Reliance Home Financ

₹3.5 -0.1 | 1.9%

WEBSITE BSE:540709 NSE : RHFL 18 May, 12:50

Market Cap ₹172 Cr.

Stock P/E 0.0

P/B -2.3

Current Price ₹3.5

Book Value ₹ -1.6

Face Value 10

52W High ₹6.2

Dividend Yield 0%

52W Low ₹ 1.6

Edit Ratio

Reliance Home Financ Research see more...

Overview Inc. Year: 2008Industry: Finance - Housing

Reliance Home Finance Limited (RHF) is a company that provides housing finance services in India. RHF was incorporated in 2008 and is headquartered in Mumbai, Maharashtra. Their offerings include home loans for affordable housing, loan against property, construction finance and they also provide property services and valuation services.Company's vision is to become the most profitable, innovative, and trusted financial services company in India and in the emerging markets.RHF’s shareholding consists of 94.16% of public shareholding, 0.74% of promoter shareholding, and 1.95% of institutional shareholding. RHF’s promoters include Anil D Ambani, Tina A Ambani, Jai Anmol A Ambani, Jai Anshul A Ambani, Kokila D Ambani, and Reliance Capital Limited. However, RHF has been facing financial challenges due to the debt crisis in the non-banking financial sector and has been downgraded by credit rating agencies. RHF is currently undergoing a resolution process under the Inter-Creditor Agreement framework.

Reliance Home Financ Share Price

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

Reliance Home Financ Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Operating Revenue	70	76	16	94	72	141	76	0	0	0
Other Income	1	0	0	0	6	-0	3	0	0	0
Total Income	71	76	16	94	78	141	79	0	0	0
Total Expenditure	227	216	6068	45	45	16	-9060	-6	1	3
Operating Profit	-156	-140	-6051	49	33	124	9138	6	-1	-3
Interest Expense	275	326	311	252	272	267	-759	0	0	0
Depreciation	1	1	210	1	0	21	0	0	0	0
Profit Before Tax	-431	-467	-6573	-203	-239	-163	9620	6	-1	-3
Provision for Tax	-147	-121	-2051	-63	-75	86	3647	0	0	0
Profit After Tax	-284	-345	-4522	-140	-165	-249	5972	6	-1	-3
Adjustments	0	0	0	0	0	-0	0	0	0	0
Profit After Adjustments	-284	-345	-4522	-140	-165	-249	5972	6	-1	-3
Adjusted Earnings Per Share	-5.9	-7.1	-93.2	-2.9	-3.4	-5.1	123.1	0.1	-0	-0.1

Reliance Home Financ Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	358	427	501	804	1073	1623	1986	1587	803	291	382	76
Other Income	6	7	12	19	281	61	17	16	37	3	9061	3
Total Income	365	434	513	823	1355	1683	2003	1603	840	294	9443	79
Total Expenditure	68	90	90	149	461	373	575	830	1921	6802	118	-9062
Operating Profit	297	343	423	674	894	1311	1428	773	-1080	-6509	9324	9140
Interest Expense	254	277	317	536	749	1062	1323	1337	1220	1185	32	-759
Depreciation	0	0	0	1	7	2	3	4	3	212	2	0
Profit Before Tax	42	66	106	137	138	247	102	-567	-2303	-7906	9014	9622
Provision for Tax	15	23	37	50	-35	80	34	-192	-783	-2467	3595	3647
Profit After Tax	27	43	69	87	173	167	67	-375	-1520	-5440	5419	5974
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	27	43	69	87	173	167	67	-375	-1520	-5440	5419	5974
Adjusted Earnings Per Share	0	0	0	0	0	3.4	1.4	-7.7	-31.3	-112.1	111.7	123.1

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	31%	-38%	-25%	1%
Operating Profit CAGR	0%	129%	48%	41%
PAT CAGR	0%	0%	101%	70%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	20%	10%	-29%	NA%
ROE Average	0%	-73%	-48%	-14%
ROCE Average	250%	58%	38%	23%

Reliance Home Financ Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	421	464	533	620	1130	1825	1842	1467	-53	-5492	-74
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	1915	2169	2824	4619	7278	12046	11299	10353	10411	10459	87
Current Liability	600	1089	2163	2545	2830	1537	4984	3909	4540	5178	22
Other Liabilities & Provisions	18	22	118	42	-14	-154	-156	-346	-1128	-3584	12
Total Liabilities	2954	3745	5639	7826	11224	15253	17970	15384	13770	6561	46
Loans	0	0	0	5954	9051	14410	16251	13240	10787	3108	0
Investments	14	0	0	7	53	59	74	17	1002	154	0
Fixed Assets	0	0	39	44	68	260	261	257	255	43	0
Other Loans	2483	2644	4452	1	57	45	72	70	73	76	29
Other Non Current Assets	96	67	36	57	258	51	108	150	109	8	0
Current Assets	361	1034	1111	1764	1737	428	1203	1649	1543	3167	18
Total Assets	2954	3745	5639	7826	11224	15253	17970	15384	13770	6561	46

