Repco Home Finance
REPCOHOME NSE
Repco Home Finance
Financial ServicesNSE: REPCOHOME BSE: 535322 Housing Finance
Key Fundamentals
MicrocapHousing FinanceFinancial ServicesMarket Cap
₹2,197 Cr
Volatility
Moderate
P/E Ratio
4.67
EBITDA
₹1,603 Cr
Return on Equity
11.11%
Debt to Equity
2.98
Book Value
₹645.88
EPS
₹69.28
52W High
₹455.9
52W Low
₹333.6
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Stock is trading at 0.56 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 13.7% over last 3 years.
- Dividend payout has been low at 4.60% of profits over last 3 years
Growth Rate
Revenue Growth
4.84% lower than
3Y
Net Income Growth
0.81% lower than
3Y
Cash Flow Change
-46.03% lower than
3Y
ROE
-9.67% lower than
3Y
ROCE
-6.71% lower than
3Y
EBITDA Margin (Avg.)
-2.55% lower than
3Y
Quarterly Results
| 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 | 1 | 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 | 129 | 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 in Rs | 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
| 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 in Rs | 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
| 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
| 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 |
| CFO/OP | -183 | -172 | -98 | -47 | -84 | 37 | 79 | 84 | -25 | -40 | -31 | -49 |
Ratios
| 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
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Repco Home Finance insights
56 extracted metrics + investor summaries across FY11–FY26.
Documents
1
Announcement under Regulation 30 (LODR)-Change in Directorate
11 Sep - Repco Bank reverses deputation of WTD and CDO Paiyur Kuppuraman Vaidyanathan, effective 16 September 2026. 11 Sep - Repco Bank reverses deputation of WTD and CDO Paiyur Kuppuraman Vaidyanathan, effective 16 September 2026.
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.
3
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
5
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.
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).[1][2]
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 market capitalisation of Repco Home Finance Ltd?
Repco Home Finance Ltd has a market capitalisation of ₹2,197 Cr, which places it in the Small Cap band.
What is the PE ratio of Repco Home Finance Ltd?
Repco Home Finance Ltd trades at a PE ratio of 4.67, on earnings per share of ₹69.28, 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 ₹333.6 and ₹455.9.
Does Repco Home Finance Ltd pay dividends?
Repco Home Finance Ltd has a dividend yield of 2.12%.
What is the Return on Equity (ROE) of Repco Home Finance Ltd?
Repco Home Finance Ltd reported a return on equity of 11.11%. Its debt-to-equity ratio is 2.98.
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
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