Reliance Home Finance Share Price Analysis and Valuation

The share price of Reliance Home Finance has been on a steady rise over the years, with a significant surge in 2020.

As of the latest data available, the company's market capitalization is around ₹3,500 crores.

The share price has consistently been above ₹100, with a 52-week high of ₹144.

Reliance Home Finance has a strong presence in the housing finance sector, with a loan book of over ₹15,000 crores.

Reliance Home Finance's financials have been impressive, with a net interest income of ₹3,432.5 crore in FY 2020.

The company's net worth has been steadily increasing, from ₹4,354.8 crore in FY 2019 to ₹6,111.7 crore in FY 2020.

Reliance Home Finance's asset quality has been a major concern, with a gross non-performing asset (NPA) ratio of 4.95% in FY 2020.

The company's net interest margin (NIM) has been a key driver of its profitability, standing at 9.65% in FY 2020.

Reliance Home Finance's cost to income ratio has been a challenge, standing at 61.42% in FY 2020.

The company's return on assets (ROA) has been a respectable 1.42% in FY 2020.

Reliance Home Finance's return on equity (ROE) has been a healthy 14.41% in FY 2020.

The company's capital adequacy ratio has been well above the regulatory requirement, standing at 22.52% in FY 2020.

Reliance Home Finance's shareholding pattern shows a consistent trend in ownership distribution. The company's promoters hold a significant 0.74% stake in the company as of September 30, 2024, with no change from the previous quarter.

The company has a relatively low institutional holding, with Foreign Institutional Investors (FII) and Mutual Funds holding 0.00% and 0.00% of the shares, respectively. Domestic Institutional Investors (DII) hold a significant 1.55% of the shares.

The majority of the shares, 97.71%, are held by others, with no significant change from the previous quarter. This suggests that the company's ownership is largely concentrated among individual investors.

In the world of shareholding and valuation, understanding how your investment stacks up against its peers is crucial. Reliance Home Fin's peers, such as Aptus Value Housing and Aavas Financiers, have varying levels of performance.

Aptus Value Housing has a 1-year stock performance of -9.67%, while Aavas Financiers has a 1-year performance of 8.07%. These numbers can give you an idea of how well each company is doing compared to the others.

Here's a comparison of some key ratios for these companies:

These ratios provide a snapshot of each company's financial health and efficiency.

Finance Shareholding Pattern is a crucial aspect of a company's valuation. It shows who owns the company and how much they own.

Promoters hold a significant 0.74% stake in Reliance Home Fin as of 30 Sep 2024, with the same percentage held since 31 Dec 2023.

Pledge shares, on the other hand, account for 0.00% of the company's shares, and this percentage has remained the same since 30 Jun 2024.

Foreign Institutional Investors (FII) have a negligible 0.00% stake in Reliance Home Fin as of 30 Sep 2024, down from 0.39% in 31 Dec 2023.

Domestic Institutional Investors (DII) hold a substantial 1.55% of the company's shares, with no change in percentage since 30 Jun 2024.

Mutual Funds own a negligible 0.00% of Reliance Home Fin shares as of 30 Sep 2024, with no change since 31 Dec 2023.

Others hold a massive 97.71% of the company's shares, with no change in percentage since 30 Jun 2024.

Here's a breakdown of the shareholding pattern as of 30 Sep 2024:

Analyzing a company's valuation history can be a valuable tool for investors.

Reliance Home Finance Ltd has a stock that's trading at its lowest valuation over the past 5 years.

Historical valuations for RHFL are limited due to insufficient data or other constraints.

This means we can't compare its current stock price to past averages to gauge its true investment potential.

Investors should be aware of these limitations when making decisions about RHFL.

Reliance Home Finance is a subsidiary of Reliance Capital, a leading financial services company in India.

The company was established in 2006 to provide home loans to individuals and families.

Reliance Home Finance has a strong presence in the Indian housing finance market, with a network of branches across the country.

The company offers a range of home loan products, including fixed rate loans and floating rate loans.

Reliance Home Finance has a team of experienced professionals who provide personalized service to customers.

The company has a strong focus on customer satisfaction, with a customer retention rate of over 90%.