Repco Home Finance Ltd
- Market Cap ₹ 2,896 Cr.
- Current Price ₹ 463
- High / Low ₹ 595 / 366
- Stock P/E 6.50
- Book Value ₹ 511
- Dividend Yield 0.65 %
- ROCE 10.5 %
- ROE 14.9 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.91 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 5.10% over past five years.
- Company has a low return on equity of 12.5% over last 3 years.
- Dividend payout has been low at 5.97% 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
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Revenue | 693 | 882 | 1,046 | 1,109 | 1,191 | 1,348 | 1,376 | 1,292 | 1,285 | 1,528 | 1,603 |
Interest | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 846 | 908 |
72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 152 | 141 | |
Financing Profit | 189 | 234 | 284 | 309 | 361 | 370 | 386 | 258 | 402 | 530 | 554 |
Financing Margin % | 27% | 27% | 27% | 28% | 30% | 27% | 28% | 20% | 31% | 35% | 35% |
0 | 0 | 0 | 1 | 4 | 3 | 17 | 15 | 14 | 13 | 28 | |
Depreciation | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 18 | 23 |
Profit before tax | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 525 | 558 |
Tax % | 34% | 35% | 35% | 35% | 35% | 22% | 26% | 26% | 26% | 25% | |
125 | 154 | 188 | 201 | 249 | 298 | 300 | 194 | 316 | 416 | 445 | |
EPS in Rs | 20.10 | 24.63 | 30.00 | 32.13 | 39.81 | 47.66 | 47.99 | 31.03 | 50.56 | 66.54 | 71.20 |
Dividend Payout % | 7% | 7% | 7% | 7% | 6% | 5% | 5% | 8% | 5% | 5% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 5% |
3 Years: | 4% |
TTM: | 14% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 11% |
3 Years: | 12% |
TTM: | 23% |
Stock Price CAGR | |
---|---|
10 Years: | -2% |
5 Years: | 10% |
3 Years: | 16% |
1 Year: | 5% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 14% |
3 Years: | 12% |
Last Year: | 15% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 62 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 |
Reserves | 755 | 901 | 1,087 | 1,263 | 1,494 | 1,767 | 2,050 | 2,227 | 2,527 | 2,923 | 3,132 |
5,104 | 6,538 | 7,560 | 8,134 | 9,349 | 10,109 | 10,197 | 9,692 | 9,924 | 10,701 | 11,474 | |
159 | 270 | 345 | 288 | 81 | 99 | 108 | 70 | 83 | 110 | 120 | |
Total Liabilities | 6,081 | 7,772 | 9,055 | 9,748 | 10,987 | 12,038 | 12,418 | 12,052 | 12,596 | 13,797 | 14,788 |
9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 | 58 | 78 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4 | 0 |
Investments | 18 | 21 | 28 | 33 | 52 | 65 | 76 | 86 | 105 | 123 | 277 |
6,054 | 7,742 | 9,018 | 9,702 | 10,919 | 11,935 | 12,311 | 11,930 | 12,448 | 13,612 | 14,432 | |
Total Assets | 6,081 | 7,772 | 9,055 | 9,748 | 10,987 | 12,038 | 12,418 | 12,052 | 12,596 | 13,797 | 14,788 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|
-1,193 | -1,414 | -1,001 | -557 | -1,015 | 349 | 849 | 1,379 | -363 | -685 | |
-7 | -7 | -6 | 0 | -11 | -3 | 12 | -8 | 160 | -109 | |
1,195 | 1,424 | 1,009 | 562 | 1,058 | -79 | -730 | -1,219 | 205 | 747 | |
Net Cash Flow | -5 | 3 | 2 | 5 | 32 | 267 | 131 | 153 | 2 | -46 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|
ROE % | 17% | 18% | 16% | 17% | 18% | 15% | 9% | 13% | 15% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
32m - Outcome of earnings call for Q2 FY25 results.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
10h - Newspaper publication of financial results for the quarter and half year ended 30th September, 2024
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Announcement under Regulation 30 (LODR)-Investor Presentation
11h - Revised investor presentation for Q2FY25 financial results.
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Announcement under Regulation 30 (LODR)-Change in Management
1d - Appointment of Mrs. Shanthi Srikanth as CFO.
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Un-Audited Financial Results
1d - Board approved un-audited financial results for Q2 2024.
Annual reports
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Financial Year 2024
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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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Concalls
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Nov 2024TranscriptNotesPPT
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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]