RHFL
Reliance Home Finance Limited (RHFL) Stock Analysis
Reliance Home Finance Limited historically provided housing loans and is under insolvency resolution. It was part of the Reliance Capital group lending businesses. The company has curtailed lending amid restructuring. It remains listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹1.50
-2.56% 1W | -57.50% 52W
Market Cap
74 CR
P/E Ratio
3.2
52W High
₹3.9
52W Low
₹1.5
Div. Yield
0%
Beta
0.5
50 DMA
₹1.7
200 DMA
₹2.2
Profit Margin
0%
Inst. Own.
1.5%
✅ BOUNCE FROM SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 15.88 | 93.63 | 72.27 | 140.77 | 75.50 | 0.12 | 0.16 | 0.16 | 0.18 | 0.18 | 0.02 | 0.02 | 0.00 |
| Expenses | 6,067.77 | 44.76 | 44.91 | 16.24 | -9,059.62 | -6.05 | 0.82 | 2.72 | 5.48 | 0.28 | 0.40 | 2.23 | 0.53 |
| Operating Profit | -6,051.89 | 48.87 | 27.36 | 124.53 | 9,135.12 | 6.17 | -0.66 | -2.56 | -5.30 | -0.10 | -0.38 | -2.21 | -0.53 |
| OPM % | -38,110.14% | 52.19% | 37.86% | 88.46% | 12,099.50% | 5,141.67% | -412.50% | -1,600.00% | -2,944.44% | -55.56% | -1,900.00% | -11,050.00% | |
| Other Income | 0.47 | 0.13 | 6.02 | -0.05 | -274.14 | 0.26 | 0.00 | 0.00 | 0.00 | 0.00 | 27.89 | 0.34 | 0.00 |
| Interest | 311.04 | 251.77 | 272.19 | 266.63 | -759.27 | 0.00 | 0.00 | 0.00 | 1.45 | 0.34 | 0.29 | 0.11 | 0.16 |
| Depreciation | 210.49 | 0.51 | 0.49 | 21.25 | 0.48 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | -6,572.95 | -203.28 | -239.30 | -163.40 | 9,619.77 | 6.43 | -0.66 | -2.56 | -6.75 | -0.44 | 27.22 | -1.98 | -0.69 |
| Tax % | -31.20% | -31.20% | -31.20% | 52.53% | 37.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -3.54% | 0.00% |
| Net Profit | -4,522.19 | -139.86 | -164.64 | -249.24 | 5,972.31 | 6.43 | -0.66 | -2.56 | -6.75 | -0.44 | 27.22 | -1.92 | -0.69 |
| EPS in Rs | -93.23 | -2.88 | -3.39 | -5.14 | 123.13 | 0.13 | -0.01 | -0.05 | -0.14 | -0.01 | 0.56 | -0.04 | -0.01 |
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 429 | 512 | 815 | 1,114 | 1,683 | 2,000 | 1,600 | 840 | 293 | 391 | 1 | 0 |
| Expenses | 86 | 90 | 142 | 235 | 373 | 575 | 829 | 1,920 | 6,802 | -8,933 | 3 | 3 |
| Operating Profit | 342 | 423 | 673 | 879 | 1,311 | 1,425 | 771 | -1,081 | -6,509 | 9,324 | -2 | -3 |
| OPM % | 80% | 82% | 83% | 79% | 78% | 71% | 48% | -129% | -2,220% | 2,384% | -381% | -1,464% |
| Other Income | 1 | 0 | 0 | 15 | 0 | 2 | 2 | 0 | 0 | -277 | 0 | 28 |
| Interest | 277 | 317 | 536 | 749 | 1,062 | 1,323 | 1,337 | 1,220 | 1,185 | 32 | 1 | 1 |
| Depreciation | 0 | 0 | 1 | 7 | 2 | 3 | 4 | 3 | 212 | 2 | 0 | 0 |
| Profit before tax | 66 | 106 | 137 | 138 | 247 | 102 | -567 | -2,303 | -7,906 | 9,014 | -4 | 24 |
| Tax % | 34% | 35% | 37% | -25% | 32% | 34% | -34% | -34% | -31% | 40% | 0% | -0% |
| Net Profit | 43 | 69 | 87 | 173 | 167 | 67 | -375 | -1,520 | -5,440 | 5,419 | -4 | 24 |
