Reliance Home Finance Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 11:18 am

Market Cap	151 Cr.
Current Price	3.12
High / Low	5.83/2.15
Stock P/E
Book Value	1.04
Dividend Yield	0.00 %
ROCE	17.2 %
ROE	%
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Reliance Home Finance Ltd

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	43.9 Cr.	43.9	87.9/38.6		121	0.00 %	7.86 %	%	10.0
Home First Finance Company India Ltd	8,873 Cr.	985	1,383/777	24.6	255	0.35 %	11.2 %	15.5 %	2.00
Aptus Value Housing Finance India Ltd	15,059 Cr.	301	402/268	21.3	80.3	1.50 %	14.7 %	17.2 %	2.00
Repco Home Finance Ltd	2,038 Cr.	326	595/308	4.71	494	0.92 %	10.5 %	14.6 %	10.0
PNB Housing Finance Ltd	21,265 Cr.	818	1,202/600	11.6	575	0.00 %	9.27 %	11.8 %	10.0
Industry Average	9,439.50 Cr	364.83		10.78	287.76	0.90%	11.06%	13.49%	5.64

All Competitor Stocks of Reliance Home Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	75.65	15.88	93.63	72.27	140.77	75.50	0.12	0.16	0.16	0.18	0.18	0.02	0.02
Expenses	216.09	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
Operating Profit	-140.44	-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
OPM %	-185.64%	-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	0.07	0.47	0.13	6.02	-0.05	-274.14	0.26	0.00	0.00	0.00	0.00	27.89	0.34
Interest	325.85	311.04	251.77	272.19	266.63	-759.27	0.00	0.00	0.00	1.45	0.34	0.29	0.11
Depreciation	0.53	210.49	0.51	0.49	21.25	0.48	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	-466.75	-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
Tax %	-26.00%	-31.20%	-31.20%	-31.20%	52.53%	37.92%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-3.54%
Net Profit	-345.39	-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
EPS in Rs	-7.12	-93.23	-2.88	-3.39	-5.14	123.13	0.13	-0.01	-0.05	-0.14	-0.01	0.56	-0.04

Last Updated: March 3, 2025, 2:46 pm

Below is a detailed analysis of the quarterly data for Reliance Home Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹0.02 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.02 Cr..
For Expenses, as of Dec 2024, the value is ₹2.23 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.40 Cr. (Sep 2024) to ₹2.23 Cr., marking an increase of ₹1.83 Cr..
For Operating Profit, as of Dec 2024, the value is ₹-2.21 Cr.. The value appears to be declining and may need further review. It has decreased from -0.38 Cr. (Sep 2024) to ₹-2.21 Cr., marking a decrease of 1.83 Cr..
For OPM %, as of Dec 2024, the value is -11,050.00%. The value appears to be declining and may need further review. It has decreased from -1,900.00% (Sep 2024) to -11,050.00%, marking a decrease of 9,150.00%.
For Other Income, as of Dec 2024, the value is ₹0.34 Cr.. The value appears to be declining and may need further review. It has decreased from 27.89 Cr. (Sep 2024) to ₹0.34 Cr., marking a decrease of 27.55 Cr..
For Interest, as of Dec 2024, the value is ₹0.11 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.29 Cr. (Sep 2024) to ₹0.11 Cr., marking a decrease of 0.18 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹-1.98 Cr.. The value appears to be declining and may need further review. It has decreased from 27.22 Cr. (Sep 2024) to ₹-1.98 Cr., marking a decrease of 29.20 Cr..
For Tax %, as of Dec 2024, the value is -3.54%. The value appears to be improving (decreasing) as expected. It has decreased from 0.00% (Sep 2024) to -3.54%, marking a decrease of 3.54%.
For Net Profit, as of Dec 2024, the value is ₹-1.92 Cr.. The value appears to be declining and may need further review. It has decreased from 27.22 Cr. (Sep 2024) to ₹-1.92 Cr., marking a decrease of 29.14 Cr..
For EPS in Rs, as of Dec 2024, the value is -0.04. The value appears to be declining and may need further review. It has decreased from ₹0.56 (Sep 2024) to -0.04, marking a decrease of ₹0.60.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:26 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	361	429	512	815	1,114	1,683	2,000	1,600	840	293	391	1	0
Expenses	65	86	90	142	235	373	575	829	1,920	6,802	-8,933	3	8
Operating Profit	296	342	423	673	879	1,311	1,425	771	-1,081	-6,509	9,324	-2	-8
OPM %	82%	80%	82%	83%	79%	78%	71%	48%	-129%	-2,220%	2,384%	-381%	-1,998%
Other Income	0	1	0	0	15	0	2	2	0	0	-277	0	28
Interest	254	277	317	536	749	1,062	1,323	1,337	1,220	1,185	32	1	2
Depreciation	0	0	0	1	7	2	3	4	3	212	2	0	0
Profit before tax	42	66	106	137	138	247	102	-567	-2,303	-7,906	9,014	-4	18
Tax %	35%	34%	35%	37%	-25%	32%	34%	-34%	-34%	-31%	40%	0%
Net Profit	27	43	69	87	173	167	67	-375	-1,520	-5,440	5,419	-4	18
EPS in Rs	4.18	6.59	10.49	13.18	14.90	3.45	1.39	-7.74	-31.33	-112.14	111.71	-0.07	0.37
Dividend Payout %	0%	0%	0%	0%	3%	29%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	59.26%	60.47%	26.09%	98.85%	-3.47%	-59.88%	-659.70%	-305.33%	-257.89%	199.61%	-100.07%
Change in YoY Net Profit Growth (%)	0.00%	1.21%	-34.38%	72.76%	-102.32%	-56.41%	-599.82%	354.37%	47.44%	457.51%	-299.69%

