Repco Home Finance Limited REPCOHOME NSEFINANCIAL
Financial Services · Mortgage Finance · India
Repco Home Finance Limited operates as a housing finance company in India. The company offers dream home, composite, fifty plus, NRI housing, plot, Repco privilege, green and easy home, advantage, and home 25 loans. It also offers repair, renovation, extension, and multipurpose loans, including home makeover and super loans. In addition, the company provides new horizon, prosperity, commercial real estate, and Repco nivaran plus loan. Repco Home Finance Limited was incorporated in 2000 and is headquartered in Chennai, India.
READ MORE ›₹384.00
+1.65% 1Y
Market & Price
Market Cap
₹2,402.36 Cr
Current Price
₹384.00
High / Low (52W)
₹448.04 / ₹336.60
Beta
0.41
Valuation
Stock P/E
5.05
Industry PE
19.12
Forward P/E
4.80
PEG Ratio
-
Book Value
₹577.19
Price to Book
0.67
P/S
2.89
EV/EBITDA
-
Dividend Yield
2.34%
Profitability & Returns
ROCE
3.30%
ROE
-
ROA
-
Profit Margin
55.46%
Op Margin
66.57%
EPS (Latest Qtr)
₹21.61
EPS (TTM)
₹75.99
Balance Sheet & Liquidity
Debt/Equity
3.18
Quick Ratio
-
Current Ratio
-
Debt
₹11,494.04 Cr
Total Assets
₹16,444.28 Cr
Current Assets
₹15,892.22 Cr
Working Capital
₹15,888.57 Cr
Ownership
Promoter Holding
37.13%
Chg in Prom Hold
-
FII / Inst Holding
30.76%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹13,588.59 Cr
Total Revenue (TTM)
₹830.97 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
-
Shares Outstanding
₹6.26 Cr
Gross Margin
99.48%
Payout Ratio
8.82%
Growth (CAGR)
Revenue 5Y
44.85%
Profit 5Y
14.55%
Revenue (YoY)
13.30%
Earnings (YoY)
2.00%
PROS
- Excellent profit margin of 55.5%.
- Compounding revenue at 44.9% over 5 years.
- Profit CAGR of 14.6% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | REPCOHOME Repco Home Finance Limited NSEFINANCIAL | 384.00 | 5.05 | ₹2,402.36 Cr | 2.34% | 3.30% | - | 44.85% | 14.55% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 418.59 Cr | 431.31 Cr | 439.57 Cr | 452.09 Cr | 451.34 Cr |
| Cost of Revenue | - | - | 279.47 Cr | 271.90 Cr | 278.71 Cr | 291.24 Cr | 290.83 Cr |
| Gross Profit | - | - | 139.12 Cr | 159.41 Cr | 160.86 Cr | 160.85 Cr | 160.51 Cr |
| Operating Expenses | - | - | 21.64 Cr | 20.96 Cr | 24.82 Cr | 29.39 Cr | 25.10 Cr |
| Operating Income | - | - | 117.48 Cr | 138.45 Cr | 136.04 Cr | 131.46 Cr | 135.41 Cr |
| EBITDA | - | - | 124.61 Cr | 146.15 Cr | 143.94 Cr | 141.73 Cr | 145.61 Cr |
| Interest Expense | 239.56 Cr | 247.52 Cr | -716.95 Cr | - | - | - | - |
| Pretax Income | - | - | 144.46 Cr | 146.33 Cr | 138.65 Cr | 148.97 Cr | 148.30 Cr |
| Tax Provision | - | - | 19.75 Cr | 38.38 Cr | 35.50 Cr | 40.20 Cr | 19.19 Cr |
| Net Income | - | - | 130.42 Cr | 115.14 Cr | 109.66 Cr | 115.44 Cr | 135.18 Cr |
