by negative reserves of ₹538 Cr and borrowings of ₹40 Cr. The total liabilities were reported at ₹30 Cr, with a debt-to-equity ratio of 0.00, indicating a lack of long-term debt, which could imply limited financial leverage. The book value per share stood at -₹1.59, further underscoring the company’s negative equity position. Liquidity ratios, such as the current ratio and quick ratio, were both reported at 0.00, suggesting that the company does not have sufficient short-term assets to cover its liabilities. This financial instability raises concerns regarding its operational sustainability and ability to attract new investments, which could hinder growth prospects.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Reliance Home Finance Ltd indicates a significant shift in investor confidence. The promoter’s stake has declined from 48.78% in June 2022 to a mere 0.74% by March 2025, signaling potential loss of confidence from the founding stakeholders. Foreign Institutional Investors (FIIs) have completely exited their positions, dropping from 2.19% in June 2022 to 0.00% by March 2025. Conversely, Domestic Institutional Investors (DIIs) retained a small stake of 1.54%, while public ownership surged to 97.70%, indicating a retail-heavy shareholder base. The total number of shareholders increased to 10,06,312 by March 2025, reflecting growing public interest but also potential volatility due to a lack of institutional backing. This shift may lead to instability in share price movements, as retail investors tend to react more emotionally to market changes.
Outlook, Risks, and Final Insight
If margins sustain and operational efficiency improves, Reliance Home Finance Ltd could potentially stabilize its financial standing and restore investor confidence. However, the company faces significant risks, including the substantial decline in revenue and profitability, along with a heavily leveraged balance sheet. Moreover, the complete exit of FIIs raises questions about the company’s attractiveness to larger, more stable investors. Continued negative reserves and the lack of liquidity pose additional challenges. To navigate these risks, the company must focus on enhancing its operational performance, addressing its financial instability, and rebuilding trust with both institutional and retail investors. If successful, the company could chart a path toward recovery and growth in the competitive housing finance sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Reliance Home Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 39.0 Cr. | 39.0 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,976 Cr. | 1,253 | 1,519/839 | 31.4 | 280 | 0.30 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 15,778 Cr. | 315 | 368/268 | 19.8 | 86.4 | 1.43 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,549 Cr. | 407 | 524/308 | 5.77 | 530 | 0.98 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,810 Cr. | 876 | 1,142/746 | 11.2 | 648 | 0.57 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,647.30 Cr | 426.83 | 12.38 | 311.39 | 0.97% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 15.88 | 93.63 | 72.27 | 140.77 | 75.50 | 0.12 | 0.16 | 0.16 | 0.18 | 0.18 | 0.02 | 0.02 | 0.00 |
| Expenses | 6,067.77 | 44.76 | 44.91 | 16.24 | -9,059.62 | -6.05 | 0.82 | 2.72 | 5.48 | 0.28 | 0.40 | 2.23 | 0.53 |
| Operating Profit | -6,051.89 | 48.87 | 27.36 | 124.53 | 9,135.12 | 6.17 | -0.66 | -2.56 | -5.30 | -0.10 | -0.38 | -2.21 | -0.53 |
| OPM % | -38,110.14% | 52.19% | 37.86% | 88.46% | 12,099.50% | 5,141.67% | -412.50% | -1,600.00% | -2,944.44% | -55.56% | -1,900.00% | -11,050.00% | |
| Other Income | 0.47 | 0.13 | 6.02 | -0.05 | -274.14 | 0.26 | 0.00 | 0.00 | 0.00 | 0.00 | 27.89 | 0.34 | 0.00 |
| Interest | 311.04 | 251.77 | 272.19 | 266.63 | -759.27 | 0.00 | 0.00 | 0.00 | 1.45 | 0.34 | 0.29 | 0.11 | 0.16 |
| Depreciation | 210.49 | 0.51 | 0.49 | 21.25 | 0.48 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6,572.95 | -203.28 | -239.30 | -163.40 | 9,619.77 | 6.43 | -0.66 | -2.56 | -6.75 | -0.44 | 27.22 | -1.98 | -0.69 |
| Tax % | -31.20% | -31.20% | -31.20% | 52.53% | 37.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -3.54% | 0.00% |
| Net Profit | -4,522.19 | -139.86 | -164.64 | -249.24 | 5,972.31 | 6.43 | -0.66 | -2.56 | -6.75 | -0.44 | 27.22 | -1.92 | -0.69 |
| EPS in Rs | -93.23 | -2.88 | -3.39 | -5.14 | 123.13 | 0.13 | -0.01 | -0.05 | -0.14 | -0.01 | 0.56 | -0.04 | -0.01 |
Last Updated: May 31, 2025, 8:22 am
Below is a detailed analysis of the quarterly data for Reliance Home Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Sales, as of Mar 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.02 Cr. (Dec 2024) to 0.00 Cr., marking a decrease of 0.02 Cr..
