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 27-Apr-2026 16:59:59 at 16:59 is 2.01.

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

The latest standalone P/E ratio of Reliance Home Finance as of 27-Apr-2026 is 4.03.

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 27-Apr-2026 is -1.67.

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.

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

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

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

Reliance Home Finance Ltd (RHFL)

BSE: 540709 NSE: RHFL

Key Metrics

Market Cap

₹98 Cr.

Earnings Per Share (TTM)

₹0.50

P/E Ratio

4.03

Price to Book (P/B)

-1.67

EV/EBITDA

-32.75

Current Price

₹2

Return on Capital Employed (ROCE)

250.03%

Return on Equity (ROE)

0.00%

Return on Assets (ROA)

164.02%

Gross NPA(%)

0.00

Book Value per Share

₹-1.2

Net NPA(%)

0.00

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

NA%

Net Interest Income Growth (3 Years)

11.84%

52-Week Low / High

₹2 / 8

Book Value Growth (1 Year)

NA%

Book Value Growth (3 Years)

-137.88%

Check Before You Invest

Q.1 Does its ROIC exceed its WACC?

Reliance Home Finance Ltd return on invested capital (ROIC) is % for FY-, is - than its estimated weighted average cost of capital (WACC) of %, indicating -.

Q.1 Stock return of Reliance Home Finance Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of -5.73% based on the current price.

Q.1 Which industry/sub-sector does Reliance Home Finance Ltd belong to?

Reliance Home Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.1 Total Income growth of Reliance Home Finance Ltd?

Reliance Home Finance Ltd Operating Income growth is % for FY-, which is below its --year CAGR of N/A%, indicating slower growth.

Q.1 Promoter shareholding and pledge status of Reliance Home Finance Ltd?

Promoters hold 0.74% of the Reliance Home Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 AUM Growth of Reliance Home Finance Ltd vs Industry Peers?

Reliance Home Finance Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of 4.02%, indicating slower growth and losing its market share.

DeciZen - make an informed investing decision on Reliance Home Financ

Based on:

Data

M-Cap below 100cr DeciZen not available

Reliance Home Finance stock performance

Key Ratios

Is Reliance Home Finance Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

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	-	-5.7%	-14.1%	-38%

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

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	0.5	-
TTM Sales (₹ Cr.)	0.2	-
BVPS (₹) ⓘ	-1.2	-
Reserves (₹ Cr.) ⓘ	-543	-
P/BV ⓘ	-1.67	-
PE ⓘ	4.03	-

From the Market
52 Week Low / High (₹)	1.95 / 7.84
All Time Low / High (₹)	0.71 / 115.00
Market Cap (₹ Cr.)	97.5
Equity (₹ Cr.)	485.1
Face Value (₹)	10
Industry PE ⓘ	15.2

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Reliance Home Financ - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Income +	433.72	512.60	823.15	1,354.62	1,683.34	2,002.59	1,602.91	840.42	293.50	9,442.90
Interest Income	426.83	500.95	804.16	1,073.28	1,622.75	1,986.03	1,587.39	803.26	290.68	382.17
Other Income ⓘ	30.81	16.57	31.26	283.29	166.37	352.90	676.83	1,824.76	6,719.64	0.13
Exceptional Items ⓘ	6.89	11.65	18.99	281.34	60.59	16.56	15.52	37.16	2.82	9,060.73
Expenditure ⓘ +	367.68	406.70	686.45	1,216.82	1,436.41	1,900.99	2,170.19	3,143.31	8,199.90	151.87
Interest Expense ⓘ	277.21	317	536.24	749.01	1,061.74	1,322.57	1,336.72	1,219.82	1,185.34	31.50
Operating Expenses ⓘ	59.66	73.13	118.95	184.52	208.30	225.52	156.64	98.73	294.92	120.24
Provisions	30.81	16.57	31.26	283.29	166.37	352.90	676.83	1,824.76	6,719.64	0.13
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	-277.24
Profit Before Tax ⓘ	66.05	105.91	136.70	137.80	246.93	101.60	-567.28	-2,302.89	-7,906.40	9,013.79
Taxes ⓘ	22.66	36.85	49.94	-34.79	79.60	34.18	-191.96	-782.98	-2,466.80	3,595.22
Profit After Tax	43.39	69.06	86.76	172.59	167.33	67.42	-375.32	-1,519.91	-5,439.60	5,418.57
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%	3.40%	29%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

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 +	464.30	533.36	620.12	1,098.56	1,824.52	1,842	1,466.75	-52.96	-5,492.40	-73.83
Share Capital ⓘ	65.82	65.82	65.82	115.82	485.06	485.06	485.06	485.06	485.06	485.06
Reserves ⓘ	398.48	467.54	554.30	982.74	1,339.46	1,356.94	981.69	-538.02	-5,977.46	-558.89
Short term borrowings	207.63	815.52	768.30	1,003.68	1,089.83	4,399.49	2,882.07	2,565.37	2,255.45	0
Long Term Borrowings	2,191.17	2,941.70	4,660.95	7,264.27	11,891.78	11,143.87	10,007.54	9,282.53	6,875.35	98.54
Current Liabilities	1,089.43	2,163.47	2,545.14	2,829.75	1,537.10	4,984.01	3,909.28	4,539.94	5,177.72	21.69
Trade Payables	1.47	2.32	1.92	4.79	4.26	6.32	0	0.82	0.84	0
Other Liabilities	-209.10	-817.84	-770.22	-977.43	-1,094.09	-4,405.81	-2,882.07	-2,566.19	-2,256.29	-0
Total Liabilities ⓘ	3,744.90	5,638.54	7,826.21	11,223.62	15,253.40	17,969.88	15,383.57	13,769.51	6,560.67	46.40
Assets
Non Current Asset +	2,710.97	4,527.36	6,019.27	9,404.44	14,825.15	16,766.47	13,734.53	12,226.58	3,393.43	28.86
Loan Asset	0	0	5,953.73	9,051.38	14,410.45	16,251.09	13,240.11	10,787.33	3,108.31	0
Other Non Current Asset ⓘ	2,710.97	4,527.36	65.54	353.06	414.70	515.38	494.42	1,439.25	285.12	28.86
Current Asset +	1,033.94	1,111.17	1,763.54	1,736.61	428.25	1,203.41	1,649.04	1,542.93	3,167.24	17.54
Current Investment	320	0	73.48	454.38	0	23.85	938.52	9.50	6.87	0
Other Current Asset	713.94	1,111.17	1,690.06	1,282.23	428.25	1,179.56	710.52	1,533.43	3,160.37	17.54
Total Assets ⓘ	3,744.90	5,638.54	7,826.21	11,223.62	15,253.40	17,969.88	15,383.57	13,769.51	6,560.67	46.40

Cash Flow

(All Figures are in Crores.)

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 ⓘ	412.05	-179.27	433.43	-3,296.27	-3,507.32	-1,189.02	4,713.05	3,068.08	-597.38	4,103.02
Cash Flow From Investing Activity ⓘ	-281.72	293.15	-71.50	-355.05	495.79	-55	-856.08	-1,559.74	848.31	103.21
Cash Flow From Financing Activity ⓘ	0	0	0	3,226.73	2,817.99	1,290.91	-3,927.20	-1,373.57	-366.90	-4,035.08
Net Cash Flow ⓘ	130.33	113.88	361.93	-424.59	-193.54	46.89	-70.23	134.77	-115.97	171.15

Finance Ratio

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 (₹)	6.60	10.50	13.20	14.90	3.50	1.40	-7.70	-31.30	-112.10	111.70
DPS (₹)	0	0	0	0.50	1	0	0	0	0	0
BVPS (₹)	70.5	81	87.6	87.7	37.6	37.7	30	-1.3	-113.5	-1.6
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 FAQs

The current trading price of Reliance Home Financ on 27-Apr-2026 16:59 is ₹2.01.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 26-Apr-2026 the market cap of Reliance Home Financ stood at ₹97.50 Cr

The latest P/E ratio of Reliance Home Financ as of 26-Apr-2026 is 4.03.

The latest P/B ratio of Reliance Home Financ as of 26-Apr-2026 is -1.67.

The 52-week high of Reliance Home Financ is ₹7.84 and the 52-week low is ₹1.95.

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

About Reliance Home Finance Ltd

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

Reliance Home Financ Share Price