Reliance Home Finance Ltd
NSE:RHFL
Income Statement
Earnings Waterfall
Reliance Home Finance Ltd
Income Statement
Reliance Home Finance Ltd
| Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||
| Interest Expense |
6 432
|
0
|
0
|
0
|
10 496
|
0
|
0
|
0
|
13 088
|
0
|
0
|
0
|
13 185
|
0
|
0
|
0
|
12 052
|
0
|
0
|
0
|
11 724
|
0
|
0
|
0
|
288
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Revenue |
10 786
N/A
|
12 306
+14%
|
13 806
+12%
|
15 266
+11%
|
16 228
+6%
|
16 438
+1%
|
16 948
+3%
|
18 018
+6%
|
19 860
+10%
|
21 150
+6%
|
19 970
-6%
|
19 160
-4%
|
15 874
-17%
|
12 982
-18%
|
12 029
-7%
|
9 438
-22%
|
8 033
-15%
|
6 889
-14%
|
5 130
-26%
|
4 146
-19%
|
2 907
-30%
|
2 548
-12%
|
2 574
+1%
|
3 226
+25%
|
3 822
+18%
|
2 887
-24%
|
2 166
-25%
|
759
-65%
|
6
-99%
|
7
+9%
|
5
-20%
|
4
-26%
|
2
-44%
|
|
| Operating Income | ||||||||||||||||||||||||||||||||||
| Operating Expenses |
(2 582)
|
(3 104)
|
(3 024)
|
(3 734)
|
(3 348)
|
(1 450)
|
(1 490)
|
(3 041)
|
(5 467)
|
(2 186)
|
(2 156)
|
(1 876)
|
(8 336)
|
(1 493)
|
(1 354)
|
(1 077)
|
(19 233)
|
(1 473)
|
(1 325)
|
(1 247)
|
(70 147)
|
(2 668)
|
(2 837)
|
(2 863)
|
(1 205)
|
(978)
|
(646)
|
(510)
|
(30)
|
(93)
|
(89)
|
(84)
|
(34)
|
|
| Selling, General & Administrative |
(2 006)
|
(1 047)
|
(1 167)
|
(1 227)
|
(3 234)
|
(1 210)
|
(1 200)
|
(1 310)
|
(5 297)
|
(1 188)
|
(1 088)
|
(888)
|
(8 113)
|
(575)
|
(459)
|
(338)
|
(19 135)
|
(341)
|
(320)
|
(306)
|
(68 007)
|
(151)
|
(135)
|
(121)
|
(1 185)
|
(101)
|
(69)
|
(33)
|
(27)
|
(23)
|
(17)
|
(13)
|
(2)
|
|
| Depreciation & Amortization |
(71)
|
(61)
|
(61)
|
(61)
|
(20)
|
(21)
|
(31)
|
(31)
|
(33)
|
(33)
|
(33)
|
(43)
|
(35)
|
(34)
|
(32)
|
(27)
|
(26)
|
(24)
|
(22)
|
(21)
|
(2 120)
|
(2 121)
|
(2 120)
|
(2 120)
|
(19)
|
(15)
|
(10)
|
(5)
|
0
|
0
|
0
|
0
|
0
|
|
| Other Operating Expenses |
(505)
|
(1 996)
|
(1 796)
|
(2 446)
|
(95)
|
(220)
|
(260)
|
(1 701)
|
(137)
|
(966)
|
(1 036)
|
(946)
|
(188)
|
(884)
|
(863)
|
(712)
|
(72)
|
(1 108)
|
(983)
|
(920)
|
(20)
|
(397)
|
(582)
|
(623)
|
(1)
|
(863)
|
(567)
|
(472)
|
(3)
|
(70)
|
(71)
|
(71)
|
(32)
|
|
| Operating Income |
8 204
N/A
|
9 202
+12%
|
10 782
+17%
|
11 532
+7%
|
12 880
+12%
|
14 987
+16%
|
15 457
+3%
|
14 976
-3%
|
14 394
-4%
|
18 964
+32%
|
17 814
-6%
|
17 284
-3%
|
7 538
-56%
|
11 489
+52%
|
10 675
-7%
|
8 361
-22%
|
(11 200)
N/A
|
5 417
N/A
|
3 805
-30%
|
2 899
-24%
|
(67 241)
N/A
|
(120)
+100%
|
(262)
-118%
|
362
N/A
|
2 617
+623%
|
1 908
-27%
|
1 520
-20%
|
249
-84%
|
(24)
N/A
|
(86)
-265%
|
(83)
+3%
|
(80)
+4%
|
(32)
+60%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||
| Interest Income Expense |
(6 093)
|
(8 365)
|
(9 215)
|
(10 095)
|
(9 908)
|
(11 003)
|
(11 283)
|
(12 113)
|
(12 954)
|
(14 202)
|
(14 392)
|
(14 192)
|
(13 126)
|
(12 611)
|
(12 558)
|
(12 253)
|
(11 697)
|
(11 840)
|
(11 509)
