Reliance Home Finance Ltd Falls to 52-Week Low of Rs.2.18

Stock Price Movement and Market Context

On 25 Feb 2026, Reliance Home Finance Ltd’s share price reached Rs.2.18, the lowest level recorded in the past year. This represents a sharp fall from its 52-week high of Rs.7.84, indicating a depreciation of approximately 72.2% over the period. The stock underperformed its sector by 1.05% on the day, trading below all key moving averages including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained bearish momentum.

In contrast, the Sensex index continued its upward trajectory, closing at 82,874.86 points, up 0.79% and approaching its own 52-week high of 86,159.02. This divergence highlights the stock’s relative weakness amid a generally positive market environment, with mega-cap stocks leading gains.

Financial Performance and Fundamental Assessment

Reliance Home Finance Ltd’s financial metrics reveal challenges that have contributed to the stock’s decline. The company has not declared financial results for the past six months, which has raised concerns regarding transparency and operational visibility. Over the last year, net sales have contracted at an annualised rate of -83.08%, while operating profit has deteriorated by -207.23%, underscoring significant pressure on core business performance.

Despite these setbacks, the company reported a positive PAT of Rs.3.03 crores for the nine-month period, reflecting a 168% increase in profits compared to previous periods. However, this improvement has not translated into positive market sentiment or stock price recovery.

Relative Performance and Risk Profile

Over the past year, Reliance Home Finance Ltd has generated a negative return of -29.19%, significantly lagging behind the Sensex’s positive 11.11% gain. The stock has consistently underperformed the BSE500 index across the last three annual periods, indicating a persistent trend of relative weakness.

The company’s Mojo Score stands at 17.0 with a Mojo Grade of Strong Sell, upgraded from Sell on 23 Oct 2025. This reflects a deteriorated long-term fundamental strength and heightened risk profile. The market cap grade is rated 4, suggesting limited market capitalisation support relative to peers.

Additionally, the stock is considered risky when compared to its historical average valuations, further contributing to cautious market sentiment.

Sector and Industry Considerations

As a housing finance company, Reliance Home Finance Ltd operates in a sector that has seen mixed performance amid fluctuating interest rates and regulatory changes. While the broader housing finance sector has shown resilience, Reliance Home Finance’s stock has not mirrored this trend, reflecting company-specific challenges rather than sector-wide issues.

The company’s inability to maintain consistent financial disclosures over the recent six-month period has likely exacerbated concerns among market participants, especially given the sector’s competitive dynamics.

Technical Indicators and Market Sentiment

Technical analysis of Reliance Home Finance Ltd’s stock reveals a bearish outlook, with the share price trading below all major moving averages. This indicates sustained downward pressure and a lack of short-term momentum. The absence of upward movement above the 5-day and 20-day moving averages suggests limited buying interest in recent sessions.

Meanwhile, the broader market’s positive performance, led by mega-cap stocks, contrasts with the stock’s subdued trading, highlighting its relative weakness within the housing finance sector.

Summary of Key Metrics

To summarise, Reliance Home Finance Ltd’s stock performance and financial indicators as of 25 Feb 2026 are as follows:

• New 52-week low price: Rs.2.18
• 52-week high price: Rs.7.84
• One-year stock return: -29.19%
• Sensex one-year return: +11.11%
• Mojo Score: 17.0 (Strong Sell)
• Mojo Grade change: Upgraded from Sell to Strong Sell on 23 Oct 2025
• Market Cap Grade: 4
• Net sales annual growth rate: -83.08%
• Operating profit annual growth rate: -207.23%
• PAT (9 months): Rs.3.03 crores (168% increase)

The combination of weak sales growth, negative operating profit trends, and a lack of recent financial disclosures has contributed to the stock’s decline to its 52-week low. Despite a modest improvement in profit after tax, the overall financial profile remains subdued.

Conclusion

Reliance Home Finance Ltd’s fall to a 52-week low of Rs.2.18 underscores ongoing challenges faced by the company in maintaining market confidence and financial stability. The stock’s underperformance relative to the Sensex and its sector peers, coupled with deteriorated fundamental metrics and technical weakness, reflects a cautious outlook. While the broader market continues to advance, Reliance Home Finance Ltd remains under pressure, as evidenced by its strong sell rating and subdued trading patterns.

Only Rs. 9,999 - Get MojoOne for 1 Year + 3 Months FREE (60% Off) Start Today