| EPS in Rs | 6.59 | 10.49 | 13.18 | 14.90 | 3.45 | 1.39 | -7.74 | -31.33 | -112.14 | 111.71 | -0.07 | 0.50 |
| Dividend Payout % | 0% | 0% | 0% | 3% | 29% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -91.0% | -83.0% | -54.0% |
| Profit CAGR | 26.0% | 15.0% | – |
Shareholding Pattern
Promoters0.74%
FIIs0.39%
DIIs1.55%
Public97.32%
Promoters0.74%
DIIs1.55%
Public97.69%
Promoters0.74%
DIIs1.55%
Public97.69%
Promoters0.74%
DIIs1.54%
Public97.70%
Promoters0.74%
DIIs1.54%
Public97.70%
Promoters49.58%
FIIs2.04%
DIIs1.76%
Public46.61%
Promoters49.58%
FIIs2.19%
DIIs1.56%
Public46.67%
Promoters48.64%
FIIs2.19%
DIIs1.55%
Public47.60%
Promoters0.74%
FIIs0.39%
DIIs1.55%
Public97.32%
Promoters0.74%
DIIs1.54%
Public97.70%
RHFL
Holdings Analysis
Key strengths & risk signals
37
Overall
25
Fundamental
50
Technical
Risks (4)
LOW MARGIN! 0% profit margin - thin profits.
POOR YEAR! Stock declined 57.5% in the last year.
WEAK POSITION! Current price (1.5) is below both moving averages.
WEAK! Trading at 0.0% of 52W range - near yearly lows.
Strengths (3)
OVERSOLD! RSI at 27.6 - potential bounce opportunity.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
TESTING SUPPORT! Stock is at key support level.
Fundamental & Technical Analysis
37Overall
25Fundamental
50Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: -89.6% (DECLINING, 2/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
0/10
LOW MARGIN! 0% profit margin - thin profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 47.46% public ownership - higher volatility risk.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (1.7) is below 200-day average (2.2) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (1.5) is below both moving averages.
Trend Pattern
16/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
0/10
POOR YEAR! Stock declined 57.5% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 6 up days, 19 down days. Avg volume on up days: 599,440 vs down days: 633,979. Ratio: 0.95x
RSI
5/5
OVERSOLD! RSI at 27.6 - potential bounce opportunity.
52W Range
1/5
WEAK! Trading at 0.0% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.6% (1 week), 15.1% (1 month), 24.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RHFL | ₹1.50 | 3.2 | – | -89.6% | – | -57.5% | 37 | BOUNCE FROM SUPPORT | – | – | – | – |
| TFL | ₹12.20 | – | -31.2% | 10.2% | – | -16.0% | 53 | BREAKOUT | -88.9% | -92.9% | -35.9% | -37.5% |
| SRGHFL | ₹111.70 | 5.1 | 27.7% | 31.0% | 24.0% | -63.6% | 65 | BREAKDOWN | +25.0% | -7.6% | +33.1% | -5.6% |
| GICHSGFIN | ₹131.80 | 4.5 | 43.6% | -1.0% | -10.1% | -22.9% | 47 | APPROACHING RESISTANCE | +36.5% | -81.2% | +0.7% | -2.0% |
| GRANDOAK | ₹35.00 | – | -8.1% | – | – | -12.3% | 35 | CONSOLIDATING DOWN | +5.5% | -203.4% | – | – |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
Data from TradeAlone · Updated daily
No news tagged for RHFL yet.
