Reliance Home Finance Limited
Reliance Home Finance Limited Fundamental Analysis
Reliance Home Finance Limited (RELHOME.BO) shows weak financial fundamentals with a PE ratio of 12.44, profit margin of -35.66%, and ROE of -38.12%. The company generates $-0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -3363.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze RELHOME.BO's fundamental strength across five key dimensions:
Efficiency Score
ExcellentRELHOME.BO demonstrates superior asset utilization.
Valuation Score
ExcellentRELHOME.BO trades at attractive valuation levels.
Growth Score
WeakRELHOME.BO faces weak or negative growth trends.
Financial Health Score
ModerateRELHOME.BO shows balanced financial health with some risks.
Profitability Score
WeakRELHOME.BO struggles to sustain strong margins.
Key Financial Metrics
Is RELHOME.BO Expensive or Cheap?
P/E Ratio
RELHOME.BO trades at 12.44 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RELHOME.BO's PEG of 0.12 indicates potential undervaluation.
Price to Book
The market values Reliance Home Finance Limited at -5.67 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does RELHOME.BO Make Money?
Net Profit Margin
For every $100 in sales, Reliance Home Finance Limited keeps $-35.66 as profit after all expenses.
Operating Margin
Core operations generate 1.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-38.12 in profit for every $100 of shareholder equity.
ROA
Reliance Home Finance Limited generates $15.28 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Reliance Home Finance Limited generates limited operating cash flow of $90.20M, signaling weaker underlying cash strength.
Free Cash Flow
Reliance Home Finance Limited generates weak or negative free cash flow of $90.20M, restricting financial flexibility.
FCF Per Share
Each share generates $0.19 in free cash annually.
FCF Yield
RELHOME.BO converts 2.98% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.44
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
-5.67
vs 25 benchmark
P/S Ratio
Price to sales ratio
-445.13
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
-0.17
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.38
vs 25 benchmark
ROA
Return on assets percentage
15.28
vs 25 benchmark
ROCE
Return on capital employed
-0.58
vs 25 benchmark
How RELHOME.BO Stacks Against Its Sector Peers
| Metric | RELHOME.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.44 | 19.09 | Better (Cheaper) |
| ROE | -38.12% | 843.00% | Weak |
| Net Margin | -3566.45% | 3730.00% | Weak |
| Debt/Equity | -0.17 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 661.68 | Weak Liquidity |
| ROA | 1528.12% | -21651.00% (disorted) | Strong |
RELHOME.BO outperforms its industry in 3 out of 6 key metrics, particularly excelling in ROA, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Reliance Home Finance Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical