WEBSITE BSE:540709 NSE: RHFL Inc. Year: 2008 Industry: Finance - Housing My Bucket: Add Stock
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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...Read More
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. ...Read Less
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Market Cap ₹107 Cr.
Stock P/E 0
P/B -1.8
Current Price ₹2.2
Book Value ₹ -1.2
Face Value 10
52W High ₹7.8
Dividend Yield 0%
52W Low ₹ 1.8
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 141 | 76 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income | -0 | 3 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
| Total Income | 141 | 79 | 0 | 0 | 0 | 0 | 0 | 7 | 0 | 0 |
| Total Expenditure | 16 | -9060 | -6 | 1 | 3 | 5 | 0 | 0 | 2 | 1 |
| Operating Profit | 124 | 9138 | 6 | -1 | -3 | -5 | -0 | 6 | -2 | -1 |
| Interest Expense | 267 | -759 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Depreciation | 21 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -163 | 9620 | 6 | -1 | -3 | -7 | -0 | 27 | -2 | -1 |
| Provision for Tax | 86 | 3647 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Profit After Tax | -249 | 5972 | 6 | -1 | -3 | -7 | -0 | 27 | -2 | -1 |
| Adjustments | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -249 | 5972 | 6 | -1 | -3 | -7 | -0 | 27 | -2 | -1 |
| Adjusted Earnings Per Share | -5.1 | 123.1 | 0.1 | -0 | -0.1 | -0.1 | -0 | 0.6 | -0 | -0 |
| #(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 | 0 |
| Other Income | 6 | 7 | 12 | 19 | 281 | 61 | 17 | 16 | 37 | 3 | 9061 | 7 |
| Total Income | 365 | 434 | 513 | 823 | 1355 | 1683 | 2003 | 1603 | 840 | 294 | 9443 | 7 |
| Total Expenditure | 68 | 90 | 90 | 149 | 461 | 373 | 575 | 830 | 1921 | 6802 | 118 | 3 |
| Operating Profit | 297 | 343 | 423 | 674 | 894 | 1311 | 1428 | 773 | -1080 | -6509 | 9324 | 3 |
| Interest Expense | 254 | 277 | 317 | 536 | 749 | 1062 | 1323 | 1337 | 1220 | 1185 | 32 | 0 |
| 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 | 24 |
| Provision for Tax | 15 | 23 | 37 | 50 | -35 | 80 | 34 | -192 | -783 | -2467 | 3595 | 0 |
| Profit After Tax | 27 | 43 | 69 | 87 | 173 | 167 | 67 | -375 | -1520 | -5440 | 5419 | 24 |
| 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 | 24 |
| Adjusted Earnings Per Share | 0 | 0 | 0 | 0 | 0 | 3.4 | 1.4 | -7.7 | -31.3 | -112.1 | 111.7 | 0.6 |
| # | 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 | -27% | -11% | -5% | NA% |
| ROE Average | 0% | -73% | -48% | -14% |
| ROCE Average | 250% | 58% | 38% | 23% |
| #(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 |
| #(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 |
| # | 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 |
| # | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 48.64 | 48.64 | 43.61 | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 | 0.74 |
| FII | 2.19 | 2.19 | 0.39 | 0.39 | 0.39 | 0.39 | 0 | 0 | 0 | 0 |
| DII | 1.57 | 1.57 | 1.57 | 1.57 | 1.57 | 1.57 | 1.57 | 1.57 | 1.56 | 1.56 |
| Public | 47.6 | 47.6 | 54.44 | 97.31 | 97.31 | 97.31 | 97.7 | 97.7 | 97.7 | 97.7 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 23.59 | 23.59 | 21.15 | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 | 0.36 |
| FII | 1.06 | 1.06 | 0.19 | 0.19 | 0.19 | 0.19 | 0 | 0 | 0 | 0 |
| DII | 0.76 | 0.76 | 0.76 | 0.76 | 0.76 | 0.76 | 0.76 | 0.76 | 0.76 | 0.76 |
| Public | 23.09 | 23.09 | 26.41 | 47.2 | 47.2 | 47.2 | 47.39 | 47.39 | 47.39 | 47.39 |
| 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 |
* The pros and cons are machine generated.
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