Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:16 am
| 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 operates in the finance sector, focusing on housing finance. As of the latest data, the company reported a revenue of ₹1,285 Cr for the fiscal year ending March 2023, with a projected rise to ₹1,538 Cr in March 2024 and ₹1,720 Cr in March 2025. This indicates a steady growth trajectory, reflecting the company’s strong positioning in the housing finance market. Quarterly revenue figures also show an upward trend, increasing from ₹302 Cr in June 2022 to ₹380 Cr in September 2023, which speaks to robust demand in the housing finance segment. The company’s financing profit stood at ₹402 Cr for the fiscal year 2023 and is expected to rise to ₹541 Cr in 2024, showcasing improved operational efficiency. With a financing margin of 31% reported for March 2023, the company remains competitive, although it needs to maintain this margin amid rising interest rates affecting the sector.
Profitability and Efficiency Metrics
Repco Home Finance Ltd has demonstrated solid profitability metrics, with a net profit of ₹296 Cr in March 2023, projected to increase to ₹395 Cr in March 2024 and ₹439 Cr in March 2025. The net profit margin for March 2025 is expected to be 25.85%, reflecting effective cost management and operational efficiency. The company’s return on equity (ROE) stood at 14.2%, which is commendable given the sector’s average, indicating effective utilization of shareholders’ funds. The interest coverage ratio (ICR) of 1.63x also illustrates the company’s ability to meet its interest obligations comfortably. However, the gross and net NPA percentages have shown a decline, with gross NPA at 4.10% in March 2024 and net NPA at 1.50%, which points to improved asset quality and risk management practices. Overall, these metrics signify a healthy financial performance, though the company must remain vigilant about maintaining its profitability in a competitive market.
Balance Sheet Strength and Financial Ratios
The balance sheet of Repco Home Finance Ltd reveals a stable financial position with total assets amounting to ₹14,602 Cr as of March 2025. The company reported reserves of ₹3,251 Cr, a significant increase from ₹2,454 Cr in March 2023, indicating retained earnings and reinvestment into the business. However, total borrowings stood at ₹11,139 Cr, leading to a debt-to-equity ratio of 3.25x, which is relatively high compared to industry norms. The price-to-book value ratio (P/BV) is at 0.61x, suggesting that the stock is undervalued compared to its book value, potentially offering an attractive entry point for investors. The current ratio of 1.30x indicates adequate liquidity to cover short-term obligations. While the company has a solid capital structure, the high leverage poses risks, especially in a rising interest rate environment, where borrowing costs may escalate.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Repco Home Finance Ltd reflects a stable ownership structure, with promoters holding 37.13% of shares as of March 2025. The presence of foreign institutional investors (FIIs) has decreased to 11.25%, while domestic institutional investors (DIIs) have increased their stake to 21.09%, indicating growing domestic confidence in the company’s prospects. The public holding accounts for 28.46%, with a total of 57,026 shareholders, which shows a diverse investor base. The gradual increase in DII participation suggests a positive outlook from institutional investors regarding the company’s growth potential. However, the decline in FII shareholding may raise concerns about foreign investor sentiment, which could be influenced by broader economic factors. Overall, the stable promoter holding combined with increasing DII participation reflects investor confidence, though attention should be paid to fluctuations in foreign investment.
