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Repco Home Finance Ltd

REPCOHOME Share Price

404.501.51% (-6.20)

REPCOHOME Share Price Chart

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FinancialsConsumer Finance
SmallcapWith a market cap of ₹2,569 cr, stock is ranked 980
Moderate RiskStock is 2.58x as volatile as Nifty

REPCOHOME Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

Avg

Can be considered moderately valued vs the market

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Avg

The stock is underpriced but is in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsConsumer Finance
SmallcapWith a market cap of ₹2,569 cr, stock is ranked 980
Moderate RiskStock is 2.58x as volatile as Nifty

REPCOHOME Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
5.650.860.73%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.962.580.97%

REPCOHOME Analyst Ratings & Forecast

Detailed Forecast 
57%
Analysts have suggested that investors can buy this stock

from 7 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

REPCOHOME Company Profile

Repco Home Finance Limited provides long term loan financing for residential purposes.

Investor Presentation

View older 

Feb 12, 2025

PDF
View Older Presentations

REPCOHOME Similar Stocks (Peers)

Compare with peers 
PE Ratio
39.84
1Y Return
26.99%
Buy Reco %
80.00
PE Ratio
97.33
1Y Return
35.62%
Buy Reco %
0.00
PE Ratio
40.81
1Y Return
37.40%
Buy Reco %
75.76
PE Ratio
17.95
1Y Return
45.07%
Buy Reco %
96.88
PE Ratio
62.92
1Y Return
20.51%
Buy Reco %
40.00
Compare with Peers
REPCOHOME Sentiment Analysis
New
Crisp summary & key insights to decode earnings calls instantly

REPCOHOME Stock Summary · November 2024

Repco Home Finance is witnessing robust growth, with a 15% increase in net profit and an 8.1% rise in its loan book, despite facing challenges from heightened repayments and competitive interest rates. The company is proactively managing its asset quality, evidenced by a significant reduction in Gross Non-Performing Assets and a focus on lowering Stage 2 loans. While operational costs have risen, efforts to enhance sales capabilities and diversify sourcing channels are expected to drive disbursement targets of INR 3,600 to 3,800 crores. Additionally, the management is optimistic about future growth, exploring inorganic opportunities and maintaining a strong credit profile, which may lead to increased dividends for shareholders.

Key Points on Repcohome Stock
REPCOHOME Stock Growth Drivers
7
  • Growth in Disbursements and Loan Book

    The company has reported a significant increase in disbursements, reaching INR 867 crores in Q2

  • Improved Profitability Metrics

    The company has shown steady improvement in profitability metrics, with a return on assets (ROA)

REPCOHOME Stock Challenges
7
  • Declining Net Interest Margin

    The company's Net Interest Margin (NIM) has decreased from 5.4% in Q2 FY '24 to

  • Increasing Cost-to-Income Ratio

    The cost-to-income ratio has increased from 23.6% to 26.4% year-over-year. This rise suggests that the

REPCOHOME Forecasts

Price

Revenue

Earnings

REPCOHOME

Income

Balance Sheet

Cash Flow

REPCOHOME Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 5.21%, vs industry avg of 15.17%

Decreasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 0.95% to 0.66%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 10.82%, vs industry avg of 20.9%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue881.841,045.891,110.061,195.171,351.101,392.231,306.571,299.161,540.801,682.95
Raw Materialssubtract1,087.62
Power & Fuel Costsubtract
Employee Costsubtract40.9343.1149.4558.5266.4371.3578.6387.89102.18
Selling & Administrative Expensessubtract18.2820.0425.1632.5924.3321.4823.3834.3341.40
Operating & Other expensessubtract588.41699.01725.01739.21887.22896.63932.16761.21854.28
Depreciation/Amortizationsubtract4.153.563.095.0312.9312.9812.8814.9718.2227.08
Interest & Other Itemssubtract
Taxes & Other Itemssubtract76.0292.52106.35110.7662.0589.5865.4184.48108.41113.71
EPS24.6730.0032.1339.8147.6647.9931.0350.5666.5472.66
DPS1.802.002.202.502.502.502.502.703.003.00
Payout ratio0.070.070.070.060.050.050.080.050.050.04

REPCOHOME Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 23PDF
Feb 14PDF
FY 2023

