Repco Home Finance

Financial Services

REPCOHOME NSE

NSE: REPCOHOME BSE: 535322 Housing Finance

₹328.20 +7.40 (+2.31%)

P/E: 4.26

View as Markdown

MCP

Close 4 Nov 2026 ₹328.20 −107.15 −24.6% 1Y

Start ₹435.35

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of 04 Nov 2026, 15:53 IST · EPS basis: Consolidated · TTM

Debt to Equity: 3.02
EPS (TTM): ₹77.03
Book Value: ₹645.88

Market Cap: —
P/E (TTM): 4.26
P/B: 0.51
ROE: 12.40%
Dividend Yield: 2.34%
52W High: ₹455.90
52W Low: ₹294.05
Day Range: ₹316.50 – ₹332.60
Volume: 90,757
ROCE: Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA: Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Repco Home Finance peer comparison

Bajaj Housing Finance	₹81.42	25.21	₹65,542 Cr	2.82	0.00%	12.10%	—	₹11,604 Cr	₹2,692 Cr
Piramal Finance	₹1,946.20	—	₹45,625 Cr	1.49	0.58%	0.86%	6.47%	₹13,357 Cr	₹1,909 Cr
LIC Housing Finance	₹520.00	4.98	₹28,072 Cr	0.65	1.98%	14.40%	—	₹28,562 Cr	₹5,739 Cr
PNB Housing Finance	₹1,082.00	11.99	₹28,029 Cr	1.39	0.75%	12.90%	—	₹8,700 Cr	₹2,350 Cr
Aadhar Housing Finance	₹431.20	16.44	₹18,689 Cr	2.52	0.00%	15.90%	—	₹3,817 Cr	₹1,140 Cr
Sammaan Capital	₹125.98	—	₹14,065 Cr	0.82	1.67%	−3.21%	—	₹7,418 Cr	−₹7,236 Cr
Home First Finance Company	₹1,082.30	19.38	₹11,147 Cr	2.43	0.49%	15.70%	—	₹1,999 Cr	₹581 Cr
Repco Home Finance (this company)	₹328.20	4.26	₹2,059 Cr	0.51	2.34%	12.40%	—	₹1,819 Cr	₹482 Cr
Median 8 companies	₹475.60	14.22	₹23,359 Cr	1.44	0.67%	12.65%	6.47%	₹8,059 Cr	₹1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of 4 Nov 2026. How it works →

Overall score

49 Average

Data confidence 94/100

Category scores

Quality: 45; Weak; Returns, margins, earnings quality 22% weight
Valuation: 70; Strong; Cheap vs sector & own history 24% weight
Growth: 47; Average; Sales & profit trajectory 9% weight
Financial Health: 37; Weak; Solvency, leverage, coverage 9% weight
Momentum: 21; Poor; Trend strength, vol-adjusted 12% weight
Ownership: 50; Average; FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

Stock is trading at 0.52 times its book value

Weaknesses

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 13.7% over last 3 years.
Dividend payout has been low at 4.60% of profits over last 3 years

Technical Indicators

Technical signals: verdict and indicator counts
Group	Signal	Bearish	Neutral	Bullish
Overall	Bearish	8	5	6
Oscillators	Neutral	2	5	2
Moving Averages	Strong Bearish	6	0	4

Oscillators

Neutral

Bearish

Neutral

Bullish

Overall

Bearish

Neutral

Bullish

Moving Averages

Strong Bearish

Bearish

Neutral

Bullish

Key readings

RSI (14): 51.18; Neutral
MACD (12,26,9): −7.57; Bullish
SMA (50): 340.72; Bearish
SMA (200): 377.51; Bearish

As of 4 Nov 2026

Analyst Rating

Based on 5 analysts

4 of 5 analysts rate Buy, 1 Hold, 0 Sell.

As of 4 Nov 2026

BUY

80%

HOLD

20%

SELL

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y	+7.35%
5Y	+5.43%
3Y	+11.72%
1Y	+4.92%
TTM	+4.96%

Net profit

Net profit growth by window
10Y	+11.92%
5Y	+9.63%
3Y	+14.55%
1Y	+0.85%
TTM	+3.88%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017	₹1,046 Cr
Mar 2018	₹1,109 Cr
Mar 2019	₹1,191 Cr
Mar 2020	₹1,348 Cr
Mar 2021	₹1,376 Cr
Mar 2022	₹1,292 Cr
Mar 2023	₹1,285 Cr
Mar 2024	₹1,535 Cr
Mar 2025	₹1,708 Cr
Mar 2026	₹1,792 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017	₹188 Cr
Mar 2018	₹201 Cr
Mar 2019	₹249 Cr
Mar 2020	₹298 Cr
Mar 2021	₹300 Cr
Mar 2022	₹194 Cr
Mar 2023	₹316 Cr
Mar 2024	₹413 Cr
Mar 2025	₹471 Cr
Mar 2026	₹475 Cr

