Share Price and Basic Stock Data
Last Updated: February 11, 2026, 9:20 pm
| PEG Ratio | 0.33 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Repco Home Finance Ltd, a prominent player in the housing finance sector, reported a market capitalization of ₹2,604 Cr and a stock price of ₹416. The company has showcased consistent revenue growth, with reported revenues rising from ₹314 Cr in September 2022 to ₹380 Cr in September 2023. This upward trajectory continued into the December 2023 quarter, where revenue reached ₹387 Cr. Over the past year, the quarterly revenue figures indicate a healthy increase, particularly notable is the revenue of ₹1,285 Cr for the fiscal year ending March 2023, which is expected to rise to ₹1,720 Cr by March 2025. Such performance aligns with the growing demand in the housing finance sector, as home loan disbursements have surged across India, supported by favorable interest rates and government incentives for home buyers.
Profitability and Efficiency Metrics
Repco Home Finance Ltd has demonstrated robust profitability metrics, with a reported net profit of ₹436 Cr and a profit before tax of ₹587 Cr for the fiscal year ending March 2025. The net profit margin stood at an impressive 25.85% in March 2025, showcasing the company’s efficiency in converting revenue into profit. The reported Return on Equity (ROE) of 14.2% and Return on Capital Employed (ROCE) of 11.1% reflect effective utilization of shareholder funds and capital. Additionally, the financing margin percentage has shown a consistent upward trend, reaching 36% in March 2025. However, the company must remain vigilant regarding its Gross Non-Performing Assets (NPA), which, while declining to 3.16% by September 2025, still pose a risk to profitability if not managed effectively.
Balance Sheet Strength and Financial Ratios
Repco Home Finance Ltd’s balance sheet reflects significant strength, with total reserves amounting to ₹3,425 Cr and a debt-to-equity ratio of 3.25, indicating a leveraged but manageable capital structure. The company reported total liabilities of ₹14,602 Cr, against total assets of ₹14,602 Cr as of March 2025. This balanced approach underlines a stable financial position, bolstered by a current ratio of 1.30, suggesting adequate liquidity to cover short-term obligations. The price-to-book value ratio of 0.61x indicates that the stock is trading at a discount relative to its book value, potentially appealing to value investors. However, the interest coverage ratio of 1.63x, while satisfactory, suggests that the company should monitor its interest obligations closely to maintain financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Repco Home Finance Ltd reveals a diverse ownership structure, with promoters holding 37.13%, foreign institutional investors (FIIs) at 11.91%, domestic institutional investors (DIIs) at 22.70%, and the public accounting for 28.24%. The increase in public shareholding from 29.26% in December 2022 to 28.24% in September 2025 indicates a slight shift in investor sentiment. The decline in FIIs from 16.64% in December 2022 to 11.91% by September 2025 may raise concerns about foreign investor confidence. However, the steady presence of DIIs suggests institutional support, which can be a stabilizing factor for the stock. The total number of shareholders rose to 57,026 by September 2025, reflecting growing retail interest in the company.
Outlook, Risks, and Final Insight
Looking forward, Repco Home Finance Ltd is well-positioned to capitalize on the ongoing boom in the housing finance sector. However, several risks remain. The company’s reliance on debt financing, indicated by a high debt-to-equity ratio, exposes it to interest rate fluctuations and potential liquidity challenges. Additionally, although the Gross NPA ratio is on a declining trend, any reversal could adversely affect profitability and investor confidence. To mitigate these risks, the company should focus on strengthening its asset quality and enhancing operational efficiencies. If the current growth trajectory continues alongside effective risk management, Repco Home Finance Ltd could see significant valuation upside, particularly if market conditions remain favorable for housing finance. Conversely, any adverse economic conditions could dampen growth prospects, emphasizing the need for caution in investment decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 42.9 Cr. | 42.9 | 49.7/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,260 Cr. | 1,177 | 1,519/839 | 24.7 | 386 | 0.31 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 12,929 Cr. | 258 | 365/256 | 14.5 | 93.0 | 1.74 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,604 Cr. | 416 | 464/308 | 5.94 | 557 | 1.08 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,264 Cr. | 855 | 1,142/746 | 9.91 | 690 | 0.58 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,037.90 Cr | 413.07 | 10.72 | 331.84 | 1.05% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 314 | 327 | 340 | 364 | 380 | 387 | 393 | 408 | 427 | 436 | 426 | 440 | 445 |
| Interest | 169 | 181 | 186 | 203 | 207 | 215 | 220 | 233 | 240 | 248 | 246 | 244 | 244 |
| Expenses | 50 | 37 | 42 | 40 | 40 | 39 | 33 | 43 | 26 | 45 | 28 | 43 | 51 |
| Financing Profit | 95 | 109 | 113 | 122 | 132 | 133 | 140 | 132 | 161 | 143 | 152 | 154 | 150 |
| Financing Margin % | 30% | 33% | 33% | 33% | 35% | 34% | 36% | 32% | 38% | 33% | 36% | 35% | 34% |
| Other Income | 3 | 4 | 3 | 2 | 4 | 6 | 5 | 8 | 1 | 9 | 9 | 0 | 1 |
| Depreciation | 3 | 4 | 4 | 4 | 4 | 5 | 6 | 4 | 9 | 8 | 7 | 8 | 8 |
| Profit before tax | 95 | 109 | 112 | 120 | 132 | 134 | 139 | 137 | 153 | 144 | 154 | 146 | 142 |
| Tax % | 25% | 26% | 27% | 26% | 26% | 26% | 22% | 23% | 26% | 26% | 25% | 26% | 25% |
| Net Profit | 71 | 81 | 82 | 89 | 98 | 99 | 108 | 105 | 113 | 107 | 115 | 108 | 107 |
| EPS in Rs | 11.37 | 12.91 | 13.12 | 14.24 | 15.68 | 15.89 | 17.27 | 16.85 | 17.98 | 17.03 | 18.37 | 17.26 | 17.09 |
| Gross NPA % | 6.50% | 6.20% | 5.80% | 5.50% | 4.93% | 4.70% | 4.10% | 4.30% | 4.00% | 3.86% | 3.26% | 3.30% | 3.16% |
| Net NPA % | 3.80% | 3.45% | 3.00% | 2.80% | 2.16% | 1.90% | 1.50% | 1.70% | 1.60% | 1.50% | 1.30% | 1.20% | 1.50% |
Last Updated: December 29, 2025, 8:36 am
Below is a detailed analysis of the quarterly data for Repco Home Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 244.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 244.00 Cr..
- For Expenses, as of Sep 2025, the value is 51.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 43.00 Cr. (Jun 2025) to 51.00 Cr., marking an increase of 8.00 Cr..
- For Other Income, as of Sep 2025, the value is 1.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Jun 2025) to 1.00 Cr., marking an increase of 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 8.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 8.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 142.00 Cr.. The value appears to be declining and may need further review. It has decreased from 146.00 Cr. (Jun 2025) to 142.00 Cr., marking a decrease of 4.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 25.00%, marking a decrease of 1.00%.
- For Net Profit, as of Sep 2025, the value is 107.00 Cr.. The value appears to be declining and may need further review. It has decreased from 108.00 Cr. (Jun 2025) to 107.00 Cr., marking a decrease of 1.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 17.09. The value appears to be declining and may need further review. It has decreased from 17.26 (Jun 2025) to 17.09, marking a decrease of 0.17.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:44 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 535 | 693 | 882 | 1,046 | 1,109 | 1,191 | 1,348 | 1,376 | 1,292 | 1,285 | 1,538 | 1,720 | 1,747 |
| Interest | 325 | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 846 | 966 | 982 |
| Expenses | 59 | 72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 152 | 143 | 167 |
| Financing Profit | 152 | 189 | 234 | 284 | 309 | 361 | 370 | 386 | 258 | 402 | 541 | 612 | 599 |
| Financing Margin % | 28% | 27% | 27% | 27% | 28% | 30% | 27% | 28% | 20% | 31% | 35% | 36% | 34% |
| Other Income | 0 | 0 | 0 | 0 | 1 | 4 | 3 | 17 | 15 | 14 | 2 | 4 | 19 |
| Depreciation | 2 | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 18 | 29 | 31 |
| Profit before tax | 149 | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 525 | 587 | 587 |
| Tax % | 26% | 34% | 35% | 35% | 35% | 35% | 22% | 26% | 26% | 26% | 25% | 25% | |
| Net Profit | 110 | 123 | 150 | 182 | 201 | 235 | 280 | 288 | 192 | 296 | 395 | 439 | 436 |
| EPS in Rs | 17.71 | 19.74 | 24.00 | 29.13 | 32.13 | 37.51 | 44.81 | 45.97 | 30.62 | 47.33 | 63.09 | 70.24 | 69.75 |
| Dividend Payout % | 7% | 8% | 8% | 7% | 7% | 7% | 6% | 5% | 8% | 6% | 5% | 6% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 11.82% | 21.95% | 21.33% | 10.44% | 16.92% | 19.15% | 2.86% | -33.33% | 54.17% | 33.45% | 11.14% |
| Change in YoY Net Profit Growth (%) | 0.00% | 10.13% | -0.62% | -10.89% | 6.48% | 2.23% | -16.29% | -36.19% | 87.50% | -20.72% | -22.31% |
Repco Home Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 5% |
| 3 Years: | 10% |
| TTM: | 9% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 9% |
| 3 Years: | 32% |
| TTM: | 8% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -6% |
| 5 Years: | 16% |
| 3 Years: | 15% |
| 1 Year: | -33% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 13% |
| 3 Years: | 14% |
| Last Year: | 14% |
Last Updated: September 5, 2025, 1:05 pm
Balance Sheet
Last Updated: December 10, 2025, 3:19 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 62 | 62 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 |
| Reserves | 676 | 750 | 892 | 1,075 | 1,246 | 1,465 | 1,724 | 1,997 | 2,173 | 2,454 | 2,831 | 3,251 | 3,425 |
| Borrowing | 3,902 | 5,104 | 6,538 | 7,560 | 8,134 | 9,349 | 10,109 | 10,197 | 9,692 | 9,924 | 10,701 | 11,139 | 11,494 |
| Other Liabilities | 96 | 159 | 270 | 345 | 288 | 81 | 99 | 108 | 70 | 83 | 112 | 150 | 206 |
| Total Liabilities | 4,736 | 6,076 | 7,763 | 9,043 | 9,731 | 10,957 | 11,995 | 12,365 | 11,997 | 12,523 | 13,707 | 14,602 | 15,187 |
| Fixed Assets | 5 | 9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 | 58 | 78 | 89 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4 | 3 | 0 |
| Investments | 12 | 12 | 12 | 16 | 16 | 22 | 22 | 22 | 32 | 32 | 131 | 211 | 130 |
| Other Assets | 4,719 | 6,054 | 7,742 | 9,018 | 9,702 | 10,919 | 11,935 | 12,311 | 11,930 | 12,448 | 13,514 | 14,310 | 14,968 |
| Total Assets | 4,736 | 6,076 | 7,763 | 9,043 | 9,731 | 10,957 | 11,995 | 12,365 | 11,997 | 12,523 | 13,707 | 14,602 | 15,187 |
Below is a detailed analysis of the balance sheet data for Repco Home Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 63.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 63.00 Cr..
- For Reserves, as of Sep 2025, the value is 3,425.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,251.00 Cr. (Mar 2025) to 3,425.00 Cr., marking an increase of 174.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 206.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 150.00 Cr. (Mar 2025) to 206.00 Cr., marking an increase of 56.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 15,187.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 14,602.00 Cr. (Mar 2025) to 15,187.00 Cr., marking an increase of 585.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 89.00 Cr.. The value appears strong and on an upward trend. It has increased from 78.00 Cr. (Mar 2025) to 89.00 Cr., marking an increase of 11.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 3.00 Cr..
- For Investments, as of Sep 2025, the value is 130.00 Cr.. The value appears to be declining and may need further review. It has decreased from 211.00 Cr. (Mar 2025) to 130.00 Cr., marking a decrease of 81.00 Cr..
- For Other Assets, as of Sep 2025, the value is 14,968.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,310.00 Cr. (Mar 2025) to 14,968.00 Cr., marking an increase of 658.00 Cr..