Annual report

PDF

Investor Presentation

May 26PDF
Feb 13PDF
Nov 11PDF
Aug 12PDF
FY 2024

Annual report

PDF

Investor Presentation

Aug 4PDF
FY 2025

Annual Report Pending

Investor Presentation

Feb 12PDF
Nov 13PDF
Nov 12PDF
 

REPCOHOME Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Repco Home Finance Ltd6.170.860.73%
Bajaj Finance Ltd39.847.510.39%
Jio Financial Services Ltd97.331.130.20%
Cholamandalam Investment and Finance Company Ltd40.817.120.12%

REPCOHOME Stock Price Comparison

Compare REPCOHOME with any stock or ETF
Compare REPCOHOME with any stock or ETF
REPCOHOME
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REPCOHOME Shareholdings

REPCOHOME Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

REPCOHOME Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Decreased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 1.28%

Tickertape Separator

REPCOHOME Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding37.13%19.34%1.76%11.24%30.53%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

REPCOHOME Shareholding History

Dec '23MarJunSepDec '24Mar13.79%13.95%14.04%12.90%12.53%11.24%

Mutual Funds Invested in REPCOHOME

Mutual Fund Holding
Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Repco Home Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
4.4332%0.38%-0.06%70/89 (+1)
2.3351%0.81%0.34%23/126 (+17)
2.2847%1.81%-0.73%11/43 (0)

Compare 3-month MF holding change on Screener

REPCOHOME Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing REPCOHOME stock

Looks like this stock is not in any smallcase yet.

REPCOHOME Events

REPCOHOME Dividend Trend

No Dividend Cuts
Dividends are the portion of earnings that a company distributes to all its shareholders every year

REPCOHOME has increased or maintained dividend levels over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.73%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹7.30 every year

Dividends

Corp. Actions

Announcements

Legal Orders

REPCOHOME Upcoming Dividends

No upcoming dividends are available

REPCOHOME Past Dividends

Cash Dividend

Ex DateEx DateJul 26, 2024

Final
Final | Div/Share: ₹3.00

Dividend/Share

3.00

Ex DateEx Date

Jul 26, 2024

Cash Dividend

Ex DateEx DateSep 7, 2023

Final
Final | Div/Share: ₹2.70

Dividend/Share

2.70

Ex DateEx Date

Sep 7, 2023

Cash Dividend

Ex DateEx DateAug 11, 2022

Final
Final | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Aug 11, 2022

Cash Dividend

Ex DateEx DateSep 15, 2021

Final
Final | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Sep 15, 2021

Cash Dividend

Ex DateEx DateSep 22, 2020

Final
Final | Div/Share: ₹2.50

Dividend/Share

2.50

Ex DateEx Date

Sep 22, 2020

REPCOHOME Stock News & Opinions

Corporate
Repco Home Finance redesignates Thangappan Karunakaran as MD & CEO

Repco Home Finance announced the resignation of Thangappan Karunakaran from the post of Chief Operating Officer, designated as Senior Management Personnel of the Company pursuant to his appointment and joining as Managing Director & Chief Executive Officer of the Company with effective from 11 April 2025. Powered by Capital Market - Live

1 week agoCapital Market - Live
Earnings
Repco Home Finance consolidated net profit rises 8.81% in the December 2024 quarter

Net profit of Repco Home Finance rose 8.81% to Rs 113.17 crore in the quarter ended December 2024 as against Rs 104.01 crore during the previous quarter ended December 2023. Sales rose 12.56% to Rs 435.93 crore in the quarter ended December 2024 as against Rs 387.30 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Sales435.93387.30 13 OPM %89.6189.91 - PBDT152.51138.85 10 PBT144.01134.08 7 NP113.17104.01 9 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Repco Home Finance to table results

Repco Home Finance will hold a meeting of the Board of Directors of the Company on 12 February 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
Repco Home Finance rises after Q2 PAT climbs 15% YoY to Rs 112 cr

