Repco Home Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 2, 2025, 9:14 pm

Market Cap	2,116 Cr.
Current Price	340
High / Low	595/308
Stock P/E	4.89
Book Value	494
Dividend Yield	0.88 %
ROCE	10.5 %
ROE	14.6 %
Face Value	10.0
PEG Ratio	0.58

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Repco Home Finance Ltd

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	42.0 Cr.	42.0	87.9/35.3		121	0.00 %	7.86 %	%	10.0
Home First Finance Company India Ltd	8,928 Cr.	992	1,383/777	24.7	255	0.34 %	11.2 %	15.5 %	2.00
Aptus Value Housing Finance India Ltd	15,094 Cr.	302	402/268	21.3	80.3	1.49 %	14.7 %	17.2 %	2.00
Repco Home Finance Ltd	2,116 Cr.	340	595/308	4.89	494	0.88 %	10.5 %	14.6 %	10.0
PNB Housing Finance Ltd	23,779 Cr.	917	1,202/616	13.0	575	0.00 %	9.27 %	11.8 %	10.0
Industry Average	9,950.50 Cr	382.93		11.09	287.76	0.87%	11.06%	13.49%	5.64

All Competitor Stocks of Repco Home Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	322	318	302	314	327	340	364	380	387	393	408	415	436
Interest	172	168	165	169	181	186	203	207	215	220	233	240	248
Expenses	108	95	53	50	37	42	40	40	39	33	43	26	45
Financing Profit	43	56	84	95	109	113	122	132	133	140	132	149	143
Financing Margin %	13%	17%	28%	30%	33%	33%	33%	35%	34%	36%	32%	36%	33%
Other Income	4	6	5	3	4	3	2	4	6	5	8	13	9
Depreciation	3	3	4	3	4	4	4	4	5	6	4	9	8
Profit before tax	43	58	84	95	109	112	120	132	134	139	137	153	144
Tax %	26%	28%	26%	25%	26%	27%	26%	26%	26%	22%	23%	26%	26%
Net Profit	31	42	62	71	81	82	89	98	99	108	105	113	107
EPS in Rs	5.03	6.72	9.92	11.37	12.91	13.12	14.24	15.68	15.89	17.27	16.85	17.98	17.03
Gross NPA %	7.00%	7.00%	6.40%	6.50%	6.20%	5.80%	5.50%	4.93%	4.70%	4.10%	4.30%	4.00%	3.86%
Net NPA %	5.00%	4.90%	4.20%	3.80%	3.45%	3.00%	2.80%	2.16%	1.90%	1.50%	1.70%	1.60%	1.50%

Last Updated: February 28, 2025, 5:29 pm

Below is a detailed analysis of the quarterly data for Repco Home Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹248.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 240.00 Cr. (Sep 2024) to ₹248.00 Cr., marking an increase of 8.00 Cr..
For Expenses, as of Dec 2024, the value is ₹45.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26.00 Cr. (Sep 2024) to ₹45.00 Cr., marking an increase of 19.00 Cr..
For Other Income, as of Dec 2024, the value is ₹9.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Sep 2024) to ₹9.00 Cr., marking a decrease of 4.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹8.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9.00 Cr. (Sep 2024) to ₹8.00 Cr., marking a decrease of 1.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹144.00 Cr.. The value appears to be declining and may need further review. It has decreased from 153.00 Cr. (Sep 2024) to ₹144.00 Cr., marking a decrease of 9.00 Cr..
For Tax %, as of Dec 2024, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 26.00%.
For Net Profit, as of Dec 2024, the value is ₹107.00 Cr.. The value appears to be declining and may need further review. It has decreased from 113.00 Cr. (Sep 2024) to ₹107.00 Cr., marking a decrease of 6.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 17.03. The value appears to be declining and may need further review. It has decreased from 17.98 (Sep 2024) to 17.03, marking a decrease of 0.95.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:02 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	406	535	693	882	1,046	1,109	1,191	1,348	1,376	1,292	1,285	1,528	1,652
Interest	266	325	431	548	646	649	720	825	807	690	701	846	940
Expenses	32	59	72	99	116	151	110	153	182	344	182	152	147
Financing Profit	108	152	189	234	284	309	361	370	386	258	402	530	564
Financing Margin %	27%	28%	27%	27%	27%	28%	30%	27%	28%	20%	31%	35%	34%
Other Income	0	0	0	0	0	1	4	3	17	15	14	13	35
Depreciation	2	2	3	4	4	3	5	13	13	13	15	18	27
Profit before tax	107	149	186	230	280	307	360	360	390	260	401	525	572
Tax %	25%	26%	34%	35%	35%	35%	35%	22%	26%	26%	26%	25%
Net Profit	80	110	123	150	182	201	235	280	288	192	296	395	433
EPS in Rs	12.87	17.71	19.74	24.00	29.13	32.13	37.51	44.81	45.97	30.62	47.33	63.09	69.13
Dividend Payout %	9%	7%	8%	8%	7%	7%	7%	6%	5%	8%	6%	5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	37.50%	11.82%	21.95%	21.33%	10.44%	16.92%	19.15%	2.86%	-33.33%	54.17%	33.45%
Change in YoY Net Profit Growth (%)	0.00%	-25.68%	10.13%	-0.62%	-10.89%	6.48%	2.23%	-16.29%	-36.19%	87.50%	-20.72%

Repco Home Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	11%
5 Years:	5%
3 Years:	4%
TTM:	12%

Compounded Profit Growth
10 Years:	14%
5 Years:	11%
3 Years:	11%
TTM:	17%

Stock Price CAGR
10 Years:	-6%
5 Years:	26%
3 Years:	22%
1 Year:	-20%

Return on Equity
10 Years:	14%
5 Years:	13%
3 Years:	12%
Last Year:	15%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 2:57 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	62	62	62	63	63	63	63	63	63	63	63	63	63
Reserves	572	676	750	892	1,075	1,246	1,465	1,724	1,997	2,173	2,454	2,831	3,030
Deposits	0	0	0	0	0	0	0	0	0	0	0	0	0
Borrowings	3,065	3,902	5,104	6,538	7,560	8,134	9,349	10,109	10,197	9,692	9,924	10,701	11,474
Other Liabilities	93	96	159	270	345	288	81	99	108	70	83	110	120
Total Liabilities	3,792	4,736	6,076	7,763	9,043	9,731	10,957	11,995	12,365	11,997	12,523	13,705	14,687
Fixed Assets	4	5	9	9	9	14	16	37	31	35	40	58	78
CWIP	0	0	0	0	0	0	0	0	0	0	4	4	0
Investments	8	12	12	12	16	16	22	22	22	32	32	32	176
Other Assets	3,780	4,719	6,054	7,742	9,018	9,702	10,919	11,935	12,311	11,930	12,448	13,612	14,432
Total Assets	3,792	4,736	6,076	7,763	9,043	9,731	10,957	11,995	12,365	11,997	12,523	13,705	14,687

Below is a detailed analysis of the balance sheet data for Repco Home Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹3,030.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,831.00 Cr. (Mar 2024) to ₹3,030.00 Cr., marking an increase of 199.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹11,474.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 10,701.00 Cr. (Mar 2024) to ₹11,474.00 Cr., marking an increase of 773.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹120.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 110.00 Cr. (Mar 2024) to ₹120.00 Cr., marking an increase of 10.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹14,687.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 13,705.00 Cr. (Mar 2024) to ₹14,687.00 Cr., marking an increase of 982.00 Cr..
For Fixed Assets, as of Sep 2024, 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 Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 4.00 Cr..
For Investments, as of Sep 2024, the value is ₹176.00 Cr.. The value appears strong and on an upward trend. It has increased from 32.00 Cr. (Mar 2024) to ₹176.00 Cr., marking an increase of 144.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹14,432.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,612.00 Cr. (Mar 2024) to ₹14,432.00 Cr., marking an increase of 820.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹14,687.00 Cr.. The value appears strong and on an upward trend. It has increased from 13,705.00 Cr. (Mar 2024) to ₹14,687.00 Cr., marking an increase of 982.00 Cr..

However, the Borrowings (11,474.00 Cr.) are higher than the Reserves (₹3,030.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	104	-1,011	-1,193	-1,414	-1,001	-557	-1,015	349	849	691	-363	-685
Cash from Investing Activity +	-4	-6	-7	-7	-6	0	-11	-3	12	-163	160	-109
Cash from Financing Activity +	91	829	1,195	1,424	1,009	562	1,058	-79	-730	-531	205	747
Net Cash Flow	191	-188	-5	3	2	5	32	267	131	-2	2	-46

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	32.00	59.00	72.00	99.00	116.00	151.00	110.00	153.00	182.00	344.00	182.00	152.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	17%	16%	16%	17%	17%	16%	17%	17%	15%	9%	12%	15%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%
FIIs	17.91%	16.31%	18.84%	16.64%	14.55%	13.41%	15.29%	13.78%	13.95%	14.04%	12.90%	12.52%
DIIs	19.71%	16.64%	16.86%	16.96%	18.03%	19.55%	18.40%	19.09%	19.57%	18.79%	19.90%	20.56%
Public	25.24%	29.91%	27.15%	29.26%	30.28%	29.91%	29.17%	29.98%	29.34%	30.02%	30.05%	29.77%
No. of Shareholders	44,840	47,243	48,709	47,491	48,174	44,530	43,101	41,571	42,934	45,257	54,142	54,951

