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Repco Home Finance Limited REPCOHOME NSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.repcohome.com
Company Profile ↓
₹326.85
-12.90% 1Y
Mkt Cap₹2,044.82 Cr
P/E4.27
P/B0.51
Div. Yield3.53%
52W High₹444.33
52W Low₹326.45
Book Value₹645.96
EPS (TTM)₹76.59

Company Overview

Repco Home Finance Limited operates as a non-banking financial and housing finance company in India. It offers housing finance to purchase, construction, repairs, and renovations. The company was incorporated in 2000 and is headquartered in Chennai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 14.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 44.9% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 4.3, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 56.8%.

Dividend Income

Offers a dividend yield of 3.53%.

Recent Developments

  • Mar 2026 Revenue of ₹1,775.87 Cr (+5.1% YoY); net profit ₹475.42 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +3.8%, earnings +5.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 44.9%, profit CAGR 14.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:44.85%
1 Year:3.80%

Compounded Profit Growth

5 Years:14.55%
1 Year:5.70%

Stock Price Performance

1 Year:-12.90%
6 Months:-20.53%
3 Months:-15.61%
1 Month:-8.99%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 0% of range
₹326.45 ₹444.33
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)39.11 · Neutral
Price Performance
1M-8.99%
3M-15.61%
6M-20.53%
1Y-12.90%
Valuation vs Sector

P/E of 4.27 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 56.8%.
  • Compounding revenue at 44.9% over 5 years.
  • Profit CAGR of 14.6% over 5 years.
  • Attractive dividend yield of 3.53%.

CONS

  • Trading 26.4% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
4.27
Industry PE
15.36
Forward P/E
4.13
PEG Ratio
-
Book Value
₹645.96
Price to Book
0.51
P/S
2.43
EV/EBITDA
24.81
Dividend Yield
3.53%

Growth (CAGR)

Revenue 5Y
44.85%
Profit 5Y
14.55%
Revenue (YoY)
3.80%
Earnings (YoY)
5.70%

Profitability & Returns

ROCE
4.27%
ROE
11.77%
ROA
2.89%
Profit Margin
56.80%
Op Margin
71.40%
Gross Margin
100.00%
EPS (Latest Qtr)
₹19.44
EPS (TTM)
₹76.59

Balance Sheet & Liquidity

Debt/Equity
3.02
Quick Ratio
-
Current Ratio
0.52
Debt
₹12,206.01 Cr
Total Assets
₹16,444.28 Cr
Current Assets
₹1,396.84 Cr
Working Capital
₹-1,304.48 Cr

Ownership

Promoter Holding
37.13%
Chg in Prom Hold
-
FII / Inst Holding
34.40%
Chg in FII Hold
-3.23%

Financial Snapshot

Enterprise Value
₹2,044.82 Cr
Total Revenue (TTM)
₹848.39 Cr
EBITDA
₹623.12 Cr
Free Cash Flow
₹-923.33 Cr
Operating Cash Flow
₹-896.21 Cr
Shares Outstanding
₹6.26 Cr
Gross Margin
100.00%
Payout Ratio
11.10%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 REPCOHOME Repco Home Finance Limited NSEFINANCIAL 326.85 4.27 ₹2,044.82 Cr 3.53% 4.27% 11.77% 44.85% 14.55%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 340.00 Cr364.00 Cr380.00 Cr387.00 Cr393.00 Cr408.00 Cr---432.87 Cr439.57 Cr452.09 Cr451.34 Cr462.39 Cr
Cost of Revenue ---------271.90 Cr278.71 Cr291.24 Cr290.83 Cr285.51 Cr
Gross Profit ---------160.97 Cr160.86 Cr160.85 Cr160.51 Cr176.88 Cr
Operating Expenses 42.00 Cr40.00 Cr40.00 Cr39.00 Cr33.00 Cr43.00 Cr---20.96 Cr24.82 Cr29.39 Cr25.10 Cr21.86 Cr
Operating Income ---------140.01 Cr136.04 Cr131.46 Cr135.41 Cr155.02 Cr
EBITDA ---------147.71 Cr143.94 Cr141.73 Cr145.61 Cr165.40 Cr
Interest Expense 186.00 Cr203.00 Cr207.00 Cr215.00 Cr220.00 Cr233.00 Cr239.56 Cr247.52 Cr-716.95 Cr-----
Pretax Income 112.00 Cr120.00 Cr129.00 Cr134.00 Cr139.00 Cr137.00 Cr---146.33 Cr138.65 Cr148.97 Cr148.30 Cr147.74 Cr
Tax Provision 30.24 Cr31.20 Cr33.54 Cr34.84 Cr30.58 Cr31.51 Cr---38.38 Cr35.50 Cr40.20 Cr19.19 Cr33.54 Cr
Net Income 84.00 Cr95.00 Cr100.00 Cr104.00 Cr114.00 Cr113.00 Cr---115.14 Cr109.66 Cr115.44 Cr135.18 Cr121.62 Cr
Diluted EPS 13.4215.2615.9816.6318.1817.99---18.4017.0918.4521.6119.44

