Reliance Home Finance Ltd. (RHFL) AI Stock Analysis

• Market Cap: ₹2.22B
• Dividend Yield: N/A
• Average Volume (3M): 922.75K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 1.05
• Revenue Growth: 1057.49%
• EPS Growth: N/A
• Country: IN
• Employees: 137
• Sector: Financial
• Sector Strength: 64
• Industry: Financial - Mortgages
• EPS (TTM): N/A
• Shares Outstanding: 484,565,600
• 10 Day Avg. Volume: 674,292
• 30 Day Avg. Volume: 922,751
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹4.50
• Price Target Upside: -1.96% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 45 Neutral
• Price Target: ₹4.50 ▼(-1.96% Downside)

The overall stock score for Reliance Home Finance Ltd. is primarily driven by its poor financial performance, which poses significant risks. Technical analysis indicates bearish momentum, further weighing on the stock's outlook. While the valuation is reasonable, the lack of a dividend yield reduces its appeal. The absence of earnings call data and notable corporate events means these factors do not influence the score.

Reliance Home Finance Ltd. Business Overview & Revenue Model

Company Description

Reliance Home Finance Ltd. (RHFL) is a financial services company based in India, primarily focused on offering a wide range of housing finance products. The company caters to various customer segments including retail as well as corporate clients, providing home loans, loan against property, and construction finance. RHFL is committed to facilitating home ownership and real estate development through its financial products.

How the Company Makes Money

Reliance Home Finance Ltd. generates revenue primarily through interest income from its loan products, including home loans, loans against property, and construction finance. The company earns interest by lending money to individuals and businesses for real estate purchases and development, charging borrowers a rate higher than its cost of funds. RHFL may also earn fees and charges associated with loan processing and account management. Additionally, the company could engage in partnerships with real estate developers to offer tailored financing solutions, further contributing to its revenue streams.

Reliance Home Finance Ltd. Financial Statement Overview

Summary

Reliance Home Finance Ltd. is facing significant financial challenges. The company's volatile revenue and negative profit margins, coupled with a heavily leveraged balance sheet and inconsistent cash flows, indicate financial instability. These issues suggest a high-risk profile and potential difficulties in sustaining operations.

Income Statement

The company has experienced significant volatility in revenue and profitability, with recent periods showing drastic declines in revenue and negative gross and net profit margins. These negative margins indicate substantial operational inefficiencies and challenges in generating revenue.

Balance Sheet

The balance sheet reveals a heavily leveraged position, with a negative stockholders' equity indicating significant financial risk. The debt-to-equity ratio is extremely high, reflecting the company's reliance on debt financing. The equity ratio is negative, further highlighting financial instability.

Cash Flow

The cash flow statement shows mixed results, with periods of positive operating cash flows. However, the overall trend is concerning due to large fluctuations and negative free cash flow in some years. The company's ability to generate consistent cash flow is in question.

Breakdown	Mar 2025	Mar 2023	Mar 2024	Mar 2022	Mar 2021
Income Statement
Total Revenue	2.23M	3.88B	6.18M	2.87B	7.75B
Gross Profit	-9.24M	3.43B	-34.93M	-9.11B	-4.66B
EBITDA	-41.23M	92.96B	-38.09M	-76.92B	-22.79B
Net Income	241.73M	54.19B	-35.49M	-54.40B	-15.20B
Balance Sheet
Total Assets	15.82M	348.50M	298.25M	101.44B	148.98B
Cash, Cash Equivalents and Short-Term Investments	7.13M	175.40M	121.52M	26.28B	9.74B
Total Debt	402.75M	9.50M	914.13M	119.17B	121.80B
Total Liabilities	545.90M	1.09B	1.07B	156.37B	149.51B
Stockholders Equity	-530.08M	-738.30M	-771.81M	-54.92B	-529.60M
Cash Flow
Free Cash Flow	89.90M	41.03B	-217.85M	-5.98B	30.67B
Operating Cash Flow	89.90M	41.03B	-217.85M	-5.97B	30.68B
Investing Cash Flow	2.22M	1.03B	6.35M	8.48B	-15.60B
Financing Cash Flow	-91.67M	-40.35B	40.66M	-3.67B	-13.74B

Reliance Home Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4.59
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RHFL, the sentiment is Negative. The current price of 4.59 is below the 20-day moving average (MA) of 4.91, below the 50-day MA of 5.83, and above the 200-day MA of 4.10, indicating a neutral trend. The MACD of -0.22 indicates Negative momentum. The RSI at 42.45 is Neutral, neither overbought nor oversold. The STOCH value of 72.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:RHFL.

Reliance Home Finance Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.52B	11.65	10.45%	3.85%	9.69%	1.92%
CANFINHOME	64 Neutral	₹101.04B	11.46		1.58%	9.28%	14.93%
BAJAJHFL	57 Neutral	₹938.64B	40.81		―	―	―
LICHSGFIN	46 Neutral	₹312.90B	5.69		1.58%	4.57%	15.87%
RHFL	45 Neutral	₹2.22B	9.13		―	1057.49%	―