Analyst Forecasts

Forecast For

Sep 26 consensus · EPS

₹18.30 −5.9% vs Jun 26

Reported High Mean Low

Quarterly Results

₹ Cr

REPCOHOME quarterly results, ₹ crore
Particulars	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	364	380	387	393	408	423	445	426	440	441	457	454	468
Expenses	40	40	39	33	43	26	45	28	43	51	49	49	58
Financing Profit	122	132	133	140	132	157	152	152	154	146	159	158	158
Fin. Margin %	33%	35%	34%	36%	32%	37%	34%	36%	35%	33%	35%	35%	34%
Other Income	2	3.75	6	5	8	1	0	9	0	1	0	1	0
Interest	203	207	215	220	233	240	248	246	244	244	249	247	251
Depreciation	4	4	5	6	4	9	8	7	8	8	10	10	10
PBT	120	132	134	139	137	149	144	154	146	139	149	148	148
Tax %	26%	26%	26%	22%	23%	27%	26%	25%	26%	26%	27%	13%	23%
Net Profit	95	100	104	114	113	115	113	121	115	110	115	135	122
EPS (₹)	15.26	15.98	16.63	18.18	17.99	18.4	18.09	19.29	18.4	17.53	18.45	21.61	19.44

Profit & Loss

₹ Cr

REPCOHOME profit and loss, annual, ₹ crore
Particulars	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	693	882	1,046	1,109	1,191	1,348	1,376	1,292	1,285	1,535	1,708	1,792	1,819
Expenses	72	99	116	151	110	153	182	344	182	152	143	191	207
Financing Profit	189	234	284	309	361	370	386	258	402	537	600	616	621
Fin. Margin %	27%	27%	27%	28%	30%	27%	28%	20%	31%	35%	35%	34%	34%
Other Income	0	0	0	1	4	3	17	15	14	2	3	2	2
Interest	431	548	646	649	720	825	807	690	701	846	966	984	991
Depreciation	3	4	4	3	5	13	13	13	15	18	29	36	39
PBT	186	230	280	307	360	360	390	260	401	522	574	582	584
Tax %	34%	35%	35%	35%	35%	22%	26%	26%	26%	25%	22%	23%	—
Net Profit	125	154	188	201	249	298	300	194	316	413	471	475	482
EPS (₹)	20.1	24.63	30	32.13	39.81	47.66	47.99	31.03	50.56	66.04	75.33	75.99	77.03
Div. Payout %	7%	7%	7%	7%	6%	5%	5%	8%	5%	5%	5%	4%	—

Balance Sheet

₹ Cr

REPCOHOME balance sheet, annual, ₹ crore
Particulars	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	3,558	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	82	198
Total Liabilities	6,081	7,772	9,055	9,748	10,987	12,038	12,418	12,052	12,596	13,799	14,841	16,444
Fixed Assets	9	9	9	14	16	37	31	35	40	58	78	95
CWIP	0	0	0	0	0	0	0	0	4	4	3	5
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	14,436	16,072
Total Assets	6,081	7,772	9,055	9,748	10,987	12,038	12,418	12,052	12,596	13,799	14,841	16,444

Cash Flow

₹ Cr

REPCOHOME cash flow, annual, ₹ crore
Particulars	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	−7	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

Ratios

REPCOHOME financial ratios, annual
Particulars	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%	12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

55 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

Promoters 37.13%
DIIs 26.34%
Public 19.65%
FIIs 11.09%
Others 5.79%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Q1 FY27 concall · Aug 2026
Transcript PPT Recording
Q4 FY26 concall · May 2026
Transcript PPT Recording
Q3 FY26 concall · Feb 2026
Transcript PPT Recording
Q2 FY26 concall · Nov 2025
Transcript PPT Recording
Q1 FY26 concall · Aug 2025
Transcript PPT

Frequently Asked Questions about Repco Home Finance

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).

Where is Repco Home Finance Ltd (REPCOHOME) listed?

Repco Home Finance Ltd trades as REPCOHOME on the NSE and under code 535322 on the BSE.

Which sector does Repco Home Finance Ltd belong to?

Repco Home Finance Ltd is classified under the Financial Services sector, in the Housing Finance industry.

What is the PE ratio of Repco Home Finance Ltd?

Repco Home Finance Ltd trades at a PE ratio of 4.26 as of 4 Nov 2026, on earnings per share of ₹77.03, against a book value of ₹645.88 per share.

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

Over the last 52 weeks Repco Home Finance Ltd has traded between ₹294.05 and ₹455.9 as of 4 Nov 2026.

Does Repco Home Finance Ltd pay dividends?

Repco Home Finance Ltd has a dividend yield of 2.34%.

What is the Return on Equity (ROE) of Repco Home Finance Ltd?

Repco Home Finance Ltd reported a return on equity of 12.40%. Its debt-to-equity ratio is 3.02.

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Repco Home Finance

Key Fundamentals

Peer Comparison

Overall score

Category scores

Key Insights

Strengths

Weaknesses

Technical Indicators

Oscillators

Overall

Moving Averages

Key readings

Analyst Rating

Growth Rate

Revenue

Net profit

Operating cash flow

Revenue by year

Net profit by year

Analyst Forecasts

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Insights

Shareholding Pattern

Documents

Frequently Asked Questions about Repco Home Finance

Company Information

For AI agents and developers

Explore More