Reliance Home Finance Ltd
₹ 3.61
-1.10%
22 Jul
- close price
- Market Cap ₹ 175 Cr.
- Current Price ₹ 3.61
- High / Low ₹ 6.22 / 1.61
- Stock P/E
- Book Value ₹ -1.59
- Dividend Yield 0.00 %
- ROCE -17.2 %
- ROE %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -80.1% over past five years.
- Promoter holding is low: 0.74%
- Promoter holding has decreased over last 3 years: -48.8%
- Working capital days have increased from -1,027 days to 224 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance - Housing
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
361.14 | 428.78 | 512.49 | 814.99 | 1,114.07 | 1,683.27 | 2,000.14 | 1,599.91 | 839.64 | 293.15 | 391.04 | 0.62 | |
64.73 | 86.50 | 89.96 | 141.67 | 234.88 | 372.57 | 575.04 | 829.21 | 1,920.43 | 6,802.47 | -8,933.12 | 2.98 | |
Operating Profit | 296.41 | 342.28 | 422.53 | 673.32 | 879.19 | 1,310.70 | 1,425.10 | 770.70 | -1,080.79 | -6,509.32 | 9,324.16 | -2.36 |
OPM % | 82.08% | 79.83% | 82.45% | 82.62% | 78.92% | 77.87% | 71.25% | 48.17% | -128.72% | -2,220.47% | 2,384.45% | -380.65% |
0.00 | 0.93 | 0.11 | 0.04 | 14.68 | 0.05 | 2.45 | 2.36 | 0.37 | 0.35 | -276.91 | 0.26 | |
Interest | 254.22 | 276.98 | 316.70 | 535.93 | 749.01 | 1,061.74 | 1,322.57 | 1,336.72 | 1,219.83 | 1,185.34 | 31.50 | 1.45 |
Depreciation | 0.16 | 0.19 | 0.03 | 0.72 | 7.06 | 2.08 | 3.38 | 3.62 | 2.64 | 212.09 | 1.96 | 0.00 |
Profit before tax | 42.03 | 66.04 | 105.91 | 136.71 | 137.80 | 246.93 | 101.60 | -567.28 | -2,302.89 | -7,906.40 | 9,013.79 | -3.55 |
Tax % | 34.62% | 34.30% | 34.79% | 36.54% | -25.25% | 32.24% | 33.64% | -33.84% | -34.00% | -31.20% | 39.89% | 0.00% |
27.48 | 43.39 | 69.06 | 86.76 | 172.59 | 167.33 | 67.42 | -375.32 | -1,519.91 | -5,439.60 | 5,418.57 | -3.55 | |
EPS in Rs | 4.18 | 6.59 | 10.49 | 13.18 | 14.90 | 3.45 | 1.39 | -7.74 | -31.33 | -112.14 | 111.71 | -0.07 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 3.36% | 28.99% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | -48% |
5 Years: | -80% |
3 Years: | -91% |
TTM: | -100% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 26% |
TTM: | -100% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | -19% |
3 Years: | -9% |
1 Year: | 13% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
Last Year: | % |
Balance Sheet
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 65.82 | 65.82 | 65.82 | 65.82 | 115.82 | 485.06 | 485.06 | 485.06 | 485.06 | 485.06 | 485.06 | 485.06 |
Reserves | 355.09 | 398.48 | 467.54 | 554.30 | 1,013.78 | 1,339.46 | 1,356.94 | 981.69 | -538.02 | -5,977.46 | -558.89 | -562.24 |
1,939.63 | 2,376.86 | 3,639.50 | 6,548.29 | 9,670.27 | 13,135.96 | 15,698.92 | 13,235.23 | 12,976.40 | 12,714.46 | 86.99 | 91.41 | |
592.96 | 903.74 | 1,384.53 | 525.18 | 546.78 | 447.27 | 584.52 | 1,027.21 | 1,974.56 | 2,922.27 | 21.69 | 15.59 | |
Total Liabilities | 2,953.50 | 3,744.90 | 5,557.39 | 7,693.59 | 11,346.65 | 15,407.75 | 18,125.44 | 15,729.19 | 14,898.00 | 10,144.33 | 34.85 | 29.82 |
0.25 | 0.09 | 39.45 | 44.31 | 67.68 | 264.41 | 265.79 | 261.79 | 259.33 | 47.70 | 0.00 | 0.00 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.94 | 0.16 | 0.53 | 0.00 | 0.07 | 0.00 | 0.00 |
Investments | 13.76 | 320.00 | 0.00 | 80.42 | 507.76 | 54.06 | 93.46 | 950.74 | 1,007.44 | 160.78 | 0.00 | 0.00 |
2,939.49 | 3,424.81 | 5,517.94 | 7,568.86 | 10,771.21 | 15,087.34 | 17,766.03 | 14,516.13 | 13,631.23 | 9,935.78 | 34.85 | 29.82 | |
Total Assets | 2,953.50 | 3,744.90 | 5,557.39 | 7,693.59 | 11,346.65 | 15,407.75 | 18,125.44 | 15,729.19 | 14,898.00 | 10,144.33 | 34.85 | 29.82 |
Cash Flows
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-1.68 | 412.05 | -179.27 | 433.43 | -3,296.27 | -3,507.32 | -1,189.02 | 4,713.05 | 3,068.08 | -597.38 | 4,103.02 | -21.79 | |
23.40 | -281.72 | 293.15 | -71.50 | -355.05 | 495.79 | -55.00 | -856.08 | -1,559.75 | 848.31 | -104.81 | 0.64 | |
-0.33 | 0.00 | 0.00 | 0.00 | 3,226.73 | 2,817.99 | 1,290.91 | -3,927.20 | -1,373.56 | -366.90 | -4,035.08 | 4.07 | |
Net Cash Flow | 21.39 | 130.33 | 113.88 | 361.93 | -424.59 | -193.54 | 46.89 | -70.23 | 134.77 | -115.97 | -36.87 | -17.08 |
Ratios
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | -287.94 | -314.22 | -421.56 | -361.38 | -260.90 | -24.43 | 33.20 | -138.55 | -682.05 | -3,300.73 | -4.09 | 223.71 |
ROCE % | 12.77% | 13.19% | 12.05% | 11.86% | 10.05% | 10.16% | 8.76% | 4.78% | -7.84% | -66.73% | 257.70% | -17.23% |
Documents
Announcements
- Intimation On Status Of Non-Compliance For The Quarter Ended June 30, 2024 1d
- Update On Implementation Of Resolution Plan 19 Jul
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 10 Jul
- Closure of Trading Window 28 Jun
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 26 Jun
Business Overview:[1]
Company is promoted by Reliance Capital Limited (RCL) which is a part of the ADAG (Anil Dhirubhai Ambani Group) and holds ** 47.91%** stake in the company. RHFL is registered as housing finance company with National Housing Bank without accepting public deposits and is engaged in mortgaged based lending operations