Shareholding Pattern Chart

No. of Shareholders

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	1,097,053	2025-04-02	240.34%
Aditya Birla Sun Life Banking And Financial Services Fund	2,124,553	2.88	83.94	1,097,053	2025-04-02	93.66%
Aditya Birla Sun Life Small Cap Fund	1,097,053	0.86	43.34	1,097,053	2025-04-02	0%
Tata Banking and Financial Services Fund	750,000	1.66	29.63	1,097,053	2025-04-02	-31.64%
HDFC Banking and Financial Services Fund	744,366	0.99	29.41	1,097,053	2025-04-02	-32.15%
HDFC Housing Opportunities Fund	551,564	1.77	21.79	1,097,053	2025-04-02	-49.72%
Mirae Asset Banking and Financial Services Fund	489,790	1.28	19.35	1,097,053	2025-04-02	-55.35%
HDFC Infrastructure Fund - Regular Plan	428,000	1.57	16.91	1,097,053	2025-04-02	-60.99%
Tata Young Citizens Fund (After 7 Years) - Regular Plan	97,856	1.26	3.87	1,097,053	2025-04-02	-91.08%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	66.55	50.56	31.03	47.99	47.66
Diluted EPS (Rs.)	66.55	50.56	31.03	47.99	47.66
Cash EPS (Rs.)	66.00	49.72	32.67	48.05	46.88
Book Value[Excl.RevalReserv]/Share (Rs.)	477.20	413.87	366.04	337.73	292.52
Book Value[Incl.RevalReserv]/Share (Rs.)	477.20	413.87	366.04	337.73	292.52
Revenue From Operations / Share (Rs.)	243.69	205.20	206.23	219.54	215.07
PBDIT / Share (Rs.)	221.95	178.52	153.82	193.41	191.51
PBIT / Share (Rs.)	219.04	176.12	151.76	191.34	189.44
PBT / Share (Rs.)	83.87	64.06	41.48	62.31	57.58
Net Profit / Share (Rs.)	63.09	47.33	30.62	45.97	44.81
NP After MI And SOA / Share (Rs.)	66.55	50.56	31.03	47.99	47.66
PBDIT Margin (%)	91.07	86.99	74.58	88.09	89.04
PBIT Margin (%)	89.88	85.82	73.58	87.15	88.08
PBT Margin (%)	34.41	31.21	20.11	28.38	26.77
Net Profit Margin (%)	25.89	23.06	14.84	20.93	20.83
NP After MI And SOA Margin (%)	27.30	24.63	15.04	21.85	22.15
Return on Networth / Equity (%)	13.94	12.21	8.47	14.20	16.29
Return on Capital Employeed (%)	45.00	41.86	40.90	55.06	46.25
Return On Assets (%)	3.01	2.51	1.61	2.41	2.47
Long Term Debt / Equity (X)	0.00	0.00	0.00	0.00	0.37
Total Debt / Equity (X)	3.58	3.83	4.23	4.83	5.52
Asset Turnover Ratio (%)	0.11	0.10	0.10	0.11	0.11
Current Ratio (X)	1.27	1.26	1.23	1.21	1.27
Quick Ratio (X)	1.27	1.26	1.23	1.21	1.27
Dividend Payout Ratio (NP) (%)	4.81	4.94	8.05	5.20	0.00
Dividend Payout Ratio (CP) (%)	4.61	4.72	7.55	4.99	0.00
Earning Retention Ratio (%)	95.19	95.06	91.95	94.80	0.00
Cash Earning Retention Ratio (%)	95.39	95.28	92.45	95.01	0.00
Interest Coverage Ratio (X)	1.64	1.59	1.39	1.50	1.45
Interest Coverage Ratio (Post Tax) (X)	1.47	1.42	1.28	1.36	1.34
Enterprise Value (Cr.)	12699.56	10593.85	10187.90	11850.36	10518.84
EV / Net Operating Revenue (X)	8.33	8.25	7.90	8.63	7.82
EV / EBITDA (X)	9.15	9.49	10.59	9.79	8.78
MarketCap / Net Operating Revenue (X)	1.64	0.87	0.85	1.53	0.54
Retention Ratios (%)	95.18	95.05	91.94	94.79	0.00
Price / BV (X)	0.83	0.43	0.48	0.99	0.40
Price / Net Operating Revenue (X)	1.64	0.87	0.85	1.53	0.54
EarningsYield	0.16	0.28	0.17	0.14	0.40

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 66.55. This value is within the healthy range. It has increased from 50.56 (Mar 23) to 66.55, marking an increase of 15.99.
For Diluted EPS (Rs.), as of Mar 24, the value is 66.55. This value is within the healthy range. It has increased from 50.56 (Mar 23) to 66.55, marking an increase of 15.99.
For Cash EPS (Rs.), as of Mar 24, the value is 66.00. This value is within the healthy range. It has increased from 49.72 (Mar 23) to 66.00, marking an increase of 16.28.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 477.20. It has increased from 413.87 (Mar 23) to 477.20, marking an increase of 63.33.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 477.20. It has increased from 413.87 (Mar 23) to 477.20, marking an increase of 63.33.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 243.69. It has increased from 205.20 (Mar 23) to 243.69, marking an increase of 38.49.
For PBDIT / Share (Rs.), as of Mar 24, the value is 221.95. This value is within the healthy range. It has increased from 178.52 (Mar 23) to 221.95, marking an increase of 43.43.
For PBIT / Share (Rs.), as of Mar 24, the value is 219.04. This value is within the healthy range. It has increased from 176.12 (Mar 23) to 219.04, marking an increase of 42.92.
For PBT / Share (Rs.), as of Mar 24, the value is 83.87. This value is within the healthy range. It has increased from 64.06 (Mar 23) to 83.87, marking an increase of 19.81.
For Net Profit / Share (Rs.), as of Mar 24, the value is 63.09. This value is within the healthy range. It has increased from 47.33 (Mar 23) to 63.09, marking an increase of 15.76.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 66.55. This value is within the healthy range. It has increased from 50.56 (Mar 23) to 66.55, marking an increase of 15.99.
For PBDIT Margin (%), as of Mar 24, the value is 91.07. This value is within the healthy range. It has increased from 86.99 (Mar 23) to 91.07, marking an increase of 4.08.
For PBIT Margin (%), as of Mar 24, the value is 89.88. This value exceeds the healthy maximum of 20. It has increased from 85.82 (Mar 23) to 89.88, marking an increase of 4.06.
For PBT Margin (%), as of Mar 24, the value is 34.41. This value is within the healthy range. It has increased from 31.21 (Mar 23) to 34.41, marking an increase of 3.20.
For Net Profit Margin (%), as of Mar 24, the value is 25.89. This value exceeds the healthy maximum of 10. It has increased from 23.06 (Mar 23) to 25.89, marking an increase of 2.83.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 27.30. This value exceeds the healthy maximum of 20. It has increased from 24.63 (Mar 23) to 27.30, marking an increase of 2.67.
For Return on Networth / Equity (%), as of Mar 24, the value is 13.94. This value is below the healthy minimum of 15. It has increased from 12.21 (Mar 23) to 13.94, marking an increase of 1.73.
For Return on Capital Employeed (%), as of Mar 24, the value is 45.00. This value is within the healthy range. It has increased from 41.86 (Mar 23) to 45.00, marking an increase of 3.14.
For Return On Assets (%), as of Mar 24, the value is 3.01. This value is below the healthy minimum of 5. It has increased from 2.51 (Mar 23) to 3.01, marking an increase of 0.50.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 24, the value is 3.58. This value exceeds the healthy maximum of 1. It has decreased from 3.83 (Mar 23) to 3.58, marking a decrease of 0.25.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.11. It has increased from 0.10 (Mar 23) to 0.11, marking an increase of 0.01.
For Current Ratio (X), as of Mar 24, the value is 1.27. This value is below the healthy minimum of 1.5. It has increased from 1.26 (Mar 23) to 1.27, marking an increase of 0.01.
For Quick Ratio (X), as of Mar 24, the value is 1.27. This value is within the healthy range. It has increased from 1.26 (Mar 23) to 1.27, marking an increase of 0.01.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 4.81. This value is below the healthy minimum of 20. It has decreased from 4.94 (Mar 23) to 4.81, marking a decrease of 0.13.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 4.61. This value is below the healthy minimum of 20. It has decreased from 4.72 (Mar 23) to 4.61, marking a decrease of 0.11.
For Earning Retention Ratio (%), as of Mar 24, the value is 95.19. This value exceeds the healthy maximum of 70. It has increased from 95.06 (Mar 23) to 95.19, marking an increase of 0.13.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 95.39. This value exceeds the healthy maximum of 70. It has increased from 95.28 (Mar 23) to 95.39, marking an increase of 0.11.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.64. This value is below the healthy minimum of 3. It has increased from 1.59 (Mar 23) to 1.64, marking an increase of 0.05.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.47. This value is below the healthy minimum of 3. It has increased from 1.42 (Mar 23) to 1.47, marking an increase of 0.05.
For Enterprise Value (Cr.), as of Mar 24, the value is 12,699.56. It has increased from 10,593.85 (Mar 23) to 12,699.56, marking an increase of 2,105.71.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 8.33. This value exceeds the healthy maximum of 3. It has increased from 8.25 (Mar 23) to 8.33, marking an increase of 0.08.
For EV / EBITDA (X), as of Mar 24, the value is 9.15. This value is within the healthy range. It has decreased from 9.49 (Mar 23) to 9.15, marking a decrease of 0.34.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.64. This value is within the healthy range. It has increased from 0.87 (Mar 23) to 1.64, marking an increase of 0.77.
For Retention Ratios (%), as of Mar 24, the value is 95.18. This value exceeds the healthy maximum of 70. It has increased from 95.05 (Mar 23) to 95.18, marking an increase of 0.13.
For Price / BV (X), as of Mar 24, the value is 0.83. This value is below the healthy minimum of 1. It has increased from 0.43 (Mar 23) to 0.83, marking an increase of 0.40.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.64. This value is within the healthy range. It has increased from 0.87 (Mar 23) to 1.64, marking an increase of 0.77.
For EarningsYield, as of Mar 24, the value is 0.16. This value is below the healthy minimum of 5. It has decreased from 0.28 (Mar 23) to 0.16, marking a decrease of 0.12.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Repco Home Finance Ltd as of April 4, 2025 is: 284.63

