Repco Home Finance Ltd
REPCOHOME NSE
Repco Home Finance Ltd
Financial ServicesNSE: REPCOHOME BSE: 535322 Housing Finance
Key Fundamentals
MicrocapHousing FinanceFinancial ServicesMarket Cap
₹2,359 Cr
Volatility
Moderate
P/E Ratio
4.95
EBITDA
₹1,591 Cr
Return on Equity
12.71%
Debt to Equity
3.41
Book Value
₹645.88
EPS
₹69.28
52W High
₹455.9
52W Low
₹333.6
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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41 extracted metrics + investor summaries across FY15–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
1- Stock is trading at 0.59 times its book value
Weaknesses
4- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 5.43% over past five years.
- Company has a low return on equity of 13.9% over last 3 years.
- Dividend payout has been low at 6.61% of profits over last 3 years
Growth Rate
Revenue Growth
3.57% ↗
Net Income Growth
8.86% ↘
Cash Flow Change
10.34% ↗
ROE
-3.12% ↘
ROCE
6.05% ↗
EBITDA Margin (Avg.)
-2.78% ↘
Quarterly Results
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 340 | 364 | 380 | 387 | 393 | 408 | 423 | 445 | 426 | 440 | 441 | 457 | 454 |
| Expenses | 42 | 40 | 40 | 39 | 33 | 43 | 26 | 45 | 28 | 43 | 51 | 49 | 49 |
| Financing Profit | 113 | 122 | 132 | 133 | 140 | 132 | 157 | 152 | 152 | 154 | 146 | 159 | 158 |
| Fin. Margin % | 33% | 33% | 35% | 34% | 36% | 32% | 37% | 34% | 36% | 35% | 33% | 35% | 35% |
| Other Income | 3 | 2 | 1 | 6 | 5 | 8 | 1 | 0 | 9 | 0 | 1 | 0 | 1 |
| Interest | 186 | 203 | 207 | 215 | 220 | 233 | 240 | 248 | 246 | 244 | 244 | 249 | 247 |
| Depreciation | 4 | 4 | 4 | 5 | 6 | 4 | 9 | 8 | 7 | 8 | 8 | 10 | 10 |
| PBT | 112 | 120 | 129 | 134 | 139 | 137 | 149 | 144 | 154 | 146 | 139 | 149 | 148 |
| Tax % | 27% | 26% | 26% | 26% | 22% | 23% | 27% | 26% | 25% | 26% | 26% | 27% | 13% |
| Net Profit | 84 | 95 | 100 | 104 | 114 | 113 | 115 | 113 | 121 | 115 | 110 | 115 | 135 |
| EPS in Rs | 13.42 | 15.26 | 15.98 | 16.63 | 18.18 | 17.99 | 18.4 | 18.09 | 19.29 | 18.4 | 17.53 | 18.45 | 21.61 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 693 | 882 | 1,046 | 1,109 | 1,191 | 1,348 | 1,376 | 1,292 | 1,285 | 1,535 | 1,716 | 1,792 |
| Expenses | 72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 152 | 143 | 191 |
| Financing Profit | 189 | 234 | 284 | 309 | 361 | 370 | 386 | 258 | 402 | 537 | 608 | 616 |
| Fin. Margin % | 27% | 27% | 27% | 28% | 30% | 27% | 28% | 20% | 31% | 35% | 35% | 34% |
| Other Income | 0 | 0 | 0 | 1 | 4 | 3 | 17 | 15 | 14 | 2 | 4 | 2 |
| Interest | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 846 | 966 | 984 |
| Depreciation | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 18 | 29 | 36 |
| PBT | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 522 | 584 | 582 |
| Tax % | 34% | 35% | 35% | 35% | 35% | 22% | 26% | 26% | 26% | 25% | 25% | 23% |
| Net Profit | 125 | 154 | 188 | 201 | 249 | 298 | 300 | 194 | 316 | 413 | 461 | 475 |
| EPS in Rs | 20.1 | 24.63 | 30 | 32.13 | 39.81 | 47.66 | 47.99 | 31.03 | 50.56 | 66.04 | 73.76 | 75.99 |
| Div. Payout % | 7% | 7% | 7% | 7% | 6% | 5% | 5% | 8% | 5% | 5% | 5% | 10% |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 62 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 |
| Reserves | 755 | 901 | 1,087 | 1,263 | 1,494 | 1,767 | 2,050 | 2,227 | 2,527 | 2,923 | 3,364 | 3,978 |
| Borrowing | 5,104 | 6,538 | 7,560 | 8,134 | 9,349 | 10,109 | 10,197 | 9,692 | 9,924 | 10,701 | 11,139 | 12,206 |
| Other Liabilities | 159 | 270 | 345 | 288 | 81 | 99 | 108 | 70 | 83 | 112 | 150 | 198 |
| Total Liabilities | 6,081 | 7,772 | 9,055 | 9,748 | 10,987 | 12,038 | 12,418 | 12,052 | 12,596 | 13,799 | 14,716 | 16,444 |
| Fixed Assets | 9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 | 58 | 78 | 100 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4 | 3 | 0 |
| Investments | 18 | 21 | 28 | 33 | 52 | 65 | 76 | 86 | 105 | 223 | 325 | 272 |
| Other Assets | 6,054 | 7,742 | 9,018 | 9,702 | 10,919 | 11,935 | 12,311 | 11,930 | 12,448 | 13,514 | 14,310 | 16,072 |
