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

₹ 530 1.78%
26 Apr - 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 ₹ 3,314 Cr.
  • Current Price ₹ 530
  • High / Low ₹ 535 / 189
  • Stock P/E 8.57
  • Book Value ₹ 442
  • Dividend Yield 0.51 %
  • ROCE 9.00 %
  • ROE 13.0 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 1.20 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 12.3% over last 3 years.
  • Company might be capitalizing the interest cost
  • Dividend payout has been low at 6.20% 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
Revenue 355 333 320 330 322 318 302 314 327 340 364 380 387
Interest 202 185 176 174 172 168 165 169 181 186 203 207 215
49 62 100 42 108 95 53 50 37 42 40 40 39
Financing Profit 104 86 45 113 43 56 84 95 109 113 122 132 133
Financing Margin % 29% 26% 14% 34% 13% 17% 28% 30% 33% 33% 33% 35% 34%
5 7 2 5 4 6 5 3 4 3 2 4 6
Depreciation 3 3 3 3 3 3 4 3 4 4 4 4 5
Profit before tax 106 90 44 115 43 58 84 95 109 112 120 132 134
Tax % 25% 29% 27% 25% 26% 28% 26% 25% 26% 27% 26% 26% 26%
82 65 32 86 35 41 74 70 83 84 95 103 104
EPS in Rs 13.13 10.39 5.16 13.81 5.56 6.50 11.75 11.15 13.29 13.42 15.26 16.49 16.63
Gross NPA %
Net NPA %
Raw PDF

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 TTM
Revenue 693 882 1,046 1,109 1,191 1,348 1,376 1,292 1,285 1,472
Interest 431 548 646 649 720 825 807 690 701 811
72 99 116 151 110 153 182 344 182 162
Financing Profit 189 234 284 309 361 370 386 258 402 500
Financing Margin % 27% 27% 27% 28% 30% 27% 28% 20% 31% 34%
0 0 0 1 4 3 17 15 14 15
Depreciation 3 4 4 3 5 13 13 13 15 16
Profit before tax 186 230 280 307 360 360 390 260 401 498
Tax % 34% 35% 35% 35% 35% 22% 26% 26% 26%
125 154 188 201 249 298 300 194 316 387
EPS in Rs 20.10 24.63 30.00 32.13 39.81 47.66 47.99 31.03 50.56 61.80
Dividend Payout % 7% 7% 7% 7% 6% 5% 5% 8% 5%
Compounded Sales Growth
10 Years: %
5 Years: 3%
3 Years: -2%
TTM: 17%
Compounded Profit Growth
10 Years: %
5 Years: 9%
3 Years: 2%
TTM: 45%
Stock Price CAGR
10 Years: 3%
5 Years: 4%
3 Years: 18%
1 Year: 180%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 12%
Last Year: 13%

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 Sep 2023
Equity Capital 62 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 2,705
5,104 6,538 7,560 8,134 9,349 10,109 10,197 9,692 9,924 10,049
159 270 345 288 81 99 108 70 83 116
Total Liabilities 6,081 7,772 9,055 9,748 10,987 12,038 12,418 12,052 12,596 12,933
9 9 9 14 16 37 31 35 40 54
CWIP 0 0 0 0 0 0 0 0 4 0
Investments 18 21 28 33 52 65 76 86 105 113
6,054 7,742 9,018 9,702 10,919 11,935 12,311 11,930 12,448 12,767
Total Assets 6,081 7,772 9,055 9,748 10,987 12,038 12,418 12,052 12,596 12,933

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
-1,193 -1,414 -1,001 -557 -1,015 349 849 1,379 -363
-7 -7 -6 0 -11 -3 12 -8 160
1,195 1,424 1,009 562 1,058 -79 -730 -1,219 205
Net Cash Flow -5 3 2 5 32 267 131 153 2

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
ROE % 17% 18% 16% 17% 18% 15% 9% 13%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13%
17.92% 17.61% 18.01% 17.91% 16.31% 18.84% 16.64% 14.55% 13.41% 15.29% 13.78% 13.95%
21.98% 21.39% 21.01% 19.71% 16.64% 16.86% 16.96% 18.03% 19.55% 18.40% 19.09% 19.57%
22.97% 23.87% 23.85% 25.24% 29.91% 27.15% 29.26% 30.28% 29.91% 29.17% 29.98% 29.34%
No. of Shareholders 35,92140,88541,12144,84047,24348,70947,49148,17444,53043,10141,57142,934

* 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.

Click on the line-items to see the names of individual entities.

Documents

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