MarketFriction

Repco Home Finance Ltd

NSE REPCOHOME · BSE 535322 · Housing Finance Company
₹337.75 -1.16%
NSE close2026-10-01
52 week range333.60 - 455.90
Market cap₹2,161 Cr.
P/E4.49
IPO 2013 · +96% since Price band 20% Delivery 62.8%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue380387393408423445426440441457454468
Interest207215220233240248246244244249247251
Expenses403933432645284351494958
Financing Profit132133140132157152152154146159158158
Financing Margin %35%34%36%32%37%34%36%35%33%35%35%34%
Other Income165810901010
Depreciation456498788101010
Profit before tax129134139137149144154146139149148148
Tax %26%26%22%23%27%26%25%26%26%27%13%23%
Net Profit100104114113115113121115110115135122
EPS in Rs15.9816.6318.1817.9918.4018.0919.2918.4017.5318.4521.6119.44
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue8821,0461,1091,1911,3481,3761,2921,2851,5351,7081,7921,819
Interest548646649720825807690701846966984991
Expenses99116151110153182344182152143191207
Financing Profit234284309361370386258402537600616621
Financing Margin %27%27%28%30%27%28%20%31%35%35%34%34%
Other Income001431715142322
Depreciation44351313131518293639
Profit before tax230280307360360390260401522574582584
Tax %35%35%35%35%22%26%26%26%25%22%23%
Net Profit154188201249298300194316413471475482
EPS in Rs24.6330.0032.1339.8147.6647.9931.0350.5666.0475.3375.9977.03
Dividend Payout %7%7%7%6%5%5%8%5%5%5%4%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth7%5%12%5%
Compounded Profit Growth12%10%15%4%
Stock Price CAGR-8%2%-4%-3%
Return on Equity14%13%14%12%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital626363636363636363636363
Reserves7559011,0871,2631,4941,7672,0502,2272,5272,9233,5583,978
Borrowing5,1046,5387,5608,1349,34910,10910,1979,6929,92410,70111,13912,206
Other Liabilities1592703452888199108708311282198
Total Liabilities6,0817,7729,0559,74810,98712,03812,41812,05212,59613,79914,84116,444
Fixed Assets999141637313540587895
CWIP000000004435
Investments1821283352657686105223325272
Other Assets6,0547,7429,0189,70210,91911,93512,31111,93012,44813,51414,43616,072
Total Assets6,0817,7729,0559,74810,98712,03812,41812,05212,59613,79914,84116,444
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-1,193-1,414-1,001-557-1,015349849691-363-685-614-896
Cash from Investing Activity-7-7-60-11-312-163160-169-759
Cash from Financing Activity1,1951,4241,0095621,058-79-730-531205747408988
Net Cash Flow-532532267131-22-106-212151
Free Cash Flow-1,200-1,422-1,005-564-1,022342847680-371-708-637-922
CFO/OP-183%-172%-98%-47%-84%37%79%84%-25%-40%-31%-49%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %15%17%18%16%17%18%15%9%13%15%14%12%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%37.13%
FIIs15.29%13.78%13.95%14.04%12.90%12.52%11.25%11.16%11.91%12.68%13.37%12.36%
DIIs18.40%19.09%19.57%18.79%19.90%20.56%21.09%23.26%22.70%23.74%24.27%26.08%
Public29.17%29.98%29.34%30.02%30.05%29.77%30.53%28.46%28.24%26.44%25.21%24.42%
No. of Shareholders43,10141,57142,93445,25754,14254,95157,15556,29857,02651,93251,13549,320

Fundamentals

Market Cap₹ 2,161 Cr.
Current Price₹ 344
Stock P/E4.49
Book Value₹ 646
ROCE10.1 %
ROE12.4 %
Dividend Yield2.18 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)5%
Compounded Profit Growth (TTM)4%
Consolidated figures.
Valuation
Market capRs 2,113 Cr
Enterprise valueRs 14,027 Cr
P/E (TTM)4.38x
Price to book0.52x
Price to sales1.16x
EV / EBITDA8.69x
EV / EBIT8.91x
EV / sales7.71x
Earnings yield22.81%
Dividend yield0.89%
P/E, 3-year average5.04x
P/B, 3-year average0.65x
P/E, 5-year average4.87x
P/B, 5-year average0.58x
Profitability
Operating margin (excl. other income)89.32%
Operating margin (incl. other income)89.43%
EBITDA margin88.70%
Pre-tax margin32.08%
Net profit margin26.49%
Net margin, latest quarter26.00%
ROE12.41%
ROCE10.10%
ROA3.04%
ROE, 3-year average13.83%
ROCE, 3-year average10.46%
ROA, 3-year average3.15%
ROE, 5-year average12.66%
ROCE, 5-year average9.64%
ROA, 5-year average2.72%
ROIC (approx.)7.61%
Tax rate22.89%
Other income / net worth0.05%
Growth
Sales growth (latest year)4.91%
Profit growth (latest year)0.88%
Sales CAGR, 3 years11.71%
Sales CAGR, 5 years5.43%
Profit CAGR, 3 years14.55%
Profit CAGR, 5 years9.63%
Sales growth QoQ3.13%
Profit growth QoQ-10.03%
Sales growth YoY (latest quarter)6.23%
Profit growth YoY (latest quarter)5.63%
Per share
EPS (TTM)Rs 77.03
EPS (latest year)Rs 75.99
EPS (latest quarter)Rs 19.44
EPS, 3-year averageRs 72.45
EPS, 5-year averageRs 59.79
Book value per shareRs 645.88
Sales per shareRs 290.82
Cash flow per shareRs -143.25
Free cash flow per shareRs -147.38
Dividend per share (latest year)Rs 3.00
Dividend per share, 3-year averageRs 3.33
Dividend per share, 5-year averageRs 3.04
Dividends
Dividend payout3.95%
Dividend payout, 3-year average4.60%
Dividend payout, 5-year average5.44%
Efficiency
Asset turnover0.11x
Fixed asset turnover18.93x
Leverage
Total debtRs 12,206 Cr
Cash and bankRs 292 Cr
Net debtRs 11,914 Cr
Debt to equity3.02x
Net debt / EBITDA7.38x
Interest coverage1.59x
Owners' fund to total sources24.57%
Debt to assets74.23%
Cash flow
Cash from Operating Activity (latest year)Rs -896 Cr
Cash from Investing Activity (latest year)Rs 59 Cr
Cash from Financing Activity (latest year)Rs 988 Cr
Net Cash Flow (latest year)Rs 151 Cr
Free cash flow (latest year)Rs -922 Cr
FCFE (approx.: FCF + change in debt)Rs 145 Cr
Cash from ops / profit, 5 years-1.00x
Statement figures
Net sales (TTM)Rs 1,819 Cr
Net sales (latest year)Rs 1,792 Cr
Sales (latest quarter)Rs 468 Cr
Operating profit excl. other income (latest year)Rs 1,601 Cr
Operating profit (latest quarter)Rs 409 Cr
Other income (TTM)Rs 2 Cr
EBITDA (TTM)Rs 1,614 Cr
PBDT (TTM)Rs 622 Cr
Profit before tax (TTM)Rs 584 Cr
Tax (latest year)Rs 133 Cr
Net profit (TTM)Rs 482 Cr
Net profit (latest year)Rs 475 Cr
Net profit (latest quarter)Rs 122 Cr
Depreciation (TTM)Rs 39 Cr
Depreciation (latest quarter)Rs 10 Cr
Interest (TTM)Rs 991 Cr
Cost of goods sold (latest year)Rs 9 Cr
Total expenditure (latest year)Rs 191 Cr
Total income (latest year)Rs 1,794 Cr
Share capitalRs 63 Cr
ReservesRs 3,978 Cr
Shareholders' fundsRs 4,041 Cr
Total assetsRs 16,444 Cr
Net blockRs 95 Cr
Capital work in progressRs 5 Cr
InvestmentsRs 272 Cr
Other liabilitiesRs 198 Cr
Shares outstanding (crore)6.26
Ownership
Promoter holding37.13% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 4.4 is at the 12th percentile of its own 9.4-year range (median 7.1, low 2.3, high 27.5).
P/B 0.52 is at the 8th percentile (median 0.89).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodREPCOHOMENifty 50Difference
1 week-4.2%-2.8% -1.4 pts
1 month-6.9%-6.8% -0.1 pts
3 months-22.1%-7.6% -14.4 pts
6 months-3.2%+0.4% -3.6 pts
1 year-7.0%-9.9% +2.9 pts
2 years-37.7%-13.6% -24.1 pts
3 years-12.1%+14.2% -26.3 pts
5 years+10.1%+27.9% -17.8 pts
24 mutual fund schemes hold about ₹729 Cr. Over three months 13 bought more and 8 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
Bandhan Small Cap Fund0.65%222 -7%
ICICI Pru Banking & Fin Serv Fund0.82%92 +9%
ICICI Pru Banking & Fin Serv Fund0.82%92 +9%
ICICI Pru Small Cap Fund0.66%65 +6%
ICICI Pru Small Cap Fund0.66%63 +6%
Aditya Birla SL Small Cap Fund0.55%34 +8%
WOC Flexi Cap Fund0.29%26 -0%
HDFC Banking & Financial Services Fund0.55%26 +199%
HDFC Housing Opp Fund1.68%20 +14%
WOC Mid Cap Fund0.21%16 -8%
WOC Multi Cap Fund0.31%13 -2%
Bajaj Finserv Small Cap Fund0.44%12 +32%
ICICI Pru Housing Opp Fund0.43%12 +9%
ICICI Pru PSU Equity Fund0.55%10 +14%
Bajaj Finserv Banking and Financial Services Fund2.02%10 +83%
WOC Banking & Financial Services Fund1.22%8 -6%
Tata Children's Fund1.07%4 +13%
WOC ELSS Tax Saver Fund0.41%2 +4%
iSIF Equity Ex-Top 100 Long-Short Fund0.07%2 -14%
WOC Aggressive Hybrid Fund0.15%1 -36%
Mahindra Manulife Banking & Financial Services Fund0.00%0 -100%
HDFC Infrastructure Fund0.00%0 -100%
Motilal Oswal BSE 1000 Index Fund0.01%0 +12%
WOC Special Opp Fund0.00%0 -100%

