MarketFriction

Reliance Home Finance Ltd

NSE RHFL · BSE 540709 · Housing Finance Company
₹1.59 +0.63%
NSE close2026-10-01
52 week range1.53 - 4.25
Market cap₹76.2 Cr.
GSMInsolvency Price band 5%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Sales93.6372.27140.7775.500.120.160.160.180.180.020.020.00
Expenses44.7644.9116.24-9,059.62-6.050.822.725.480.280.402.230.53
Operating Profit48.8727.36124.539,135.126.17-0.66-2.56-5.30-0.10-0.38-2.21-0.53
OPM %52.19%37.86%88.46%12,099.50%5,141.67%-412.50%-1,600.00%-2,944.44%-55.56%-1,900.00%-11,050.00%
Other Income0.136.02-0.05-274.140.260.000.000.000.0027.890.340.00
Interest251.77272.19266.63-759.270.000.000.001.450.340.290.110.16
Depreciation0.510.4921.250.480.000.000.000.000.000.000.000.00
Profit before tax-203.28-239.30-163.409,619.776.43-0.66-2.56-6.75-0.4427.22-1.98-0.69
Tax %-31.20%-31.20%52.53%37.92%0.00%0.00%0.00%0.00%0.00%0.00%-3.54%0.00%
Net Profit-139.86-164.64-249.245,972.316.43-0.66-2.56-6.75-0.4427.22-1.92-0.69
EPS in Rs-2.88-3.39-5.14123.130.13-0.01-0.05-0.14-0.010.56-0.04-0.01
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Sales4295128151,1141,6832,0001,60084029339110
Expenses86901422353735758291,9206,802-8,93333
Operating Profit3424236738791,3111,425771-1,081-6,5099,324-2-3
OPM %80%82%83%79%78%71%48%-129%-2,220%2,384%-381%-1,464%
Other Income1001502200-277028
Interest2773175367491,0621,3231,3371,2201,1853211
Depreciation00172343212200
Profit before tax66106137138247102-567-2,303-7,9069,014-424
Tax %34%35%37%-25%32%34%-34%-34%-31%40%0%-0%
Net Profit43698717316767-375-1,520-5,4405,419-424
EPS in Rs6.5910.4913.1814.903.451.39-7.74-31.33-112.14111.71-0.070.50
Dividend Payout %0%0%0%3%29%0%0%0%0%0%0%0%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth-54%-83%-91%-65%
Compounded Profit Growth%15%26%-7%
Stock Price CAGR%-18%-5%-57%
Return on Equity%%%%
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital666666116485485485485485485485485
Reserves3984685541,0141,3391,357982-538-5,977-559-562-538
Borrowings2,3773,6406,5489,67013,13615,69913,23512,97612,714879140
Other Liabilities9041,3855255474475851,0271,9752,922221614
Total Liabilities3,7455,5577,69411,34715,40818,12515,72914,89810,14435302
Fixed Assets039446826426626225948000
CWIP000020100000
Investments32008050854939511,007161000
Other Assets3,4255,5187,56910,77115,08717,76614,51613,6319,93635302
Total Assets3,7455,5577,69411,34715,40818,12515,72914,89810,14435302
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity412-179433-3,296-3,507-1,1894,7133,068-5974,103-229
Cash from Investing Activity-282293-72-355496-55-856-1,560848-10510
Cash from Financing Activity0003,2272,8181,291-3,927-1,374-367-4,0354-9
Net Cash Flow130114362-425-19447-70135-116-37-170
Free Cash Flow412-219433-3,294-3,508-1,1944,7143,072-5984,145-229
CFO/OP122%-37%69%-372%-265%-81%614%-284%9%44%997%-279%
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days000000000000
Inventory Days
Days Payable
Cash Conversion Cycle000000000000
Working Capital Days-491-1,002-705-590-138-94-253-682-3,301-4224-23,675
ROCE %13%12%12%10%10%9%5%-8%-67%258%-17%-432%
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
Promoters48.78%48.64%48.64%48.64%43.61%0.74%0.74%0.74%0.74%0.74%0.74%0.74%
FIIs2.19%2.19%2.19%2.19%0.39%0.39%0.39%0.39%0.00%0.00%0.00%0.00%
DIIs1.56%1.55%1.55%1.55%1.55%1.55%1.55%1.55%1.55%1.55%1.54%1.54%
Government0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%
Public47.46%47.60%47.61%47.60%54.44%97.30%97.31%97.32%97.69%97.69%97.70%97.70%
No. of Shareholders8,52,8148,60,4948,54,2628,52,4518,54,3518,82,1159,04,9079,50,1229,60,3499,60,34910,06,31210,06,312