- For Expenses, as of Mar 2025, the value is 0.53 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2.23 Cr. (Dec 2024) to 0.53 Cr., marking a decrease of 1.70 Cr..
- For Operating Profit, as of Mar 2025, the value is -0.53 Cr.. The value appears strong and on an upward trend. It has increased from -2.21 Cr. (Dec 2024) to -0.53 Cr., marking an increase of 1.68 Cr..
- For OPM %, as of Mar 2025, the value is 0.00%. The value appears strong and on an upward trend. It has increased from -11,050.00% (Dec 2024) to 0.00%, marking an increase of 11,050.00%.
- For Other Income, as of Mar 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.34 Cr. (Dec 2024) to 0.00 Cr., marking a decrease of 0.34 Cr..
- For Interest, as of Mar 2025, the value is 0.16 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.11 Cr. (Dec 2024) to 0.16 Cr., marking an increase of 0.05 Cr..
- For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
- For Profit before tax, as of Mar 2025, the value is -0.69 Cr.. The value appears strong and on an upward trend. It has increased from -1.98 Cr. (Dec 2024) to -0.69 Cr., marking an increase of 1.29 Cr..
- For Tax %, as of Mar 2025, the value is 0.00%. The value appears to be increasing, which may not be favorable. It has increased from -3.54% (Dec 2024) to 0.00%, marking an increase of 3.54%.
- For Net Profit, as of Mar 2025, the value is -0.69 Cr.. The value appears strong and on an upward trend. It has increased from -1.92 Cr. (Dec 2024) to -0.69 Cr., marking an increase of 1.23 Cr..
- For EPS in Rs, as of Mar 2025, the value is -0.01. The value appears strong and on an upward trend. It has increased from -0.04 (Dec 2024) to -0.01, marking an increase of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: June 16, 2025, 4:43 pm
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 429 | 512 | 815 | 1,114 | 1,683 | 2,000 | 1,600 | 840 | 293 | 391 | 1 | 0 |
| Expenses | 86 | 90 | 142 | 235 | 373 | 575 | 829 | 1,920 | 6,802 | -8,933 | 3 | 3 |
| Operating Profit | 342 | 423 | 673 | 879 | 1,311 | 1,425 | 771 | -1,081 | -6,509 | 9,324 | -2 | -3 |
| OPM % | 80% | 82% | 83% | 79% | 78% | 71% | 48% | -129% | -2,220% | 2,384% | -381% | -1,464% |
| Other Income | 1 | 0 | 0 | 15 | 0 | 2 | 2 | 0 | 0 | -277 | 0 | 28 |
| Interest | 277 | 317 | 536 | 749 | 1,062 | 1,323 | 1,337 | 1,220 | 1,185 | 32 | 1 | 1 |
| Depreciation | 0 | 0 | 1 | 7 | 2 | 3 | 4 | 3 | 212 | 2 | 0 | 0 |
| Profit before tax | 66 | 106 | 137 | 138 | 247 | 102 | -567 | -2,303 | -7,906 | 9,014 | -4 | 24 |
| Tax % | 34% | 35% | 37% | -25% | 32% | 34% | -34% | -34% | -31% | 40% | 0% | -0% |
| Net Profit | 43 | 69 | 87 | 173 | 167 | 67 | -375 | -1,520 | -5,440 | 5,419 | -4 | 24 |
| EPS in Rs | 6.59 | 10.49 | 13.18 | 14.90 | 3.45 | 1.39 | -7.74 | -31.33 | -112.14 | 111.71 | -0.07 | 0.50 |