Red flags

F-score 3 of 8
explainWeak cash conversion Cash from operations was -161% of net profit over the last 3 years
lookRegulator order or action Regulator order or action 2026-01-02: Repco Home Finance Limited has informed the Exchange about Action(s) taken or orders passed
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹468 Cr +6.4% vs Jun 2025. Net profit ₹122 Cr +6.1%.

Activity

Compare
CompanyMcap (Cr)P/EROCE
Bajaj Housing Finance Ltd67,70925.08.85 %
Piramal Finance Ltd50,3431126.47 %
LIC Housing Finance Ltd30,1715.268.59 %
PNB Housing Finance Ltd28,64112.29.44 %
Aadhar Housing Finance Ltd18,96016.411.4 %
Sammaan Capital Ltd15,8534.92 %
Aptus Value Housing Finance India Ltd11,68611.915.4 %
Home First Finance Company India Ltd11,44319.711.1 %
AAVAS Financiers Ltd9,89914.49.92 %
Can Fin Homes Ltd9,7438.629.14 %
India Shelter Finance Corporation Ltd6,98613.212.9 %
GIC Housing Finance Ltd7234.607.71 %
SRG Housing Finance Ltd2216.4611.8 %
Reliance Home Finance Ltd76-432 %
Ind Bank Housing Ltd5113.0-1.11 %
No bulk or block deals on record.
Ex-dateActionFactor
2026-09-22Dividend - Rs 3 Per Share
2026-02-12Interim Dividend - Rs 2 Per Share
2025-08-25Interim Dividend - Rs 2.50 Per Share
2025-08-14Dividend - Rs 4 Per Share
2024-07-26Annual General Meeting/Dividend - Rs 3 Per Share
2023-09-07Annual General Meeting/Dividend - Rs 2.70 Per Share
2022-08-11Annual General Meeting/Dividend - Rs 2.50 Per Share
2021-09-15 Annual General Meeting/Dividend - Rs 2.50 Per Share
2020-09-22 Annual General Meeting/Dividend - Rs 2.50 Per Share
2019-09-19 Annual General Meeting/Dividend - Rs 2.50 Per Share
2018-09-17 Dividend- Rs 2.20 Per Share
2017-09-13 Dividend - Rs 2/- Per Share
2016-09-14 Dividend - Rs 1.80 Per Share
2015-09-03 Dividend-Rs 1.50/- Per Share
2014-09-02Annual General Meeting / Dividend - Rs 1.20/- Per Share
2013-09-04Annual General Meeting / Dividend - Rs 1.1/- Per Share
DateTypeWhat it says
2026-09-29AppointmentAppointment of Mr Bakthavatsalu Kannan as Wholetime Director of the company w.e.f. August 24, 2026.
2026-09-29AppointmentAppointment of Mrs Aparna Sudip Kumar as Non- Executive Independent Director of the company w.e.f. August 11, 2026.
2026-09-29UpdatesEnhancement of Borrowing Limits of the Company under Section 180(l)(c) of the Companies Act, 2013 .
2026-09-29UpdatesRaising of funds .
2026-09-29AppointmentAppointment of Ms Rajagopal & Badri Narayanan as Joint Statutory Auditor of the company w.e.f. September 29, 2026.
2026-09-29Shareholder meetingProceedings of Annual General Meeting held on September 29, 2026
2026-09-29Shareholder meetingVoting results.
2026-09-29General UpdatesDeclaration of Final dividend by shareholders
2026-09-25Credit RatingCredit Rating
2026-09-25AllotmentAllotment of commercial paper
2026-09-21UpdatesRedemption of Commercial Paper .
2026-09-17UpdatesIntimation of Contact Details of Authorized Officials for the purpose of determining materiality of an event or information and for the purpose of mak...
2026-09-16CessationCessation of Mr Paiyur Kuppuraman Vaidyanathan as Executive Director of the company w.e.f. September 16, 2026.
2026-09-16AppointmentAppointment of Mr Bakthavatsalu Kannan as Chief Develpment Officer of the company w.e.f. September 17, 2026.
2026-09-11CessationCessation of Mr Paiyur Kuppuraman Vaidyanathan as Executive Director of the company w.e.f. September 16, 2026.
2026-09-07General UpdatesGeneral Updates
2026-09-03Concall / analyst meetOutcome
2026-09-02UpdatesBusiness Responsibility & Sustainability Report .
2026-09-02Record DateRecord date for the purpose of Dividend & Meeting is 22-Sep-2026.
2026-09-02Shareholder meetingNotice of Annual General Meeting to be held on September 29, 2026
2026-08-26Concall / analyst meetSchedule of meet
2026-08-21Credit RatingCredit Rating
2026-08-17Concall / analyst meetTranscript
2026-08-12Concall / analyst meetLink of Recording
2026-08-11AppointmentAppointment of Mr Bakthavatsalu Kannan as Executive Director of the company w.e.f. August 24, 2026.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of Repco Home Finance Ltd?

Repco Home Finance Ltd (REPCOHOME) has a market capitalisation of Rs 2,161 Cr. at the 2026-10-01 close.

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

Repco Home Finance Ltd trades at a P/E of 4.49 on trailing twelve-month profit, at the 2026-10-01 close.

What were Repco Home Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, Repco Home Finance Ltd revenue was Rs 468 Cr (+6.4% vs Jun 2025) and net profit was Rs 122 Cr.

What is the 52-week high and low of Repco Home Finance Ltd?

The 52-week high is Rs 455.90 and the 52-week low is Rs 333.60.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03