| Total Assets | 6,081 | 7,772 | 9,055 | 9,748 | 10,987 | 12,038 | 12,418 | 12,052 | 12,596 | 13,799 | 14,716 | 16,444 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -1,193 | -1,414 | -1,001 | -557 | -1,015 | 349 | 849 | 691 | -363 | -685 | -614 | -896 |
| Investing | -7 | -7 | -6 | 0 | -11 | -3 | 12 | -163 | 160 | -169 | -6 | 59 |
| Financing | 1,195 | 1,424 | 1,009 | 562 | 1,058 | -79 | -730 | -531 | 205 | 747 | 408 | 988 |
| Net Cash Flow | -5 | 3 | 2 | 5 | 32 | 267 | 131 | -2 | 2 | -106 | -212 | 151 |
| Free Cash Flow | -1,200 | -1,422 | -1,005 | -564 | -1,022 | 342 | 847 | 680 | -371 | -708 | -637 | -922 |
| CFO/OP | -183 | -172 | -98 | -47 | -84 | 37 | 79 | 84 | -25 | -40 | -31 | -49 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 15% | 17% | 18% | 16% | 17% | 18% | 15% | 9% | 13% | 15% | 14% | 13% |
Documents
1
Newspaper Publication And Social Media Communication
2 Apr - Newspaper publication and social media communication regarding special window for re-lodgement of transfer requests of physical shares 2 Apr - Newspaper publication and social media communication regarding special window for re-lodgement of transfer requests of physical shares
2
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
3 Apr - Submitted Regulation 74(5) certificate for quarter ended 31 March 2026. 3 Apr - Submitted Regulation 74(5) certificate for quarter ended 31 March 2026.
4
Announcement under Regulation 30 (LODR)-Allotment
13 Mar - Allotment of 12,500 NCDs aggregating Rs125 crore; 8.40% coupon; maturity 13-03-2029; staggered redemptions 2027–2029. 13 Mar - Allotment of 12,500 NCDs aggregating Rs125 crore; 8.40% coupon; maturity 13-03-2029; staggered redemptions 2027–2029.
5
Board Meeting Outcome for Allotment Of Non-Convertible Debentures
13 Mar - Allotment of 12,500 NCDs (Rs125 crore) at 8.40% p.a., allotted 13-Mar-2026, 3-year tenor, redemption 2027–2029. 13 Mar - Allotment of 12,500 NCDs (Rs125 crore) at 8.40% p.a., allotted 13-Mar-2026, 3-year tenor, redemption 2027–2029.
Frequently Asked Questions about Repco Home Finance Ltd
What does Repco Home Finance Ltd do?
Established in April 2000, Repco Home Finance Ltd. is a registered housing finance company. It is a subsidiary of the Repatriates Cooperative Finance and Development Bank Limited(Repco Bank).[1][2]
Where is Repco Home Finance Ltd (REPCOHOME) listed?
Repco Home Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: REPCOHOME and BSE: 535322. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Repco Home Finance Ltd belong to?
Repco Home Finance Ltd operates in the Financial Services sector within the Housing Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Repco Home Finance Ltd?
Repco Home Finance Ltd has a market capitalisation of approximately ₹2358.88 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Repco Home Finance Ltd?
The Price-to-Earnings (PE) ratio of Repco Home Finance Ltd is 4.95. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Repco Home Finance Ltd?
Over the past 52 weeks, Repco Home Finance Ltd has traded between a low of ₹333.6 and a high of ₹455.9. This range helps investors understand the stock's price volatility and recent trading levels.
Does Repco Home Finance Ltd pay dividends?
Yes, Repco Home Finance Ltd has a dividend yield of 1.18%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Repco Home Finance Ltd?
Repco Home Finance Ltd has a Return on Equity (ROE) of 12.71%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Repco Home Finance Ltd on Tapetide?
On Tapetide, you can view Repco Home Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Established in April 2000, Repco Home Finance Ltd. is a registered housing finance company. It is a subsidiary of the Repatriates Cooperative Finance and Development Bank Limited(Repco Bank).[1][2]
Website repcohome.com
CEO Ms. Shanthi Srikanth A.C.A., A.C.S., B.Com.
Employees 1,256
Listed 2013-04-01
Face Value ₹ 10
Issued Size 6,25,61,362