Share Price and Basic Stock Data
Last Updated: October 8, 2025, 8:57 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Reliance Home Finance Ltd, operating in the housing finance sector, has a market capitalization of ₹185 Cr. The company’s revenue trends indicate a challenging period with sales figures showing a decline in recent quarters. Despite efforts to control expenses, operating profit margins have been under pressure. This could be attributed to various market factors impacting the housing finance industry, such as changes in interest rates and economic conditions.
Profitability and Efficiency Metrics
Analyzing the efficiency metrics, Reliance Home Finance Ltd has reported a Net Profit of ₹24 Cr with a Return on Equity (ROE) of %. The Return on Capital Employed (ROCE) stands impressively high at 432%. However, the Interest Coverage Ratio (ICR) of -1.63x raises concerns about the company’s ability to meet interest obligations. Additionally, the negative Price-to-Book Value (P/BV) ratio of -1.83x indicates that the stock may be undervalued in comparison to its book value.
Balance Sheet Strength and Financial Ratios
The company’s financial health is reflected in its reserves of -₹538 Cr and borrowings of ₹40 Cr. The negative reserves signify accumulated losses, while the low borrowing levels indicate a conservative approach to leverage. The negative Current Cash Conversion Cycle (CCC) of 0 days suggests efficient management of working capital. However, the negative P/BV ratio and ICR raise concerns about the company’s leverage and solvency position.
Shareholding Pattern and Investor Confidence
The shareholding pattern reveals that promoters hold a minimal stake of 0.74%, while FIIs and DIIs have negligible holdings at 0.00% and 1.54%, respectively. Public shareholding dominates at 97.70%, indicating limited institutional interest in the company. Changes in promoter confidence and institutional participation can significantly influence the company’s valuation and market perception, impacting investor sentiment and stock performance.
Outlook, Risks, and Final Insight
Looking ahead, Reliance Home Finance Ltd faces challenges in improving profitability and restoring investor confidence. Key growth drivers could include strategic partnerships, product diversification, and effective cost management. However, risks such as regulatory changes, economic downturns, and intense competition pose significant threats to the company’s future performance. Strengthening financial ratios, enhancing operational efficiency, and proactive risk management will be critical in navigating the uncertainties ahead. Overall, a cautious approach is advisable for investors considering the company’s stock in the current market environment.
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 | 39.7 Cr. | 39.7 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,473 Cr. | 1,206 | 1,519/839 | 30.2 | 280 | 0.31 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 15,464 Cr. | 310 | 402/268 | 19.4 | 86.4 | 1.45 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,464 Cr. | 388 | 524/308 | 5.57 | 530 | 1.03 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,822 Cr. | 876 | 1,142/746 | 11.2 | 648 | 0.57 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,423.00 Cr | 414.49 | 12.14 | 308.75 | 0.99% | 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 - No data available for this post.
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 24 | Mar 23 | Mar 22 | Mar 21 | Mar 20 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -0.07 | 111.72 | -112.15 | -31.33 | -7.74 |
| Diluted EPS (Rs.) | -0.07 | 111.72 | -112.15 | -31.33 | -7.74 |
| Cash EPS (Rs.) | -0.07 | 111.75 | -107.77 | -31.28 | -7.66 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | -1.59 | -1.52 | -113.23 | -1.09 | 30.24 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | -1.59 | -1.52 | -113.23 | -1.09 | 30.24 |