- For Total Assets, as of Sep 2025, the value is 15,187.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,602.00 Cr. (Mar 2025) to 15,187.00 Cr., marking an increase of 585.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 56.00 | 67.00 | 93.00 | 109.00 | 143.00 | 101.00 | 143.00 | 172.00 | 335.00 | 173.00 | 142.00 | 132.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 16% | 16% | 17% | 17% | 16% | 17% | 17% | 15% | 9% | 12% | 15% | 14% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Bandhan Small Cap Fund | 4,120,781 | 0.9 | 170.95 | 3,957,702 | 2026-01-26 08:21:04 | 4.12% |
| ICICI Prudential Banking and Financial Services | 2,498,140 | 0.93 | 103.64 | N/A | N/A | N/A |
| ICICI Prudential Smallcap Fund | 1,790,483 | 0.88 | 74.28 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 900,000 | 0.76 | 37.34 | 1,097,053 | 2025-12-08 06:36:54 | -17.96% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 865,684 | 0.97 | 35.91 | N/A | N/A | N/A |
| Tata Banking and Financial Services Fund | 825,000 | 1.06 | 34.23 | 750,000 | 2025-12-07 18:16:10 | 10% |
| WhiteOak Capital Flexi Cap Fund | 583,048 | 0.34 | 24.19 | 576,264 | 2025-12-15 02:14:18 | 1.18% |
| HDFC Housing Opportunities Fund | 539,758 | 1.75 | 22.39 | 551,564 | 2025-12-07 18:16:10 | -2.14% |
| WhiteOak Capital Special Opportunities Fund | 463,689 | 1.37 | 19.24 | N/A | N/A | N/A |
| HDFC Infrastructure Fund | 428,000 | 0.72 | 17.76 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 73.76 | 66.55 | 50.56 | 31.03 | 47.99 |
| Diluted EPS (Rs.) | 73.76 | 66.55 | 50.56 | 31.03 | 47.99 |
| Cash EPS (Rs.) | 74.22 | 66.00 | 49.72 | 32.67 | 48.05 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 547.80 | 477.20 | 413.87 | 366.04 | 337.73 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 547.80 | 477.20 | 413.87 | 366.04 | 337.73 |
| Revenue From Operations / Share (Rs.) | 269.37 | 243.69 | 205.20 | 206.23 | 219.54 |
| PBDIT / Share (Rs.) | 252.27 | 221.95 | 178.52 | 153.82 | 193.41 |
| PBIT / Share (Rs.) | 247.69 | 219.04 | 176.12 | 151.76 | 191.34 |
| PBT / Share (Rs.) | 93.30 | 83.87 | 64.06 | 41.48 | 62.31 |
| Net Profit / Share (Rs.) | 69.64 | 63.09 | 47.33 | 30.62 | 45.97 |
| NP After MI And SOA / Share (Rs.) | 73.77 | 66.55 | 50.56 | 31.03 | 47.99 |
| PBDIT Margin (%) | 93.65 | 91.07 | 86.99 | 74.58 | 88.09 |
| PBIT Margin (%) | 91.95 | 89.88 | 85.82 | 73.58 | 87.15 |
| PBT Margin (%) | 34.63 | 34.41 | 31.21 | 20.11 | 28.38 |
| Net Profit Margin (%) | 25.85 | 25.89 | 23.06 | 14.84 | 20.93 |
| NP After MI And SOA Margin (%) | 27.38 | 27.30 | 24.63 | 15.04 | 21.85 |
| Return on Networth / Equity (%) | 13.46 | 13.94 | 12.21 | 8.47 | 14.20 |
| Return on Capital Employeed (%) | 44.15 | 45.00 | 41.86 | 40.90 | 55.06 |
| Return On Assets (%) | 3.13 | 3.01 | 2.51 | 1.61 | 2.41 |
| Total Debt / Equity (X) | 3.25 | 3.58 | 3.83 | 4.23 | 4.83 |
| Asset Turnover Ratio (%) | 0.11 | 0.11 | 0.10 | 0.10 | 0.11 |
| Current Ratio (X) | 1.30 | 1.27 | 1.26 | 1.23 | 1.21 |
| Quick Ratio (X) | 1.30 | 1.27 | 1.26 | 1.23 | 1.21 |
| Dividend Payout Ratio (NP) (%) | 4.06 | 4.81 | 4.94 | 8.05 | 5.20 |
| Dividend Payout Ratio (CP) (%) | 3.82 | 4.61 | 4.72 | 7.55 | 4.99 |
| Earning Retention Ratio (%) | 95.94 | 95.19 | 95.06 | 91.95 | 94.80 |
| Cash Earning Retention Ratio (%) | 96.18 | 95.39 | 95.28 | 92.45 | 95.01 |
| Interest Coverage Ratio (X) | 1.63 | 1.64 | 1.59 | 1.39 | 1.50 |
| Interest Coverage Ratio (Post Tax) (X) | 1.45 | 1.47 | 1.42 | 1.28 | 1.36 |
| Enterprise Value (Cr.) | 13100.44 | 12699.56 | 10593.85 | 10187.90 | 11850.36 |
| EV / Net Operating Revenue (X) | 7.77 | 8.33 | 8.25 | 7.90 | 8.63 |
| EV / EBITDA (X) | 8.30 | 9.15 | 9.49 | 10.59 | 9.79 |
| MarketCap / Net Operating Revenue (X) | 1.24 | 1.64 | 0.87 | 0.85 | 1.53 |
| Retention Ratios (%) | 95.93 | 95.18 | 95.05 | 91.94 | 94.79 |
| Price / BV (X) | 0.61 | 0.83 | 0.43 | 0.48 | 0.99 |
| Price / Net Operating Revenue (X) | 1.24 | 1.64 | 0.87 | 0.85 | 1.53 |
| EarningsYield | 0.21 | 0.16 | 0.28 | 0.17 | 0.14 |
After reviewing the key financial ratios for Repco Home Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 73.76. This value is within the healthy range. It has increased from 66.55 (Mar 24) to 73.76, marking an increase of 7.21.
- For Diluted EPS (Rs.), as of Mar 25, the value is 73.76. This value is within the healthy range. It has increased from 66.55 (Mar 24) to 73.76, marking an increase of 7.21.
- For Cash EPS (Rs.), as of Mar 25, the value is 74.22. This value is within the healthy range. It has increased from 66.00 (Mar 24) to 74.22, marking an increase of 8.22.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 547.80. It has increased from 477.20 (Mar 24) to 547.80, marking an increase of 70.60.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 547.80. It has increased from 477.20 (Mar 24) to 547.80, marking an increase of 70.60.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 269.37. It has increased from 243.69 (Mar 24) to 269.37, marking an increase of 25.68.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 252.27. This value is within the healthy range. It has increased from 221.95 (Mar 24) to 252.27, marking an increase of 30.32.
- For PBIT / Share (Rs.), as of Mar 25, the value is 247.69. This value is within the healthy range. It has increased from 219.04 (Mar 24) to 247.69, marking an increase of 28.65.
- For PBT / Share (Rs.), as of Mar 25, the value is 93.30. This value is within the healthy range. It has increased from 83.87 (Mar 24) to 93.30, marking an increase of 9.43.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 69.64. This value is within the healthy range. It has increased from 63.09 (Mar 24) to 69.64, marking an increase of 6.55.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 73.77. This value is within the healthy range. It has increased from 66.55 (Mar 24) to 73.77, marking an increase of 7.22.
- For PBDIT Margin (%), as of Mar 25, the value is 93.65. This value is within the healthy range. It has increased from 91.07 (Mar 24) to 93.65, marking an increase of 2.58.
- For PBIT Margin (%), as of Mar 25, the value is 91.95. This value exceeds the healthy maximum of 20. It has increased from 89.88 (Mar 24) to 91.95, marking an increase of 2.07.
- For PBT Margin (%), as of Mar 25, the value is 34.63. This value is within the healthy range. It has increased from 34.41 (Mar 24) to 34.63, marking an increase of 0.22.
- For Net Profit Margin (%), as of Mar 25, the value is 25.85. This value exceeds the healthy maximum of 10. It has decreased from 25.89 (Mar 24) to 25.85, marking a decrease of 0.04.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 27.38. This value exceeds the healthy maximum of 20. It has increased from 27.30 (Mar 24) to 27.38, marking an increase of 0.08.
- For Return on Networth / Equity (%), as of Mar 25, the value is 13.46. This value is below the healthy minimum of 15. It has decreased from 13.94 (Mar 24) to 13.46, marking a decrease of 0.48.
- For Return on Capital Employeed (%), as of Mar 25, the value is 44.15. This value is within the healthy range. It has decreased from 45.00 (Mar 24) to 44.15, marking a decrease of 0.85.
- For Return On Assets (%), as of Mar 25, the value is 3.13. This value is below the healthy minimum of 5. It has increased from 3.01 (Mar 24) to 3.13, marking an increase of 0.12.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.25. This value exceeds the healthy maximum of 1. It has decreased from 3.58 (Mar 24) to 3.25, marking a decrease of 0.33.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.11. There is no change compared to the previous period (Mar 24) which recorded 0.11.
- For Current Ratio (X), as of Mar 25, the value is 1.30. This value is below the healthy minimum of 1.5. It has increased from 1.27 (Mar 24) to 1.30, marking an increase of 0.03.
- For Quick Ratio (X), as of Mar 25, the value is 1.30. This value is within the healthy range. It has increased from 1.27 (Mar 24) to 1.30, marking an increase of 0.03.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 4.06. This value is below the healthy minimum of 20. It has decreased from 4.81 (Mar 24) to 4.06, marking a decrease of 0.75.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 3.82. This value is below the healthy minimum of 20. It has decreased from 4.61 (Mar 24) to 3.82, marking a decrease of 0.79.
