Reliance Home Finance Ltd. (IN:RHFL)
:RHFL
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RHFL Stock Chart & Stats
₹2.89
-₹0.08(-2.23%)
At close: 4:00 PM EST
₹2.89
-₹0.08(-2.23%)
Day’s Range― - ―
52-Week Range₹1.82 - ₹7.84
Previous CloseN/A
Volume417.13K
Average Volume (3M)484.28K
Market Cap
₹1.10B
Enterprise Value₹1.49B
Total Cash (Recent Filing)₹7.13M
Total Debt (Recent Filing)₹402.75M
Price to Earnings (P/E)4.5
Beta0.52
Next Earnings
Jul 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.50
Shares Outstanding484,565,600
10 Day Avg. Volume347,177
30 Day Avg. Volume484,283
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)-2.89
Price to Sales (P/S)689.16
P/FCF Ratio17.06
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Secured Housing Finance FocusRHFL's core focus on secured retail housing loans and loans-against-property means lending is collateralized by residential real estate. That structural product mix generally delivers higher recovery rates and more predictable loss given default versus unsecured products, supporting long-term portfolio resilience if underwriting stabilizes.
Interest-spread Driven Earnings ModelThe business model centers on earning a spread between lending yields and funding costs, a durable banking-style earnings engine. When funding access and asset yields are managed, this generates recurring interest income and fee adjuncts, enabling sustainable cash generation over time if credit costs and funding mix are controlled.
Periodic Operating Cash GenerationFinancials show the company has produced positive operating cash flow in some periods, indicating the underlying lending operations can convert into cash. This demonstrates potential for sustainable cash generation if credit performance, collections, and funding stability improve, offering a base for deleveraging or reinvestment.
Bears Say
Heavily Leveraged Balance SheetThe balance sheet shows negative equity and very high leverage, creating persistent solvency and regulatory capital risks for an HFC. High debt reliance raises funding vulnerability and refinancing needs, increases cost of funds, and constrains strategic options unless the company materially strengthens equity or reduces leverage over the medium term.
Negative Gross And Net Profit MarginsReported negative gross and net margins indicate operations are not covering direct costs and funding expenses, a structural profitability issue. Without margin recovery through higher yields, lower funding costs, or improved cost efficiency, sustained losses will erode capital and impede long-term viability.
Volatile Revenue And Inconsistent Cash FlowSignificant volatility in revenue and episodic negative free cash flow point to an unstable earnings base and unpredictable funding needs. This undermines planning, increases refinancing and liquidity risk, and makes it harder to service debt or invest in growth without external capital, impairing long-term strategic flexibility.
Reliance Home Finance Ltd. News
RHFL FAQ
What was Reliance Home Finance Ltd.’s price range in the past 12 months?
Reliance Home Finance Ltd. lowest stock price was ₹1.82 and its highest was ₹7.84 in the past 12 months.
What is Reliance Home Finance Ltd.’s market cap?
Reliance Home Finance Ltd.’s market cap is ₹1.10B.
When is Reliance Home Finance Ltd.’s upcoming earnings report date?
Reliance Home Finance Ltd.’s upcoming earnings report date is Jul 30, 2026 which is in 69 days.
How were Reliance Home Finance Ltd.’s earnings last quarter?
Currently, no data Available
Is Reliance Home Finance Ltd. overvalued?
According to Wall Street analysts Reliance Home Finance Ltd.’s price is currently Overvalued.
Does Reliance Home Finance Ltd. pay dividends?
Reliance Home Finance Ltd. pays a Notavailable dividend of ₹1 which represents an annual dividend yield of N/A. See more information on Reliance Home Finance Ltd. dividends here
What is Reliance Home Finance Ltd.’s EPS estimate?
Reliance Home Finance Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Reliance Home Finance Ltd. have?
Reliance Home Finance Ltd. has 484,565,600 shares outstanding.
What happened to Reliance Home Finance Ltd.’s price movement after its last earnings report?
Currently, no data Available
Which hedge fund is a major shareholder of Reliance Home Finance Ltd.?
Currently, no hedge funds are holding shares in IN:RHFL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Reliance Home Finance Ltd.
Reliance Home Finance Limited engages in the housing finance business in India. The company offers a range of loans, such as home and affordable housing loans, loans against properties, and construction finance loans. It also provides property services. The company was incorporated in 2008 and is based in Mumbai, India. Reliance Home Finance Limited is owned by Reliance Capital Limited.
Technical Analysis
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