Reliance Home Finance Ltd.

NSE: RHFL | BSE: 540709 | ISIN: INE217K01011 |Industry: Housing Finance
|Value Trap
Durability score
35 /100
Valuation score
50.7 /100
Momentum score
24.4 /100
Market Capitalizati...
1,333.8 Cr.
AVG Broker Target
91
PE TTM Price to Ear...
5.7

Peer Group

StockCurrent Price RsPE TTM Price to EarningsMarket Capitalization in CrDividend yield 1yr %Net Profit Qtr CrNet Profit Annual Growth YoY %Revenue Qtr CrRevenue Growth Qtr YoYPrice to Book Value
Reliance Home Financ.. 27.505.681333.753.6455.004.63514.0027.540.70
Housing Development ..
Market Leader
1930.0034.51331853.851.042113.8063.4310555.5521.565.40
Indiabulls Housing F..
Market Runner Up
744.007.7931794.845.38972.8231.534236.8026.502.37
LIC Housing Finance .. 498.1011.0425136.621.37596.313.034438.7818.741.98
GRUH Finance Ltd. 300.1549.0921993.490.0096.9522.26540.0626.0415.93
PNB Housing Finance .. 785.0012.7513146.401.15302.97-2077.7444.442.08
Aavas Financiers Ltd. 1123.9562.078778.940.0056.2760.64194.8555.057.99
Housing and Urban De.. 43.357.448678.241.57328.26-5.081310.5323.110.88
All values except ratios in INR(Crores)
IndicatorDec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Mar-2017Dec-2016Graph
Revenue Qtr Cr 514.0 459.0 404.0 433.0 403.0 389.0 383.0 327.6 261.0
Operating Expenses Qtr Cr 77.0 67.0 52.0 92.0 78.0 73.0 93.0 97.3 55.0
Operating Profit Qtr Cr 437.0 392.0 352.0 341.0 325.0 316.0 290.0 230.3 206.0
Operating Profit Margin Qtr % 85.02% 85.4% 87.13% 78.75% 80.65% 81.23% 75.72% 70.3% 78.93%
Other Income Qtr Cr 2.0 5.0 7.0 17.0 18.0 18.0 10.0 45.1 9.0
Depreciation Qtr Cr 0.0 1.0 1.0 6.0 7.0 11.0 2.0 7.1 0.0
Interest Qtr Cr 351.0 294.0 286.0 262.0 266.0 264.0 245.0 227.5 180.0
Profit Before Tax Qtr Cr 88.0 102.0 72.0 90.0 70.0 59.0 53.0 40.8 35.0
Tax Qtr Cr 33.0 27.0 24.0 33.0 24.0 18.0 16.0 -66.8 12.0
Net Profit Qtr Cr 55.0 75.0 48.0 57.0 46.0 41.0 37.0 107.6 23.0
Basic EPS Qtr Rs 1.2 1.6 1.0 1.2 1.0 1.6 3.2 0.0 2.4
Net profit TTM Cr 235.0 226.0 192.0 181.0 231.6 208.6 187.6 172.6
Basic EPS TTM Rs 4.8 4.7 4.0 3.7 4.8 4.3 16.2 14.9 1.3
Quarterly Revenue Qtr Cr Analysis
Revenue Qtr Cr growth is higher than historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is lower than historical averages.
IndicatorGraph
Revenue Qtr Cr
Operating Expenses Qtr Cr
Operating Profit Qtr Cr
Operating Profit Margin Qtr %
Other Income Qtr Cr
Depreciation Qtr Cr
Interest Qtr Cr
Profit Before Tax Qtr Cr
Tax Qtr Cr
Net Profit Qtr Cr
Basic EPS Qtr Rs
Net profit TTM Cr
Basic EPS TTM Rs
All values except ratios in INR(Crores)
IndicatorTTMMar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Mar-2010Graph
Total Revenue Annual Cr 1,810.0 1,670.5 1,144.7 815.0 512.6 429.7 361.1 339.2 323.8 64.5
Operating Expenses Annual Cr 288.0 335.7 251.3 141.7 90.0 86.5 64.7 66.8 71.0 22.7
Operating Profit Annual in Cr 1,522.0 1,267.3 822.0 654.4 411.0 336.3 290.9 272.3 251.8 41.0
Operating Profit Margin Annual % 75.86% 71.81% 80.29% 80.18% 78.27% 80.54% 80.3% 77.78% 63.57%
Total Expenses Annual Cr 1,399.0 1,006.9 678.3 406.7 363.7 319.1 299.5 261.6 57.4
EBIDT Annual Cr 1,553.0 1,334.8 893.4 673.4 422.6 343.2 296.4 272.3 252.7 41.8
EBIDT margin Annual % 79.9% 78.05% 82.62% 82.45% 79.87% 82.08% 80.3% 78.06% 64.76%
Other Income Annual Cr 31.0 67.5 71.4 19.0 11.7 6.9 5.5 0.0 0.9 0.8
Depreciation Cr 8.0 26.2 7.1 0.7 0.0 0.2 0.2 0.2 0.2 0.1
PAT Before ExtraOrdinary Items Annual Cr 180.6 172.6 86.8 69.1 43.4 27.5 26.5 41.2 5.3
Net Profit Annual Cr 235.0 180.6 172.6 86.8 69.1 43.4 27.5 26.5 41.2 5.3
Basic EPS Annual Rs 5.6 20.4 13.2 10.5 6.6 4.3 4.2 13.7 4.4
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is stable compared to historical averages.
Average Total Revenue Annual Cr
1 Year:
1,670.52 Cr
3 Years:
1,210.08 Cr
5 Years:
914.51 Cr
7 Years:
753.26 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is lower than historical averages.
Average Net Profit Annual Cr
1 Year:
180.58 Cr
3 Years:
146.64 Cr
5 Years:
110.47 Cr
7 Years:
86.62 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing slower than historical averages.
Average ROE Annual %
1 Year:
9.51 %
