Reliance Home Finance Intrinsic Value
Reliance Home Finance (RHFL) median intrinsic value is ₹4.00 from 6 valuation models (range ₹1–₹10), vs current price ₹4.15 — -3.6% downside (Trading Near Calculated Value), margin of safety -3.8%. For current market price and key ratios, visit Reliance Home Finance share price today.
RHFL Valuation Methods Summary — DCF, Graham Number & P/E
Reliance Home Finance intrinsic value across 6 models vs current price ₹4.15 — upside/downside and value range per method. Browse Reliance Home Finance financial data for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹6.00 | ₹4.80 - ₹7.20 | +44.6% | EPS: ₹0.50, Sector P/E: 12x |
| Revenue Multiple Method | revenue | ₹1.25 | ₹1.12 - ₹1.38 | -69.9% | Revenue/Share: ₹0.60, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2.58 | ₹2.32 - ₹2.84 | -37.8% | EBITDA: ₹25.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹10.38 | ₹8.30 - ₹12.46 | +150.1% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹3.20 | ₹2.88 - ₹3.52 | -22.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹4.00 | ₹3.60 - ₹4.40 | -3.6% | Revenue Growth: -30.0%, Adj P/E: 8.0x |
RHFL Intrinsic Value vs Market Price — All Valuation Models
Reliance Home Finance fair value range ₹1–₹10 vs current market price ₹4.15 across 6 valuation models. Compare with Reliance Home Finance valuation methods to assess whether the stock is under or overvalued.
RHFL Intrinsic Value Analysis — Undervalued or Overvalued?
Reliance Home Finance median intrinsic value ₹4.00, current price ₹4.15 — Trading Near Calculated Value by 3.6%, margin of safety -3.8%.
What is the intrinsic value of RHFL?
Based on our comprehensive analysis using 6 different valuation methods, the estimated intrinsic value of Reliance Home Finance (RHFL) is ₹4.00 (median value). With the current market price of ₹4.15, this represents a -3.6% variance from our estimated fair value.
The valuation range spans from ₹1.25 to ₹10.38, indicating ₹1.25 - ₹10.38.
Is RHFL undervalued or overvalued?
Based on our multi-method analysis, Reliance Home Finance (RHFL) appears to be trading near calculated value by approximately 3.6%.
RHFL Financial Health — Key Ratios vs Industry Benchmarks
Reliance Home Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.40 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -32.4% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | -3275.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.83x | Industry Standard: 1.0x+ | Above 0.5x | Measures asset utilization efficiency |
RHFL Cash Flow Quality — Operating & Free Cash Flow
Reliance Home Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2023 | ₹4,103 Cr | ₹4,051 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-597 Cr | ₹-597 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹3,068 Cr | ₹2,288 Cr | Positive Free Cash Flow | 8/10 |
| March 2020 | ₹4,713 Cr | ₹4,285 Cr | Positive Free Cash Flow | 8/10 |
| March 2019 | ₹-1,189 Cr | ₹-1,217 Cr | Negative Cash Flow | 3/10 |