Reliance Home Finance Ltd. (RHFL) AI Stock Analysis

• Market Cap: ₹1.63B
• Dividend Yield: N/A
• Average Volume (3M): 484.28K
• Price to Earnings (P/E): 6.7
• Beta (1Y): 1.35
• Revenue Growth: 1057.49%
• EPS Growth: N/A
• Country: IN
• Employees: 137
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): N/A
• Shares Outstanding: 484,565,600
• 10 Day Avg. Volume: 347,177
• 30 Day Avg. Volume: 484,283
• PEG Ratio: >-0.01
• Price to Book (P/B): -2.89
• Price to Sales (P/S): 689.16
• P/FCF Ratio: 17.06
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 41 Neutral
• Price Target: ₹3.00 ▼(-2.91% Downside)

Reliance Home Finance Ltd. is currently facing significant financial instability, as evidenced by its volatile revenue, negative profit margins, and heavily leveraged balance sheet. Technical indicators further reinforce a bearish outlook, with the stock trading below key moving averages and showing oversold conditions. While the P/E ratio suggests potential undervaluation, the overall risk profile remains high.

Reliance Home Finance Ltd. Business Overview & Revenue Model

Company Description

Reliance Home Finance Ltd. (RHFL) is a prominent player in the Indian financial services sector, primarily engaged in providing housing finance solutions. A subsidiary of Reliance Capital, RHFL offers a range of products including home loans, loan against property, and other related financial services aimed at facilitating home ownership and property investment. The company caters to individual customers, builders, and developers, positioning itself as a key contributor to the housing finance market in India.

How the Company Makes Money

Reliance Home Finance Ltd. generates revenue primarily through the interest income earned on the home loans and other financing products it provides to customers. The company's revenue model is built on lending, where it charges interest on the loans disbursed to clients. In addition to interest income, RHFL may also earn fees from processing loan applications and other ancillary services. Key revenue streams include home loans, loan against property, and mortgage financing. The company may benefit from partnerships with real estate developers, which can provide a steady flow of customers seeking financing options for purchasing properties. Additionally, RHFL may engage in securitization of its loan portfolio, allowing it to raise funds and enhance liquidity, thereby contributing to its overall profitability.

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	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.23M	2.23M	6.18M	3.88B	2.87B	7.75B
Gross Profit	-9.24M	-9.24M	-34.93M	3.43B	-9.11B	-4.66B
EBITDA	-41.23M	-41.23M	-38.09M	92.96B	-76.92B	-22.79B
Net Income	241.74M	241.73M	-35.49M	54.19B	-54.40B	-15.20B
Balance Sheet
Total Assets	15.82M	15.82M	298.25M	348.50M	101.44B	148.98B
Cash, Cash Equivalents and Short-Term Investments	7.13M	7.13M	121.52M	175.40M	26.28B	9.74B
Total Debt	402.75M	402.75M	914.13M	9.50M	119.17B	121.80B
Total Liabilities	545.90M	545.90M	1.07B	1.09B	156.37B	149.51B
Stockholders Equity	-530.08M	-530.08M	-771.81M	-738.30M	-54.92B	-529.60M
Cash Flow
Free Cash Flow	0.00	89.90M	-217.85M	41.03B	-5.98B	30.67B
Operating Cash Flow	0.00	89.90M	-217.85M	41.03B	-5.97B	30.68B
Investing Cash Flow	0.00	2.22M	6.35M	1.03B	8.48B	-15.60B
Financing Cash Flow	0.00	-91.67M	40.66M	-40.35B	-3.67B	-13.74B

Reliance Home Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.09
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 3.09 is below the 20-day moving average (MA) of 3.63, below the 50-day MA of 4.11, and below the 200-day MA of 4.26, indicating a bearish trend. The MACD of -0.22 indicates Positive momentum. The RSI at 21.45 is Positive, neither overbought nor oversold. The STOCH value of 1.69 is Positive, 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
CANFINHOME	73 Outperform	₹114.71B	12.45	―	1.36%	8.92%	12.32%
REPCOHOME	73 Outperform	₹28.12B	6.06	―	0.59%	9.72%	7.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAJAJHFL	62 Neutral	₹911.97B	38.61	―	―	―	―
LICHSGFIN	55 Neutral	₹315.65B	5.72	―	1.75%	4.79%	13.08%
RHFL	41 Neutral	₹1.63B	6.71	―	―	1057.49%	―