| Dividend Payout % | 0% | 0% | 0% | 3% | 29% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 60.47% | 26.09% | 98.85% | -3.47% | -59.88% | -659.70% | -305.33% | -257.89% | 199.61% | -100.07% | 700.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | -34.38% | 72.76% | -102.32% | -56.41% | -599.82% | 354.37% | 47.44% | 457.51% | -299.69% | 800.07% |
Reliance Home Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -54% |
| 5 Years: | -83% |
| 3 Years: | -91% |
| TTM: | -65% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 15% |
| 3 Years: | 26% |
| TTM: | -7% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 18% |
| 3 Years: | -9% |
| 1 Year: | 41% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| Last Year: | % |
Last Updated: September 5, 2025, 11:25 am
Balance Sheet
Last Updated: June 16, 2025, 11:40 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 66 | 66 | 66 | 116 | 485 | 485 | 485 | 485 | 485 | 485 | 485 | 485 |
| Reserves | 398 | 468 | 554 | 1,014 | 1,339 | 1,357 | 982 | -538 | -5,977 | -559 | -562 | -538 |
| Borrowings | 2,377 | 3,640 | 6,548 | 9,670 | 13,136 | 15,699 | 13,235 | 12,976 | 12,714 | 87 | 91 | 40 |
| Other Liabilities | 904 | 1,385 | 525 | 547 | 447 | 585 | 1,027 | 1,975 | 2,922 | 22 | 16 | 14 |
| Total Liabilities | 3,745 | 5,557 | 7,694 | 11,347 | 15,408 | 18,125 | 15,729 | 14,898 | 10,144 | 35 | 30 | 2 |
| Fixed Assets | 0 | 39 | 44 | 68 | 264 | 266 | 262 | 259 | 48 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 2 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| Investments | 320 | 0 | 80 | 508 | 54 | 93 | 951 | 1,007 | 161 | 0 | 0 | 0 |
| Other Assets | 3,425 | 5,518 | 7,569 | 10,771 | 15,087 | 17,766 | 14,516 | 13,631 | 9,936 | 35 | 30 | 2 |
| Total Assets | 3,745 | 5,557 | 7,694 | 11,347 | 15,408 | 18,125 | 15,729 | 14,898 | 10,144 | 35 | 30 | 2 |
Below is a detailed analysis of the balance sheet data for Reliance Home Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 485.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 485.00 Cr..
- For Reserves, as of Mar 2025, the value is -538.00 Cr.. The value appears to be improving (becoming less negative). It has improved from -562.00 Cr. (Mar 2024) to -538.00 Cr., marking an improvement of 24.00 Cr..
- For Borrowings, as of Mar 2025, the value is 40.00 Cr.. The value appears to be improving (decreasing). However, Reserves are negative, which is a major warning sign. It has decreased from 91.00 Cr. (Mar 2024) to 40.00 Cr., marking a decrease of 51.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 14.00 Cr.. The value appears to be improving (decreasing). It has decreased from 16.00 Cr. (Mar 2024) to 14.00 Cr., marking a decrease of 2.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 2.00 Cr.. The value appears to be improving (decreasing). It has decreased from 30.00 Cr. (Mar 2024) to 2.00 Cr., marking a decrease of 28.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Assets, as of Mar 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 30.00 Cr. (Mar 2024) to 2.00 Cr., marking a decrease of 28.00 Cr..
