Reliance Home Finance (NSE:RHFL) EBIT: ₹-41.23 Mil (TTM As of Mar. 2025)


NSE:RHFL Reliance Home Finance Ltd NSE:RHFL
18 GF Score
Price ₹2.18
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What is Reliance Home Finance EBIT?

Reliance Home Finance NSE:RHFL -0.46% 18 EBIT is ₹-41.23 Mil as of Mar. 2025. GuruFocus rates NSE:RHFL with a GF Score™ of 18/100.

Reliance Home Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2025 was ₹-6.88 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2025 was ₹-41.23 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Reliance Home Finance's annualized ROC % for the quarter that ended in Mar. 2025 was -316.88%. Reliance Home Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2025 was -12,398.20%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Reliance Home Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2025 was -2.85%.


Reliance Home Finance  (NSE:RHFL) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Reliance Home Finance's annualized ROC % for the quarter that ended in Mar. 2025 is calculated as:

ROC % (Q: Mar. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2024 ) + Invested Capital (Q: Mar. 2025 ))/ count )
=-27.524 * ( 1 - 0% )/( (0 + 8.686)/ 1 )
=-27.524/8.686
=-316.88 %

where

Note: The Operating Income data used here is four times the quarterly (Mar. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Reliance Home Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2024  Q: Mar. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-27.524/( ( (0 + max(0, 0)) + (0 + max(0.222, 0)) )/ 1 )
=-27.524/( ( 0 + 0.222 )/ 1 )
=-27.524/0.222
=-12,398.20 %

where Working Capital is:

Working Capital(Q: Dec. 2024 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0.222) - (0 + 0 + 0)
=0.222

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Reliance Home Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2025 )
=-41.23/1448.193
=-2.85 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Reliance Home Finance EBIT Related Terms


Reliance Home Finance EBIT Historical Data

* Premium members only.

The historical data trend for Reliance Home Finance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Reliance Home Finance EBIT Chart

Reliance Home Finance Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only -22,820.50 -79,039.20 2,303.00 -38.09 -41.23

Reliance Home Finance Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -67.52 -4.37 -6.72 -23.26 -6.88

NSE:RHFL vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, Reliance Home Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Reliance Home Finance EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, Reliance Home Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Reliance Home Finance's EV-to-EBIT falls into.


NSE:RHFL
18GF Score
Reliance Home Finance Ltd NSE:RHFL
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Reliance Home Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-41.23 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹-41.23 Mil mean?
Reliance Home Finance (NSE:RHFL) has a EBIT of ₹-41.23 Mil as of Mar. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Reliance Home Finance.
Is Reliance Home Finance's EBIT too high?
Reliance Home Finance's current EBIT is ₹-41.23 Mil. Overall, Reliance Home Finance has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Reliance Home Finance's EBIT compare to RKT and FNMA?
Reliance Home Finance's EBIT of ₹-41.23 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Reliance Home Finance. Reliance Home Finance's current EBIT is ₹-41.23 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Reliance Home Finance stock overvalued right now?
Reliance Home Finance (NSE:RHFL) has a current EBIT of ₹-41.23 Mil. The current EBIT is ₹-41.23 Mil. Reliance Home Finance's overall GF Score™ is 18/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Reliance Home Finance (NSE:RHFL), the current EBIT is ₹-41.23 Mil as of Mar. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Reliance Home Finance Business Description

Address 7th Floor, B Wing, Senapati Bapat Marg, Trade World, Kamala Mills Compound, Lower Parel (West, Mumbai, MH, IND, 400 013
Reliance Home Finance Ltd is an India-based company engaged in the housing finance business. It provides a range of housing finance solutions such as home loans, affordable housing loans, loan against property, and construction finance. It also provides property solutions services. The company derives key revenue from the interest received from housing and other loans. The business operations of the company are carried out in India.
18GF Score

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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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