- For Earning Retention Ratio (%), as of Mar 25, the value is 95.94. This value exceeds the healthy maximum of 70. It has increased from 95.19 (Mar 24) to 95.94, marking an increase of 0.75.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 96.18. This value exceeds the healthy maximum of 70. It has increased from 95.39 (Mar 24) to 96.18, marking an increase of 0.79.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.63. This value is below the healthy minimum of 3. It has decreased from 1.64 (Mar 24) to 1.63, marking a decrease of 0.01.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.45. This value is below the healthy minimum of 3. It has decreased from 1.47 (Mar 24) to 1.45, marking a decrease of 0.02.
- For Enterprise Value (Cr.), as of Mar 25, the value is 13,100.44. It has increased from 12,699.56 (Mar 24) to 13,100.44, marking an increase of 400.88.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 7.77. This value exceeds the healthy maximum of 3. It has decreased from 8.33 (Mar 24) to 7.77, marking a decrease of 0.56.
- For EV / EBITDA (X), as of Mar 25, the value is 8.30. This value is within the healthy range. It has decreased from 9.15 (Mar 24) to 8.30, marking a decrease of 0.85.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.24. This value is within the healthy range. It has decreased from 1.64 (Mar 24) to 1.24, marking a decrease of 0.40.
- For Retention Ratios (%), as of Mar 25, the value is 95.93. This value exceeds the healthy maximum of 70. It has increased from 95.18 (Mar 24) to 95.93, marking an increase of 0.75.
- For Price / BV (X), as of Mar 25, the value is 0.61. This value is below the healthy minimum of 1. It has decreased from 0.83 (Mar 24) to 0.61, marking a decrease of 0.22.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.24. This value is within the healthy range. It has decreased from 1.64 (Mar 24) to 1.24, marking a decrease of 0.40.
- For EarningsYield, as of Mar 25, the value is 0.21. This value is below the healthy minimum of 5. It has increased from 0.16 (Mar 24) to 0.21, marking an increase of 0.05.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Repco Home Finance Ltd:
- Net Profit Margin: 25.85%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 44.15% (Industry Average ROCE: 48.21%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 13.46% (Industry Average ROE: 13.33%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.45
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.3
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 5.94 (Industry average Stock P/E: 10.72)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.25
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 25.85%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | Repco Tower, No.33, North Usman Road, Chennai (Madras) Tamil Nadu 600017 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. C Thangaraju | Chairman, Non Ind & Non Exe Director |
| Mr. T Karunakaran | Managing Director & CEO |
| Mr. E Santhanam | Non Exe.Non Ind.Director |
| Mrs. Usha Ravi | Ind. Non-Executive Director |
| Mr. B Raj Kumar | Ind. Non-Executive Director |
| Mr. R Vaithianathan | Ind. Non-Executive Director |
| Mr. Mrinal Kanti Bhattacharya | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Repco Home Finance Ltd?
Repco Home Finance Ltd's intrinsic value (as of 11 February 2026) is ₹447.91 which is 7.67% higher the current market price of ₹416.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹2,604 Cr. market cap, FY2025-2026 high/low of ₹464/308, reserves of ₹3,425 Cr, and liabilities of ₹15,187 Cr.
What is the Market Cap of Repco Home Finance Ltd?
The Market Cap of Repco Home Finance Ltd is 2,604 Cr..
What is the current Stock Price of Repco Home Finance Ltd as on 11 February 2026?
The current stock price of Repco Home Finance Ltd as on 11 February 2026 is ₹416.
What is the High / Low of Repco Home Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Repco Home Finance Ltd stocks is ₹464/308.
What is the Stock P/E of Repco Home Finance Ltd?
The Stock P/E of Repco Home Finance Ltd is 5.94.
What is the Book Value of Repco Home Finance Ltd?
The Book Value of Repco Home Finance Ltd is 557.
What is the Dividend Yield of Repco Home Finance Ltd?
The Dividend Yield of Repco Home Finance Ltd is 1.08 %.
What is the ROCE of Repco Home Finance Ltd?
The ROCE of Repco Home Finance Ltd is 11.1 %.
What is the ROE of Repco Home Finance Ltd?
The ROE of Repco Home Finance Ltd is 14.2 %.
What is the Face Value of Repco Home Finance Ltd?
The Face Value of Repco Home Finance Ltd is 10.0.