- For Total Assets, as of Mar 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 30.00 Cr. (Mar 2024) to 2.00 Cr., marking a decrease of 28.00 Cr..
However, the Borrowings (40.00 Cr.) are higher than the Reserves (-538.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 340.00 | 420.00 | 667.00 | 870.00 | -12.00 | -14.00 | 758.00 | -13.00 | -18.00 | -78.00 | -93.00 | -43.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Working Capital Days | -491 | -1,002 | -705 | -590 | -138 | -94 | -253 | -682 | -3,301 | -4 | 224 | -23,675 |
| ROCE % | 13% | 12% | 12% | 10% | 10% | 9% | 5% | -8% | -67% | 258% | -17% | -432% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 0.50 | -0.07 | 111.72 | -112.15 | -31.33 |
| Diluted EPS (Rs.) | 0.50 | -0.07 | 111.72 | -112.15 | -31.33 |
| Cash EPS (Rs.) | 0.49 | -0.07 | 111.75 | -107.77 | -31.28 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | -1.09 | -1.59 | -1.52 | -113.23 | -1.09 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | -1.09 | -1.59 | -1.52 | -113.23 | -1.09 |
| Revenue From Operations / Share (Rs.) | 0.00 | 0.01 | 7.88 | 5.99 | 16.56 |
| PBDIT / Share (Rs.) | -0.06 | -0.04 | 192.23 | -134.19 | -22.28 |
| PBIT / Share (Rs.) | -0.06 | -0.04 | 192.19 | -138.57 | -22.33 |
| PBT / Share (Rs.) | 0.49 | -0.07 | 185.83 | -163.00 | -47.48 |
| Net Profit / Share (Rs.) | 0.49 | -0.07 | 111.71 | -112.14 | -31.33 |
| PBDIT Margin (%) | -1447.75 | -381.70 | 2439.83 | -2239.30 | -134.53 |
| PBIT Margin (%) | -1447.75 | -381.70 | 2439.31 | -2312.27 | -134.86 |
| PBT Margin (%) | 10829.91 | -574.14 | 2358.57 | -2719.96 | -286.69 |
| Net Profit Margin (%) | 10859.56 | -574.14 | 1417.84 | -1871.33 | -189.21 |
| Return on Networth / Equity (%) | -45.60 | 0.00 | -7339.25 | 0.00 | 0.00 |
| Return on Capital Employeed (%) | 10.94 | -7.91 | 60495.39 | -481.72 | -15.72 |
| Return On Assets (%) | 1528.12 | -11.89 | 15548.26 | -53.62 | -10.20 |
| Long Term Debt / Equity (X) | -0.17 | 0.00 | -0.75 | -1.24 | -127.24 |
| Total Debt / Equity (X) | -0.17 | 0.00 | -0.75 | -2.31 | -244.44 |
| Asset Turnover Ratio (%) | 0.00 | 0.01 | 0.07 | 0.02 | 0.05 |
| Current Ratio (X) | 0.02 | 0.00 | 0.90 | 0.72 | 1.66 |
| Quick Ratio (X) | 0.02 | 0.00 | 0.90 | 0.72 | 1.66 |
| Interest Coverage Ratio (X) | -3.58 | -1.63 | 297.71 | -5.49 | -0.88 |
| Interest Coverage Ratio (Post Tax) (X) | -3.51 | -1.63 | 182.86 | -3.59 | -0.24 |
| Enterprise Value (Cr.) | 172.48 | 129.00 | 191.20 | 9940.24 | 11782.51 |
| EV / Net Operating Revenue (X) | 774.82 | 208.70 | 0.50 | 34.20 | 14.67 |
| EV / EBITDA (X) | -53.52 | -54.68 | 0.02 | -1.53 | -10.90 |
| MarketCap / Net Operating Revenue (X) | 736.52 | 228.36 | 0.31 | 0.64 | 0.14 |
| Price / BV (X) | -3.10 | -1.83 | -1.65 | -0.03 | -2.19 |
| Price / Net Operating Revenue (X) | 845.00 | 242.50 | 0.31 | 0.64 | 0.14 |
| EarningsYield | 0.14 | -0.02 | 44.51 | -29.13 | -13.11 |
After reviewing the key financial ratios for Reliance Home Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.50. This value is below the healthy minimum of 5. It has increased from -0.07 (Mar 24) to 0.50, marking an increase of 0.57.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.50. This value is below the healthy minimum of 5. It has increased from -0.07 (Mar 24) to 0.50, marking an increase of 0.57.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.49. This value is below the healthy minimum of 3. It has increased from -0.07 (Mar 24) to 0.49, marking an increase of 0.56.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is -1.09. It has increased from -1.59 (Mar 24) to -1.09, marking an increase of 0.50.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is -1.09. It has increased from -1.59 (Mar 24) to -1.09, marking an increase of 0.50.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 0.00. It has decreased from 0.01 (Mar 24) to 0.00, marking a decrease of 0.01.
