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Reliance Home Finance Ltd

Banking And Finance | Small Cap

Reliance Home Finance Ltd Health Insights
Health Score : 4.37Health Score : 4.37

Reliance Home Finance Ltd, operating in the non-bank financial services sector, presents a mixed financial picture. The company shows some strengths in liquidity and profitability metrics, but faces significant challenges in solvency and growth. A high operating cash flow boosts liquidity, while strong gross profit and return on assets drive profitability. However, high debt levels and negative equity impact solvency, and declining revenue and earnings hinder growth. The company's overall health requires careful evaluation, balancing its operational strengths against its financial vulnerabilities. The future outlook is uncertain, depending on the company's ability to manage its debt and stimulate growth in a competitive market.

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Overview
Ratio
Financial
Reliance Home Finance Ltd Health Insights
Health Score : 4.37Health Score : 4.37

Reliance Home Finance Ltd, operating in the non-bank financial services sector, presents a mixed financial picture. The company shows some strengths in liquidity and profitability metrics, but faces significant challenges in solvency and growth. A high operating cash flow boosts liquidity, while strong gross profit and return on assets drive profitability. However, high debt levels and negative equity impact solvency, and declining revenue and earnings hinder growth. The company's overall health requires careful evaluation, balancing its operational strengths against its financial vulnerabilities. The future outlook is uncertain, depending on the company's ability to manage its debt and stimulate growth in a competitive market.

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Neutral

Overall Valuation Score

Highly Undervalued
Undervalued
Neutral
Overvalued
Highly Overvalued
Neutral

P/E RATIO (TTM)

N/A

Undervalued

Industry Median

11.13

Undervalued
Undervalued

Small Cap Median

10.86

Undervalued

P/E RATIO

4.40

P/B RATIO

-2.02

Highly Undervalued

Industry Median

1.45

Highly Undervalued
Highly Undervalued

Small Cap Median

1.36

Highly Undervalued

P/S RATIO

N/A

Neutral

Industry Median

3.40

Neutral
Neutral

Small Cap Median

3.06

Neutral

Others

Highly Undervalued

PEG RATIO

0.30

Highly Undervalued
Undervalued

EV/EBITDA RATIO

5.84

Undervalued

The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹2.2 as on Jun 19, 2026.

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Growth Ratio Summary
Growth Ratio SummaryGrowth Score : 2.00

The company showcases negative trends across all growth metrics. Declining revenue, operating profit, EPS, asset base and net income point to significant challenges in expanding its business and maintaining profitability. Reliance Home Finance faces considerable obstacles in achieving sustainable growth.

PoorRevenue Growth RatePoor
PoorOperating Profit Growth RatePoor
PoorEarnings Per Share (EPS) GrowthPoor
PoorAsset Growth RatePoor
PoorNet Income Growth RatePoor
Growth RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Revenue Growth Rate-47.5-65.1233.45-99.74-100
Operating Profit Growth Rate-240.21502.13-243.25-100.0250
Earnings Per Share (EPS) Growth304.78257.93-199.62-100.06-814.29
Asset Growth Rate-5.28-31.91-99.65-14.29-93.33
Net Income Growth Rate305.33257.89-199.61-100.07-700
01.

Revenue Growth Rate

02.

Operating Profit Growth Rate

03.

Earnings Per Share (EPS) Growth

04.

Asset Growth Rate

05.

Net Income Growth Rate

Financial Ratio Summary
Financial Ratio SummaryFinancial Score : 3.20

The company's financial ratios paint a concerning picture. Low adjusted EPS, cash EPS and book value per share, coupled with no dividend distribution, indicate financial weakness. However, average capital expenditures signal ongoing investments. Reliance Home Finance faces significant challenges in boosting financial performance.

PoorAdjusted Earnings Per Share (Adjusted EPS)Poor
WeakCash Earnings Per Share (Cash EPS)Weak
PoorBook Value Per SharePoor
PoorDividend Per Share (DPS)Poor
AverageCapital Expenditures (CapEx)Average
Financial RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Adjusted Earnings Per Share (Adjusted EPS)-31.34-112.16111.73-0.080.49
Cash Earnings Per Share (Cash EPS)-31.28-107.79111.77-0.080.49
Book Value Per Share-1.09-113.24-1.53-1.59-1.09
Dividend Per Share (DPS)00000
Capital Expenditures (CapEx)3.60.342.200
01.

Adjusted Earnings Per Share (Adjusted EPS)

02.

Cash Earnings Per Share (Cash EPS)

03.

Book Value Per Share

04.

Dividend Per Share (DPS)

05.

Capital Expenditures (CapEx)

Profitability Ratio Summary
Profitability Ratio SummaryProfitability Score : 5.20

The company shows a mixed performance in profitability. Strong gross profit margin, return on assets and operating margin are offset by a poor return on capital employed and net margin. Reliance Home Finance showcases some profitability strengths but faces significant challenges in overall efficiency.

ExcellentGross Profit MarginExcellent
PoorReturn on Capital Employed (ROCE)Poor
PoorReturn on Equity (ROE)Poor
ExcellentReturn on Assets (ROA)Excellent
ExcellentOperating MarginExcellent
PoorNet MarginPoor
Profitability RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Gross Profit Margin-129.05-2293.862384.14-200N/A
Return on Capital Employed (ROCE)-4.18-33.719046.9-2.85N/A
Return on Equity (ROE)N/AN/AN/AN/AN/A
Return on Assets (ROA)-7.26-64.1726640-6.67N/A
Operating Margin-128.69-2221.52384.65-200N/A
Net Margin-180.95-1856.661385.93-400N/A
01.

Gross Profit Margin

02.

Return on Capital Employed (ROCE)

03.

Return on Equity (ROE)

04.

Return on Assets (ROA)

05.

Operating Margin

06.

Net Margin

Efficiency Ratio Summary
Efficiency Ratio SummaryEfficiency Score : 5.00

The company's efficiency ratios present a mixed picture. While days sales in inventory and receivable days are strong, fixed asset and capital turnover ratios are poor. Reliance Home Finance showcases operational inefficiencies that may hinder its overall performance.

PoorFixed Asset Turnover RatioPoor
PoorInventory Turnover RatioPoor
PoorReceivables Turnover RatioPoor
ExcellentDays Sales in Inventory RatioExcellent
ExcellentReceivable DaysExcellent
WeakCapital Turnover RatioWeak
Efficiency RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Fixed Asset Turnover Ratio3.246.1N/AN/AN/A
Inventory Turnover RatioN/AN/AN/AN/AN/A
Receivables Turnover RatioN/AN/AN/AN/AN/A
Days Sales in Inventory RatioN/AN/AN/AN/AN/A
Receivable DaysN/AN/AN/AN/AN/A
Capital Turnover Ratio0.030.013.910.010
01.

Fixed Asset Turnover Ratio

02.

Inventory Turnover Ratio

03.

Receivables Turnover Ratio

04.

Days Sales in Inventory Ratio

05.

Receivable Days

06.

Capital Turnover Ratio

Coverage Ratio Summary
Coverage Ratio SummaryCoverage Score : 6.80

The company shows a mixed performance in coverage ratios. A very strong interest coverage ratio suggests a comfortable ability to meet interest obligations, but a low equity dividend coverage ratio indicates limited capacity to cover dividend payments. Reliance Home Finance shows an ability to handle debt obligations but struggles with dividend payouts.

ExcellentInterest Coverage RatioExcellent
PoorEquity Dividend Coverage RatioPoor
Coverage RatiosMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Interest Coverage Ratio0.58-0.89-5.67282.69-325
Equity Dividend Coverage RatioN/AN/AN/AN/AN/AN/A
01.

Interest Coverage Ratio

02.

Equity Dividend Coverage Ratio

Solvency Ratio Summary
Solvency Ratio SummarySolvency Score : 4.40

The company's solvency position is weak, characterized by a concerning debt ratio and equity ratio. While the debt-to-equity ratio suggests the company has been strategically managing its debt, high debt to asset ratio indicates a significant portion of assets are financed by debt. Reliance Home Finance faces substantial solvency challenges that could impact its long-term financial stability.

PoorDebt RatioPoor
ExcellentDebt to Equity RatioExcellent
PoorEquity RatioPoor
PoorDebt To Asset RatioPoor
Solvency RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debt Ratio11.766.76.34-3.16
Debt to Equity RatioN/A-2.32-1.18-1.19-0.76
Equity Ratio0-0.76-5.7-5.344.16
Debt To Asset Ratio0.871.252.493.0520.14
01.

Debt Ratio

02.

Debt to Equity Ratio

03.

Equity Ratio

04.

Debt To Asset Ratio

Liquidity Ratio Summary
Liquidity Ratio SummaryLiquidity Score : 6.98

The company's liquidity position is strong, primarily driven by a very high operating cash flow ratio. While the current and quick ratios indicate some ability to meet short-term obligations, the cash ratio suggests a reliance on operational efficiency rather than readily available cash. Overall, the company's ability to meet its short-term liabilities is supported by its operational cash flow, but could be vulnerable if operational performance falters.

WeakCurrent RatioWeak
GoodQuick RatioGood
AverageCash RatioAverage
ExcellentOperating Cash Flow RatioExcellent
Liquidity RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Current Ratio6.93.41.591.880.14
Quick Ratio6.93.41.591.880.14
Cash Ratio0.661.010.80.760.05
Operating Cash Flow Ratio1.55-0.2186.5-1.380.64
01.

Current Ratio

02.

Quick Ratio

03.

Cash Ratio

04.

Operating Cash Flow Ratio

Peer Comparison With 2 Companies

Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.

NO Company Name Health Score P/E Ratio Valuation OPM EPS Latest Profit & Loss
1Coral India Finance & Housing Ltd7.308.69Neutral12.003.6715.00
2Reliance Home Finance Ltd4.374.40Neutral-3.000.5024.00
Management Assessment Summary
RedWeak Management

Reliance Home Finance exhibits significant management weaknesses based on the provided data, leading to an overall weak assessment. Key concerns include negative sales growth, volatile profitability, and a sharp decline in promoter holding. The company's financial instability and reduced investor confidence raise substantial questions about management effectiveness and strategic direction.

Category Metric Value Assessment
CONS Compounded Sales Growth (TTM) -65% Indicates a significant decline in sales performance.
CONS Operating Profit Margin (Mar 2025) -1464% Reflects operational inefficiencies and poor profitability.
CONS Promoter Holding (Mar 2025) 0.74% Suggests a lack of confidence in the company's future prospects.
CONS ROCE (Mar 2025) -432% Highlights inefficient utilization of capital.
PoorFinancial Performance & GrowthPoor
WeakCapital Efficiency & ReturnsWeak
PoorFinancial Health & PrudencePoor
PoorShareholding & Ownership StructurePoor
01.

Financial Performance & Growth

02.

Capital Efficiency & Returns

03.

Financial Health & Prudence

04.

Shareholding & Ownership Structure

Risk Assessment Summary
RedWeak Risk

Reliance Home Finance faces a high level of risk due to negative sales growth, volatile profitability, and negative ROCE. The sharp reduction in promoter holding raises concerns about the company's governance and long-term viability.

AverageAccounting quality red flagsAverage
WeakSegment performance volatilityWeak
AverageForeign exchange or interest rate exposureAverage
01.

Accounting quality red flags

02.

Segment performance volatility

03.

Foreign exchange or interest rate exposure

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Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Market Sentiment

Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bearish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 102.21Bearish
  3. SMA 202.22Bearish
  4. SMA 502.21Bearish
  5. EMA 102.21Bearish
  6. EMA 202.22Bearish
  7. EMA 502.21Bearish
  8. DEMA 102.21Bearish
  9. DEMA 202.22Bearish
  10. DEMA 502.22Bearish
  11. TEMA 102.20Bearish
  12. TEMA 202.21Bearish
  13. TEMA 502.23Bearish
  14. MACD-0.00Bearish
  15. ADX16.48Weak Trend
Momentum Indicators (7)
  1. IndicatorValueSignal
  2. RSI45.89Neutral
  3. CCI-72.14Neutral
  4. ROC 9-0.45Bearish
  5. ROC 14-0.45Bearish
  6. ROC 250.46Bullish
  7. Stoch K47.22Neutral
  8. Stoch D51.52Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper2.26Neutral
  3. BB Middle2.22Neutral
  4. BB Lower2.18Neutral
  5. ATR0.05Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI57.44Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Market Sentiment

Analysis Driven By 26 Technical Indicators From The 2 Hours Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bearish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 102.22Bearish
  3. SMA 202.22Bearish
  4. SMA 502.19Bullish
  5. EMA 102.21Bearish
  6. EMA 202.21Bearish
  7. EMA 502.20Bearish
  8. DEMA 102.21Bearish
  9. DEMA 202.22Bearish
  10. DEMA 502.21Bearish
  11. TEMA 102.20Bearish
  12. TEMA 202.21Bearish
  13. TEMA 502.22Bearish
  14. MACD0.00Bearish
  15. ADX19.10Weak Trend
Momentum Indicators (7)
  1. IndicatorValueSignal
  2. RSI48.57Neutral
  3. CCI-107.84Oversold
  4. ROC 9-1.79Bearish
  5. ROC 140.46Bullish
  6. ROC 251.85Bullish
  7. Stoch K42.31Neutral
  8. Stoch D44.30Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper2.26Neutral
  3. BB Middle2.22Neutral
  4. BB Lower2.18Neutral
  5. ATR0.06Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI54.27Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Market Sentiment

