Reliance Home Finance Limited RHFL NSEFINANCIAL
Company Overview
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. Reliance Home Finance Limited was incorporated in 2008 and is based in Mumbai, India.
Why Investors Should Care
Net profit has compounded at 33.5% per year over the last five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2025 Revenue of ₹22.26 L (-64.0% YoY); net profit ₹24.17 Cr.
- Trailing 12 Months Year-on-year growth — revenue -64.0%.
- 5-Year Trend Long-term compounding — revenue CAGR -89.6%, profit CAGR 33.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -89.58% |
| 1 Year: | -63.99% |
Compounded Profit Growth
| 5 Years: | 33.48% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -61.52% |
| 6 Months: | -14.95% |
| 3 Months: | -16.51% |
| 1 Month: | -4.71% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)46.32 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Profit CAGR of 33.5% over 5 years.
- Generates positive free cash flow.
CONS
- Revenue declined at -89.6% CAGR over 5 years.
- Trading 66.7% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RHFL Reliance Home Finance Limited NSEFINANCIAL | 1.82 | -22.75 | ₹88.28 Cr | 0.00% | - | -45.60% | -89.58% | 33.48% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 710.50 | 15.52 | ₹10.95 L Cr | 1.85% | - | 13.84% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,427.50 | 18.45 | ₹10.25 L Cr | 0.86% | - | 16.07% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,005.90 | 10.75 | ₹9.29 L Cr | 1.72% | - | 15.18% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.00 | 32.55 | ₹6.59 L Cr | 0.51% | - | 16.68% | 22.58% | 18.23% |
| 6 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 422.10 | 20.67 | ₹4.20 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 14.32 | ₹3.96 L Cr | 0.08% | - | 13.35% | 12.16% | 34.61% |
| 8 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,938.60 | 30.68 | ₹3.10 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
| 9 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.50 | 8.67 | ₹2.60 L Cr | 2.43% | - | 32.53% | 7.26% | 16.86% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 |
|---|---|---|
| Revenue | 2.03 L | 19,000 |
| Cost of Revenue | 17.07 L | 19.89 L |
| Gross Profit | -15.04 L | -19.70 L |
| Operating Expenses | 2.18 Cr | 49.11 L |
| Operating Income | -2.33 Cr | -68.81 L |
| EBITDA | -2.33 Cr | -68.81 L |
| Interest Expense | - | - |
| Pretax Income | -1.98 Cr | -28.92 Cr |
| Tax Provision | -6.60 L | 0 |
| Net Income | -1.92 Cr | -68.82 L |
| Diluted EPS | -0.04 | - |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 196.68 Cr | 381.97 Cr | 61.81 L | 22.26 L |
| Cost of Revenue | 1,197.19 Cr | 45.02 Cr | 4.11 Cr | 1.15 Cr |
| Gross Profit | -1,000.51 Cr | 336.95 Cr | -3.49 Cr | -92.39 L |
| Operating Expenses | 292.12 Cr | 106.65 Cr | 31.59 L | 3.20 Cr |
| Operating Income | -1,292.63 Cr | 230.30 Cr | -3.81 Cr | -4.12 Cr |
| EBITDA | -7,691.83 Cr | 232.26 Cr | -3.81 Cr | -4.12 Cr |
| Interest Expense | 2.48 Cr | 2.48 Cr | - | - |
| Pretax Income | -7,906.40 Cr | 9,291.03 Cr | -3.81 Cr | -4.12 Cr |
| Tax Provision | -2,466.80 Cr | 3,595.21 Cr | 0 | -6.60 L |
| Net Income | -5,439.60 Cr | 5,418.58 Cr | -3.55 Cr | 24.17 Cr |
| Diluted EPS | -112.15 | 111.71 | -0.07 | - |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 10,144.33 Cr | 34.85 Cr | 29.82 Cr | 1.58 Cr |
| Current Assets | 2,970.16 Cr | 34.85 Cr | 27.72 Cr | 73.55 L |
| Cash & Equivalents | 2,628.38 Cr | 17.54 Cr | 45.88 L | 50.37 L |
| Inventory | - | - | - | - |
| Receivables | 11.71 Cr | 0 | 0 | 0 |
| Total Liabilities | 15,636.73 Cr | 108.68 Cr | 107.01 Cr | 54.59 Cr |
| Current Liabilities | 11,273.57 Cr | 108.69 Cr | 42.07 L | 0 |
| Long Term Debt | 3,692.51 Cr | 0 | 91.41 Cr | 40.27 Cr |
| Total Debt | 11,917.11 Cr | 95.00 L | 91.41 Cr | 40.27 Cr |
| Total Equity | -5,492.40 Cr | -73.83 Cr | -77.18 Cr | -53.01 Cr |
| Shares Outstanding | 48.51 Cr | 48.51 Cr | 48.51 Cr | 48.51 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | -597.38 Cr | 4,103.02 Cr | -21.79 Cr | 8.99 Cr |
| Investing Cash Flow | 848.31 Cr | 103.21 Cr | 63.50 L | 22.21 L |
| Financing Cash Flow | -366.90 Cr | -4,035.08 Cr | 4.07 Cr | -9.17 Cr |
| Capital Expenditure | -45.00 L | -23.24 L | - | - |
| Free Cash Flow | -597.83 Cr | 4,102.78 Cr | -21.79 Cr | 8.99 Cr |
| Net Change in Cash | -115.97 Cr | 171.15 Cr | -17.08 Cr | 4.49 L |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Gross Margin % | -508.7% | 88.2% | -565.1% | -415.0% |
| Operating Margin % | -657.2% | 60.3% | -616.2% | -1,852.2% |
| Net Margin % | -2,765.7% | 1,418.6% | -574.1% | 10,859.6% |
| ROE % | 99.0% | -7,339.3% | 4.6% | -45.6% |
| ROCE % | 114.5% | -311.9% | -13.0% | -260.6% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for RHFL
Reliance Home Finance (RHFL.NS) Edges Lower to ₹1.87, Hovering Near Key Support - Ending Diagonal - siam.in
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Reliance Home Finance (RHFL) Gains 3.35% as Key Resistance Nears ₹2.27 - Monthly Profile - vinanet.vn
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ED attaches 31 immovable properties worth ₹581.65 crore in RHFL, RCFL case - Business Standard
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Reliance ADA Group: ED Attaches Reliance Power Shares, Loans Worth ₹1,021 Crore - Moneylife
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Reliance Home Finance (RHFL.NS) Holds Steady at ₹2.18: Consolidation Amid Uncertainty - Earnings Breakout Stocks - vinanet.vn
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SEBI bans Anil Ambani & 24 other entities from securities market for 5 years; imposes Rs 25 crore penalty - The Times of India
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RHFL — Frequently Asked Questions
What is the current share price of Reliance Home Finance Limited (RHFL)?
As of 2026-09-20 09:43 IST, Reliance Home Finance Limited (RHFL) trades at ₹1.82 on NSE. Its 52-week range is ₹1.72 to ₹5.47.
What is the market capitalisation of RHFL?
Reliance Home Finance Limited (RHFL) has a market capitalisation of ₹88.28 Cr on NSE.
What is the P/E ratio of RHFL?
RHFL trades at a trailing price-to-earnings (P/E) ratio of -22.75. The industry average P/E is 17.40. Its price-to-book (P/B) ratio is -2.34.
What is the return on equity (ROE) of RHFL?
RHFL has a return on equity (ROE) of -45.60%.
Is RHFL a good stock to buy?
This page provides a data-driven analysis of Reliance Home Finance Limited (RHFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.