- For PBDIT / Share (Rs.), as of Mar 25, the value is -0.06. This value is below the healthy minimum of 2. It has decreased from -0.04 (Mar 24) to -0.06, marking a decrease of 0.02.
- For PBIT / Share (Rs.), as of Mar 25, the value is -0.06. This value is below the healthy minimum of 0. It has decreased from -0.04 (Mar 24) to -0.06, marking a decrease of 0.02.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.49. This value is within the healthy range. It has increased from -0.07 (Mar 24) to 0.49, marking an increase of 0.56.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.49. This value is below the healthy minimum of 2. It has increased from -0.07 (Mar 24) to 0.49, marking an increase of 0.56.
- For PBDIT Margin (%), as of Mar 25, the value is -1,447.75. This value is below the healthy minimum of 10. It has decreased from -381.70 (Mar 24) to -1,447.75, marking a decrease of 1,066.05.
- For PBIT Margin (%), as of Mar 25, the value is -1,447.75. This value is below the healthy minimum of 10. It has decreased from -381.70 (Mar 24) to -1,447.75, marking a decrease of 1,066.05.
- For PBT Margin (%), as of Mar 25, the value is 10,829.91. This value is within the healthy range. It has increased from -574.14 (Mar 24) to 10,829.91, marking an increase of 11,404.05.
- For Net Profit Margin (%), as of Mar 25, the value is 10,859.56. This value exceeds the healthy maximum of 10. It has increased from -574.14 (Mar 24) to 10,859.56, marking an increase of 11,433.70.
- For Return on Networth / Equity (%), as of Mar 25, the value is -45.60. This value is below the healthy minimum of 15. It has decreased from 0.00 (Mar 24) to -45.60, marking a decrease of 45.60.
- For Return on Capital Employeed (%), as of Mar 25, the value is 10.94. This value is within the healthy range. It has increased from -7.91 (Mar 24) to 10.94, marking an increase of 18.85.
- For Return On Assets (%), as of Mar 25, the value is 1,528.12. This value is within the healthy range. It has increased from -11.89 (Mar 24) to 1,528.12, marking an increase of 1,540.01.
- For Long Term Debt / Equity (X), as of Mar 25, the value is -0.17. This value is below the healthy minimum of 0.2. It has decreased from 0.00 (Mar 24) to -0.17, marking a decrease of 0.17.
- For Total Debt / Equity (X), as of Mar 25, the value is -0.17. This value is within the healthy range. It has decreased from 0.00 (Mar 24) to -0.17, marking a decrease of 0.17.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.00. It has decreased from 0.01 (Mar 24) to 0.00, marking a decrease of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 0.02. This value is below the healthy minimum of 1.5. It has increased from 0.00 (Mar 24) to 0.02, marking an increase of 0.02.
- For Quick Ratio (X), as of Mar 25, the value is 0.02. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 24) to 0.02, marking an increase of 0.02.
