Reliance Home Finance Ltd. (IN:RHFL)
:RHFL
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₹1.95 - ₹7.84
Previous CloseN/A
Volume417.13K
Average Volume (3M)484.28K
Market Cap
₹1.13B
Enterprise Value₹1.53B
Total Cash (Recent Filing)₹7.13M
Total Debt (Recent Filing)₹402.75M
Price to Earnings (P/E)4.6
Beta0.73
Next Earnings
Jul 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
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
Focused Mortgage Lending Business ModelReliance Home Finance operates a narrow, mortgage-focused franchise where recurring net interest income from home loans and loans against property is the core revenue engine. That specialization aligns the company with structural housing demand and a predictable lending product set that supports long-term NII generation if asset quality stabilizes.
Ability To Generate Operating Cash FlowThe company has demonstrated episodes of positive operating cash flow, indicating it can convert lending activity into cash to service obligations and fund operations. Sustained operating cash generation would materially improve liquidity and reduce refinancing pressure over a multi-quarter horizon.
Lean Operating FootprintA small employee base suggests a relatively low fixed-cost structure, enabling operational leverage when originations recover. For a niche housing finance lender, a lean cost base can help protect margins as revenue normalizes and supports efficient scaling without proportionate SG&A increases.
Bears Say
Negative Equity / High LeverageNegative shareholders' equity and extremely high leverage are structural constraints: they limit access to unsecured funding, raise refinancing and covenant risks, and constrain capital buffers for loan losses. Over several quarters this elevates insolvency and regulatory intervention risk unless capital is restored.
Negative Gross And Net MarginsSustained negative gross and net margins reflect that lending yields plus fees are insufficient to cover funding and operating costs. This points to persistent pricing, credit, or structural cost issues that erode profitability and make long-term business viability dependent on either cost reduction, margin improvement, or capital support.
Inconsistent Cash Generation And Negative FCF PeriodsLarge fluctuations in cash flow and episodes of negative free cash flow undermine the firm's ability to deleverage, fund growth, or absorb credit shocks. Over a multi-quarter horizon, inconsistent FCF increases reliance on external funding, raising liquidity and refinancing risks for a highly leveraged mortgage lender.
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 ₹1.95 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 ₹1.13B.
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 112 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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