Reliance Home Finance Ltd Stock Analysis

BSE: 540709 | NSE: RHFL | Finance - Housing | Small Cap

BSE Share Price 27-Jan-2023 18:01
2.87 -0.09 (-3.04%)

DeciZen - Make an Informed Decision on Reliance Home Financ

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity

1. Quality

2. Valuation

Undervalued

3. Price Trend

Reliance Home Financ Price Chart

P/E Ratio ( SA) :
0.00
Market Cap :
139.2 Cr.
52-wk low :
2.7
52-wk high :
6.7
Bole Toh?

1. Is Reliance Home Finance Ltd 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.

2. Is Reliance Home Finance Ltd 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 Undervalued zone.

3. Is Reliance Home Finance Ltd 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.

10 Year X-Ray of Reliance Home Financ:

Analysis of Financial Track Record

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

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Reliance Home Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)3584275018041,0731,6231,9861,587803291256
YoY Gr. Rt. %-19.1%17.4%60.5%33.5%51.2%22.4%-20.1%-49.4%-63.8%-
Adj EPS (₹ ) 4.16.610.513.214.93.51.4-7.7-31.3-112.1-106.6
YoY Gr. Rt. %-59.6%59.2%25.6%13.1%-76.9%-59.7%-656.8%NANA-
BVPS (₹ )6470.58187.687.737.637.730-1.3-113.5-119.8
YoY Gr. Rt. %-10.3%14.9%8.1%0.1%-57.2%0.4%-20.5%-104.4%NA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)11.31.51.31.81.30.4-2.3-10.4-53.50

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income-2.3%-23%-47.3%-63.8%
Adj EPS-244.3%-249.7%-532.1%NA
BVPS-206.6%-205.3%-244.3%NA
Share Price - -48.7% 24.7% -46.5%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)00000.60.70000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 020.415.216.319.219.80000-
Margins
Net Profit Margin (%)7.710.213.810.816.110.33.4-23.6-189.2-1871.3-2018.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)6.89.813.915.621.711.83.7-22.9-218.6089

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 91.40%

Total Income has declined -41.66 CAGR in last 3 years

Net Profit has declined -532.10 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Reliance Home Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -106.6 -
TTM Sales (₹ Cr.) 256 -
BVPS (₹.) -119.8 -
Reserves (₹ Cr.) -6,294 -
P/BV -0.02 -
PE 0.00 -
From the Market
52 Week Low / High (₹) 2.69 / 6.65
All Time Low / High (₹) 0.71 / 115.00
Market Cap (₹ Cr.) 139
Equity (₹ Cr.) 485.1
Face Value (₹) 10
Industry PE 24.3

Management X-Ray of Reliance Home Financ :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of Reliance Home Financ

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

Reliance Home Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Reliance Home Financ on 27-Jan-2023 18:01 is : 2.87.
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 27-Jan-2023 18:01 the market cap of Reliance Home Financ stood at ₹ 139.2.
The latest PE ratio of Reliance Home Financ as of 27-Jan-2023 18:01 is 0.00.
The latest PB ratio of Reliance Home Financ as of 27-Jan-2023 18:01 is -0.02
The 52-week high of Reliance Home Financ is ₹ 6.65 and the 52-week low is ₹ 2.69.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue / sales of Reliance Home Financ is ₹ 256.2 ( Cr.) .

About Reliance Home Finance Ltd

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