- For Interest Coverage Ratio (X), as of Mar 25, the value is -3.58. This value is below the healthy minimum of 3. It has decreased from -1.63 (Mar 24) to -3.58, marking a decrease of 1.95.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is -3.51. This value is below the healthy minimum of 3. It has decreased from -1.63 (Mar 24) to -3.51, marking a decrease of 1.88.
- For Enterprise Value (Cr.), as of Mar 25, the value is 172.48. It has increased from 129.00 (Mar 24) to 172.48, marking an increase of 43.48.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 774.82. This value exceeds the healthy maximum of 3. It has increased from 208.70 (Mar 24) to 774.82, marking an increase of 566.12.
- For EV / EBITDA (X), as of Mar 25, the value is -53.52. This value is below the healthy minimum of 5. It has increased from -54.68 (Mar 24) to -53.52, marking an increase of 1.16.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 736.52. This value exceeds the healthy maximum of 3. It has increased from 228.36 (Mar 24) to 736.52, marking an increase of 508.16.
- For Price / BV (X), as of Mar 25, the value is -3.10. This value is below the healthy minimum of 1. It has decreased from -1.83 (Mar 24) to -3.10, marking a decrease of 1.27.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 845.00. This value exceeds the healthy maximum of 3. It has increased from 242.50 (Mar 24) to 845.00, marking an increase of 602.50.
- For EarningsYield, as of Mar 25, the value is 0.14. This value is below the healthy minimum of 5. It has increased from -0.02 (Mar 24) to 0.14, marking an increase of 0.16.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Reliance Home Finance Ltd:
- Net Profit Margin: 10859.56%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 10.94% (Industry Average ROCE: 48.21%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -45.6% (Industry Average ROE: 13.33%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): -3.51
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0.02
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 12.38)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: -0.17
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 10859.56%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | Trade World, Kamala Mills Compound, 7th Floor, B Wing, Senapati Bapat Marg, Mumbai Maharashtra 400013 | rhfl.investor@relianceada.com http://www.reliancehomefinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Ms. Rashna Hoshang Khan | Director |
| Mr. Sudeep Ghoshal | Director |
| Ms. Chhaya Virani | Director |
| Mr. Ashok Ramaswamy | Director |
| Mr. Sushilkumar Agrawal | Director |
| Mr. Ashish Turakhia | Director |
FAQ
What is the intrinsic value of Reliance Home Finance Ltd?
Reliance Home Finance Ltd's intrinsic value (as of 22 October 2025) is 2.00 which is 45.05% lower the current market price of 3.64, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 177 Cr. market cap, FY2025-2026 high/low of 7.84/2.15, reserves of ₹-538 Cr, and liabilities of 2 Cr.
What is the Market Cap of Reliance Home Finance Ltd?
The Market Cap of Reliance Home Finance Ltd is 177 Cr..
What is the current Stock Price of Reliance Home Finance Ltd as on 22 October 2025?
The current stock price of Reliance Home Finance Ltd as on 22 October 2025 is 3.64.
What is the High / Low of Reliance Home Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Reliance Home Finance Ltd stocks is 7.84/2.15.
What is the Stock P/E of Reliance Home Finance Ltd?
The Stock P/E of Reliance Home Finance Ltd is .
What is the Book Value of Reliance Home Finance Ltd?
The Book Value of Reliance Home Finance Ltd is 1.09.
What is the Dividend Yield of Reliance Home Finance Ltd?
The Dividend Yield of Reliance Home Finance Ltd is 0.00 %.
What is the ROCE of Reliance Home Finance Ltd?
The ROCE of Reliance Home Finance Ltd is 432 %.
What is the ROE of Reliance Home Finance Ltd?
The ROE of Reliance Home Finance Ltd is %.
What is the Face Value of Reliance Home Finance Ltd?
The Face Value of Reliance Home Finance Ltd is 10.0.