Repco Home Finance Ltd
- Market Cap ₹ 2,499 Cr.
- Current Price ₹ 399
- High / Low ₹ 493 / 177
- Stock P/E 6.78
- Book Value ₹ 429
- Dividend Yield 0.67 %
- ROCE 9.04 %
- ROE 12.5 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.94 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 2.99% over past five years.
- Company has a low return on equity of 12.0% over last 3 years.
- Company might be capitalizing the interest cost
- Dividend payout has been low at 6.44% of profits 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
Sector: Finance Industry: Finance - Housing
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 319 | 406 | 535 | 693 | 882 | 1,046 | 1,109 | 1,191 | 1,348 | 1,376 | 1,292 | 1,285 | 1,472 |
Interest | 202 | 266 | 325 | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 811 |
33 | 32 | 59 | 72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 162 | |
Financing Profit | 83 | 108 | 152 | 189 | 234 | 284 | 309 | 361 | 370 | 386 | 258 | 402 | 500 |
Financing Margin % | 26% | 27% | 28% | 27% | 27% | 27% | 28% | 30% | 27% | 28% | 20% | 31% | 34% |
0 | 0 | 0 | 0 | 0 | 0 | 1 | 4 | 3 | 17 | 15 | 14 | 15 | |
Depreciation | 2 | 2 | 2 | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 16 |
Profit before tax | 82 | 107 | 149 | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 498 |
Tax % | 25% | 25% | 26% | 34% | 35% | 35% | 35% | 35% | 22% | 26% | 26% | 26% | |
61 | 80 | 110 | 123 | 150 | 182 | 201 | 235 | 280 | 288 | 192 | 296 | 369 | |
EPS in Rs | 13.23 | 12.87 | 17.71 | 19.74 | 24.00 | 29.13 | 32.13 | 37.51 | 44.81 | 45.97 | 30.62 | 47.33 | 58.93 |
Dividend Payout % | 8% | 9% | 7% | 8% | 8% | 7% | 7% | 7% | 6% | 5% | 8% | 6% |
Compounded Sales Growth | |
---|---|
10 Years: | 12% |
5 Years: | 3% |
3 Years: | -2% |
TTM: | 17% |
Compounded Profit Growth | |
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10 Years: | 14% |
5 Years: | 8% |
3 Years: | 2% |
TTM: | 44% |
Stock Price CAGR | |
---|---|
10 Years: | 2% |
5 Years: | -3% |
3 Years: | 7% |
1 Year: | 122% |
Return on Equity | |
---|---|
10 Years: | 15% |
5 Years: | 14% |
3 Years: | 12% |
Last Year: | 12% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 46 | 62 | 62 | 62 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 |
Reserves | 257 | 572 | 676 | 750 | 892 | 1,075 | 1,246 | 1,465 | 1,724 | 1,997 | 2,173 | 2,454 | 2,624 |
2,486 | 3,065 | 3,902 | 5,104 | 6,538 | 7,560 | 8,134 | 9,349 | 10,109 | 10,197 | 9,692 | 9,924 | 10,049 | |
63 | 93 | 96 | 159 | 270 | 345 | 288 | 81 | 99 | 108 | 70 | 83 | 116 | |
Total Liabilities | 2,853 | 3,792 | 4,736 | 6,076 | 7,763 | 9,043 | 9,731 | 10,957 | 11,995 | 12,365 | 11,997 | 12,523 | 12,852 |
3 | 4 | 5 | 9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 | 54 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 |
Investments | 8 | 8 | 12 | 12 | 12 | 16 | 16 | 22 | 22 | 22 | 32 | 32 | 32 |
2,841 | 3,780 | 4,719 | 6,054 | 7,742 | 9,018 | 9,702 | 10,919 | 11,935 | 12,311 | 11,930 | 12,448 | 12,767 | |
Total Assets | 2,853 | 3,792 | 4,736 | 6,076 | 7,763 | 9,043 | 9,731 | 10,957 | 11,995 | 12,365 | 11,997 | 12,523 | 12,852 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
70 | 104 | -1,011 | -1,193 | -1,414 | -1,001 | -557 | -1,015 | 349 | 849 | 691 | -363 | |
-8 | -4 | -6 | -7 | -7 | -6 | 0 | -11 | -3 | 12 | -163 | 160 | |
-53 | 91 | 829 | 1,195 | 1,424 | 1,009 | 562 | 1,058 | -79 | -730 | -531 | 205 | |
Net Cash Flow | 9 | 191 | -188 | -5 | 3 | 2 | 5 | 32 | 267 | 131 | -2 | 2 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 23% | 17% | 16% | 16% | 17% | 17% | 16% | 17% | 17% | 15% | 9% | 12% |
Documents
Announcements
- Closure of Trading Window 23h
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Announcement under Regulation 30 (LODR)-Change in Management
2d - Mr.M.Raja has been appointed as the Chief Business Officer of the company with effect from 25th March, 2024.
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Announcement under Regulation 30 (LODR)-Earnings Call Transcript
20 Feb - Transcript of earnings call held on 13th February, 2024
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
19 Feb - Meeting was held between Mr.K.Swaminathan, Managing Director & CEO of the Company and various Analysts at the meeting hosted by Antique Stock Broking Ltd as …
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Announcement under Regulation 30 (LODR)-Change in Directorate
14 Feb - The term of Mrs.R.S.Isabella as CEO/MD of Repco Bank (Promoter) as ended and she was relieved from the post on 13-02-2024. Repco Bank has vide …
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Concalls
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Feb 2024Transcript PPT
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Feb 2024TranscriptNotesPPT
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Nov 2023Transcript PPT
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Sep 2023Transcript PPT
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Aug 2023TranscriptNotesPPT
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Jun 2023Transcript PPT
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Nov 2022Transcript PPT
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Aug 2022Transcript PPT
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May 2022Transcript PPT
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Feb 2022TranscriptNotesPPT
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Nov 2021TranscriptNotesPPT
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Aug 2021Transcript PPT
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Jun 2021TranscriptNotesPPT
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Feb 2021Transcript PPT
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Nov 2020TranscriptNotesPPT
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Sep 2020Transcript PPT
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Jul 2020Transcript PPT
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Feb 2020TranscriptNotesPPT
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Nov 2019TranscriptNotesPPT
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Aug 2019TranscriptNotesPPT
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May 2019TranscriptNotesPPT
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Feb 2019TranscriptNotesPPT
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Nov 2018TranscriptNotesPPT
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Aug 2018TranscriptNotesPPT
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May 2018TranscriptNotesPPT
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May 2018TranscriptNotesPPT
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Feb 2018TranscriptNotesPPT
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Nov 2017Transcript PPT
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Aug 2017TranscriptPPT
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May 2017Transcript PPT
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Feb 2017TranscriptNotesPPT
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Nov 2016Transcript PPT
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Aug 2016Transcript PPT
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May 2016TranscriptPPT
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Feb 2016TranscriptPPT
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]