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Repco Home Finance Ltd.

•
repcohome.comBSE: 535322NSE: REPCOHOME
Market Cap₹ 2,251 Cr.
Current Price
High / Low₹ 456 / 334
Stock P/E4.9
Book Value₹ 642
Price to Book0.63
Dividend Yield0.83 %
ROCE11.1 %
ROE14.2 %
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%
  • 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
  • Attractively priced for its growth - PEG of 0.2

CONS

  • Net NPA is elevated at 2.1% - provisioning cushion is thin
  • Company has a low return on capital employed of 10.2%
  • 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 9.4% over past five years

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

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.REPCOHOME359.854.672251.270.83121.625.63467.708.4410.9789.09
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
357377379387405421441421431444454452468
404039334326452843514949320
Operating Profit324340348360365400400396393394408405409
OPM %90.80%90.13%91.94%92.91%90.20%94.96%90.63%94.10%91.10%88.79%89.89%89.47%87.49%
Other Income2465810151010
Interest203207215220233240248246244244249247251
Depreciation4456498788101010
120132134139137153144144146142149148148
Tax %25.60%25.81%25.84%22.07%22.81%26.35%26.01%13.67%26.23%24.92%26.99%12.94%22.74%
Net Profit899899108105113107125108107109129114
1416161717181720171717212

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
8811,0441,1071,1891,3451,3731,2901,2841,5251,6851,818
99116151110153182344182153182469
Operating Profit7819289561,0791,1921,1919461,1011,3711,5041,349
OPM %88.72%88.90%86.39%90.72%88.63%86.73%73.32%85.79%89.93%89.23%74.20%
1236619161517782
Interest548646649720825807690701846966991
Depreciation443513131315182939
Profit before Tax230280307360360390260401525587587
Tax %34.77%34.95%34.60%34.79%22.17%26.22%26.19%26.12%24.78%25.20%21.87%
Net Profit150182201235280288192296395439459
EPS24.0329.1332.1337.5144.8145.9730.6247.3363.0970.24—
Dividend Payout %7.50%6.87%6.85%6.67%5.58%5.44%8.16%5.70%4.75%5.69%—

COMPOUNDED SALES GROWTH

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

COMPOUNDED PROFIT GROWTH

10 Years:
14%
5 Years:
9%
3 Years:
32%

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:
14%
Last Year:
14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

Sep 22

₹ 0.30

Rs.3.0000 per share(30%)Final Dividend

2026

Feb 12

₹ 0.20

Second Interim Dividend

2025

Aug 25

₹ 0.25

Rs.2.5000 per share(25%)Interim Dividend

2025

Aug 14

₹ 0.40

Rs.4.0000 per share(40%)Final Dividend

2024

Jul 26

₹ 0.30

Rs.3.0000 per share(30%)Final Dividend

2023

Sep 7

₹ 0.27

Rs.2.7000 per share(27%)Final Dividend

2022

Aug 11

₹ 0.25

Rs.2.5000 per share(25%)Final Dividend

2021

Sep 15

₹ 0.25

Rs.2.5000 per share(25%)Final Dividend

2018

Sep 17

₹ 0.22

Rs.2.2000 per share(22%)Dividend

2017

Sep 13

₹ 0.20

Rs.2.0000 per share(20%)Dividend

2016

Sep 14

₹ 0.18

Rs.1.8000 per share(18%)Dividend

2015

Sep 3

₹ 0.15

Rs.1.5000 per share(15%)Dividend

2026

Sep 3

₹ 0.30

Rs.3.0000 per share(30%)Final Dividend

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital63636363636363636363
8901,0751,2461,4651,7241,9972,1732,4542,8313,251
6,6017,6388,2419,35310,11210,1979,7029,93910,73011,169
Trade Payables0000012122
2092681827795107586781118
Total Liabilities7,7639,0439,73110,95711,99512,36511,99712,52313,70714,602
991416373135405878
1216162222223232131211
Cash & Bank20222658324455608454408136
7,7228,9969,67610,86211,61111,85611,32311,99813,11014,177
Total Assets7,7639,0439,73110,95711,99512,36511,99712,52313,70714,602

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-1,342-910-449-909442945799-276-685-614
Cash from Investing-7-60-11-312-163160-169-6
Cash from Financing1,4241,0095621,058-79-730-531205747408
32532267131-22-106-212

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
37.1337.1337.1337.1337.1337.1337.1337.1337.13
14.0412.9012.5211.2511.1611.9112.6813.3712.36
18.7919.9020.5621.0923.2622.7023.7424.2726.08
Government0.000.000.000.000.000.000.000.000.00
30.0330.0729.7830.5428.4628.2626.4425.2224.44

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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