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Reliance Home Finance Ltd logo

Reliance Home Finance Ltd

NSE: RHFL BSE: 540709

2.78

(-0.36)%

Fri, 06 Feb 2026, 06:20 am

Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Reliance Home Finance has not reported any payouts.
    • Unable to evaluate Reliance Home Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Reliance Home Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Reliance Home Finance's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
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    Cons

    • Reliance Home Finance reports no customer deposits, loans are made up entirely of borrowed funds.

    management

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    Pros

    • Ravindra's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The tenure for the Reliance Home Finance management team is about average.
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    Cons

    • The average tenure for the Reliance Home Finance board of directors is less than 3 years, this suggests a new board.
    • Ravindra's remuneration is higher than average for companies of similar size in India.

    misc

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    Pros

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      Cons

      • Reliance Home Finance is not covered by any analysts.
      • Reliance Home Finance has significant price volatility in the past 3 months.

      past

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      Pros

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        Cons

        • Unable to compare Reliance Home Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.
        • Reliance Home Finance does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
        • It is difficult to establish if Reliance Home Finance has efficiently used its assets last year compared to the IN Mortgage industry average (Return on Assets) as it is loss-making.
        • It is difficult to establish if Reliance Home Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
        • It is difficult to establish if Reliance Home Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
        • Unable to compare Reliance Home Finance's 1-year growth to the IN Mortgage industry average as it is not currently profitable.

        value

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        Pros

        • Reliance Home Finance's share price is below the future cash flow value, and at a moderate discount (> 20%).
        • Reliance Home Finance's share price is below the future cash flow value, and at a substantial discount (> 40%).
        • Reliance Home Finance is good value based on assets compared to the IN Mortgage industry average.
        • BSE:540709 is up 49.2% outperforming the Mortgage industry which returned 7.7% over the past month.
        • BSE:540709 is up 49.2% outperforming the market in India which returned 8% over the past month.
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        Cons

        • Reliance Home Finance is loss making, we can't compare its value to the IN Mortgage industry average.
        • Reliance Home Finance is loss making, we can't compare the value of its earnings to the India market.
        • 540709 underperformed the Mortgage industry which returned -26.3% over the past year.
        • 540709 underperformed the Market in India which returned -14.5% over the past year.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800