Rhfl.Ns
RHFL.NS operates in the consumer lending segment of the banking industry, providing financial services to individual and corporate clients, primarily generating revenue through interest income and fee-based services.
Business. RHFL.NS operates in the consumer lending segment of the banking industry, providing financial services to individual and corporate clients, primarily generating revenue through interest income and fee-based services.
Analyst recommendations
8 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
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Upcoming catalysts
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
RHFL.NS operates in the consumer lending segment of the banking industry, providing financial services to individual and corporate clients, primarily generating revenue through interest income and fee-based services.
RHFL.NS has a debt-to-equity ratio of 3.26, indicating a capital structure that is heavily leveraged, with liabilities significantly exceeding equity. The company's liquidity position is assessed as medium, with negative net cash after subtracting total debt, suggesting potential short-term liquidity constraints. Free cash flow stands at 4.22 billion INR, which may support operational flexibility but is insufficient to cover the company's long-term debt of 111.77 billion INR.
Profitability metrics show a return on equity (ROE) of 13.47% and a return on assets (ROA) of 3.14%, which are key indicators of the company's efficiency in generating returns for shareholders and asset utilization, respectively. These figures should be compared against the industry median to assess relative performance, though the company's ROE is generally considered strong for a financial institution.
The company's revenue is concentrated in the consumer lending segment, with no disclosed geographic diversification in the provided data. This suggests a potential concentration risk, as the company's performance is closely tied to the health of the consumer lending market. No specific geographic breakdown is available to determine regional exposure or diversification.
RHFL.NS reported revenue of 16.85 billion INR in the latest period, with a gross profit of 7.22 billion INR and net income of 4.61 billion INR. Analysts have provided a mean price target of 502.14 INR, with a median of 500.00 INR, indicating a generally positive outlook despite the absence of strong-buy recommendations. The company's growth trajectory is expected to be influenced by macroeconomic conditions and regulatory changes in the financial sector.
The risk assessment highlights liquidity as a medium concern, with the company's operating cash flow at -6.14 billion INR and a negative net cash position after debt. Dilution risk is assessed as low, with no significant dilution potential identified in the basic shares outstanding. However, the company's high leverage and negative operating cash flow could pose challenges in maintaining financial stability.
Recent events and filings have not been disclosed in the provided data, so no specific recent developments can be cited. The company's performance and strategic direction will likely be influenced by broader economic trends and regulatory developments in the financial sector.
- RHFL.NS has a high debt-to-equity ratio of 3.26, indicating a capital structure that is heavily leveraged.
- The company's ROE of 13.47% is strong for a financial institution, suggesting efficient use of equity to generate returns.
- RHFL.NS has a negative net cash position after subtracting total debt, indicating potential liquidity constraints.
- Analysts have provided a generally positive outlook with a mean price target of 502.14 INR.
- The company's revenue is concentrated in the consumer lending segment, with no disclosed geographic diversification.
- The risk assessment highlights liquidity as a medium concern, with the company's operating cash flow at -6.14 billion INR.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 69,91 |
| Revenue | —no estimate | —no estimate | 8,1B INR |
| Operating income | —no estimate | —no estimate | 5,7B INR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
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