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

As of 07 July 2026, Reliance Home Finance Ltd's intrinsic value is 35.60, which is 1548.15% higher than the current market price of 2.16, suggesting the stock is undervalued. 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 2.16 as of 07 July 2026, with a FY2026-2027 high of 5.86 and low of 1.82. The stock is currently near its 52-week low. Market cap stands at 104 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 8.50. This is broadly in line with or below the industry average.

Is Reliance Home Finance Ltd financially healthy?

Key indicators: ROCE of 432 % indicates efficient capital utilization. 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 2.16. The company is currently not paying meaningful dividends.

Reliance Home Finance Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹2.00Fairly Valued by 7.41%vs CMP ₹2.16

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

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

₹35.60Undervalued by 1,548.15%vs CMP ₹2.16

MoS: +93.9% (Strong)Confidence: 58/100 (Moderate)Models: All 5: Undervalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹4.02	24%	Under (+86.1%)
Graham Number	Earnings	₹3.50	24%	Under (+62%)
Earnings Power	Earnings	₹158.97	19%	Under (+7259.7%)
DCF	Cash Flow	₹12.23	19%	Under (+466.2%)
Earnings Yield	Earnings	₹5.00	13%	Under (+131.5%)
Consensus (5 models)		₹35.60	100%	Undervalued

Key Drivers: EPS CAGR 101.0% lifts DCF — verify sustainability. | Wide model spread (₹4–₹159) — 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

Analyst Summary

Reliance Home Finance Ltd operates in the Finance - Housing segment, current market price is ₹2.16, market cap is 104 Cr.. At a glance, ROE is %, ROCE is 432 %, book value is 1.09, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹35.60, which is about 1,548.1% above the current price, so the page currently reads as potentially undervalued rather than fully priced. On operating trend, latest reported sales are about ₹0 Cr versus the prior period change of -100.0%, while latest net profit is about ₹24 Cr with a prior-period change of 700.0%. The 52-week range shown on this page is 5.86/1.82, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisReliance 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…

This summary is generated from the stock page data available for Reliance Home Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

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 47.7% 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.

Share Price and Basic Stock Data

Last Updated: July 2, 2026, 9:40 pm

Market Cap	104 Cr.
Current Price	2.16
Intrinsic Value	₹35.60
High / Low	5.86/1.82
Stock P/E
Book Value	1.09
Dividend Yield	0.00 %
ROCE	432 %
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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Reliance Home Finance Ltd	104 Cr.	2.16	5.86/1.82		1.09	0.00 %	432 %	%	10.0
Coral India Finance & Housing Ltd	131 Cr.	33.1	53.0/25.0	8.85	51.4	1.21 %	8.06 %	6.91 %	2.00
GIC Housing Finance Ltd	824 Cr.	153	206/130	5.33	391	2.95 %	7.71 %	7.59 %	10.0
Repco Home Finance Ltd	2,661 Cr.	425	464/334	5.88	624	1.06 %	10.3 %	12.5 %	10.0
Indiabulls Housing Finance Ltd	8,279 Cr.	167	209/115	6.77	268	0.76 %	10.1 %	6.55 %	2.00
Industry Average	10,870.00 Cr	436.98		10.38	355.95	1.09%	47.65%	12.93%	5.64

All Competitor Stocks of Reliance Home Finance Ltd

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: January 11, 2026, 9:33 am

Quarterly Chart

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%

Profit & Loss Yearly Chart

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

No data available for the Balance Sheet data table.

Reserves and Borrowings Chart

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
Cash from Operating Activity +	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103	-22	9
Cash from Investing Activity +	-282	293	-72	-355	496	-55	-856	-1,560	848	-105	1	0
Cash from Financing Activity +	-0	-0	-0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035	4	-9
Net Cash Flow	130	114	362	-425	-194	47	-70	135	-116	-37	-17	0
Free Cash Flow	412	-219	433	-3,294	-3,508	-1,194	4,714	3,072	-598	4,145	-22	9
CFO/OP	122%	-37%	69%	-372%	-265%	-81%	614%	-284%	9%	44%	997%	-279%

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 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	8,52,814	8,60,494	8,54,262	8,52,451	8,54,351	8,82,115	9,04,907	9,50,122	9,60,349	9,60,349	10,06,312	10,06,312

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

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

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.

INDUSTRY	ADDRESS	CONTACT
Finance - Housing	Trade World, Kamala Mills Compound, 7th Floor, B Wing, Senapati Bapat Marg, Mumbai Maharashtra 400013	Contact not found

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

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