Reliance Home Finance Ltd. (RHFL) AI Stock Analysis

• Market Cap: ₹1.13B
• Dividend Yield: N/A
• Average Volume (3M): 484.28K
• Price to Earnings (P/E): 4.6
• Beta (1Y): 0.71
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: ₹2.50 ▼(-13.49% Downside)
• Action: Reiterated Date: 02/26/26
• Date: Action: Reiterated 02/26/26

The score is constrained primarily by weak financial health (negative margins, negative equity/high leverage, and inconsistent cash flows). Technicals also remain bearish with the stock below key moving averages and negative MACD, despite oversold momentum readings. Valuation appears low on P/E, but it does not outweigh the fundamental risk signals.

Positive Factors

Focused mortgage lending business model

Reliance 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.

Negative Factors

Negative equity / high leverage

Negative 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.

Reliance Home Finance Ltd. Business Overview & Revenue Model

Company Description

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 ser...

Read more

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 ser...

How the Company Makes Money

RHFL’s primary revenue model is that of a lending institution: it earns income by deploying borrowed and/or equity capital into loan assets and collecting interest and fees from borrowers. Key revenue streams typically include: (1) Net interest in...

Read more

RHFL’s primary revenue model is that of a lending institution: it earns income by deploying borrowed and/or equity capital into loan assets and collecting interest and fees from borrowers. Key revenue streams typically include: (1) Net interest in...

Reliance Home Finance Ltd. Financial Statement Overview

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	2.23M	6.18M	3.82B	2.87B	7.75B
Gross Profit	-9.24M	-34.93M	3.37B	-9.11B	-4.66B
EBITDA	-41.23M	-38.09M	2.32B	-79.02B	-22.79B
Net Income	241.73M	-35.49M	54.19B	-54.40B	-15.20B
Balance Sheet
Total Assets	15.82M	298.25M	348.50M	101.44B	148.98B
Cash, Cash Equivalents and Short-Term Investments	7.13M	121.52M	175.40M	26.28B	9.74B
Total Debt	402.75M	914.13M	9.50M	119.17B	121.80B
Total Liabilities	545.90M	1.07B	1.09B	156.37B	149.51B
Stockholders Equity	-530.08M	-771.81M	-738.30M	-54.92B	-529.60M
Cash Flow
Free Cash Flow	89.90M	-217.85M	41.03B	-5.98B	30.67B
Operating Cash Flow	89.90M	-217.85M	41.03B	-5.97B	30.68B
Investing Cash Flow	2.22M	6.35M	1.03B	8.48B	-15.60B
Financing Cash Flow	-91.67M	40.66M	-40.35B	-3.67B	-13.74B

Reliance Home Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.89
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• 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 2.89 is above the 20-day moving average (MA) of 2.50, above the 50-day MA of 2.58, and below the 200-day MA of 3.83, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 35.98 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 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	₹112.13B	11.69	―	1.37%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
REPCOHOME	62 Neutral	₹23.67B	5.62	―	1.61%	8.10%	2.97%
AADHARHFC	58 Neutral	₹205.50B	18.67	―	―	―	―
BAJAJHFL	56 Neutral	₹698.92B	29.54	―	―	―	―
LICHSGFIN	55 Neutral	₹292.85B	5.31	―	1.87%	4.79%	13.08%
RHFL	43 Neutral	₹1.13B	4.64	―	―	1057.49%	―

Reliance Home Finance Ltd. Corporate Events