|
(11 762)
|
(11 709)
|
(11 632)
|
(11 609)
|
(11 016)
|
(229)
|
2 205
|
4 926
|
7 593
|
(14)
|
(18)
|
(21)
|
(22)
|
(9)
|
|
| Non-Reccuring Items |
0
|
0
|
(380)
|
0
|
(402)
|
(1 851)
|
(1 661)
|
0
|
(320)
|
(3 899)
|
(5 249)
|
(6 939)
|
0
|
(7 818)
|
(14 176)
|
(16 156)
|
0
|
(18 894)
|
(13 097)
|
(11 457)
|
0
|
(65 006)
|
(63 019)
|
(61 201)
|
87 743
|
88 031
|
88 144
|
88 357
|
3
|
0
|
212
|
213
|
282
|
|
| Gain/Loss on Disposition of Assets |
(2)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(6)
|
0
|
0
|
0
|
(1)
|
0
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Other Income |
(731)
|
711
|
821
|
901
|
(100)
|
586
|
446
|
296
|
(104)
|
136
|
106
|
176
|
(78)
|
123
|
237
|
154
|
(131)
|
376
|
252
|
246
|
(116)
|
18
|
67
|
66
|
7
|
91
|
31
|
31
|
0
|
0
|
66
|
69
|
(0)
|
|
| Pre-Tax Income |
1 378
N/A
|
1 548
+12%
|
2 008
+30%
|
2 338
+16%
|
2 469
+6%
|
2 719
+10%
|
2 959
+9%
|
3 159
+7%
|
1 016
-68%
|
999
-2%
|
(1 721)
N/A
|
(3 671)
-113%
|
(5 673)
-55%
|
(8 817)
-55%
|
(15 820)
-79%
|
(19 894)
-26%
|
(23 029)
-16%
|
(24 941)
-8%
|
(20 548)
+18%
|
(20 073)
+2%
|
(79 064)
-294%
|
(76 740)
+3%
|
(74 823)
+2%
|
(71 789)
+4%
|
90 138
N/A
|
92 235
+2%
|
94 621
+3%
|
96 229
+2%
|
(35)
N/A
|
(104)
-194%
|
175
N/A
|
180
+3%
|
241
+34%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||
| Tax Provision |
348
|
298
|
208
|
48
|
(796)
|
(906)
|
(966)
|
(1 016)
|
(342)
|
(318)
|
542
|
1 202
|
1 920
|
2 971
|
5 340
|
6 757
|
7 830
|
8 480
|
6 986
|
6 452
|
24 668
|
23 821
|
23 102
|
21 030
|
(35 952)
|
(36 586)
|
(37 333)
|
(36 475)
|
0
|
0
|
0
|
1
|
1
|
|
| Income from Continuing Operations |
1 726
|
1 846
|
2 216
|
2 386
|
1 673
|
1 813
|
1 993
|
2 143
|
674
|
681
|
(1 179)
|
(2 469)
|
(3 753)
|
(5 847)
|
(10 481)
|
(13 136)
|
(15 199)
|
(16 461)
|
(13 562)
|
(13 620)
|
(54 396)
|
(52 919)
|
(51 721)
|
(50 759)
|
54 186
|
55 649
|
57 288
|
59 755
|
(35)
|
(104)
|
175
|
181
|
242
|
|
| Net Income (Common) |
1 726
N/A
|
1 846
+7%
|
2 216
+20%
|
2 386
+8%
|
1 673
-30%
|
1 813
+8%
|
1 993
+10%
|
2 143
+8%
|
674
-69%
|
681
+1%
|
(1 180)
N/A
|
(2 470)
-109%
|
(3 753)
-52%
|
(5 847)
-56%
|
(10 481)
-79%
|
(13 136)
-25%
|
(15 199)
-16%
|
(16 461)
-8%
|
(13 562)
+18%
|
(13 620)
0%
|
(54 395)
-299%
|
(52 918)
+3%
|
(51 719)
+2%
|
(50 758)
+2%
|
54 186
N/A
|
55 649
+3%
|
57 288
+3%
|
59 755
+4%
|
(35)
N/A
|
(104)
-194%
|
175
N/A
|
181
+4%
|
242
+33%
|
|
| EPS (Diluted) |
3.56
N/A
|
15.57
+337%
|
8.82
-43%
|
5.01
-43%
|
5.16
+3%
|
3.77
-27%
|
4.11
+9%
|
4.52
+10%
|
1.39
-69%
|
1.4
+1%
|
-2.44
N/A
|
-5.02
-106%
|
-7.74
-54%
|
-12.06
-56%
|
-21.6
-79%
|
-27.07
-25%
|
-31.33
-16%
|
-33.95
-8%
|
-27.98
+18%
|
-28.1
0%
|
-112.14
-299%
|
-108.96
+3%
|
-106.49
+2%
|
-104.69
+2%
|
111.71
N/A
|
112.5
+1%
|
118.1
+5%
|
116.68
-1%
|
-0.07
N/A
|
-0.23
-229%
|
0.36
N/A
|
0.37
+3%
|
0.5
+35%
|
|