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 693.00 Cr882.00 Cr1,046.00 Cr1,109.00 Cr1,191.00 Cr1,348.00 Cr1,376.00 Cr-584.32 Cr1,514.81 Cr1,690.15 Cr1,775.87 Cr
Cost of Revenue ---------932.16 Cr1,067.79 Cr1,109.60 Cr
Gross Profit ---------582.65 Cr622.36 Cr666.27 Cr
Operating Expenses 72.00 Cr99.00 Cr116.00 Cr151.00 Cr110.00 Cr153.00 Cr182.00 Cr-145.76 Cr82.46 Cr103.73 Cr128.32 Cr
Operating Income ---------500.19 Cr518.63 Cr537.95 Cr
EBITDA --------1,116.80 Cr541.76 Cr605.79 Cr623.12 Cr
Interest Expense 431.00 Cr548.00 Cr646.00 Cr649.00 Cr720.00 Cr825.00 Cr807.00 Cr-701.07 Cr1.98 Cr3.11 Cr4.80 Cr
Pretax Income 186.00 Cr230.00 Cr280.00 Cr307.00 Cr360.00 Cr360.00 Cr390.00 Cr-400.76 Cr521.56 Cr574.04 Cr582.25 Cr
Tax Provision 63.24 Cr80.50 Cr98.00 Cr107.45 Cr126.00 Cr79.20 Cr101.40 Cr-104.68 Cr130.02 Cr128.62 Cr133.27 Cr
Net Income 125.00 Cr154.00 Cr188.00 Cr201.00 Cr249.00 Cr298.00 Cr300.00 Cr-316.28 Cr413.15 Cr471.25 Cr475.42 Cr
Diluted EPS 20.1024.6330.0032.1339.8147.6647.99-50.5666.0475.3375.99

