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    Finance/Rental/Leasing
Repco Home Finance Ltd.

Repco Home Finance Ltd.

308.60
INR
-4.15
(-1.33%)
76.55EPS
5.42P/E
25.96BMarket Cap
Nov 12Next Earn
Repco Home Finance Ltd.
BSE:REPCOHOME
(Bombay Stock Exchange)

Recent

price

308.60

P/E

ratio

5.42

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
21.21
25.26
29.96
33.93
42.04
53.52
63.94
73.51
75.27
83.57
90.8
96.17
93.34
242.13
270.17
283.85
286.74
Revenue per Share
12.52
13.23
17.07
17.71
20.14
24.68
30
33.59
39.79
47.62
47.96
31.01
50.52
66.04
75.33
75.99
76.54
Basic EPS, GAAP
13.48
14.61
21.57
-163.17
-192.85
-227.19
-160.55
-90.19
-163.3
54.62
135.3
108.68
-59.27
-113.17
-98.1
-143.25
- -
Free Cash Flow per Basic Share
1.17
1.16
1.27
1.29
1.4
1.81
2.17
2.41
2.64
3.01
2.5
2.5
2.5
2.7
3
8.5
- -
Dividend per Share
53.34
65.3
102.08
118.75
131.06
154.02
181.07
212.31
248.89
292.52
337.73
366.04
413.86
506.54
578.69
645.88
- -
Book Value per Share
53.3
65.27
102.06
118.72
130.76
153.68
180.74
212.12
248.58
292.15
337.47
365.22
412.66
504.05
575.65
642.04
- -
Tangible Book Value per Share
46
46
47
62
62
62
63
63
63
63
63
63
63
63
63
63
63
Basic Weighted Avg Shares
985
1,173
1,404
2,109
2,616
3,341
4,000
4,602
4,712
5,231
5,684
6,020
5,843
15,148
16,902
17,759
18,054
Sales/Revenue/Turnover
211.26
242.09
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
33.02
30.69
30.29
30.9
Operating Margin (%)
16
16
15
24
29
41
36
31
50
129
130
129
150
182
286
361
388
Depreciation Expense
582
615
800
1,101
1,253
1,541
1,877
2,103
2,491
2,981
3,002
1,941
3,163
4,132
4,713
4,754
4,819
Net Income, GAAP
26.62
24.71
25.08
26.17
33.89
34.77
34.95
34.6
34.79
22.17
26.22
26.19
26.12
24.93
22.41
22.89
22
Effective Tax Rate (%)
59.04
52.4
56.99
52.2
47.91
46.11
46.92
45.7
52.86
56.99
52.81
32.24
54.13
27.27
27.88
26.77
26.69
Profit Margin (%)
-3,788
-5,503
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
134,456
-12,283
-13,045
- -
Working Capital
18,098
24,860
30,647
39,020
51,276
65,904
75,592
81,343
93,487
101,311
102,166
97,089
99,460
107,010
86,809
96,477
- -
LT Debt
2,477
3,033
6,345
7,381
8,173
9,632
11,328
13,282
15,571
18,300
21,129
22,900
25,892
31,690
36,204
40,407
- -
Total Equity
3.09
2.31
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.66
2.85
2.88
- -
Return on Invested Capital (%)
8.07
8.02
2.38
2.64
2.37
2.28
2.31
2.32
2.45
2.61
2.47
1.6
2.58
2.87
3.05
3.09
- -
Return on Capital (%)
26.27
22.31
17.06
16.04
16.12
17.3
17.91
17.09
17.26
17.6
15.23
8.82
12.96
14.35
13.88
12.41
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
25,583
- -
LT Borrowings
- -
96,477
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
63
63
63
Market Capitalization
25,832
21,878
25,963

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
13,968
- -
Cash, Cash Equivalents & STI
- -
4,057
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
27,013
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
25,583
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.48%
13.94%
11.61%
Free Cash Flow
-2.83%
-10.14%
46.03%
Net Income, GAAP
14.59%
14.63%
0.88%
Sales/Revenue/Turnover
23.57%
35.77%
5.07%
Total Cash Common Dividend
- -
- -
183.48%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
4,046
4,176
4,411
4,186
16,902
2026
4,329
4,396
4,521
4,513
17,759
2027
4,624
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
17.99
17.98
18.09
20.85
75.33
2026
18.4
17.09
18.45
21.61
75.99
2027
19.44
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
3
2026
- -
- -
- -
- -
8.5
2027
- -
- -
- -
- -
- -
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Business
Repco Home Finance Limited operates as a non-banking financial company (NBFC) primarily engaged in providing home finance solutions across India. The company offers a diverse range of housing loan products including Dream Home Loan, Composite Loan, Repco Green Home Loan, Repco Easy Home Loan, Repco Advantage Loan, Home Makeover Loan, Repco Home 25, Plot Loan, NRI Housing Loan, Prosperity Loan, New Horizon Loan, and Commercial Real Estate (CRE) Loan. It also extends loans against property such as Prosperity Loan, New Horizon Loan, and Commercial Real Estate Loan, catering to individuals looking for construction, purchase, repair, renovation, or extension of homes and commercial properties. The company operates through a widespread network of branches and satellite centers across multiple states in India, with ongoing expansion into new regions like Madhya Pradesh and Jharkhand. Founded as a subsidiary of Repco Bank in 2000, the company is headquartered in Chennai, India. Recent developments include strategic branch network expansion with conversions of satellite centers to branches and new branch openings, increasing its reach to a total of over 125 branches and more than 30 satellite centers across 12 states and one Union Territory as of the latest fiscal year. Repco Home Finance has strengthened its resource mobilization by increasing issuance of Secured Redeemable Non-Convertible Debentures (SRNCDs) and Commercial Papers (CPs), reflecting a strategic shift to diversify funding sources beyond bank borrowings. It has also enhanced its collections infrastructure with specialized teams and tele-calling units focused on managing non-performing assets and improving credit quality. The company maintains a comfortable capital adequacy ratio above 20%, supports financial inclusion by targeting economically weaker sections and low-income groups, and continues product innovation with loans tailored for niche segments such as green homes and senior citizens (Fifty Plus Loan). Profitability has improved with better asset quality and reduced credit costs, while operational scale and geographic diversification steadily grow to support sustainable business expansion. In summary, Repco Home Finance Limited offers comprehensive home and property loan products with a pan-India footprint, robust capital and funding strategies, targeted financial inclusion initiatives, and ongoing operational and geographic expansion aligning with its vision to be a leading housing finance provider in India.