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Last Updated: March 31, 2026, 3:23 am
Author: Getaka|Social: XLinkedIn

Reliance Home Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹2.00Overvalued by 18.37%vs CMP ₹2.45

P/E (15.0) × ROE (15.0%) × BV (₹1.09) × DY (2.00%)

Defaults: P/E=15, ROE=15%

₹34.99Undervalued by 1,328.16%vs CMP ₹2.45
MoS: +93% (Strong)Confidence: 58/100 (Moderate)Models: All 5: Undervalued
ModelCategoryValueWeightSignal
PE-ROEEarnings₹4.0224%Under (+64.1%)
Graham NumberEarnings₹3.5024%Under (+42.9%)
Earnings PowerEarnings₹156.7619%Under (+6298.4%)
DCFCash Flow₹11.3019%Under (+361.2%)
Earnings YieldEarnings₹5.0013%Under (+104.1%)
Consensus (5 models)₹34.99100%Undervalued
Key Drivers: EPS CAGR 101.0% lifts DCF — verify sustainability. | Wide model spread (₹4–₹157) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 101.0% · Defaults: P/E=15, ROE=15%

*Investments are subject to market risks

Investment Snapshot

52
Reliance Home Finance Ltd scores 52/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 432.0% ExcellentROE 0.0% WeakD/E -244.44 Low debtInterest Coverage 0.0x RiskyProfitable 2/5 years Inconsistent
Smart Money50/100 · Moderate
FII holding stable No changePromoter holding at 0.7% Stable
Earnings Quality50/100 · Moderate
OPM contracting (82% → -923%) DecliningWorking capital: -23,675 days (improving) Efficient
Quarterly Momentum45/100 · Moderate
Revenue (4Q): -65% YoY DecliningOPM: 0.0% (up 2,944.4% YoY) Margin expansion
Industry Rank55/100 · Moderate
ROCE 432.0% vs industry 48.2% Above peers3Y sales CAGR: -100% Shrinking

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: March 31, 2026, 3:23 am

Market Cap 119 Cr.
Current Price 2.45
Intrinsic Value₹34.99
High / Low 7.84/1.94
Stock P/E
Book Value 1.09
Dividend Yield0.00 %
ROCE432 %
ROE%
Face Value 10.0
PEG Ratio0.00

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

View Share Price Target for Reliance Home Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Reliance Home Finance Ltd 119 Cr. 2.45 7.84/1.94 1.090.00 %432 %% 10.0
Coral India Finance & Housing Ltd 110 Cr. 27.2 53.0/25.07.60 53.21.47 %10.5 %8.64 % 2.00
GIC Housing Finance Ltd 750 Cr. 139 206/1305.20 3713.23 %8.73 %8.98 % 10.0
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of Reliance Home Finance Ltd

Quarterly Result

MetricMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Sales 15.8893.6372.27140.7775.500.120.160.160.180.180.020.020.00
Expenses 6,067.7744.7644.9116.24-9,059.62-6.050.822.725.480.280.402.230.53
Operating Profit -6,051.8948.8727.36124.539,135.126.17-0.66-2.56-5.30-0.10-0.38-2.21-0.53
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 0.470.136.02-0.05-274.140.260.000.000.000.0027.890.340.00
Interest 311.04251.77272.19266.63-759.270.000.000.001.450.340.290.110.16
Depreciation 210.490.510.4921.250.480.000.000.000.000.000.000.000.00
Profit before tax -6,572.95-203.28-239.30-163.409,619.776.43-0.66-2.56-6.75-0.4427.22-1.98-0.69
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 -4,522.19-139.86-164.64-249.245,972.316.43-0.66-2.56-6.75-0.4427.22-1.92-0.69
EPS in Rs -93.23-2.88-3.39-5.14123.130.13-0.01-0.05-0.14-0.010.56-0.04-0.01

Last Updated: January 11, 2026, 9:33 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 4:43 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Sales 4295128151,1141,6832,0001,60084029339110
Expenses 86901422353735758291,9206,802-8,93333
Operating Profit 3424236738791,3111,425771-1,081-6,5099,324-2-3
OPM % 80%82%83%79%78%71%48%-129%-2,220%2,384%-381%-1,464%
Other Income 1001502200-277028
Interest 2773175367491,0621,3231,3371,2201,1853211
Depreciation 00172343212200
Profit before tax 66106137138247102-567-2,303-7,9069,014-424
Tax % 34%35%37%-25%32%34%-34%-34%-31%40%0%-0%
Net Profit 43698717316767-375-1,520-5,4405,419-424
EPS in Rs 6.5910.4913.1814.903.451.39-7.74-31.33-112.14111.71-0.070.50
Dividend Payout % 0%0%0%3%29%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: January 7, 2026, 4:06 pm

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 666666116485485485485485485485485
Reserves 3984685541,0141,3391,357982-538-5,977-559-562-538
Borrowings 2,3773,6406,5489,67013,13615,69913,23512,97612,714879140
Other Liabilities 9041,3855255474475851,0271,9752,922221614
Total Liabilities 3,7455,5577,69411,34715,40818,12515,72914,89810,14435302
Fixed Assets 039446826426626225948000
CWIP 000020100000
Investments 32008050854939511,007161000
Other Assets 3,4255,5187,56910,77115,08717,76614,51613,6319,93635302
Total Assets 3,7455,5577,69411,34715,40818,12515,72914,89810,14435302

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 412-179433-3,296-3,507-1,1894,7133,068-5974,103-229
Cash from Investing Activity + -282293-72-355496-55-856-1,560848-10510
Cash from Financing Activity + 0003,2272,8181,291-3,927-1,374-367-4,0354-9
Net Cash Flow 130114362-425-19447-70135-116-37-170
Free Cash Flow 412-219433-3,294-3,508-1,1944,7143,072-5984,145-229
CFO/OP 122%-37%69%-372%-265%-81%614%-284%9%44%997%-279%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow340.00420.00667.00870.00-12.00-14.00758.00-13.00-18.00-78.00-93.00-43.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 000000000000
Inventory Days
Days Payable
Cash Conversion Cycle 000000000000
Working Capital Days -491-1,002-705-590-138-94-253-682-3,301-4224-23,675
ROCE %13%12%12%10%10%9%5%-8%-67%258%-17%-432%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Promoters 48.78%48.64%48.64%48.64%43.61%0.74%0.74%0.74%0.74%0.74%0.74%0.74%
FIIs 2.19%2.19%2.19%2.19%0.39%0.39%0.39%0.39%0.00%0.00%0.00%0.00%
DIIs 1.56%1.55%1.55%1.55%1.55%1.55%1.55%1.55%1.55%1.55%1.54%1.54%
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 47.46%47.60%47.61%47.60%54.44%97.30%97.31%97.32%97.69%97.69%97.70%97.70%
No. of Shareholders 8,52,8148,60,4948,54,2628,52,4518,54,3518,82,1159,04,9079,50,1229,60,3499,60,34910,06,31210,06,312

Shareholding Pattern Chart

No. of Shareholders

Reliance Home Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 0.50-0.07111.72-112.15-31.33
Diluted EPS (Rs.) 0.50-0.07111.72-112.15-31.33
Cash EPS (Rs.) 0.49-0.07111.75-107.77-31.28
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.) 0.000.017.885.9916.56
PBDIT / Share (Rs.) -0.06-0.04192.23-134.19-22.28
PBIT / Share (Rs.) -0.06-0.04192.19-138.57-22.33
PBT / Share (Rs.) 0.49-0.07185.83-163.00-47.48
Net Profit / Share (Rs.) 0.49-0.07111.71-112.14-31.33
PBDIT Margin (%) -1447.75-381.702439.83-2239.30-134.53
PBIT Margin (%) -1447.75-381.702439.31-2312.27-134.86
PBT Margin (%) 10829.91-574.142358.57-2719.96-286.69
Net Profit Margin (%) 10859.56-574.141417.84-1871.33-189.21
Return on Networth / Equity (%) -45.600.00-7339.250.000.00
Return on Capital Employeed (%) 10.94-7.9160495.39-481.72-15.72
Return On Assets (%) 1528.12-11.8915548.26-53.62-10.20
Long Term Debt / Equity (X) -0.170.00-0.75-1.24-127.24
Total Debt / Equity (X) -0.170.00-0.75-2.31-244.44
Asset Turnover Ratio (%) 0.000.010.070.020.05
Current Ratio (X) 0.020.000.900.721.66
Quick Ratio (X) 0.020.000.900.721.66
Interest Coverage Ratio (X) -3.58-1.63297.71-5.49-0.88
Interest Coverage Ratio (Post Tax) (X) -3.51-1.63182.86-3.59-0.24
Enterprise Value (Cr.) 172.48129.00191.209940.2411782.51
EV / Net Operating Revenue (X) 774.82208.700.5034.2014.67
EV / EBITDA (X) -53.52-54.680.02-1.53-10.90
MarketCap / Net Operating Revenue (X) 736.52228.360.310.640.14
Price / BV (X) -3.10-1.83-1.65-0.03-2.19
Price / Net Operating Revenue (X) 845.00242.500.310.640.14
EarningsYield 0.14-0.0244.51-29.13-13.11

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 0.22 Cr. and Equity Capital is Rs. 485.06 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - HousingTrade World, Kamala Mills Compound, 7th Floor, B Wing, Senapati Bapat Marg, Mumbai Maharashtra 400013Contact not found
Management
NamePosition Held
Ms. Rashna Hoshang KhanDirector
Mr. Sudeep GhoshalDirector
Ms. Chhaya ViraniDirector
Mr. Ashok RamaswamyDirector
Mr. Sushilkumar AgrawalDirector
Mr. Ashish TurakhiaDirector

FAQ

What is the intrinsic value of Reliance Home Finance Ltd and is it undervalued?

As of 15 April 2026, Reliance Home Finance Ltd's intrinsic value is ₹34.99, which is 1328.16% higher than the current market price of ₹2.45, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (%), book value (₹1.09), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Reliance Home Finance Ltd?

Reliance Home Finance Ltd is trading at ₹2.45 as of 15 April 2026, with a FY2026-2027 high of ₹7.84 and low of ₹1.94. The stock is currently near its 52-week low. Market cap stands at ₹119 Cr..

How does Reliance Home Finance Ltd's P/E ratio compare to its industry?

Reliance Home Finance Ltd has a P/E ratio of , which is below the industry average of 9.06. This is broadly in line with or below the industry average.

Is Reliance Home Finance Ltd financially healthy?

Key indicators for Reliance Home Finance Ltd: ROCE of 432 % indicates efficient capital utilization; ROE of % is below ideal levels (industry average: 13.33%). Dividend yield is 0.00 %.

Is Reliance Home Finance Ltd profitable and how is the profit trend?

Reliance Home Finance Ltd reported a net profit of ₹24 Cr in Mar 2025. Compared to ₹-5,440 Cr in Mar 2022, the net profit shows an improving trend.

Does Reliance Home Finance Ltd pay dividends?

Reliance Home Finance Ltd has a dividend yield of 0.00 % at the current price of ₹2.45. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Reliance Home Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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