Share Price and Basic Stock Data
Last Updated: December 20, 2025, 4:56 pm
| PEG Ratio | 0.31 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Repco Home Finance Ltd operates in the housing finance sector, catering primarily to the needs of home buyers in India. As of the latest reporting period, the company’s revenue for FY 2025 stood at ₹1,720 Cr, a notable increase from ₹1,538 Cr in FY 2024. This upward trajectory is evident in the quarterly figures, with revenue rising from ₹340 Cr in March 2023 to ₹393 Cr by March 2024. The consistent quarterly growth, particularly in the last two reported quarters, where revenues reached ₹415 Cr and ₹436 Cr respectively, suggests a solid demand for housing loans. The company’s financing margin also reflects this positive trend, improving from 33% in June 2023 to 36% by March 2025. Such performance highlights Repco’s ability to effectively navigate the competitive landscape of home finance, positioning itself well for sustained growth.
Profitability and Efficiency Metrics
Repco’s profitability metrics paint a promising picture. The net profit recorded for FY 2025 was ₹439 Cr, a significant increase from ₹395 Cr in the previous fiscal year. The net profit margin has shown resilience, standing at 25.85% as of March 2025, only slightly down from 25.89% in March 2024, indicating the company maintains a healthy profitability despite rising operational costs. The return on equity (ROE) for the latest fiscal year was reported at 14.2%, which, while lower than the historical highs of 16-17% seen in previous years, remains competitive within the industry. Additionally, the interest coverage ratio of 1.63x suggests that the company is comfortably able to meet its interest obligations, reflecting sound financial management. However, the gross non-performing assets (NPA) have also seen a downtrend, falling to 3.26% by March 2025, which bodes well for future profitability.
Balance Sheet Strength and Financial Ratios
Repco Home Finance’s balance sheet shows a robust foundation, with total assets amounting to ₹14,602 Cr as of March 2025. This growth in assets is matched by an increase in borrowings, which stood at ₹11,139 Cr, reflecting the company’s strategy to leverage debt for growth. The reserves have also strengthened, reported at ₹3,251 Cr, indicating a solid cushion for future expansion or unexpected downturns. The price-to-book value ratio of 0.61x suggests that the stock is trading at a discount relative to its book value, potentially indicating an undervalued scenario for investors. In terms of efficiency, the return on capital employed (ROCE) is at 44.15%, which appears strong and demonstrates effective utilization of capital for generating profits. However, the total debt-to-equity ratio of 3.25x raises some concerns about leverage, suggesting that the company is significantly funded by debt, which could pose risks in a rising interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Repco Home Finance reveals a diverse investor base, with promoters holding 37.13% of the equity, while institutional investors, including foreign institutional investors (FIIs) and domestic institutional investors (DIIs), hold 11.91% and 22.70% respectively. The public holds the remaining 28.24%. This distribution indicates a balanced ownership structure, which is typically a positive signal to investors. Notably, the number of shareholders has increased to 57,026, reflecting growing interest and confidence in the company. The slight decline in FII holdings from 16.64% in December 2022 to 11.25% by March 2025 may raise eyebrows, but the stability in DII investments suggests that domestic institutions continue to believe in the company’s long-term prospects. This mixed sentiment can indicate either caution or strategic repositioning by foreign investors in the current market landscape.
Outlook, Risks, and Final Insight
Looking ahead, Repco Home Finance appears well-positioned to capitalize on the growing demand for housing finance in India. However, potential investors should remain cautious of certain risks. The high leverage indicated by the debt-to-equity ratio may expose the company to interest rate fluctuations, particularly in a rising rate environment. Additionally, while the NPA ratio has improved, any economic downturn or housing market correction could lead to an uptick in defaults. On the upside, the company’s ability to maintain strong profitability metrics and a solid capital base provides a buffer against these risks. Overall, investors may consider Repco as a potential long-term investment, but they should weigh the inherent risks associated with its leverage and market conditions against its robust operational performance and growth prospects. Keeping an eye on macroeconomic trends will be crucial for assessing the viability of this investment moving forward.
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 | 40.0 Cr. | 40.0 | 55.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,949 Cr. | 1,150 | 1,519/839 | 26.4 | 388 | 0.32 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,198 Cr. | 284 | 365/268 | 16.8 | 93.0 | 1.59 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,445 Cr. | 391 | 464/308 | 5.60 | 557 | 1.02 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 24,170 Cr. | 928 | 1,142/746 | 11.0 | 690 | 0.54 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,404.00 Cr | 422.32 | 11.53 | 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: 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 | 3,957,702 | 0.91 | 165.27 | 3,844,633 | 2025-12-15 06:52:35 | 2.94% |
| ICICI Prudential Banking and Financial Services | 2,498,140 | 0.94 | 104.32 | N/A | N/A | N/A |
| ICICI Prudential Smallcap Fund | 1,790,483 | 0.88 | 74.77 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 900,000 | 0.74 | 37.58 | 1,097,053 | 2025-12-08 06:36:54 | -17.96% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 865,684 | 0.97 | 36.15 | N/A | N/A | N/A |
| Tata Banking and Financial Services Fund | 825,000 | 1.07 | 34.45 | 750,000 | 2025-12-07 18:16:10 | 10% |
| WhiteOak Capital Flexi Cap Fund | 583,048 | 0.35 | 24.35 | 576,264 | 2025-12-15 02:14:18 | 1.18% |
| HDFC Housing Opportunities Fund | 539,758 | 1.74 | 22.54 | 551,564 | 2025-12-07 18:16:10 | -2.14% |
| HDFC Infrastructure Fund | 428,000 | 0.71 | 17.87 | N/A | N/A | N/A |
| ICICI Prudential Housing Opportunities Fund | 320,388 | 0.58 | 13.38 | 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: 5.6 (Industry average Stock P/E: 11.53)
- 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 21 December 2025) is 357.96 which is 8.45% lower the current market price of 391.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 2,445 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 2,445 Cr..
What is the current Stock Price of Repco Home Finance Ltd as on 21 December 2025?
The current stock price of Repco Home Finance Ltd as on 21 December 2025 is 391.
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 5.60.
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 1.02 %.
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.