Analysis Driven By 26 Technical Indicators From The 4 Hours Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 102.22Bearish
  3. SMA 202.20Bearish
  4. SMA 502.20Bullish
  5. EMA 102.21Bearish
  6. EMA 202.20Bearish
  7. EMA 502.21Bearish
  8. DEMA 102.22Bearish
  9. DEMA 202.21Bearish
  10. DEMA 50N/AN/A
  11. TEMA 102.22Bearish
  12. TEMA 202.23Bearish
  13. TEMA 50N/AN/A
  14. MACD0.01Bullish
  15. ADX16.03Weak Trend
Momentum Indicators (7)
  1. IndicatorValueSignal
  2. RSI49.63Neutral
  3. CCI-1.71Neutral
  4. ROC 9-2.22Bearish
  5. ROC 141.38Bullish
  6. ROC 251.38Bullish
  7. Stoch K61.44Neutral
  8. Stoch D65.32Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper2.26Neutral
  3. BB Middle2.20Neutral
  4. BB Lower2.14Neutral
  5. ATR0.08High Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI46.88Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Market Sentiment

Analysis Driven By 33 Technical Indicators From The 1 Day Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (22)
  1. IndicatorValueSignal
  2. SMA 102.18Bullish
  3. SMA 202.18Bullish
  4. SMA 502.21Bearish
  5. SMA 1002.50Bearish
  6. SMA 2003.26Bearish
  7. EMA 102.19Bullish
  8. EMA 202.19Bullish
  9. EMA 502.28Bearish
  10. EMA 1002.55Bearish
  11. EMA 2003.00Bearish
  12. DEMA 102.20Bullish
  13. DEMA 202.17Bullish
  14. DEMA 502.07Bullish
  15. DEMA 1001.99Bullish
  16. DEMA 2002.36Bearish
  17. TEMA 102.22Bearish
  18. TEMA 202.20Bullish
  19. TEMA 502.15Bullish
  20. TEMA 1001.94Bullish
  21. TEMA 2001.90Bullish
  22. MACD-0.01Bullish
  23. ADX13.69Weak Trend
Momentum Indicators (6)
  1. IndicatorValueSignal
  2. RSI50.71Neutral
  3. CCI74.07Neutral
  4. ROC 142.31Bullish
  5. ROC 25-1.78Bearish
  6. Stoch K75.11Neutral
  7. Stoch D73.79Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper2.25Neutral
  3. BB Middle2.18Neutral
  4. BB Lower2.12Neutral
  5. ATR0.10High Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI51.17Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Market Sentiment

Analysis Driven By 21 Technical Indicators From The 1 Week Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (10)
  1. IndicatorValueSignal
  2. SMA 202.38Bearish
  3. SMA 503.38Bearish
  4. EMA 202.43Bearish
  5. EMA 502.99Bearish
  6. DEMA 201.98Bullish
  7. DEMA 502.38Bearish
  8. TEMA 202.02Bullish
  9. TEMA 501.93Bullish
  10. MACD-0.31Bullish
  11. ADX24.83Weak Trend
Momentum Indicators (6)
  1. IndicatorValueSignal
  2. RSI40.97Neutral
  3. CCI-86.31Neutral
  4. ROC 141.87Bullish
  5. ROC 25-28.29Bearish
  6. Stoch K36.46Neutral
  7. Stoch D36.03Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper2.93Neutral
  3. BB Middle2.38Neutral
  4. BB Lower1.82Neutral
  5. ATR0.28Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI59.49Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Market Sentiment

Analysis Driven By 25 Technical Indicators From The 1 Month Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 62.40Bearish
  3. SMA 123.40Bearish
  4. SMA 243.58Bearish
  5. EMA 62.48Bearish
  6. EMA 122.94Bearish
  7. EMA 243.32Bearish
  8. DEMA 62.00Bullish
  9. DEMA 122.36Bearish
  10. DEMA 242.67Bearish
  11. TEMA 61.95Bullish
  12. TEMA 121.97Bullish
  13. TEMA 243.11Bearish
  14. MACD-2.66Bullish
  15. ADX12.85Weak Trend
Momentum Indicators (6)
  1. IndicatorValueSignal
  2. RSI34.34Neutral
  3. CCI-136.24Oversold
  4. ROC 25-49.77Bearish
  5. ROC 50-43.90Bearish
  6. Stoch K28.85Neutral
  7. Stoch D42.63Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper5.63Neutral
  3. BB Middle3.48Neutral
  4. BB Lower1.32Neutral
  5. ATR1.10Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI42.59Neutral