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

₹ 427 0.99%
18 Jun 10:44 a.m.
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 ₹ 2,671 Cr.
  • Current Price ₹ 427
  • High / Low ₹ 595 / 308
  • Stock P/E 6.07
  • Book Value ₹ 530
  • Dividend Yield 0.70 %
  • ROCE 11.1 %
  • ROE 14.2 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.80 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 4.56% over past five years.
  • Company has a low return on equity of 13.8% 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 SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
318 302 314 327 340 364 380 387 393 408 415 436 426
Interest 168 165 169 181 186 203 207 215 220 233 240 248 246
95 53 50 37 42 40 40 39 33 43 26 45 28
Financing Profit 56 84 95 109 113 122 132 133 140 132 149 143 152
Financing Margin % 17% 28% 30% 33% 33% 33% 35% 34% 36% 32% 36% 33% 36%
6 5 3 4 3 2 4 6 5 8 13 9 9
Depreciation 3 4 3 4 4 4 4 5 6 4 9 8 7
Profit before tax 58 84 95 109 112 120 132 134 139 137 153 144 154
Tax % 28% 26% 25% 26% 27% 26% 26% 26% 22% 23% 26% 26% 25%
42 62 71 81 82 89 98 99 108 105 113 107 115
EPS in Rs 6.72 9.92 11.37 12.91 13.12 14.24 15.68 15.89 17.27 16.85 17.98 17.03 18.37
Gross NPA % 7.00% 6.40% 6.50% 6.20% 5.80% 5.50% 4.93% 4.70% 4.10% 4.30% 4.00% 3.86% 3.26%
Net NPA % 4.90% 4.20% 3.80% 3.45% 3.00% 2.80% 2.16% 1.90% 1.50% 1.70% 1.60% 1.50% 1.30%
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
535 693 882 1,046 1,109 1,191 1,348 1,376 1,292 1,285 1,528 1,685
Interest 325 431 548 646 649 720 825 807 690 701 846 966
59 72 99 116 151 110 153 182 344 182 152 143
Financing Profit 152 189 234 284 309 361 370 386 258 402 530 577
Financing Margin % 28% 27% 27% 27% 28% 30% 27% 28% 20% 31% 35% 34%
0 0 0 0 1 4 3 17 15 14 13 39
Depreciation 2 3 4 4 3 5 13 13 13 15 18 29
Profit before tax 149 186 230 280 307 360 360 390 260 401 525 587
Tax % 26% 34% 35% 35% 35% 35% 22% 26% 26% 26% 25% 25%
110 123 150 182 201 235 280 288 192 296 395 439
EPS in Rs 17.71 19.74 24.00 29.13 32.13 37.51 44.81 45.97 30.62 47.33 63.09 70.24
Dividend Payout % 7% 8% 8% 7% 7% 7% 6% 5% 8% 6% 5% 6%
Compounded Sales Growth
10 Years: 9%
5 Years: 5%
3 Years: 9%
TTM: 10%
Compounded Profit Growth
10 Years: 14%
5 Years: 9%
3 Years: 32%
TTM: 11%
Stock Price CAGR
10 Years: -4%
5 Years: 27%
3 Years: 52%
1 Year: -19%
Return on Equity
10 Years: 14%
5 Years: 13%
3 Years: 14%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 62 62 63 63 63 63 63 63 63 63 63 63
Reserves 676 750 892 1,075 1,246 1,465 1,724 1,997 2,173 2,454 2,831 3,251
Borrowing 3,902 5,104 6,538 7,560 8,134 9,349 10,109 10,197 9,692 9,924 10,701 11,139
96 159 270 345 288 81 99 108 70 83 110 150
Total Liabilities 4,736 6,076 7,763 9,043 9,731 10,957 11,995 12,365 11,997 12,523 13,705 14,602
5 9 9 9 14 16 37 31 35 40 58 81
CWIP 0 0 0 0 0 0 0 0 0 4 4 0
Investments 12 12 12 16 16 22 22 22 32 32 32 211
4,719 6,054 7,742 9,018 9,702 10,919 11,935 12,311 11,930 12,448 13,612 14,310
Total Assets 4,736 6,076 7,763 9,043 9,731 10,957 11,995 12,365 11,997 12,523 13,705 14,602

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1,011 -1,193 -1,414 -1,001 -557 -1,015 349 849 691 -363 -685 -614
-6 -7 -7 -6 0 -11 -3 12 -163 160 -109 -6
829 1,195 1,424 1,009 562 1,058 -79 -730 -531 205 747 408
Net Cash Flow -188 -5 3 2 5 32 267 131 -2 2 -46 -212

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 16% 16% 17% 17% 16% 17% 17% 15% 9% 12% 15% 14%

Shareholding Pattern

Numbers in percentages

1 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13%
16.31% 18.84% 16.64% 14.55% 13.41% 15.29% 13.78% 13.95% 14.04% 12.90% 12.52% 11.25%
16.64% 16.86% 16.96% 18.03% 19.55% 18.40% 19.09% 19.57% 18.79% 19.90% 20.56% 21.09%
29.91% 27.15% 29.26% 30.28% 29.91% 29.17% 29.98% 29.34% 30.02% 30.05% 29.77% 30.53%
No. of Shareholders 47,24348,70947,49148,17444,53043,10141,57142,93445,25754,14254,95157,155

* 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

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