| Revenue From Operations / Share (Rs.) | 0.01 | 7.88 | 5.99 | 16.56 | 32.73 |
| PBDIT / Share (Rs.) | -0.04 | 192.23 | -134.19 | -22.28 | 15.92 |
| PBIT / Share (Rs.) | -0.04 | 192.19 | -138.57 | -22.33 | 15.85 |
| PBT / Share (Rs.) | -0.07 | 185.83 | -163.00 | -47.48 | -11.70 |
| Net Profit / Share (Rs.) | -0.07 | 111.71 | -112.14 | -31.33 | -7.74 |
| PBDIT Margin (%) | -381.70 | 2439.83 | -2239.30 | -134.53 | 48.64 |
| PBIT Margin (%) | -381.70 | 2439.31 | -2312.27 | -134.86 | 48.41 |
| PBT Margin (%) | -574.14 | 2358.57 | -2719.96 | -286.69 | -35.73 |
| Net Profit Margin (%) | -574.14 | 1417.84 | -1871.33 | -189.21 | -23.64 |
| Return on Networth / Equity (%) | 0.00 | -7339.25 | 0.00 | 0.00 | -25.58 |
| Return on Capital Employeed (%) | -7.91 | 60495.39 | -481.72 | -15.72 | 9.34 |
| Return On Assets (%) | -11.89 | 15548.26 | -53.62 | -10.20 | -2.38 |
| Long Term Debt / Equity (X) | 0.00 | -0.75 | -1.24 | -127.24 | 4.56 |
| Total Debt / Equity (X) | 0.00 | -0.75 | -2.31 | -244.44 | 9.00 |
| Asset Turnover Ratio (%) | 0.01 | 0.07 | 0.02 | 0.05 | 0.09 |
| Current Ratio (X) | 0.00 | 0.90 | 0.72 | 1.66 | 1.99 |
| Quick Ratio (X) | 0.00 | 0.90 | 0.72 | 1.66 | 1.99 |
| Interest Coverage Ratio (X) | -1.63 | 297.71 | -5.49 | -0.88 | 0.57 |
| Interest Coverage Ratio (Post Tax) (X) | -1.63 | 182.86 | -3.59 | -0.24 | 0.71 |
| Enterprise Value (Cr.) | 129.00 | 191.20 | 9940.24 | 11782.51 | 12761.11 |
| EV / Net Operating Revenue (X) | 208.70 | 0.50 | 34.20 | 14.67 | 8.04 |
| EV / EBITDA (X) | -54.68 | 0.02 | -1.53 | -10.90 | 16.53 |
| MarketCap / Net Operating Revenue (X) | 228.36 | 0.31 | 0.64 | 0.14 | 0.02 |
| Price / BV (X) | -1.83 | -1.65 | -0.03 | -2.19 | 0.02 |
| Price / Net Operating Revenue (X) | 242.50 | 0.31 | 0.64 | 0.14 | 0.02 |
| EarningsYield | -0.02 | 44.51 | -29.13 | -13.11 | -10.32 |
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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 24, the value is -0.07. This value is below the healthy minimum of 5. It has decreased from 111.72 (Mar 23) to -0.07, marking a decrease of 111.79.
- For Diluted EPS (Rs.), as of Mar 24, the value is -0.07. This value is below the healthy minimum of 5. It has decreased from 111.72 (Mar 23) to -0.07, marking a decrease of 111.79.
- For Cash EPS (Rs.), as of Mar 24, the value is -0.07. This value is below the healthy minimum of 3. It has decreased from 111.75 (Mar 23) to -0.07, marking a decrease of 111.82.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is -1.59. It has decreased from -1.52 (Mar 23) to -1.59, marking a decrease of 0.07.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is -1.59. It has decreased from -1.52 (Mar 23) to -1.59, marking a decrease of 0.07.
- For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 0.01. It has decreased from 7.88 (Mar 23) to 0.01, marking a decrease of 7.87.
- For PBDIT / Share (Rs.), as of Mar 24, the value is -0.04. This value is below the healthy minimum of 2. It has decreased from 192.23 (Mar 23) to -0.04, marking a decrease of 192.27.
- For PBIT / Share (Rs.), as of Mar 24, the value is -0.04. This value is below the healthy minimum of 0. It has decreased from 192.19 (Mar 23) to -0.04, marking a decrease of 192.23.
- For PBT / Share (Rs.), as of Mar 24, the value is -0.07. This value is below the healthy minimum of 0. It has decreased from 185.83 (Mar 23) to -0.07, marking a decrease of 185.90.
- For Net Profit / Share (Rs.), as of Mar 24, the value is -0.07. This value is below the healthy minimum of 2. It has decreased from 111.71 (Mar 23) to -0.07, marking a decrease of 111.78.
- For PBDIT Margin (%), as of Mar 24, the value is -381.70. This value is below the healthy minimum of 10. It has decreased from 2,439.83 (Mar 23) to -381.70, marking a decrease of 2,821.53.
