Is Reliance Home Finance Ltd (RHFL) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Reliance Home Finance Ltd is a average quality company .

Is Reliance Home Finance Ltd (RHFL) undervalued or overvalued?

The key valuation ratios of Reliance Home Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone .

What is Reliance Home Finance Ltd (RHFL) share price return in the past 10 years?

Data is not available for this company

Is Reliance Home Finance Ltd (RHFL) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Reliance Home Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of Reliance Home Finance Ltd (RHFL)?

Company share prices are keep on changing according to the market conditions. The current trading price of Reliance Home Finance Ltd (RHFL) on 13-Apr-2026 16:59:59 at 16:59 is 2.22.

What is the market cap of Reliance Home Finance Ltd (RHFL)?

Market capitalization is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 13-Apr-2026 at 16:59, the market cap of Reliance Home Finance stood at Rs. 107.68 Cr.

What is the P/E ratio of Reliance Home Finance?

The latest standalone P/E ratio of Reliance Home Finance as of 13-Apr-2026 is 4.45.

What is the P/B ratio of Reliance Home Finance Ltd (RHFL)?

The latest standalone P/B ratio of Reliance Home Finance Ltd (RHFL) as of 13-Apr-2026 is -1.85.

What is the 52-week high and low of Reliance Home Finance Ltd (RHFL)?

The 52-week high of Reliance Home Finance Ltd (RHFL) is Rs. 7.84 and the 52-week low is Rs. 1.95.

What is the TTM revenue of Reliance Home Finance Ltd (RHFL)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Reliance Home Finance is Rs. 0.22 (Cr.).

Reliance Home Finance Ltd (RHFL) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Reliance Home Finance Ltd (RHFL)
Brand: Reliance Home Finance

10 Year X-Ray :

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	TTM
Operating Income (₹ Cr.)	427	501	804	1,073	1,623	1,986	1,587	803	291	382	0
YoY Gr. Rt. %	-	17.4%	60.5%	33.5%	51.2%	22.4%	-20.1%	-49.4%	-63.8%	31.5%	-
Adj EPS (₹ )	6.6	10.5	13.2	14.9	3.5	1.4	-7.7	-31.3	-112.1	111.7	0.5
YoY Gr. Rt. %	-	59.2%	25.6%	13.1%	-76.9%	-59.7%	-656.8%	NA	NA	NA	-
BVPS (₹ )	70.5	81	87.6	87.7	37.6	37.7	30	-1.3	-113.5	-1.6	-1.2
YoY Gr. Rt. %	-	14.9%	8.1%	0.1%	-57.2%	0.4%	-20.5%	-104.4%	NA	NA	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.3	1.5	1.3	1.8	1.3	0.4	-2.3	-10.4	-53.5	164	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-1.2%	-25.1%	-37.8%	31.5%
Adj EPS	37%	100.5%	NA	NA
BVPS	-165.8%	-153.4%	-137.9%	NA
Share Price	-	-1.6%	-13.8%	-34.5%

Key Financial Ratios


RATIOS \ YEARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0.6	0.7	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	20.4	15.2	16.3	19.2	19.8	0	0	0	0	0	-
Margins
Net Profit Margin (%)	10.2	13.8	10.8	16.1	10.3	3.4	-23.6	-189.2	-1871.3	1417.8	11024.1
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	9.8	13.9	15.6	21.7	11.8	3.7	-22.9	-218.6	0	0	-41.9

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined -56.25 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

	Standalone	Consolidated
TTM EPS (₹)	0.5	-
TTM Sales (₹ Cr.)	0.2	-
BVPS (₹) ⓘ	-1.2	-
Reserves (₹ Cr.) ⓘ	-543	-
P/BV ⓘ	-1.85	-
PE ⓘ	4.45	-

From the Market
52 Week Low / High (₹)	1.95 / 7.84
All Time Low / High (₹)	0.71 / 115.00
Market Cap (₹ Cr.)	108
Equity (₹ Cr.)	485.1
Face Value (₹)	10
Industry PE ⓘ	15.8