Fundamentals

Market Cap₹ 76.2 Cr.
Current Price₹ 1.57
Book Value₹ -1.09
ROCE-432 %
ROE%
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)-65%
Compounded Profit Growth (TTM)-7%
Standalone figures.
Valuation
Market capRs 77 Cr
Enterprise valueRs 117 Cr
P/E (TTM)3.19x
Price to book-1.46x
Price to sales350.64x
EV / EBITDA4.67x
EV / EBIT4.67x
EV / sales530.46x
Price to cash flow8.58x
Earnings yield31.33%
P/E, 3-year average0.02x
P/B, 3-year average-1.64x
P/E, 5-year average0.02x
P/B, 5-year average-1.29x
Profitability
Operating margin (excl. other income)-1463.64%
Operating margin (incl. other income)11368.18%
EBITDA margin11368.18%
Pre-tax margin10959.09%
Net profit margin10986.36%
ROE-37.13%
ROCE3357.05%
ROA153.95%
ROE, 3-year average-75.71%
ROCE, 3-year average1197.25%
ROA, 3-year average83.14%
ROE, 5-year average-49.19%
ROCE, 5-year average703.44%
ROA, 5-year average39.21%
Tax rate-0.29%
Other income / net worth-53.25%
Growth
Sales growth (latest year)-64.52%
Sales CAGR, 3 years-90.91%
Sales CAGR, 5 years-83.11%
Per share
EPS (TTM)Rs 0.50
EPS (latest quarter)Rs -0.01
EPS, 3-year averageRs 111.71
EPS, 5-year averageRs -10.59
Book value per shareRs -1.09
Sales per shareRs 0.00
Cash flow per shareRs 0.19
Free cash flow per shareRs 0.19
Efficiency
Asset turnover0.14x
Cash conversion cycle0 days
Working capital days-23675 days
Leverage
Total debtRs 40 Cr
Cash and bankRs 1 Cr
Net debtRs 40 Cr
Debt to equity-0.76x
Net debt / EBITDA1.58x
Interest coverage27.79x
Owners' fund to total sources-3355.06%
Debt to assets2548.73%
Cash flow
Cash from Operating Activity (latest year)Rs 9 Cr
Cash from Investing Activity (latest year)Rs 0 Cr
Cash from Financing Activity (latest year)Rs -9 Cr
Net Cash Flow (latest year)Rs 0 Cr
Free cash flow (latest year)Rs 9 Cr
FCFE (approx.: FCF + change in debt)Rs -42 Cr
Sales to cash flow0.02x
Statement figures
Net sales (TTM)Rs 0 Cr
Net sales (latest year)Rs 0 Cr
Operating profit excl. other income (latest year)Rs -3 Cr
Operating profit (latest quarter)Rs -1 Cr
Other income (TTM)Rs 28 Cr
EBITDA (TTM)Rs 25 Cr
PBDT (TTM)Rs 24 Cr
Profit before tax (TTM)Rs 24 Cr
Tax (latest year)Rs -0 Cr
Net profit (TTM)Rs 24 Cr
Net profit (latest year)Rs 24 Cr
Net profit (latest quarter)Rs -1 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 3 Cr
Total income (latest year)Rs 28 Cr
Share capitalRs 485 Cr
ReservesRs -538 Cr
Shareholders' fundsRs -53 Cr
Total assetsRs 2 Cr
Other liabilitiesRs 14 Cr
Shares outstanding (crore)48.52
Ownership
Promoter holding0.74% (+0.00 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 3.2 is at the 29th percentile of its own 5.7-year range (median 6.3, low 0.0, high 27.9).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodRHFLNifty 50Difference
1 week-5.4%-2.8% -2.6 pts
1 month-12.2%-6.8% -5.4 pts
3 months-26.7%-7.6% -19.1 pts
6 months-36.7%+0.4% -37.1 pts
1 year-69.7%-9.9% -59.8 pts
2 years-57.4%-13.6% -43.8 pts
3 years-14.1%+14.2% -28.2 pts
5 years-62.1%+27.9% -90.0 pts

Red flags

F-score 5 of 8
seriousNegative equity Shareholders' equity is negative
explainHigh accruals Profit exceeded operating cash by 961% of total assets in 2025
lookProfit leans on other income Other income was 117% of pre-tax profit in 2025
lookOn NSE surveillance On NSE surveillance: GSM, Insolvency
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Mar 2025
Sales ₹0 Cr -100.0% vs Mar 2024. Net loss ₹1 Cr.

Activity

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Can Fin Homes Ltd9,7438.629.14 %
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No bulk or block deals on record.
Ex-dateActionFactor
2018-09-12 Annual General Meeting/Dividend Re 1 Per Share
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-19NCLTM/s. Reliance Home Finance Ltd. Vs Aarcity Infrastructure Pvt. Ltd. & Anr.
2021-07-19NCLTM/s. Reliance Home Finance Ltd Vs M/s. World Window Impex (India) Pvt. Ltd.
2021-05-31NCLTIDBI Trusteeship Services Ltd Vs Reliance Home Finance Ltd. & Reliance Capital Ltd
2021-05-31NCLTIDBI Trusteeship Services Ltd Vs Reliance Home Finance Ltd. & Reliance Capital Ltd
2021-05-27NCLTIDBI Trusteeship Services Ltd. Vs Reliance Home Finance Ltd. & Reliance Capital Ltd
2021-05-07NCLTIDBI Trusteeship Services Ltd. Vs Reliance Home Finance Ltd. & Reliance Capital Ltd
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
GSMInsolvency Resolution Process(IRP)Under BZ/SZ Series
Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.Updated 2026-10-03