- For PBIT Margin (%), as of Mar 24, the value is -381.70. This value is below the healthy minimum of 10. It has decreased from 2,439.31 (Mar 23) to -381.70, marking a decrease of 2,821.01.
- For PBT Margin (%), as of Mar 24, the value is -574.14. This value is below the healthy minimum of 10. It has decreased from 2,358.57 (Mar 23) to -574.14, marking a decrease of 2,932.71.
- For Net Profit Margin (%), as of Mar 24, the value is -574.14. This value is below the healthy minimum of 5. It has decreased from 1,417.84 (Mar 23) to -574.14, marking a decrease of 1,991.98.
- For Return on Networth / Equity (%), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 15. It has increased from -7,339.25 (Mar 23) to 0.00, marking an increase of 7,339.25.
- For Return on Capital Employeed (%), as of Mar 24, the value is -7.91. This value is below the healthy minimum of 10. It has decreased from 60,495.39 (Mar 23) to -7.91, marking a decrease of 60,503.30.
- For Return On Assets (%), as of Mar 24, the value is -11.89. This value is below the healthy minimum of 5. It has decreased from 15,548.26 (Mar 23) to -11.89, marking a decrease of 15,560.15.
- For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has increased from -0.75 (Mar 23) to 0.00, marking an increase of 0.75.
- For Total Debt / Equity (X), as of Mar 24, the value is 0.00. This value is within the healthy range. It has increased from -0.75 (Mar 23) to 0.00, marking an increase of 0.75.
- For Asset Turnover Ratio (%), as of Mar 24, the value is 0.01. It has decreased from 0.07 (Mar 23) to 0.01, marking a decrease of 0.06.
- For Current Ratio (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 1.5. It has decreased from 0.90 (Mar 23) to 0.00, marking a decrease of 0.90.
- For Quick Ratio (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 1. It has decreased from 0.90 (Mar 23) to 0.00, marking a decrease of 0.90.
- For Interest Coverage Ratio (X), as of Mar 24, the value is -1.63. This value is below the healthy minimum of 3. It has decreased from 297.71 (Mar 23) to -1.63, marking a decrease of 299.34.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is -1.63. This value is below the healthy minimum of 3. It has decreased from 182.86 (Mar 23) to -1.63, marking a decrease of 184.49.
- For Enterprise Value (Cr.), as of Mar 24, the value is 129.00. It has decreased from 191.20 (Mar 23) to 129.00, marking a decrease of 62.20.
- For EV / Net Operating Revenue (X), as of Mar 24, the value is 208.70. This value exceeds the healthy maximum of 3. It has increased from 0.50 (Mar 23) to 208.70, marking an increase of 208.20.
- For EV / EBITDA (X), as of Mar 24, the value is -54.68. This value is below the healthy minimum of 5. It has decreased from 0.02 (Mar 23) to -54.68, marking a decrease of 54.70.
- For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 228.36. This value exceeds the healthy maximum of 3. It has increased from 0.31 (Mar 23) to 228.36, marking an increase of 228.05.
- For Price / BV (X), as of Mar 24, the value is -1.83. This value is below the healthy minimum of 1. It has decreased from -1.65 (Mar 23) to -1.83, marking a decrease of 0.18.
- For Price / Net Operating Revenue (X), as of Mar 24, the value is 242.50. This value exceeds the healthy maximum of 3. It has increased from 0.31 (Mar 23) to 242.50, marking an increase of 242.19.
- For EarningsYield, as of Mar 24, the value is -0.02. This value is below the healthy minimum of 5. It has decreased from 44.51 (Mar 23) to -0.02, marking a decrease of 44.53.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
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: -574.14%
- 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: -7.91% (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%: 0% (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): -1.63
- 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
- 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: 12.14)
- 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
- 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: -574.14%
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 10 October 2025) is 2.00 which is 46.09% lower the current market price of 3.71, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹182 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 182 Cr..
What is the current Stock Price of Reliance Home Finance Ltd as on 10 October 2025?
The current stock price of Reliance Home Finance Ltd as on 10 October 2025 is 3.71.
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.