Repco Home Finance Ltd

Repco Home Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Repco Home Finance Ltd

₹ 433 1.88%
03 Jul - close price
repcohome.com BSE: 535322 NSE: REPCOHOME
About

Established in April 2000, Repco Home Finance Ltd. is a registered housing finance company. It is a subsidiary of the Repatriates Cooperative Finance and Development Bank Limited(Repco Bank).[1][2]

Key Points

Business Segments
Individual Home Loans: The Co. offers several products for the Construction/Purchase and Repair/Renovation of homes like Dream Home Loan, Plot loan, Super Loan, Repco Privilege, Home Makeover Loan, etc.
Loans Against Property(LAP): The Co. also offers loans against properties under products like Prosperity loan, New Horizon Loan, and Commercial Real Estate Loan. [1]

Website BSE NSE
  • Market Cap ₹ 2,711 Cr.
  • Current Price ₹ 433
  • High / Low ₹ 464 / 334
  • Stock P/E 5.99
  • Book Value ₹ 624
  • Dividend Yield 1.04 %
  • ROCE 10.3 %
  • ROE 12.5 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.69 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 5.47% over past five years.
  • Company has a low return on equity of 13.7% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE Financial Services BSE 1000

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
340 364 380 387 393 408 427 445 426 440 445 457 454
Interest 186 203 207 215 220 233 240 248 246 244 244 249 247
42 40 40 39 33 43 26 45 28 43 51 49 49
Financing Profit 113 122 132 133 140 132 161 152 152 154 150 159 158
Financing Margin % 33% 33% 35% 34% 36% 32% 38% 34% 36% 35% 34% 35% 35%
3 2 4 6 5 8 1 0 9 0 1 0 1
Depreciation 4 4 4 5 6 4 9 8 7 8 8 10 10
Profit before tax 112 120 132 134 139 137 153 144 154 146 142 149 148
Tax % 27% 26% 26% 26% 22% 23% 26% 26% 25% 26% 25% 27% 13%
82 89 98 99 108 105 113 107 115 108 107 109 129
EPS in Rs 13.12 14.24 15.68 15.89 17.27 16.85 17.98 17.03 18.37 17.26 17.09 17.39 20.64
Gross NPA % 5.80% 5.50% 4.93% 4.70% 4.10% 4.30% 4.00% 3.86% 3.26% 3.30% 3.16% 2.92% 2.55%
Net NPA % 3.00% 2.80% 2.16% 1.90% 1.50% 1.70% 1.60% 1.50% 1.31% 1.20% 1.50% 1.38% 1.17%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
693 882 1,046 1,109 1,191 1,348 1,376 1,292 1,285 1,538 1,720 1,796
Interest 431 548 646 649 720 825 807 690 701 846 966 984
72 99 116 151 110 153 182 344 182 152 143 191
Financing Profit 189 234 284 309 361 370 386 258 402 541 612 620
Financing Margin % 27% 27% 27% 28% 30% 27% 28% 20% 31% 35% 36% 35%
0 0 0 1 4 3 17 15 14 2 4 2
Depreciation 3 4 4 3 5 13 13 13 15 18 29 36
Profit before tax 186 230 280 307 360 360 390 260 401 525 587 586
Tax % 34% 35% 35% 35% 35% 22% 26% 26% 26% 25% 25% 23%
123 150 182 201 235 280 288 192 296 395 439 453
EPS in Rs 19.74 24.00 29.13 32.13 37.51 44.81 45.97 30.62 47.33 63.09 70.24 72.37
Dividend Payout % 8% 8% 7% 7% 7% 6% 5% 8% 6% 5% 6% 10%
Compounded Sales Growth
10 Years: 7%
5 Years: 5%
3 Years: 12%
TTM: 4%
Compounded Profit Growth
10 Years: 12%
5 Years: 10%
3 Years: 15%
TTM: 3%
Stock Price CAGR
10 Years: -6%
5 Years: 4%
3 Years: 10%
1 Year: 1%
Return on Equity
10 Years: 14%
5 Years: 13%
3 Years: 14%
Last Year: 13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 62 63 63 63 63 63 63 63 63 63 63 63
Reserves 750 892 1,075 1,246 1,465 1,724 1,997 2,173 2,454 2,831 3,251 3,842
Borrowing 5,104 6,538 7,560 8,134 9,349 10,109 10,197 9,692 9,924 10,701 11,139 12,206
159 270 345 288 81 99 108 70 83 112 150 198
Total Liabilities 6,076 7,763 9,043 9,731 10,957 11,995 12,365 11,997 12,523 13,707 14,602 16,308
9 9 9 14 16 37 31 35 40 58 78 100
CWIP 0 0 0 0 0 0 0 0 4 4 3 0
Investments 12 12 16 16 22 22 22 32 32 131 211 137
6,054 7,742 9,018 9,702 10,919 11,935 12,311 11,930 12,448 13,514 14,310 16,072
Total Assets 6,076 7,763 9,043 9,731 10,957 11,995 12,365 11,997 12,523 13,707 14,602 16,308

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1,193 -1,414 -1,001 -557 -1,015 349 849 691 -363 -685 -614 -896
-7 -7 -6 0 -11 -3 12 -163 160 -169 -6 59
1,195 1,424 1,009 562 1,058 -79 -730 -531 205 747 408 988
Net Cash Flow -5 3 2 5 32 267 131 -2 2 -106 -212 151
Free Cash Flow -1,200 -1,422 -1,005 -564 -1,022 342 847 680 -371 -708 -637 -922
CFO/OP -183% -172% -98% -47% -84% 37% 79% 84% -25% -40% -31% -49%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 16% 17% 17% 16% 17% 17% 15% 9% 12% 15% 14% 13%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Branch Network (Branches + SAT centres)
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Gross NPA %
%
Home Loan % of Loan Book
%
Loan Book / AUM
Rs Cr
Loan Disbursements
Rs Cr
Average Loan Ticket Size
Rs Mn
Number of Live Accounts
count
Stage 2 Assets % of Loan Book
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13%
13.41% 15.29% 13.78% 13.95% 14.04% 12.90% 12.52% 11.25% 11.16% 11.91% 12.68% 13.37%
19.55% 18.40% 19.09% 19.57% 18.79% 19.90% 20.56% 21.09% 23.26% 22.70% 23.74% 24.27%
29.91% 29.17% 29.98% 29.34% 30.02% 30.05% 29.77% 30.53% 28.46% 28.24% 26.44% 25.21%
No. of Shareholders 44,53043,10141,57142,93445,25754,14254,95157,15556,29857,02651,93251,135

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls