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Reliance Home Finance Ltd.
(RHFL)
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Rating:43Neutral
Price Target:
₹2.00
▲(3.63% Upside)
Action:Reiterated
Date: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
Secured housing finance focus
RHFL's core focus on secured retail housing loans and loans-against-property means lending is collateralized by residential real estate. That structural product mix generally delivers higher recovery rates and more predictable loss given default versus unsecured products, supporting long-term portfolio resilience if underwriting stabilizes.
Negative Factors
Heavily leveraged balance sheet
The balance sheet shows negative equity and very high leverage, creating persistent solvency and regulatory capital risks for an HFC. High debt reliance raises funding vulnerability and refinancing needs, increases cost of funds, and constrains strategic options unless the company materially strengthens equity or reduces leverage over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Secured housing finance focus
RHFL's core focus on secured retail housing loans and loans-against-property means lending is collateralized by residential real estate. That structural product mix generally delivers higher recovery rates and more predictable loss given default versus unsecured products, supporting long-term portfolio resilience if underwriting stabilizes.
Read all positive factors
Reliance Home Finance Ltd. (RHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹910.98M
Dividend YieldN/A
Average Volume (3M)484.28K
Price to Earnings (P/E)3.7
Beta (1Y)0.53
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees137
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.50
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
Reliance Home Finance Ltd. Business Overview & Revenue Model
Company Description
Operating within India's financial sector, Reliance Home Finance Limited specializes in providing housing-related financial services. Its comprehensive product portfolio includes various loan types such as residential mortgages, accessible housing...
How the Company Makes Money
RHFL primarily makes money through interest income earned on its loan portfolio. The company borrows funds (e.g., through bank borrowings and other debt/funding sources) and lends those funds to customers at higher interest rates; the spread betwe...
Reliance Home Finance Ltd. Financial Statement Overview
Summary
Income Statement
25
Negative
Balance Sheet
15
Very Negative
Cash Flow
30
Negative
| 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
Neutral
1.93
Price Trends
1.98
Negative
2.08
Negative
2.45
Negative
Market Momentum
-0.04
Negative
50.88
Neutral
69.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RHFL, the sentiment is Neutral. The current price of 1.93 is above the 20-day moving average (MA) of 1.83, below the 50-day MA of 1.98, and below the 200-day MA of 2.45, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 50.88 is Neutral, neither overbought nor oversold. The STOCH value of 69.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:RHFL.
Reliance Home Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | ₹22.88B | 4.77 | ― | 2.19% | 4.35% | 3.86% | |
67 Neutral | ₹308.64B | 13.16 | ― | 0.47% | 10.71% | 13.39% | |
58 Neutral | ₹107.09B | 9.61 | ― | 1.84% | 8.20% | 28.17% | |
58 Neutral | ₹7.66B | 4.82 | ― | 2.54% | 0.64% | 22.22% | |
58 Neutral | ₹292.41B | 5.13 | ― | 1.87% | 0.23% | 4.34% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
43 Neutral | ₹910.98M | 3.74 | ― | ― | ― | ― |
* General Sector Average
IN:RHFL
Reliance Home Finance Ltd.
1.87
-2.90
-60.80%
IN:CANFINHOME
Can Fin Homes Ltd.
814.95
108.56
15.37%
IN:GICHSGFIN
GIC Housing Finance Limited
141.45
-26.54
-15.80%
IN:LICHSGFIN
LIC Housing Finance Ltd
535.50
-8.27
-1.52%
IN:PNBHOUSING
PNB Housing Finance Limited
1,168.00
420.39
56.23%
IN:REPCOHOME
Repco Home Finance Ltd.
365.65
18.40
5.30%
Reliance Home Finance Ltd. Corporate Events
Reliance Home Finance Updates Exchanges on Seventh CoC Meeting Under CIRP
Mar 10, 2026
Reliance Home Finance Ltd., which is under Corporate Insolvency Resolution Process, has notified the stock exchanges that the seventh meeting of its Committee of Creditors was duly held on March 9, 2026. The meeting, conducted via video conferenci...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.