Finance
Valuation | |
|---|---|
| Market Cap | 2.53 kCr |
| Price/Earnings (Trailing) | 5.51 |
| Price/Sales (Trailing) | 1.43 |
| EV/EBITDA | 1.47 |
| Price/Free Cashflow | -3.91 |
| MarketCap/EBT | 4.34 |
| Enterprise Value | 2.35 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 4% |
| Price Change 1M | -6.8% |
| Price Change 6M | 4.3% |
| Price Change 1Y | 6.7% |
| 3Y Cumulative Return | 21.7% |
| 5Y Cumulative Return | 9% |
| 7Y Cumulative Return | 0.50% |
| 10Y Cumulative Return | -4.3% |
| Revenue (TTM) |
| 1.76 kCr |
| Rev. Growth (Yr) | 4.2% |
| Earnings (TTM) | 458.62 Cr |
| Earnings Growth (Yr) | -4.7% |
Profitability | |
|---|---|
| Operating Margin | 33% |
| EBT Margin | 33% |
| Return on Equity | 13.15% |
| Return on Assets | 3.02% |
| Free Cashflow Yield | -25.56% |
Cash Flow & Liquidity |
|---|
| Cash Flow from Investing (TTM) | -10.2 Cr |
| Cash Flow from Operations (TTM) | -609.91 Cr |
| Cash Flow from Financing (TTM) | 408.19 Cr |
| Cash & Equivalents | 181.03 Cr |
| Free Cash Flow (TTM) | -633.11 Cr |
| Free Cash Flow/Share (TTM) | -101.2 |
Balance Sheet | |
|---|---|
| Total Assets | 15.19 kCr |
| Total Liabilities | 11.7 kCr |
| Shareholder Equity | 3.49 kCr |
| Net PPE | 25.45 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.41 |
| Interest/Cashflow Ops | 0.38 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 6.5 |
| Dividend Yield | 1.61% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Profitability: Very strong Profitability. One year profit margin are 26%.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Past Returns: Outperforming stock! In past three years, the stock has provided 21.7% return compared to 13% by NIFTY 50.
Technicals: Bullish SharesGuru indicator.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
No major cons observed.
Profitability: Very strong Profitability. One year profit margin are 26%.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Past Returns: Outperforming stock! In past three years, the stock has provided 21.7% return compared to 13% by NIFTY 50.
Technicals: Bullish SharesGuru indicator.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 1.61% |
| Dividend/Share (TTM) | 6.5 |
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 73.31 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 49.35 |
| RSI (5d) | 64.31 |
| RSI (21d) | 41.56 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of Repco Home Finance's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
In the Q2 FY2026 earnings call, management provided an optimistic outlook, projecting continued growth in disbursements and a target of reaching an overall loan book of approximately Rs.16,200 Crores by the end of FY2026. They reported a record disbursement of Rs.1,069 Crores for Q2, marking a 22% growth compared to the previous month-on-month figures. For the third quarter, they anticipate disbursements of around Rs.1,100 Crores to Rs.1,150 Crores.
Management outlined several key points for the upcoming months:
Reduction in GNPA: Management is targeting a reduction in Gross Non-Performing Assets (GNPA) from Rs.475 Crores to Rs.450 Crores and aims to lower stage two assets from Rs.1,323 Crores to Rs.1,275 Crores by the end of the third quarter.
Cost Management: Positive expectations for a continued decrease in overall cost of funds due to approximately Rs.6,000 Crores of bank borrowings set for re-pricing in the next three months, with an anticipated reduction of 10 to 15 basis points.
Employee Incentives: To drive growth, management has realigned employee incentives and promotions, resulting in a strategic increase in employee costs. They indicated that enhanced sales and collection personnel would accelerate growth and improve efficiency.
Branch Expansion: The company plans to open additional branches, increasing its footprint beyond the current 234 touch points, contributing to growth in disbursements.
Future Guidance: For FY2028, management projected an ambitious target of achieving a loan book of Rs.25,000 Crores, combining both organic and inorganic strategies for growth.
Overall, the management conveyed confidence in executing its growth strategy while maintaining a focus on loan book quality and efficient cost management.
Understand Repco Home Finance ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| REPATRIATES CO OPERATIVE FINANCE & DEVELOPMENT BANK LTD | 37.13% |
| ICICI PRUDENTIAL BANKING AND FINANCIAL SERVICES FU | 7.37% |
| BANDHAN SMALL CAP FUND | 6.57% |
| WHITEOAK CAPITAL FLEXI CAP FUND | 3.27% |
| ADITYA BIRLA SUN LIFE TRUSTEE PRIVATE LIMITED A/C | 2.82% |
| FIDELITY FUNDS - ASIAN SMALLER COMPANIES POOL | 2.34% |
Detailed comparison of Repco Home Finance against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| LICHSGFIN | Lic Housing Finance | 28.01 kCr | 28.95 kCr | -6.70% | -8.70% | 5.11 | 0.97 | - | - |
| PNBHOUSING | PNB Housing Finance | 21.43 kCr |
Comprehensive comparison against sector averages
REPCOHOME metrics compared to Finance
| Category | REPCOHOME | Finance |
|---|---|---|
| PE | 5.51 | 13.43 |
| PS | 1.43 | 2.93 |
| Growth | 8.1 % | 8.1 % |
Repco Home Finance Limited operates as a housing finance company in India. The company offers housing loans, composite loan, NRI housing loan, plot loan, and privilege loan. It also offers repair, renovation, extension, and multipurpose loans. In addition, the company provides real estate loan. Repco Home Finance Limited operates in Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry. The company was incorporated in 2000 and is headquartered in Chennai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
REPCOHOME vs Finance (2021 - 2026)
Q1: Akash Jain: Regarding AUM growth and disbursement, what actions are being taken to improve AUM growth?
T. Karunakaran: We have observed that disbursements are increasing, with a monthly growth rate of about 30%. Our focus on new branches opened in the past 24 months is yielding significant results. We are confident that increasing disbursements alongside managing BT outs will help grow our AUM to the targeted 10-12% range.
Q2: Vikas Kasturi: How much more needs to be disbursed to reach the Rs.16,000 Crores AUM by March 2026?
T. Karunakaran: For December, we target disbursements of Rs.1,100-1,150 Crores and by March, we expect to reach Rs.1,350-1,400 Crores. This growth trajectory will help us achieve our goal of reaching Rs.16,200 Crores AUM by this financial year's end.
Q3: Anand Mundra: Given our strong capital base, why isn't the dividend payout higher?
Ankush Tiwari: We are progressively increasing our dividend payouts; your feedback regarding higher distributions will be conveyed to the board for consideration in future decisions. Reducing retained capital could indeed enhance ROE, which we are working towards.
Q4: Prithviraj Patil: What yields do we have in the LAP and home loan segments?
T. Karunakaran: Currently, the yields are approximately 11.17% for housing loans and 13.55% for non-housing loans. We've formed a special cell to monitor recovery from written-off accounts, expecting an additional Rs.8-9 Crores in recoveries this year.
Q5: Rajiv Mehta: Why has the LAP portfolio grown faster than home loans?
M. Raja: The growth disparity arises because our non-housing loans include more than just LAP. We're also issuing loans for commercial purposes. Recent NHB guidelines have caused us to classify some housing loans as non-housing due to their specific usage, amplifying the growth in the non-housing segment.
| SG JOKALAND HOLDINGS LLC | 1.84% |
| HDFC MUTUAL FUND - HDFC HOUSING OPPORTUNITIES FUND | 1.55% |
| TATA BANKING & FINANCIAL SERVICES FUND | 1.48% |
Distribution across major stakeholders
Distribution across major institutional holders
| 8.37 kCr |
| -17.60% |
| -6.50% |
| 9.79 |
| 2.56 |
| - |
| - |
| AAVAS | AAVAS Financiers | 11.32 kCr | 2.53 kCr | -1.00% | -16.80% | 18.75 | 4.47 | - | - |
| 3% |
| 7.9 |
| 7.7 |
| 7.13 |
| 8.5 |
| 9.27 |
| 3.74 |
| Impairment on financial instruments | 33.3% | -1.46 | -2.69 | -23.32 | 0.33 | -16.02 | 1.44 |
| Other expenses | 6.2% | 18 | 17 | 18 | 16 | 14 | 12 |
| Profit Before exceptional items and Tax | -4.8% | 139 | 146 | 154 | 144 | 149 | 137 |
| Total profit before tax | -4.8% | 139 | 146 | 154 | 144 | 149 | 137 |
| Current tax | -20.8% | 20 | 25 | 31 | 32 | 28 | 27 |
| Deferred tax | 16.7% | 15 | 13 | 8.27 | 5.07 | 12 | 4.39 |
| Tax expense | -5.4% | 36 | 38 | 39 | 37 | 40 | 31 |
| Total profit (loss) for period | -4.4% | 110 | 115 | 121 | 113 | 115 | 113 |
| Other comp. income net of taxes | 0% | -0.26 | -0.26 | -1.01 | -0.01 | -0.02 | -0.03 |
| Total Comprehensive Income | -5.3% | 109 | 115 | 120 | 113 | 115 | 112 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| Earnings Per Share, Basic | -5% | 17.53 | 18.4 | 19.29 | 18.089 | 18.4 | 17.988 |
| Earnings Per Share, Diluted | -5% | 17.53 | 18.4 | 19.29 | 18.089 | 18.4 | 17.988 |
| Debt equity ratio | - | - | 0.0314 | 0.0325 | 0.0372 | 0.04 | 0.0394 |
| Debt service coverage ratio | - | - | - | 0.0135 | 098 | 0.01 | 0.0145 |
| Interest service coverage ratio | - | - | 0.0162 | 0.0166 | 0.0161 | 0.02 | 0.0161 |
| 153.3% |
| 39 |
| 16 |
| 15 |
| 16 |
| 19 |
| 5.64 |
| Total Expenses | 11.9% | 1,137 | 1,016 | 898 | 1,047 | 1,002 | 991 |
| Employee Expense | 17.8% | 120 | 102 | 88 | 79 | 71 | 66 |
| Finance costs | 14.2% | 966 | 846 | 701 | 690 | 807 | 825 |
| Depreciation and Amortization | 64.7% | 29 | 18 | 15 | 13 | 13 | 13 |
| Impairment on financial instruments | -2454.3% | -37.57 | -0.51 | 52 | 233 | 81 | 0 |
| Other expenses | 18% | 60 | 51 | 43 | 33 | 30 | 87 |
| Profit Before exceptional items and Tax | 11.8% | 587 | 525 | 401 | 260 | 390 | 360 |
| Total profit before tax | 11.8% | 587 | 525 | 401 | 260 | 390 | 360 |
| Current tax | 9.3% | 118 | 108 | 94 | 99 | 99 | 95 |
| Deferred tax | 38.1% | 30 | 22 | 11 | -30.89 | 3.68 | -15.37 |
| Tax expense | 14% | 148 | 130 | 105 | 68 | 102 | 80 |
| Total profit (loss) for period | 11.2% | 439 | 395 | 296 | 192 | 288 | 280 |
| Other comp. income net of taxes | -101% | -1.07 | -0.03 | 0.13 | 0.41 | 0.45 | -0.6 |
| Total Comprehensive Income | 10.9% | 438 | 395 | 296 | 192 | 288 | 280 |
| Reserve excluding revaluation reserves | 14.8% | 3,251 | 2,831 | - | 2,173 | 1,997 | 1,724 |
| Earnings Per Share, Basic | 11.5% | 70.24 | 63.09 | 47.33 | 30.617 | 45.97 | 44.81 |
| Earnings Per Share, Diluted | 11.5% | 70.24 | 63.09 | 47.33 | 30.617 | 45.97 | 44.81 |
| Debt equity ratio | -0.7% | 0.0336 | 0.04 | 0.0427 | 0.047 | 0.0527 | 0.0602 |
| Debt service coverage ratio | 0% | 0.0127 | 0.0126 | 0.012 | 0.0105 | 0.0108 | 0.0104 |
| Interest service coverage ratio | 0% | 0.0164 | 0.0164 | 0.0167 | 0.0173 | 0.0159 | 0.0152 |
| 4% |
| 15,187 |
| 14,602 |
| 14,687 |
| 13,705 |
| 12,852 |
| 12,523 |
| Equity share capital | 0% | 63 | 63 | 63 | 63 | 63 | 63 |
| Total equity | 5.2% | 3,487 | 3,314 | 3,093 | 2,894 | 2,686 | 2,516 |
| Debt securities | - | 142 | - | - | - | - | - |
| Borrowings | 1.9% | 11,352 | 11,139 | 11,474 | 10,701 | 10,049 | 9,924 |
| Total financial liabilities | 3.4% | 11,591 | 11,206 | 11,476 | - | - | - |
| Current tax liabilities | - | - | - | - | - | - | - |
| Provisions | -14.2% | 9.58 | 11 | 10 | 18 | 16 | 23 |
| Total non financial liabilities | 33.3% | 109 | 82 | 118 | - | - | - |
| Total liabilities | 3.6% | 11,700 | 11,289 | - | 10,811 | 10,166 | 10,007 |
| Total equity and liabilities | 4% | 15,187 | 14,602 | 14,687 | 13,705 | 12,852 | 12,523 |
| - |
| 1,625 |
| 0 |
| 0 |
| 0 |
| - |
| - |
| Income taxes paid (refund) | -6.1% | 124 | 132 | 87 | 108 | - | - |
| Net Cashflows From Operating Activities | -494% | -613.7 | 157 | 336 | 1,379 | - | - |
| Proceeds from sales of PPE | - | 0.19 | 0 | 0 | 0 | - | - |
| Purchase of property, plant and equipment | 0% | 23 | 23 | 4.63 | 11 | - | - |
| Proceeds from sales of investment property | -49.3% | 0 | 0.33 | 0 | 0 | - | - |
| Purchase of intangible assets | -132.6% | 0 | 0.57 | 3.53 | 0 | - | - |
| Purchase of intangible assets under development | - | 0 | 0 | 0 | 0.35 | - | - |
| Dividends received | 29.2% | 3.79 | 3.16 | 1.58 | 1.76 | - | - |
| Interest received | 406.7% | 20 | 4.75 | 11 | 11 | - | - |
| Other inflows/outflows of cash | 108.5% | 9.04 | -93.3 | 155 | -0.14 | - | - |
| Net Cashflows From Investing Activities | 93.2% | -6.41 | -108.52 | 160 | -7.52 | - | - |
| Proceeds from borrowings | 11.6% | 3,417 | 3,062 | 2,434 | 2,940 | - | - |
| Repayments of borrowings | 30.2% | 2,977 | 2,286 | 2,202 | 3,445 | - | - |
| Payments of finance lease liabilities | - | - | 1.98 | 1.91 | 1.74 | - | - |
| Payments of lease liabilities | 20% | 13 | 11 | 9.46 | 8.24 | - | - |
| Dividends paid | 12.5% | 19 | 17 | 16 | 16 | - | - |
| Interest paid | -100.1% | 0 | 841 | 699 | 688 | - | - |
| Net Cashflows From Financing Activities | 527.7% | 408 | -94.17 | -494.09 | -1,219.2 | - | - |
| Net change in cash and cash eq. | -352.7% | -211.92 | -46.03 | 1.81 | 153 | - | - |
Analysis of Repco Home Finance's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2025
| Description | Share | Value |
|---|---|---|
| a. Housing related finance | 100.0% | 457.1 Cr |
| Total | 457.1 Cr |