Reliance Home Financ Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	50	71	201	315	677	252	59	106	36	170	54
Cash Flow from Operating Activities	-2	412	-179	433	-3296	-3507	-1189	4713	3068	-597	4103
Cash Flow from Investing Activities	23	-282	293	-72	-355	496	-55	-856	-1560	848	103
Cash Flow from Financing Activities	-0	0	0	0	3227	2818	1291	-3927	-1374	-367	-4035
Net Cash Inflow / Outflow	21	130	114	362	-425	-194	47	-70	135	-116	171
Closing Cash & Cash Equivalent	71	201	315	677	252	59	106	36	170	54	18

Reliance Home Financ Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0	0	0	0	0	3.45	1.39	-7.74	-31.33	-112.14	111.71
CEPS(Rs)	4.2	6.62	10.5	13.29	15.51	3.49	1.46	-7.66	-31.28	-107.77	111.75
DPS(Rs)	0	0	0	0	0.5	1	0	0	0	0	0
Book NAV/Share(Rs)	0	0	0	0	0	37.57	37.73	30	-1.33	-113.47	-1.63
Net Profit Margin	7.67	10.17	13.79	10.79	16.08	10.31	3.39	-23.64	-189.22	-1871.34	1417.84
Operating Margin	82.73	80.42	84.42	83.68	82.63	80.65	71.71	48.47	-134.83	-2312.19	2366.82
PBT Margin	11.73	15.47	21.14	17	12.84	15.22	5.12	-35.74	-286.69	-2719.97	2358.58
ROA(%)	0.99	1.3	1.47	1.29	1.81	1.26	0.41	-2.25	-10.43	-53.51	164.02
ROE(%)	6.77	9.8	13.85	15.63	21.67	11.79	3.69	-22.85	-218.61	0	0
ROCE(%)	11.22	10.94	10.02	11.14	9.94	10.19	8.76	4.77	-7.84	-66.73	250.03
Price/Earnings(x)	0	0	0	0	0	17.47	20.65	0	0	0	0.02
Price/Book(x)	0	0	0	0	0	1.6	0.76	0.03	-1.79	-0.03	-1.54
Dividend Yield(%)	0	0	0	0	0	1.66	0	0	0	0	0
EV/Net Sales(x)	6.6	6.76	8.25	7.33	8.88	9.82	8.31	8.04	14.67	34.2	0.5
EV/Core EBITDA(x)	7.98	8.4	9.77	8.75	10.67	12.16	11.56	16.51	-10.91	-1.53	0.02
Interest Earned Growth(%)	4.98	19.13	17.36	60.53	33.47	51.2	22.39	-20.07	-49.4	-63.81	31.47
Net Profit Growth	3.89	57.88	59.17	25.62	98.93	-3.05	-59.71	-656.69	-304.96	-257.89	199.61
EPS Growth(%)	0	0	0	0	0	0	-59.71	-656.7	-304.96	-257.89	199.61
Interest Coverage(x) %	1.17	1.24	1.33	1.25	1.18	1.23	1.08	0.58	-0.89	-5.67	287.15

Reliance Home Financ Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	49.58	49.58	48.78	48.64	48.64	48.64	43.61	0.74	0.74	0.74
FII	2.19	2.19	2.19	2.19	2.19	2.19	0.39	0.39	0.39	0.39
DII	1.57	1.57	1.57	1.56	1.57	1.57	1.57	1.57	1.57	1.57
Public	46.67	46.67	47.46	47.61	47.6	47.6	54.44	97.31	97.31	97.31
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	24.05	24.05	23.66	23.59	23.59	23.59	21.15	0.36	0.36	0.36
FII	1.06	1.06	1.06	1.06	1.06	1.06	0.19	0.19	0.19	0.19
DII	0.76	0.76	0.76	0.76	0.76	0.76	0.76	0.76	0.76	0.76
Public	22.64	22.64	23.02	23.09	23.09	23.09	26.41	47.2	47.2	47.2
Others	0	0	0	0	0	0	0	0	0	0
Total	48.51	48.51	48.51	48.51	48.51	48.51	48.51	48.51	48.51	48.51

Pros

Stock is trading at -2.3 times its book value
Company has delivered good profit growth of 100% CAGR over last 5 years
Company has reduced debt.
Company is almost debt free.

Cons

Promoter holding is low: 0.74%.
Company has a low return on equity of -73% over the last 3 years.
Earnings include an other income of Rs. 9061 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Reliance Home Financ News

Top Unlisted Companies & InstaBuy Companies

Sell or Purchase Share (Tentative Price)

Current Price: 15/-

Motilal Oswal

Current Price: 15/-

Motilal Oswal

IPO

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Companies	Open Date	Close Date	Issue Price	Cost of 1 Lot	GMP	Expected Listing	Listing Gain(%)	Listing Price	Current Price	Type	Exchange

Reliance Home Financ

Add Watchlist

Reliance Home Financ Research see more...

Overview Inc. Year: 2008Industry: Finance - Housing

Reliance Home Financ Share Price

Alert Data

Quarterly Price

Peer Comparison

Reliance Home Financ Quarterly Results

Reliance Home Financ Profit & Loss

Growth Rates

Reliance Home Financ Balance Sheet

Reliance Home Financ Cash Flow

Reliance Home Financ Ratios

Reliance Home Financ Shareholding Pattern

Reliance Home Financ News

Top Unlisted Companies & InstaBuy Companies

Motilal Oswal

Motilal Oswal

IPO

Stocx: India's #1 Marketplace to Find Your Winning Stock

Please Login!

Error!