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Income +	434	513	823	1,355	1,683	2,003	1,603	840	294	9,443
Interest Income	427	501	804	1,073	1,623	1,986	1,587	803	291	382
Other Income ⓘ	31	17	31	283	166	353	677	1,825	6,720	0
Exceptional Items ⓘ	7	12	19	281	61	17	16	37	3	9,061
Expenditure ⓘ +	368	407	686	1,217	1,436	1,901	2,170	3,143	8,200	152
Interest Expense ⓘ	277	317	536	749	1,062	1,323	1,337	1,220	1,185	32
Operating Expenses ⓘ	60	73	119	185	208	226	157	99	295	120
Provisions	31	17	31	283	166	353	677	1,825	6,720	0
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	-277
Profit Before Tax ⓘ	66	106	137	138	247	102	-567	-2,303	-7,906	9,014
Taxes ⓘ	23	37	50	-35	80	34	-192	-783	-2,467	3,595
Profit After Tax	43	69	87	173	167	67	-375	-1,520	-5,440	5,419
Adjusted EPS (₹)	6.6	10.5	13.2	14.9	3.5	1.4	-7.7	-31.3	-112.0	111.7
Dividend Payout Ratio (%)	0%	0%	0%	3%	29%	0%	0%	0%	0%	0%

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Equity and Liabilities
Equity Capital +	464	533	620	1,099	1,825	1,842	1,467	-53	-5,492	-74
Share Capital ⓘ	66	66	66	116	485	485	485	485	485	485
Reserves ⓘ	398	468	554	983	1,339	1,357	982	-538	-5,977	-559
Short term borrowings	208	816	768	1,004	1,090	4,399	2,882	2,565	2,255	0
Long Term Borrowings	2,191	2,942	4,661	7,264	11,892	11,144	10,008	9,283	6,875	99
Current Liabilities	1,089	2,163	2,545	2,830	1,537	4,984	3,909	4,540	5,178	22
Trade Payables	1	2	2	5	4	6	0	1	1	0
Other Liabilities	-209	-818	-770	-977	-1,094	-4,406	-2,882	-2,566	-2,256	-0
Total Liabilities ⓘ	3,745	5,639	7,826	11,224	15,253	17,970	15,384	13,770	6,561	46
Assets
Non Current Asset +	2,711	4,527	6,019	9,404	14,825	16,766	13,735	12,227	3,393	29
Loan Asset	0	0	5,954	9,051	14,410	16,251	13,240	10,787	3,108	0
Other Non Current Asset ⓘ	2,711	4,527	66	353	415	515	494	1,439	285	29
Current Asset +	1,034	1,111	1,764	1,737	428	1,203	1,649	1,543	3,167	18
Current Investment	320	0	73	454	0	24	939	10	7	0
Other Current Asset	714	1,111	1,690	1,282	428	1,180	711	1,533	3,160	18
Total Assets ⓘ	3,745	5,639	7,826	11,224	15,253	17,970	15,384	13,770	6,561	46

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Cash Flow From Operating Activity ⓘ	412	-179	433	-3,296	-3,507	-1,189	4,713	3,068	-597	4,103
Cash Flow From Investing Activity ⓘ	-282	293	-72	-355	496	-55	-856	-1,560	848	103
Cash Flow From Financing Activity ⓘ	0	0	0	3,227	2,818	1,291	-3,927	-1,374	-367	-4,035
Net Cash Flow ⓘ	130	114	362	-425	-194	47	-70	135	-116	171

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Operational & Financial Ratios
EPS (₹)	7	10	13	15	3	1	-8	-31	-112	112
DPS (₹)	0	0	0	1	1	0	0	0	0	0
BVPS (₹)	71	81	88	88	38	38	30	-1	-113	-2
Performance Ratios
ROA (%)	1.3	1.5	1.3	1.8	1.3	0.4	-2.3	-10.4	-53.5	164.0
ROE (%)	9.8	13.9	15.6	21.7	11.8	3.7	-22.9	-218.0	0.0	0.0
ROCE (%)	10.9	10.0	11.1	9.9	10.2	8.8	4.8	-7.8	-66.7	250.0
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	1.6	0.8	0.0	-1.8	-0.0	-1.5

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Reliance Home Finance Ltd (RHFL) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Reliance Home Financ Share Price