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Reliance Home Financ share price

Reliance Home Finance Ltd.

NSE: RHFL BSE: 540709 SECTOR: Finance - Housing  66k   205   40

3.61
0 0
BSE: 17 May 04:01 PM

Price Summary

Today's High

₹ 3.68

Today's Low

₹ 3.61

52 Week High

₹ 6.22

52 Week Low

₹ 1.61

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

175.11 Cr.

Advances

0 Cr.

No. of Shares

48.51 Cr.

P/E

0.03

P/B

0

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  -1.56

Operating Revenue

382.17 Cr.

Net Profit

5418.57 Cr.

Promoter Holding

0.74 %

EPS (TTM)

₹  123.19

Sales Growth

31.47

ROE

0 %

ROCE

250.03%

Profit Growth

199.61 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year31.47%
3 Year-37.79%
5 Year-25.11%

Profit Growth

1 Year199.61%
3 Year154.26%
5 Year100.48%

ROE%

1 Year0%
3 Year-72.87%
5 Year-47.55%

ROCE %

1 Year250.03%
3 Year58.49%
5 Year37.8%

ROA%

164.023387068701

PEG Ratio

0

PAT Margin (%)

1417.84284480728

EPS Growth(%)

199.613439293472

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 0.74 0
Dec 2023 0.74 0
Sep 2023 0.74 0
Jun 2023 43.61 0
Mar 2023 48.64 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 33.3612429001857% in last 3 years.
  • TThe company has been maintaining a healthy ROCE of 58.4894435562624% since last 3 years.

 Limitations

  • Promoters shareholding is low at 0.74%.
  • Company has a poor Return on Equity (ROE) track record of -72.870625406026%.
  • The company has delivered poor profit growth of -37.7900700700945% over past 3 years
  • The company has delivered poor Operating Income growth of -37.7900700700945% over past 3 years.
  • Promoter holding has decreased from 48.64% to 0.74%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 140.77 75.5 0.12 0.16 0.16
Other Income -0.05 3.1 0 0 0
Interest Expended 266.63 -759.27 0 0 0
Operating Expenses 16.24 -9059.62 -6.05 0.83 2.72
Total Provisions 0 -277.24 0.26 0 0
Depreciation 21.25 0.48 0 0 0
Profit Before Tax -163.4 10174.25 5.91 -0.67 -2.56
Tax 85.84 3647.46 0 0 0
Net Profit -249.24 5972.31 6.43 -0.67 -2.56
Adjusted EPS (RS) -5.14 123.13 0.13 -0.01 -0.05

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 1986.03 1587.39 803.26 290.68 382.17
Other Income 16.56 15.52 37.16 2.82 9060.73
Interest 1322.57 1336.72 1219.82 1185.34 31.5
Operating Expenses 225.52 156.64 98.73 294.92 120.24
Total Provisions 352.9 676.83 1824.76 6719.64 0.13
Exceptional Items 0 0 0 0 -277.24
Profit Before Tax 101.6 -567.28 -2302.89 -7906.4 9013.79
Tax 34.18 -191.96 -782.98 -2466.8 3595.22
Profit After Tax 67.42 -375.32 -1519.91 -5439.6 5418.57
Adjusted EPS (Rs.) 1.39 -7.74 -31.33 -112.14 111.71

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 485.06 485.06 485.06 485.06 485.06
Total Reserves 1356.94 981.69 -538.02 -5977.46 -558.89
Borrowings 11299.43 10353.15 10411.02 10459.02 86.99
Other N/C liabilities -155.56 -345.61 -1128.49 -3583.67 11.55
Current liabilities 4984.01 3909.28 4539.94 5177.72 21.69
Total Liabilities 17969.88 15383.57 13769.51 6560.67 46.4
Assets
Loans 16251.09 13240.11 10787.33 3108.31 0
Net Block 261.34 257.42 255.03 43.48 0
Capital WIP 0 0 0 0 0
Intangible WIP 0.16 0.53 0 0.07 0
Investments 74.06 16.59 1002.24 153.91 0
Other Loans 71.62 70.36 72.96 75.72 28.86
Other N/C Assets 108.2 149.52 109.02 11.94 0
Current Assets 1203.41 1649.04 1542.93 3167.24 17.54
Total Assets 17969.88 15383.57 13769.51 6560.67 46.4
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 48.64 43.61 0.74 0.74 0.74
anil d. ambani 0.06 0.06 0.06 0.06 0.06
jai anmol a. ambani - - - - 0.01
reliance infrastructure c... 0.61 0.61 0.61 0.61 0.61
tina a. ambani - - - - 0.05
jai anmol a ambani 0.01 0.01 0.01 0.01 -
tina a ambani 0.05 0.05 0.05 0.05 -
reliance capital limited 47.91 42.87 - - -
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 51.36 56.39 99.26 99.26 99.26
citadel securities india ... - - 1.10 1.10 1.10
life insurance corporatio... 1.54 1.54 1.54 1.54 1.54
ramakrishna reddy chinta - - 2.16 2.43 2.43
suma ramachandra reddy - - 1.83 2.12 2.07
suryaben pravin gudhka - - - - 1.16
multiplier share & stock ... - 1.47 - - -
aviator global investment... 1.65 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