3 Years:
13.07 %
5 Years:
12.3 %
7 Years:
10.68 %
IndicatorTTMGraph
Total Revenue Annual Cr 0.0
Operating Expenses Annual Cr 0.0
Operating Profit Annual in Cr 0.0
Operating Profit Margin Annual %
Total Expenses Annual Cr
EBIDT Annual Cr 0.0
EBIDT margin Annual %
Other Income Annual Cr 0.0
Depreciation Cr 0.0
PAT Before ExtraOrdinary Items Annual Cr
Net Profit Annual Cr 0.0
Basic EPS Annual Rs
All values except ratios in INR(Crores)
IndicatorMar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Mar-2010Graph
Book Value Per Share Annual Rs 39.1 94.8 94.2 81.0 70.5 63.9 130.3 113.2 99.5
RoA Annual % 1.15% 1.52% 1.12% 1.24% 1.15% 0.93% 1.02% 1.6% 0.28%
ROE Annual % 9.51% 15.71% 13.98% 12.94% 9.34% 6.52% 6.76% 12.13% 1.77%
ROCE Annual % 10.42% 10.4% 1.64% 2.03% 1.63% 1.16% 1.17% 1.7% 0.3%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 6.1 7.5 8.7 6.8 5.1 4.6 4.8 6.1 4.9
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is lower than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
39.13 Rs
3 Years:
76.06 Rs
5 Years:
75.95 Rs
7 Years:
82.0 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing slower than historical averages.
Average RoA Annual %
1 Year:
1.15 %
3 Years:
1.26 %
5 Years:
1.24 %
7 Years:
1.16 %
IndicatorGraph
Book Value Per Share Annual Rs
RoA Annual %
ROE Annual %
ROCE Annual %
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual
All values except ratios in INR(Crores)
IndicatorMar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Mar-2010Graph
Total ShareHolders Funds Annual Cr 1,929.1 1,098.6 620.1 533.4 464.3 420.9 396.7 345.0 303.8
Minority Interest Liability Annual Cr
Total Non Current Liabilities Annual Cr 10,623.0 7,387.3 4,660.9 2,860.6 2,191.2 1,933.0 1,856.2 2,073.6 1,450.1
Total Current Liabilities Annual Cr 3,131.4 2,829.8 2,412.5 2,163.5 1,089.4 599.5 322.0 147.6 103.5
Total Capital Plus Liabilities Annual Cr 15,683.6 11,346.6 7,693.6 5,557.4 3,744.9 2,953.5 2,572.0 2,563.6 1,854.7
Fixed Assets Annual Cr 229.6 67.7 44.3 39.5 0.1 0.2 0.4 0.5 0.7
Total Non Current Assets Annual Cr 12,743.7 9,610.0 6,062.7 4,446.2 2,711.0 2,592.3 2,373.4 14.3 0.7
Total Current Assets Annual Cr 2,939.9 1,736.6 1,630.9 1,111.2 1,033.9 361.2 198.6 2,549.3 1,854.0
Total Assets Annual Cr 15,683.6 11,346.6 7,693.6 5,557.4 3,744.9 2,953.5 2,572.0 2,563.6 1,854.7
Contingent Liabilities plus Commitments Annual Cr 1.8 14.4 22.6 0.3 0.5 0.0 0.2 0.4 0.1
Bonus Equity Share Capital Annual Cr 32.9 32.9 32.9 32.9 32.9 32.9 0.0 0.0 0.0
Non Current Investments Unquoted BookValue Annual Cr 47.0 3.4 6.9 0.0 0.0 13.8 13.8 0.0 0.0
Current Investments Unquoted BookValue Annual Cr 0.1 4.4 73.5 0.0 32.0 0.0 25.0 0.0 0.0
Annual Long Term Debt To Equity Annual Analysis
Long Term Debt To Equity Annual growth is lower than historical averages.
Average Long Term Debt To Equity Annual
1 Year:
5.51
3 Years:
6.53
5 Years:
5.91
7 Years:
5.54
Annual Total Assets Annual Cr Analysis
Total Assets Annual Cr growth is stable compared to historical averages.
Average Total Assets Annual Cr
1 Year:
15,683.61 Cr
3 Years:
11,574.62 Cr
5 Years:
8,805.23 Cr
7 Years:
7,078.8 Cr
IndicatorGraph
Total ShareHolders Funds Annual Cr
Minority Interest Liability Annual Cr
Total Non Current Liabilities Annual Cr
Total Current Liabilities Annual Cr
Total Capital Plus Liabilities Annual Cr
Fixed Assets Annual Cr
Total Non Current Assets Annual Cr
Total Current Assets Annual Cr
Total Assets Annual Cr
Contingent Liabilities plus Commitments Annual Cr
Bonus Equity Share Capital Annual Cr
Non Current Investments Unquoted BookValue Annual Cr
Current Investments Unquoted BookValue Annual Cr
All values except ratios in INR(Crores)
IndicatorMar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Mar-2010Graph
Cash from Operating Activity Annual Cr -4,385.6 -3,296.3 433.4 -179.3 412.0 -1.7 69.0 -610.5 -1,593.6
Cash from Investing Activity Annual Cr 475.6 -355.1 -71.5 293.1 -281.7 23.4 -53.1 -38.3 -0.0
Cash from Financing Annual Activity Cr 3,716.6 3,226.7 0.0 0.0 0.0 -0.3 25.0 606.0 1,644.5
Net Cash Flow Annual Cr -193.5 -424.6 361.9 113.9 130.3 21.4 40.9 -42.8 50.8