Reliance Home Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	-48%
5 Years:	-80%
3 Years:	-91%
TTM:	-99%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	26%
TTM:	-100%

Stock Price CAGR
10 Years:	%
5 Years:	25%
3 Years:	-11%
1 Year:	-3%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	%
Last Year:	%

Last Updated: Unknown

Balance Sheet

Last Updated: January 13, 2025, 3:12 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	66	66	66	66	116	485	485	485	485	485	485	485	485
Reserves	355	398	468	554	1,014	1,339	1,357	982	-538	-5,977	-559	-562	-535
Borrowings	1,940	2,377	3,640	6,548	9,670	13,136	15,699	13,235	12,976	12,714	87	91	38
Other Liabilities	593	904	1,385	525	547	447	585	1,027	1,975	2,922	22	16	15
Total Liabilities	2,954	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30	3
Fixed Assets	0	0	39	44	68	264	266	262	259	48	0	0	0
CWIP	0	0	0	0	0	2	0	1	0	0	0	0	0
Investments	14	320	0	80	508	54	93	951	1,007	161	0	0	0
Other Assets	2,939	3,425	5,518	7,569	10,771	15,087	17,766	14,516	13,631	9,936	35	30	3
Total Assets	2,954	3,745	5,557	7,694	11,347	15,408	18,125	15,729	14,898	10,144	35	30	3

Below is a detailed analysis of the balance sheet data for Reliance Home Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹-535.00 Cr.. The value appears to be improving (becoming less negative). It has improved from ₹-562.00 Cr. (Mar 2024) to ₹-535.00 Cr., marking an improvement of ₹27.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹38.00 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 ₹38.00 Cr., marking a decrease of 53.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹15.00 Cr.. The value appears to be improving (decreasing). It has decreased from ₹16.00 Cr. (Mar 2024) to ₹15.00 Cr., marking a decrease of 1.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹3.00 Cr.. The value appears to be improving (decreasing). It has decreased from ₹30.00 Cr. (Mar 2024) to ₹3.00 Cr., marking a decrease of 27.00 Cr..
For Fixed Assets, as of Sep 2024, 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 Sep 2024, 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 Sep 2024, 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 Sep 2024, the value is ₹3.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹30.00 Cr. (Mar 2024) to ₹3.00 Cr., marking a decrease of 27.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹3.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹30.00 Cr. (Mar 2024) to ₹3.00 Cr., marking a decrease of 27.00 Cr..