Outlook, Risks, and Final Insight
Looking ahead, Repco Home Finance Ltd faces both opportunities and challenges. The company’s growth in revenue and profitability metrics positions it well within the housing finance sector. However, the high debt-to-equity ratio of 3.25x poses a risk, particularly in a rising interest rate environment that could affect borrowing costs and profit margins. Additionally, the company must manage its asset quality effectively to maintain low NPA levels. While the increase in reserves and institutional investor confidence is promising, the decline in FII holdings could signal potential volatility. The outlook remains cautiously optimistic, with the potential for growth driven by the housing finance demand. Strategic management of debt and asset quality will be crucial in navigating the landscape ahead, ensuring that the company can capitalize on market opportunities while mitigating inherent risks.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Repco Home Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 38.3 Cr. | 38.3 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,566 Cr. | 1,113 | 1,519/839 | 25.6 | 388 | 0.33 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 13,933 Cr. | 278 | 365/268 | 16.5 | 93.0 | 1.60 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,587 Cr. | 414 | 511/308 | 5.93 | 557 | 0.97 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 23,727 Cr. | 911 | 1,142/746 | 10.8 | 690 | 0.55 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,336.90 Cr | 415.51 | 11.36 | 332.03 | 1.00% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 302 | 314 | 327 | 340 | 364 | 380 | 387 | 393 | 408 | 415 | 436 | 426 | 436 |
| Interest | 165 | 169 | 181 | 186 | 203 | 207 | 215 | 220 | 233 | 240 | 248 | 246 | 244 |
| Expenses | 53 | 50 | 37 | 42 | 40 | 40 | 39 | 33 | 43 | 26 | 45 | 28 | 43 |
| Financing Profit | 84 | 95 | 109 | 113 | 122 | 132 | 133 | 140 | 132 | 149 | 143 | 152 | 149 |
| Financing Margin % | 28% | 30% | 33% | 33% | 33% | 35% | 34% | 36% | 32% | 36% | 33% | 36% | 34% |
| Other Income | 5 | 3 | 4 | 3 | 2 | 4 | 6 | 5 | 8 | 13 | 9 | 9 | 5 |
| Depreciation | 4 | 3 | 4 | 4 | 4 | 4 | 5 | 6 | 4 | 9 | 8 | 7 | 8 |
| Profit before tax | 84 | 95 | 109 | 112 | 120 | 132 | 134 | 139 | 137 | 153 | 144 | 154 | 146 |
| Tax % | 26% | 25% | 26% | 27% | 26% | 26% | 26% | 22% | 23% | 26% | 26% | 25% | 26% |
| Net Profit | 62 | 71 | 81 | 82 | 89 | 98 | 99 | 108 | 105 | 113 | 107 | 115 | 108 |
| EPS in Rs | 9.92 | 11.37 | 12.91 | 13.12 | 14.24 | 15.68 | 15.89 | 17.27 | 16.85 | 17.98 | 17.03 | 18.37 | 17.26 |
| Gross NPA % | 6.40% | 6.50% | 6.20% | 5.80% | 5.50% | 4.93% | 4.70% | 4.10% | 4.30% | 4.00% | 3.86% | 3.26% | |
| Net NPA % | 4.20% | 3.80% | 3.45% | 3.00% | 2.80% | 2.16% | 1.90% | 1.50% | 1.70% | 1.60% | 1.50% | 1.30% |
Last Updated: August 20, 2025, 4:30 am
Below is a detailed analysis of the quarterly data for Repco Home Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 244.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 246.00 Cr. (Mar 2025) to 244.00 Cr., marking a decrease of 2.00 Cr..
- For Expenses, as of Jun 2025, the value is 43.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 28.00 Cr. (Mar 2025) to 43.00 Cr., marking an increase of 15.00 Cr..
- For Other Income, as of Jun 2025, the value is 5.00 Cr.. The value appears to be declining and may need further review. It has decreased from 9.00 Cr. (Mar 2025) to 5.00 Cr., marking a decrease of 4.00 Cr..
- For Depreciation, as of Jun 2025, the value is 8.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7.00 Cr. (Mar 2025) to 8.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 146.00 Cr.. The value appears to be declining and may need further review. It has decreased from 154.00 Cr. (Mar 2025) to 146.00 Cr., marking a decrease of 8.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Mar 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Jun 2025, the value is 108.00 Cr.. The value appears to be declining and may need further review. It has decreased from 115.00 Cr. (Mar 2025) to 108.00 Cr., marking a decrease of 7.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 17.26. The value appears to be declining and may need further review. It has decreased from 18.37 (Mar 2025) to 17.26, marking a decrease of 1.11.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 4:34 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: August 11, 2025, 2:40 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 62 | 62 | 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 |
| 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 |
| Other Liabilities | 96 | 159 | 270 | 345 | 288 | 81 | 99 | 108 | 70 | 83 | 112 | 150 |
| 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 |
| Fixed Assets | 5 | 9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 | 58 | 78 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4 | 3 |
| Investments | 12 | 12 | 12 | 16 | 16 | 22 | 22 | 22 | 32 | 32 | 131 | 211 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Repco Home Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 63.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 63.00 Cr..