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 6,081.00 Cr7,772.00 Cr9,055.00 Cr9,748.00 Cr10,987.00 Cr12,038.00 Cr12,418.00 Cr-12,596.43 Cr13,942.93 Cr14,840.99 Cr16,444.28 Cr
Current Assets ---------13,453.22 Cr1,271.90 Cr1,396.84 Cr
Cash & Equivalents --------459.86 Cr348.08 Cr135.94 Cr287.19 Cr
Inventory ------------
Receivables ------------
Total Liabilities --------10,007.26 Cr10,773.97 Cr11,220.62 Cr12,403.55 Cr
Current Liabilities ---------7.63 Cr2,500.19 Cr2,701.32 Cr
Long Term Debt ---------10,701.04 Cr8,680.90 Cr9,647.71 Cr
Total Debt --------9,946.01 Cr10,701.04 Cr11,139.09 Cr12,206.01 Cr
Total Equity 817.00 Cr964.00 Cr1,150.00 Cr1,326.00 Cr1,557.00 Cr1,830.00 Cr2,113.00 Cr-2,589.17 Cr3,168.96 Cr3,620.37 Cr4,040.73 Cr
Shares Outstanding --------6.26 Cr6.26 Cr6.26 Cr6.26 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,193.00 Cr-1,414.00 Cr-1,001.00 Cr-557.00 Cr-1,015.00 Cr349.00 Cr849.00 Cr--362.86 Cr-684.51 Cr-613.70 Cr-896.21 Cr
Investing Cash Flow -7.00 Cr-7.00 Cr-6.00 Cr0-11.00 Cr-3.00 Cr12.00 Cr-159.60 Cr-168.71 Cr-6.63 Cr59.22 Cr
Financing Cash Flow 1,195.00 Cr1,424.00 Cr1,009.00 Cr562.00 Cr1,058.00 Cr-79.00 Cr-730.00 Cr-205.07 Cr747.00 Cr408.19 Cr988.24 Cr
Capital Expenditure -7.00 Cr-8.00 Cr-4.00 Cr-7.00 Cr-7.00 Cr-7.00 Cr-2.00 Cr--8.16 Cr-23.46 Cr-23.20 Cr-27.12 Cr
Free Cash Flow -1,200.00 Cr-1,422.00 Cr-1,005.00 Cr-564.00 Cr-1,022.00 Cr342.00 Cr847.00 Cr--371.02 Cr-707.97 Cr-636.90 Cr-923.33 Cr
Net Change in Cash -5.00 Cr3.00 Cr2.00 Cr5.00 Cr32.00 Cr267.00 Cr131.00 Cr-1.81 Cr-106.22 Cr-212.14 Cr151.25 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ---------38.5%36.8%37.5%
Operating Margin % ---------33.0%30.7%30.3%
Net Margin % 18.0%17.5%18.0%18.1%20.9%22.1%21.8%-54.1%27.3%27.9%26.8%
ROE % 15.3%16.0%16.3%15.2%16.0%16.3%14.2%-12.2%13.0%13.0%11.8%
ROCE % ---------3.6%4.2%3.9%

Shareholding Pattern

Insiders
37.13%
Institutions
34.40%
Public Float
54.72%

Analyst View

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Latest News

Recent headlines for REPCOHOME

Google News hu, 25 Jun 2026

REPCOHOME Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Sun, 18 Oct 2026

Repco Home Finance Q1FY27 profit rises 6% as NII grows 10% - scanx.trade

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Google News hu, 16 Apr 2026

Shares of Repco Home Finance rise after WhiteOak Capital Mutual Fund increases its holding. With institutional ownership climbing and asset quality improving, is the stock entering a more stable phase? Annanya Singh explains further. #RepcoHomeFinance - LinkedIn

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Google News Sun, 11 Oct 2026

Repco Home Finance (REPCOHOME.NS) Falls 2.40% to ₹329.0, Nears Key Support Zone - Golden Cross - siam.in

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Google News Fri, 28 Aug 2026

Repco Home Finance Ltd. Shareholding Pattern – Promoters, FIIs & DIIs - Value Research

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Google News ue, 29 Sep 2026

Repco Home Finance Limited Approves Subscription for Non-Convertible Debentures to INR 15,000 Million on Private Placement - marketscreener.com

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REPCOHOME — Frequently Asked Questions

What is the current share price of Repco Home Finance Limited (REPCOHOME)?

As of 2026-10-23 04:58 IST, Repco Home Finance Limited (REPCOHOME) trades at ₹326.85 on NSE. Its 52-week range is ₹326.45 to ₹444.33.

What is the market capitalisation of REPCOHOME?

Repco Home Finance Limited (REPCOHOME) has a market capitalisation of ₹2,044.82 Cr on NSE.

What is the P/E ratio of REPCOHOME?

REPCOHOME trades at a trailing price-to-earnings (P/E) ratio of 4.27. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.51.

Does REPCOHOME pay a dividend?

Repco Home Finance Limited (REPCOHOME) currently offers a dividend yield of 3.53%.

What is the return on equity (ROE) of REPCOHOME?

REPCOHOME has a return on equity (ROE) of 11.77%. Its return on capital employed (ROCE) is 4.27%.

Is REPCOHOME a good stock to buy?

This page provides a data-driven analysis of Repco Home Finance Limited (REPCOHOME), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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