Reliance Home Finance Ltd - Stock Valuation and Financial Performance

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

Reliance Home Financ Share Price

2.91 -0.03 -1.02%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Reliance Home Financ

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

1. Quality

2. Valuation

Fair

3. Price Trend

Reliance Home Finance stock performance -

mw4me loader
P/E Ratio (SA):
0.02
Market Cap:
141.2 Cr.
52-wk low:
1.6
52-wk high:
6.2

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

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 Fair 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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)4275018041,0731,6231,9861,58780329138276
YoY Gr. Rt. %-17.4%60.5%33.5%51.2%22.4%-20.1%-49.4%-63.8%31.5%-
Adj EPS (₹ ) 6.610.513.214.93.51.4-7.7-31.3-112.1111.7123.2
YoY Gr. Rt. %-59.2%25.6%13.1%-76.9%-59.7%-656.8%NANANA-
BVPS (₹ )70.58187.687.737.637.730-1.3-113.5-1.6-1.6
YoY Gr. Rt. %-14.9%8.1%0.1%-57.2%0.4%-20.5%-104.4%NANA-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.31.51.31.81.30.4-2.3-10.4-53.51640

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 EPS37%100.5%NANA
BVPS-165.8%-153.4%-137.9%NA
Share Price - -36.7% 6.9% 20.8%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000.60.700000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 20.415.216.319.219.800000-
Margins
Net Profit Margin (%)10.213.810.816.110.33.4-23.6-189.2-1871.31417.87868.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.813.915.621.711.83.7-22.9-218.600-7868.7

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined 23.40 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

Latest Financials - Reliance Home Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 123.2 -
TTM Sales (₹ Cr.) 75.9 -
BVPS (₹.) -1.6 -
Reserves (₹ Cr.) -561 -
P/BV -1.87 -
PE 0.02 -
From the Market
52 Week Low / High (₹) 1.61 / 6.22
All Time Low / High (₹) 0.71 / 115.00
Market Cap (₹ Cr.) 141
Equity (₹ Cr.) 485.1
Face Value (₹) 10
Industry PE 8.7

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.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income4345138231,3551,6832,0031,6038402949,443
Interest Income4275018041,0731,6231,9861,587803291382
Other Income 712192816117163739,061
Expenditure 3684076861,2171,4361,9012,1703,1438,200152
Interest Expense 2773175367491,0621,3231,3371,2201,18532
Operating Expenses 607311918520822615799295120
Provisions 3117312831663536771,8256,7200
Exceptional Items 000000000-277
Profit Before Tax 66106137138247102-567-2,303-7,9069,014
Taxes 233750-358034-192-783-2,4673,595
Profit After Tax 43698717316767-375-1,520-5,4405,419
Adjusted EPS (₹)6.610.513.214.93.51.4-7.7-31.3-112.0111.7
Dividend Payout Ratio (%)0%0%0%3%29%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital4645336201,0991,8251,8421,467-53-5,492-74
Share Capital 666666116485485485485485485
Reserves 3984685549831,3391,357982-538-5,977-559
Minority Interest0000000000
Long Term Borrowings2,1912,9424,6617,26411,89211,14410,0089,2836,87599
Current Liabilities 1,0892,1632,5452,8301,5374,9843,9094,5405,17822
Trade Payables1225460110
Short term borrowings2088167681,0041,0904,3992,8822,5652,2550
Other Liabilities-209-818-770-977-1,094-4,406-2,882-2,566-2,2560
Total Liabilities 3,7455,6397,82611,22415,25317,97015,38413,7706,56146

Assets

Non Current Asset 2,7114,5276,0199,40414,82516,76613,73512,2273,39329
Loan Asset 005,9549,05114,41016,25113,24010,7873,1080
Other Non Current Asset 2,7114,527663534155154941,43928529
Current Asset 1,0341,1111,7641,7374281,2031,6491,5433,16718
Current Investment3200734540249391070
Other Current Asset7141,1111,6901,2824281,1807111,5333,16018
Total Assets 3,7455,6397,82611,22415,25317,97015,38413,7706,56146

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 412-179433-3,296-3,507-1,1894,7133,068-5974,103
Cash Flow From Investing Activity -282293-72-355496-55-856-1,560848103
Cash Flow From Financing Activity 0003,2272,8181,291-3,927-1,374-367-4,035
Net Cash Flow 130114362-425-19447-70135-116171
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)710131531-8-31-112112
DPS (₹)0001100000
BVPS (₹)71818888383830-1-113-2

Performance Ratios

ROA (%)1.31.51.31.81.30.4-2.3-10.4-53.5164.0
ROE (%)9.813.915.621.711.83.7-22.9-218.00.00.0
ROCE (%)10.910.011.19.910.28.84.8-7.8-66.7250.0

Valuation Parameters

Price/Book(x)0.00.00.00.01.60.80.0-1.80.0-1.5

Reliance Home Finance Ltd Stock 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 28-Mar-2024 16:01 is ₹2.91.
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 28-Mar-2024 16:01 the market cap of Reliance Home Financ stood at ₹141.2.
The latest P/E ratio of Reliance Home Financ as of 28-Mar-2024 16:01 is 0.02.
The latest P/B ratio of Reliance Home Financ as of 28-Mar-2024 16:01 is -1.87.
The 52-week high of Reliance Home Financ is ₹6.22 and the 52-week low is ₹1.61.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Reliance Home Financ is ₹75.94 ( Cr.) .

About Reliance Home Finance Ltd

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