- For Reserves, as of Mar 2025, the value is 3,251.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,831.00 Cr. (Mar 2024) to 3,251.00 Cr., marking an increase of 420.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 150.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 112.00 Cr. (Mar 2024) to 150.00 Cr., marking an increase of 38.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 14,602.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 13,707.00 Cr. (Mar 2024) to 14,602.00 Cr., marking an increase of 895.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 78.00 Cr.. The value appears strong and on an upward trend. It has increased from 58.00 Cr. (Mar 2024) to 78.00 Cr., marking an increase of 20.00 Cr..
- For CWIP, as of Mar 2025, the value is 3.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Mar 2024) to 3.00 Cr., marking a decrease of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 211.00 Cr.. The value appears strong and on an upward trend. It has increased from 131.00 Cr. (Mar 2024) to 211.00 Cr., marking an increase of 80.00 Cr..
- For Other Assets, as of Mar 2025, the value is 14,310.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,514.00 Cr. (Mar 2024) to 14,310.00 Cr., marking an increase of 796.00 Cr..
- For Total Assets, as of Mar 2025, the value is 14,602.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,707.00 Cr. (Mar 2024) to 14,602.00 Cr., marking an increase of 895.00 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 |
|---|---|---|---|---|---|---|
| HDFC Small Cap Fund - Regular Plan | 3,733,750 | 0.58 | 147.52 | 3,733,750 | 2025-04-22 15:56:54 | 0% |
| Aditya Birla Sun Life Banking And Financial Services Fund | 2,124,553 | 2.88 | 83.94 | 2,124,553 | 2025-04-22 15:56:54 | 0% |
| Aditya Birla Sun Life Small Cap Fund | 1,097,053 | 0.86 | 43.34 | 1,097,053 | 2025-04-22 15:54:45 | 0% |
| Tata Banking and Financial Services Fund | 750,000 | 1.66 | 29.63 | 750,000 | 2025-04-22 15:56:54 | 0% |
| HDFC Banking and Financial Services Fund | 744,366 | 0.99 | 29.41 | 744,366 | 2025-04-22 15:56:54 | 0% |
| HDFC Housing Opportunities Fund | 551,564 | 1.77 | 21.79 | 551,564 | 2025-04-22 15:56:54 | 0% |
| Mirae Asset Banking and Financial Services Fund | 489,790 | 1.28 | 19.35 | 489,790 | 2025-04-22 15:56:54 | 0% |
| HDFC Infrastructure Fund - Regular Plan | 428,000 | 1.57 | 16.91 | 428,000 | 2025-04-22 13:48:27 | 0% |
| Tata Young Citizens Fund (After 7 Years) - Regular Plan | 97,856 | 1.26 | 3.87 | 97,856 | 2025-04-22 14:38:38 | 0% |
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
Unable to fetch valid data for stock valuation.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: 5.93 (Industry average Stock P/E: 11.36)
- 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 | cs@repcohome.com https://www.repcohome.com |
| 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 01 December 2025) is 378.86 which is 8.49% lower the current market price of 414.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,587 Cr. market cap, FY2025-2026 high/low of 511/308, reserves of ₹3,251 Cr, and liabilities of 14,602 Cr.
What is the Market Cap of Repco Home Finance Ltd?
The Market Cap of Repco Home Finance Ltd is 2,587 Cr..
What is the current Stock Price of Repco Home Finance Ltd as on 01 December 2025?
The current stock price of Repco Home Finance Ltd as on 01 December 2025 is 414.
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 511/308.
What is the Stock P/E of Repco Home Finance Ltd?
The Stock P/E of Repco Home Finance Ltd is 5.93.
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 0.97 %.
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.