Reliance Home Finance Ltd
Fundamental Score
Reliance Home Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of RHFL across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (113.37%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (89.78%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Cash Generation (₹6606.34 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 factors identified
Suboptimal ROCE (-432.21%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Revenue Contraction (-100.00%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Limited Growth History (-83.11% CAGR)
Observation: Below-average 5-year sales growth trajectory.
Analysis: Low sales CAGR may indicate mature markets or limited growth opportunities. Assess future growth catalysts.
Weak Interest Coverage (-3.58x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (0.74%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
Limited Institutional Interest (FII+DII: 1.54%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Reliance Home Finance Ltd
About RHFL
Business 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.
Company Details
Key Leadership
Corporate Events
RHFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Reliance Home Finance Ltd (RHFL)?
As of 21 Jan 2026, 08:45 am IST, Reliance Home Finance Ltd (RHFL) is currently trading at ₹3.00. The stock has a market capitalization of ₹155.22 (Cr).
Is RHFL share price Overvalued or Undervalued?
RHFL is currently trading at a P/E ratio of 0.00x, compared to the industry average of 18.03x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Reliance Home Finance Ltd share price?
Key factors influencing RHFL's price include its quarterly earnings growth (Sales Growth: -100.00%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Reliance Home Finance Ltd a good stock for long-term investment?
Reliance Home Finance Ltd shows a 5-year Profit Growth of 14.75% and an ROE of N/A%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of N/A before investing.
How does Reliance Home Finance Ltd compare with its industry peers?
Reliance Home Finance Ltd competes with major peers in the Housing Finance Company. Investors should compare RHFL's P/E of 0.00x and ROE of N/A% against the industry averages to determine its competitive standing.
What is the P/E ratio of RHFL and what does it mean?
RHFL has a P/E ratio of N/Ax compared to the industry average of 18.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is RHFL performing according to Bull Run's analysis?
RHFL has a Bull Run fundamental score of 26.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does RHFL belong to?
RHFL operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Reliance Home Finance Ltd.
What is Return on Equity (ROE) and why is it important for RHFL?
RHFL has an ROE of N/A%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Reliance Home Finance Ltd generates profits from shareholders' equity.
How is RHFL's debt-to-equity ratio and what does it indicate?
RHFL has a debt-to-equity ratio of N/A, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is RHFL's dividend yield and is it a good dividend stock?
RHFL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has RHFL grown over the past 5 years?
RHFL has achieved 5-year growth rates of: Sales Growth -83.11%, Profit Growth 14.75%, and EPS Growth 14.75%.
What is the promoter holding in RHFL and why does it matter?
Promoters hold 0.74% of RHFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is RHFL's market capitalization category?
RHFL has a market capitalization of ₹155 crores, placing it in the Small-cap category.
How volatile is RHFL stock?
RHFL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for RHFL?
RHFL has a 52-week high of ₹N/A and low of ₹N/A.
What is RHFL's operating profit margin trend?
RHFL has a 5-year average Operating Profit Margin (OPM) of 113.37%, indicating the company's operational efficiency.
How is RHFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -100.00% and YoY Profit Growth of 89.78%.
What is the institutional holding pattern in RHFL?
RHFL has FII holding of 0.00% and DII holding of 1.54%. Significant institutional holding often suggests professional confidence in the stock.