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Repco Home Finance Ltd is Overvalued by 16.29% compared to the current share price 340.00

Intrinsic Value of Repco Home Finance Ltd as of April 4, 2025 is: 308.83

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Repco Home Finance Ltd is Overvalued by 9.17% compared to the current share price 340.00

Last 5 Year EPS CAGR: 8.50%

*Investments are subject to market risks

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:
1. Net Profit Margin: 25.89%
  - 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.
2. ROCE: 45% (Industry Average ROCE: 11.06%)
  - 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.
3. ROE%: 13.94% (Industry Average ROE: 13.49%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.47
  - 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.
5. Quick Ratio: 1.27
  - 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.
6. Stock P/E: 4.89 (Industry average Stock P/E: 11.09)
  - 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.
7. Total Debt / Equity: 3.58
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Repco Home Finance Ltd. is a Public Limited Listed company incorporated on 04/04/2000 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65922TN2000PLC044655 and registration number is 044655. Currently Company is involved in the business activities of Financial Leasing. Company's Total Operating Revenue is Rs. 1524.52 Cr. and Equity Capital is Rs. 62.56 Cr. for the Year ended 31/03/2024.

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. K Swaminathan	Managing Director & CEO
Mr. Anant Kishore Saran	Non Exe.Non Ind.Director
Mr. E Santhanam	Non Exe.Non Ind.Director
Mrs. Usha Ravi	Ind. Non-Executive Director
Mr. B Raj Kumar	Ind. Non-Executive Director
Mr. Mrinal Kanti Bhattacharya	Ind. Non-Executive Director
Mr. R Swaminathan	Ind. Non-Executive Director
Mr. R Vaithianathan	Ind. Non-Executive Director

FAQ

What is the intrinsic value of Repco Home Finance Ltd?

Repco Home Finance Ltd's intrinsic value (as of 04 April 2025) is ₹284.63 — 16.29% lower the current market price of ₹340.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,116 Cr. market cap, FY2025-2026 high/low of ₹595/308, reserves of 3,030 Cr, and liabilities of 14,687 Cr.

What is the Market Cap of Repco Home Finance Ltd?

The Market Cap of Repco Home Finance Ltd is 2,116 Cr..

What is the current Stock Price of Repco Home Finance Ltd as on 04 April 2025?

The current stock price of Repco Home Finance Ltd as on 04 April 2025 is 340.

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 ₹595/308.

What is the Stock P/E of Repco Home Finance Ltd?

The Stock P/E of Repco Home Finance Ltd is 4.89.

What is the Book Value of Repco Home Finance Ltd?

The Book Value of Repco Home Finance Ltd is 494.

What is the Dividend Yield of Repco Home Finance Ltd?

The Dividend Yield of Repco Home Finance Ltd is 0.88 %.

What is the ROCE of Repco Home Finance Ltd?

The ROCE of Repco Home Finance Ltd is 10.5 %.

What is the ROE of Repco Home Finance Ltd?

The ROE of Repco Home Finance Ltd is 14.6 %.

What is the Face Value of Repco Home Finance Ltd?

The Face Value of Repco Home Finance Ltd is 10.0.