| Diluted EPS | - | - | 20.85 | 18.40 | 17.09 | 18.45 | 21.61 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 584.32 Cr | 1,514.81 Cr | 1,690.15 Cr | 1,775.87 Cr |
| Cost of Revenue | - | - | 932.16 Cr | 1,085.78 Cr | 1,132.68 Cr |
| Gross Profit | - | - | 582.65 Cr | 604.37 Cr | 643.19 Cr |
| Operating Expenses | - | 145.76 Cr | 82.46 Cr | 73.37 Cr | 100.27 Cr |
| Operating Income | - | - | 500.19 Cr | 531.00 Cr | 542.92 Cr |
| EBITDA | - | 1,116.80 Cr | 541.76 Cr | 559.64 Cr | 578.99 Cr |
| Interest Expense | 689.93 Cr | 701.07 Cr | 1.98 Cr | 3.11 Cr | - |
| Pretax Income | - | 400.76 Cr | 521.56 Cr | 574.04 Cr | 582.25 Cr |
| Tax Provision | - | 104.68 Cr | 130.02 Cr | 128.62 Cr | 133.27 Cr |
| Net Income | - | 316.28 Cr | 413.15 Cr | 471.25 Cr | 475.42 Cr |
| Diluted EPS | - | 50.56 | 66.04 | 75.33 | 75.99 |
Compounded Sales Growth
| 5 Years: | 44.85% |
| 1 Year: | 13.30% |
Compounded Profit Growth
| 5 Years: | 14.55% |
| 1 Year: | 2.00% |
Stock Price Performance
| 1 Year: | +1.65% |
| 6 Months: | -4.34% |
| 3 Months: | -2.28% |
| 1 Month: | -6.35% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 12,596.43 Cr | 13,798.56 Cr | 14,715.73 Cr | 16,444.28 Cr |
| Current Assets | - | - | 1,489.07 Cr | 1,394.79 Cr | 15,892.22 Cr |
| Cash & Equivalents | - | 459.86 Cr | 348.08 Cr | 135.94 Cr | 287.19 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | - | - | - | - |
| Total Liabilities | - | 10,007.26 Cr | 10,813.16 Cr | 11,288.69 Cr | 12,403.55 Cr |
| Current Liabilities | - | - | 2,480.42 Cr | 2,499.92 Cr | 3.65 Cr |
| Long Term Debt | - | - | 8,250.81 Cr | 8,680.90 Cr | 12,206.01 Cr |
| Total Debt | - | 9,946.01 Cr | 10,701.04 Cr | 11,139.09 Cr | 12,206.01 Cr |
| Total Equity | - | 2,589.17 Cr | 2,985.40 Cr | 3,427.04 Cr | 4,040.73 Cr |
| Shares Outstanding | - | 6.26 Cr | 6.26 Cr | 6.26 Cr | 6.26 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -362.86 Cr | -684.51 Cr | -613.70 Cr | -896.20 Cr |
| Investing Cash Flow | - | 159.60 Cr | -168.71 Cr | -6.50 Cr | 58.97 Cr |
| Financing Cash Flow | - | 205.07 Cr | 747.00 Cr | 408.19 Cr | 988.22 Cr |
| Capital Expenditure | - | -8.16 Cr | -23.46 Cr | -23.20 Cr | -27.12 Cr |
| Free Cash Flow | - | -371.02 Cr | -707.97 Cr | -636.90 Cr | -923.32 Cr |
| Net Change in Cash | - | 1.81 Cr | -106.22 Cr | -212.01 Cr | 150.99 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | 38.5% | 35.8% | 36.2% |
| Operating Margin % | - | - | 33.0% | 31.4% | 30.6% |
| Net Margin % | - | 54.1% | 27.3% | 27.9% | 26.8% |
| ROE % | - | 12.2% | 13.8% | 13.8% | 11.8% |
| ROCE % | - | - | 4.4% | 4.3% | 3.3% |
Shareholding Pattern
Insiders
37.13%
Institutions
30.76%
Public Float
48.93%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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