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INDICATIVE · SAMPLE DATA
RLIC54

Reliance Home Finance Ltd

Consumer LendingVerified

Reliance Home Finance Ltd has a liquidity position that could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's valuation snapshot does not provide sufficient data to evaluate its liquidity risk or capital structure. The company's profitability is indicated by its operating income and net income, both of which are reported at 64,300,000.0 INR. However, without industry-specific metrics or cohort medians, it is not possible to assess how these figures compare to industry benchmarks. Reliance Home Finance Ltd's revenue is concentrated in its home loan and consumer finance services, with no disclosed geographic diversification or segment breakdown provided in the available data. This lack of segmentation makes it difficult to evaluate the company's exposure to regional or product-specific risks. The company's growth trajectory is not quantifiable due to the absence of historical revenue data or outlook projections. The current financial snapshot does not include forward-looking guidance or revenue history to assess growth potential. The risk assessment indicates a low dilution potential, with no immediate threat to shareholder equity from new share issuances or other dilutive events. However, the lack of liquidity data and the absence of balance-sheet inputs limit the ability to fully evaluate the company's financial risk profile. Recent events and filings have not been disclosed in the available data, making it impossible to assess the company's recent performance or strategic direction based on public disclosures.

30-day price · RLIC-0.10 (-4.3%)
Low$1.82High$2.38Close$2.23As of17 May, 00:00 UTC
Profile
CompanyReliance Home Finance Ltd
TickerRLIC.NS
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryConsumer Lending
AI analysis

Business. Reliance Home Finance Ltd provides home loan and consumer finance services in India, generating revenue primarily through interest income and fees on loan products.

Classification. Reliance Home Finance Ltd is classified under the Financials economic sector, Banking & Investment Services business sector, and Consumer Lending industry with a confidence level of 0.92.

Reliance Home Finance Ltd has a liquidity position that could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's valuation snapshot does not provide sufficient data to evaluate its liquidity risk or capital structure. The company's profitability is indicated by its operating income and net income, both of which are reported at 64,300,000.0 INR. However, without industry-specific metrics or cohort medians, it is not possible to assess how these figures compare to industry benchmarks. Reliance Home Finance Ltd's revenue is concentrated in its home loan and consumer finance services, with no disclosed geographic diversification or segment breakdown provided in the available data. This lack of segmentation makes it difficult to evaluate the company's exposure to regional or product-specific risks. The company's growth trajectory is not quantifiable due to the absence of historical revenue data or outlook projections. The current financial snapshot does not include forward-looking guidance or revenue history to assess growth potential. The risk assessment indicates a low dilution potential, with no immediate threat to shareholder equity from new share issuances or other dilutive events. However, the lack of liquidity data and the absence of balance-sheet inputs limit the ability to fully evaluate the company's financial risk profile. Recent events and filings have not been disclosed in the available data, making it impossible to assess the company's recent performance or strategic direction based on public disclosures.
Key takeaways
  • Reliance Home Finance Ltd operates in the consumer lending segment of the financial services industry.
  • The company's profitability is evident from its operating and net income figures, but industry comparisons are not available.
  • Revenue concentration in home loan and consumer finance services suggests a lack of diversification.
  • Growth trajectory and historical performance cannot be assessed due to missing data.
  • Dilution risk is low, but liquidity risk remains unassessable due to incomplete financial data.
  • --
  • ## RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyINR
Revenue$1.2M
Gross profit
Operating income$64.3M
Net income$64.3M
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY-4$8.03B-$11.20B-$15.20B-$15.18B
FY-3$2.91B-$67.24B-$54.40B-$52.27B
FY-2$3.82B$90.36B$54.19B$54.20B
FY-1$6.2M-$21.0M-$35.5M-$35.5M
FY0$2.2M$250.1M$241.7M$241.7M
PeriodGross %Op %Net %FCF %
FY-4
FY-3
FY-2
FY-1
FY0
PeriodAssetsEquityCashDebt
FY-4$148.98B-$529.6M$8.03B
FY-3$101.44B-$54.92B$25.74B
FY-2$348.5M-$738.3M$0.00
FY-1$298.2M-$771.8M$4.6M
FY0$15.8M-$530.1M$5.0M
PeriodOCFCapExFCFSBC
FY-4$30.68B-$7.2M-$15.18B
FY-3-$5.97B-$4.5M-$52.27B
FY-2$38.95B-$2.3M$54.20B
FY-1-$217.9M$0.00-$35.5M
FY0$89.9M$241.7M
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ-7$1.2M$64.3M$64.3M
FQ-6$1.6M-$6.7M-$6.7M
FQ-5$1.6M-$25.6M-$25.6M
FQ-4$1.8M-$53.0M-$67.5M
FQ-3$1.8M-$927.0k-$4.4M
FQ-2$233.0k$208.6M$272.2M
FQ-1$203.0k-$21.7M-$19.2M
FQ0$19.0k-$5.3M-$6.9M
PeriodGross %Op %Net %FCF %
FQ-7
FQ-6
FQ-5
FQ-4
FQ-3
FQ-2
FQ-1
FQ0
PeriodAssetsEquityCashDebt
FQ-7
FQ-6$324.1M-$679.0M$7.2M
FQ-5
FQ-4$298.2M-$771.8M$4.6M
FQ-3
FQ-2$29.4M-$504.0M$4.6M
FQ-1
FQ0$15.8M-$530.1M$5.0M
PeriodOCFCapExFCFSBC
FQ-7
FQ-6-$166.6M$0.00
FQ-5
FQ-4-$217.9M$0.00
FQ-3
FQ-2$95.6M
FQ-1
FQ0$89.9M
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banking · cohort 265 companies
MetricRLICActivity
Op margin5358.3%29.4% medp25 11.0% · p75 55.5%top quartile
Net margin5358.3%14.7% medp25 3.8% · p75 30.9%top quartile
Gross margin63.7% medp25 42.1% · p75 95.0%
CapEx / revenue-1.4% medp25 -3.9% · p75 -0.4%
Debt / equity121.9% medp25 14.0% · p75 332.1%
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-05 00:12 UTC#bc659af2
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 05:27 UTCJob: d6d26369