Repco Home Finance Ltd.

•

repcohome.comBSE: 535322NSE: REPCOHOME

Market Cap₹ 2,251 Cr.

Current Price

High / Low₹ 456 / 334

Stock P/E4.7

Book Value₹ 664

Price to Book0.61

Dividend Yield0.83 %

ROCE11.0 %

ROE13.6 %

Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Housing related finance: 100.0%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 37.1%
Solid return on assets for a lender - ROA of 3.1%
Company has consistently been profitable over the last 5 years
Operating margins have improved to 89.2% from 74.6%
Company has a consistent dividend-paying track record
Institutional investors have been accumulating - FII+DII up 4.0pp

CONS

Net NPA is elevated at 2.1% - provisioning cushion is thin
Company has a low return on capital employed of 10.1%
Free cash flow has been persistently negative
Company has delivered a poor sales growth of 4.6% over past five years
Thin net interest margin of 0.0%
Company has delivered a poor profit growth of 9.2% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJHFL	84.16	673.24	70124.93	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2256.30	31.65	53390.90	0.49	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	172.70	8.12	34572.81	3.50	851.11	35.05	3717.17	27.10	8.41	97.08
4.	LICHSGFIN	562.55	5.39	30943.79	1.78	1499.03	9.90	7082.59	-1.16	8.59	97.06
5.	PNBHOUSING	1175.00	13.24	30644.46	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
6.	AADHARHFC	456.35	17.53	19997.56	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	147.45	0.00	17171.39	0.00	243.30	-27.22	1651.93	-31.18	-4.70	99.91
8.	APTUS	249.30	12.68	12485.70	1.81	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1184.65	21.31	12386.64	0.44	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	CANFINHOME	781.05	9.21	10400.04	1.92	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1275.10	20.61	10110.82	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	REPCOHOME	359.85	4.67	2251.27	0.83	121.62	5.63	467.70	8.44	10.97	89.09

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	357	377	379	387	405	418	441	421	431	440	454	452	468
	40	40	39	33	43	26	45	28	43	51	49	49	320
Operating Profit	324	340	348	360	365	396	400	396	393	390	408	405	417
OPM %	90.80%	90.13%	91.94%	92.91%	90.20%	94.91%	90.63%	94.10%	91.10%	88.69%	89.89%	89.47%	89.09%
Other Income	2	1	6	5	8	1	0	1	5	1	0	1	0
Interest	203	207	215	220	233	240	248	246	244	244	249	247	251
Depreciation	4	4	5	6	4	9	8	7	8	8	10	10	10
	120	129	134	139	137	149	144	144	146	139	149	148	155
Tax %	25.60%	26.44%	25.84%	22.07%	22.81%	27.02%	26.01%	13.67%	26.23%	25.60%	26.99%	12.94%	21.64%
Net Profit	0	0	0	0	113	115	113	121	115	110	115	135	122
	15	16	17	18	18	18	18	21	18	18	18	22	2

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	881	1,044	1,107	1,189	1,345	1,373	1,290	1,284	1,525	1,685	1,814
	99	116	151	110	153	182	344	182	153	182	469
Operating Profit	781	928	956	1,079	1,192	1,191	946	1,101	1,371	1,504	1,345
OPM %	88.72%	88.90%	86.39%	90.72%	88.63%	86.73%	73.32%	85.79%	89.93%	89.23%	74.15%
	1	2	3	6	6	19	16	15	14	75	2
Interest	548	646	649	720	825	807	690	701	846	966	991
Depreciation	4	4	3	5	13	13	13	15	18	29	39
Profit before Tax	230	280	307	360	360	390	260	401	522	584	591
Tax %	34.77%	34.95%	34.60%	34.79%	22.17%	26.22%	26.19%	26.12%	24.93%	25.36%	21.73%
Net Profit	150	182	201	235	280	288	192	296	392	436	463
EPS	24.66	30.00	33.61	39.81	47.66	47.99	31.03	50.56	66.04	73.77	—
Dividend Payout %	7.31%	6.67%	6.54%	6.28%	5.25%	5.21%	8.06%	5.34%	4.54%	5.42%	—

COMPOUNDED SALES GROWTH

10 Years:: 9%
5 Years:: 5%
3 Years:: 9%

COMPOUNDED PROFIT GROWTH

10 Years:: 14%
5 Years:: 9%
3 Years:: 33%

STOCK PRICE CAGR

10 Years:: -8%
5 Years:: 3%
3 Years:: -1%
1 Year:: -4%

RETURN ON EQUITY

10 Years:: 15%
5 Years:: 13%
3 Years:: 13%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	63	63	63	63	63	63	63	63	63	63
	899	1,087	1,263	1,494	1,767	2,050	2,227	2,527	2,923	3,364
	6,601	7,638	8,241	9,353	10,112	10,197	9,702	9,939	10,730	11,169
Trade Payables	0	0	0	0	0	1	2	1	2	2
	209	268	182	77	95	107	58	67	81	118
Total Liabilities	7,772	9,055	9,748	10,987	12,038	12,418	12,052	12,596	13,799	14,716
	9	9	14	16	37	31	35	40	58	78
	21	28	33	52	65	76	86	105	223	325
Cash & Bank	20	22	26	58	324	455	608	454	408	136
	7,722	8,996	9,676	10,862	11,611	11,856	11,323	11,998	13,110	14,177
Total Assets	7,772	9,055	9,748	10,987	12,038	12,418	12,052	12,596	13,799	14,716

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-1,342	-910	-449	-909	442	945	799	-276	-685	-614
Cash from Investing	-7	-6	0	-11	-3	12	-163	160	-169	-6
Cash from Financing	1,424	1,009	562	1,058	-79	-730	-531	205	747	408
	3	2	5	32	267	131	-2	2	-106	-212

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	37.13	37.13	37.13	37.13	37.13	37.13	37.13	37.13	37.13
	14.04	12.90	12.52	11.25	11.16	11.91	12.68	13.37	12.36
	18.79	19.90	20.56	21.09	23.26	22.70	23.74	24.27	26.08
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	30.03	30.07	29.78	30.54	28.46	28.26	26.44	25.22	24.44

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11

Cessation

2026-09-11 - Repco Home Finance Limited has informed the Exchange regarding Cessation of Mr Paiyur Kuppuraman Vaidyanathan as Executive Director of the company w.e.f. September 16, 2026.

2026-09-07

General Updates

2026-09-07 - Repco Home Finance Limited has informed the Exchange about General Updates

2026-09-03

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-03 - Repco Home Finance Limited has informed the Exchange about Outcome

2026-09-03

Copy of Newspaper Publication

2026-09-03 - Repco Home Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-02

Updates

2026-09-02 - Repco Home Finance Limited has informed the Exchange regarding 'Business Responsibility & Sustainability Report '.

2026-09-02

Record Date

2026-09-02 - Repco Home Finance Limited has informed the Exchange that Record date for the purpose of Dividend & Meeting is 22-Sep-2026.

2026-09-02

Shareholders meeting

2026-09-02 - Repco Home Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 29, 2026

2026-08-26

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Repco Home Finance Limited has informed the Exchange about Schedule of meet

2026-08-21

Credit Rating

2026-08-21 - Repco Home Finance Limited has informed the Exchange about Credit Rating

News

Recent coverage and analyst commentary for REPCOHOME

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