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Company News

Reliance Home Financ - Quaterly Results9 Jan 2024, 6:34PM Reliance Home Financ - Quaterly Results9 Jan 2024, 6:34PM Reliance Home Financ - Quaterly Results9 Jan 2024, 6:34PM Reliance Home Financ - Quaterly Results1 Nov 2023, 4:07PM Reliance Home Financ - Quaterly Results1 Nov 2023, 4:07PM Reliance Home Financ - Quaterly Results1 Nov 2023, 4:07PM Reliance Home Finance informs about loss of share certificate18 Oct 2023, 5:03PM Reliance Home Finance informs about loss of share certificate23 Sep 2023, 4:23PM Reliance Home Finance informs about disclosure 14 Sep 2023, 10:12AM Reliance Home Finance informs about issuance of duplicate share certificate(s)31 Aug 2023, 10:06AM Reliance Home Financ - Quaterly Results28 Jul 2023, 7:26PM Reliance Home Financ - Quaterly Results28 Jul 2023, 7:26PM Reliance Home Finance informs about loss of share certificate13 Jul 2023, 9:50AM Reliance Home Finance informs about cessation of CFO cum KMP1 Jul 2023, 10:05AM Reliance Home Financ - Quaterly Results27 May 2023, 8:48PM Reliance Home Financ - Quaterly Results27 May 2023, 8:48PM Reliance Home Finance submits board meeting intimation 23 May 2023, 5:47PM Reliance Home Finance informs about disclosure18 Mar 2023, 11:07AM Reliance Home Finance informs about disclosure4 Mar 2023, 12:03PM Reliance Home Finance informs about disclosure25 Feb 2023, 2:02PM Reliance Home Financ - Quaterly Results2 Feb 2023, 7:49PM Reliance Home Financ - Quaterly Results2 Feb 2023, 7:49PM Reliance Home Finance informs about disclosure28 Jan 2023, 12:56PM Reliance Home Finance informs about updates 24 Dec 2022, 2:31PM Reliance Home Finance informs about disclosure17 Dec 2022, 11:35AM Reliance Home Finance informs about disclosure3 Dec 2022, 2:45PM Reliance Home Finance informs about disclosures26 Nov 2022, 11:57AM Reliance Home Finance reports net loss of Rs 164.64 crore for Q2FY234 Nov 2022, 3:15PM Reliance Home Financ - Quaterly Results3 Nov 2022, 6:17PM Reliance Home Financ - Quaterly Results3 Nov 2022, 6:17PM Reliance Home Finance informs about disclosure29 Oct 2022, 1:11PM Reliance Home Finance informs about disclosure15 Oct 2022, 11:02AM Reliance Home Finance informs about disclosure27 Aug 2022, 12:01PM Reliance Home Financ - Quaterly Results4 Aug 2022, 7:34PM Reliance Home Financ - Quaterly Results4 Aug 2022, 7:34PM Reliance Home Finance informs about disclosures30 Jul 2022, 12:51PM Reliance Home Finance informs about disclosure30 Jul 2022, 12:07PM Reliance Home Finance informs about disclosure25 Jun 2022, 4:14PM Reliance Home Finance informs about disclosure21 May 2022, 12:29PM Reliance Home Financ - Quaterly Results6 May 2022, 5:19PM Reliance Home Financ - Quaterly Results6 May 2022, 5:19PM Reliance Home Financ - Quaterly Results6 May 2022, 5:19PM Reliance Home Finance informs about disclosure23 Apr 2022, 4:31PM Reliance Home Finance informs about disclosure26 Mar 2022, 12:59PM Reliance Home Finance informs about disclosures26 Mar 2022, 11:58AM Reliance Home Finance submits disclosures 12 Mar 2022, 10:28AM Reliance Home Finance informs about disclosures5 Mar 2022, 12:17PM Reliance Home Finance informs about disclosure15 Feb 2022, 2:36PM Reliance Home Finance informs about disclosure29 Jan 2022, 1:08PM Reliance Home Finance informs about disclosure29 Jan 2022, 1:06PM

Reliance Home Financ Stock Price Analysis and Quick Research Report. Is Reliance Home Financ an attractive stock to invest in?

 

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Reliance Home Financ better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 5418.57 Cr and the compounded growth of profit in the past 3 years is 154.256401425173 %. The PAT margin of Reliance Home Financ is 1417.84284480728 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Reliance Home Financ , the EPS grew by 199.613439293472 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Reliance Home Financ has a poor ROE track record. The ROE of Reliance Home Financ is at 0 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Reliance Home Financ is worth at the current levels at Rs 3.7. Reliance Home Financ is trading at a current P/E ratio of 0.022469033464537 and the average historical P/E for the last 5 years was 4.13428731701739.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Reliance Home Financ is trading at a P/B of -2.2704 . The average historical P/B for the last 5 years was -0.517478107543939. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Reliance Home Financ is Rs 3.7. One can use valuation calculators of ticker to know if Reliance Home Financ share price is undervalued or overvalued.

Last Updated on:
Brief about Reliance Home Financ
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