However, the Borrowings (38.00 Cr.) are higher than the Reserves (₹-535.00 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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-2	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103	-22
Cash from Investing Activity +	23	-282	293	-72	-355	496	-55	-856	-1,560	848	-105	1
Cash from Financing Activity +	-0	0	0	0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035	4
Net Cash Flow	21	130	114	362	-425	-194	47	-70	135	-116	-37	-17

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	295.00	340.00	420.00	667.00	870.00	-12.00	-14.00	758.00	-13.00	-18.00	-78.00	-93.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
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	-288	-314	-422	-361	-261	-24	33	-139	-682	-3,301	-4	224
ROCE %	13%	13%	12%	12%	10%	10%	9%	5%	-8%	-67%	258%	-17%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	49.58%	49.58%	49.58%	48.78%	48.64%	48.64%	48.64%	43.61%	0.74%	0.74%	0.74%	0.74%
FIIs	2.39%	2.19%	2.19%	2.19%	2.19%	2.19%	2.19%	0.39%	0.39%	0.39%	0.39%	0.00%
DIIs	1.56%	1.56%	1.56%	1.56%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%	1.55%
Government	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Public	46.46%	46.67%	46.67%	47.46%	47.60%	47.61%	47.60%	54.44%	97.30%	97.31%	97.32%	97.69%
No. of Shareholders	8,44,905	8,47,948	8,53,215	8,52,814	8,60,494	8,54,262	8,52,451	8,54,351	8,82,115	9,04,907	9,50,122	9,60,349

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Reliance Home Finance Ltd as of March 12, 2025 is: ₹1.91

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, Reliance Home Finance Ltd is Overvalued by 38.78% compared to the current share price 3.12

Default values used*: Default value of 15 for Stock P/E is used, Default value of 15% for ROE is used

Intrinsic Value of Reliance Home Finance Ltd as of March 12, 2025 is: 3.84

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, Reliance Home Finance Ltd is Undervalued by 23.08% compared to the current share price 3.12

Default values used*: Default value of 15 for Stock P/E is used, Default value of 15% for ROE is used

Last 5 Year EPS CAGR: 100.87%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a high average ROCE of 20.83%, which is a positive sign. The stock has a low average Working Capital Days of -186.75, which is a positive sign. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has shown consistent growth in sales (280.54 cr) and profit (21.92 cr) over the years.	The company has higher borrowings (7,088.54) compared to reserves (-131.08), which may suggest financial risk.

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:
1. 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.
2. ROCE: -7.91% (Industry Average ROCE: 11.06%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.49%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 0 (Industry average Stock P/E: 10.78)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Reliance Home Finance Ltd. is a Public Limited Listed company incorporated on 05/06/2008 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L67190MH2008PLC183216 and registration number is 183216. Currently company belongs to the Industry of Finance - Housing. Company's Total Operating Revenue is Rs. 0.62 Cr. and Equity Capital is Rs. 485.06 Cr. for the Year ended 31/03/2024.

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 latest intrinsic value of Reliance Home Finance Ltd?

The latest intrinsic value of Reliance Home Finance Ltd as on 08 March 2025 is ₹1.91, which is 38.78% lower than the current market price of 3.12, indicating the stock is overvalued by 38.78%. The intrinsic value of Reliance Home Finance Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹151 Cr. and recorded a high/low of ₹5.83/2.15 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹-535 Cr and total liabilities of ₹3 Cr.

What is the Market Cap of Reliance Home Finance Ltd?

The Market Cap of Reliance Home Finance Ltd is 151 Cr..

What is the current Stock Price of Reliance Home Finance Ltd as on 08 March 2025?

The current stock price of Reliance Home Finance Ltd as on 08 March 2025 is ₹3.12.

What is the High / Low of Reliance Home Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Reliance Home Finance Ltd stocks is ₹5.83/2.15.

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 1.04.

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 17.2 %.

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.