Profit before tax (PBT) stood at Rs 152.76 crore in Q2 FY25, up 15.53% as compared with Rs 132.22 crore in Q2 FY24. Loan disbursements stood at Rs 867 crore as compared to Rs 797 crore, registering a growth of 9%. Loans sanctions stood at Rs 926 crore, up 8% as compared to Rs 860 crore. The overall loan book stood at Rs 13,964 crore as on 30 September 2024, as against Rs 12,922 crore a year back registering a growth of 8.1%. The AUM was Rs 13,701 crore as of 30 June 2024. As of 30 September 2024, loans to the non-salaried segment accounted for 52% of the outstanding loan book and loans for salaried segment accounts for 48% of loan book. Housing loans accounted for 74% of the loans while Home Equity products accounted for 26% of the outstanding loan book. 100% of the loans given by the Company are retail loans. Gross non-performing assets (GNPA) stood at Rs 552 crore as of 30 September 2024, as against Rs 637 crore as of September 30, 2023 and Rs 583 crore as of 30 June 2024. The gross non-performing assets (GNPA) ratio stood at 3.96% and Net NPA ratio stood at 1.59% of the loan assets as of 30 September 2024. This is against 4.93 % and 2.16% as of 30 September 2023 respectively. As required under IND AS, the company has carried provisions for expected credit losses to the tune of Rs 489 crore or 3.5% of total loan assets. The Stage-3 assets carry a coverage ratio of 61%. The capital adequacy ratio stood at 33.98%. The minimum capital adequacy ratio prescribed by the regulator is 15%. Repco Home Finance is a leading housing loan finance company. It had a total network of 184 branches and 43 satellite centers (212 in total), spread across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, Gujarat, West Bengal, Madhya Pradesh, Jharkhand, Rajasthan and the Union Territory of Puducherry.Powered by Capital Market - Live

5 months agoCapital Market - Live
Earnings
Repco Home Finance standalone net profit rises 14.69% in the September 2024 quarter

Net profit of Repco Home Finance rose 14.69% to Rs 112.51 crore in the quarter ended September 2024 as against Rs 98.10 crore during the previous quarter ended September 2023. Sales rose 9.23% to Rs 415.25 crore in the quarter ended September 2024 as against Rs 380.16 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales415.25380.16 9 OPM %93.6489.38 - PBDT162.03136.06 19 PBT152.76132.22 16 NP112.5198.10 15 Powered by Capital Market - Live

5 months agoCapital Market - Live
Earnings
Repco Home Finance consolidated net profit rises 15.14% in the September 2024 quarter

Net profit of Repco Home Finance rose 15.14% to Rs 115.13 crore in the quarter ended September 2024 as against Rs 99.99 crore during the previous quarter ended September 2023. Sales rose 9.23% to Rs 415.25 crore in the quarter ended September 2024 as against Rs 380.16 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales415.25380.16 9 OPM %93.6489.38 - PBDT158.24132.90 19 PBT148.97129.06 15 NP115.1399.99 15 Powered by Capital Market - Live

5 months agoCapital Market - Live
Corporate
Repco Home Finance to table results

Repco Home Finance will hold a meeting of the Board of Directors of the Company on 12 November 2024Powered by Capital Market - Live

5 months agoCapital Market - Live
Spotlight
Repco Home Finance CFO K. Lakshmi resigns

Further, the company stated that K. Lakshmi has been relieved from the services of the company with effect from the close of business hours of 6 September 2024. Repco Home Finance had a total network of 168 branches and 44 satellite centers (212 in total), spread across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, Gujarat, West Bengal, Madhya Pradesh, Jharkhand, Rajasthan and the Union Territory of Puducherry. The company's consolidated net profit increased 21.12% to Rs 99.44 crore on 15.34% rise in total revenue from operations to Rs 392.58 crore in Q1 FY25 over Q1 FY24. The scrip declined 0.61% to close at Rs 531.80 on Friday, 6 September 2024. Powered by Capital Market - Live

7 months agoCapital Market - Live

Cummins India Ltd leads losers in ‘A’ group

8 months agoBusiness Standard

Repco Home Finance consolidated net profit rises 17.91% in the June 2024 quarter

8 months agoBusiness Standard

Frequently asked questions

  1. What is the share price of Repco Home Finance Ltd (REPCOHOME) today?

    The share price of REPCOHOME as on 22nd April 2025 is ₹404.50. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Repco Home Finance Ltd (REPCOHOME) share?

    The past returns of Repco Home Finance Ltd (REPCOHOME) share are
    • Past 1 week: 14.69%
    • Past 1 month: 18.92%
    • Past 3 months: 2.51%
    • Past 6 months: -19.02%
    • Past 1 year: -21.30%
    • Past 3 years: 115.45%
    • Past 5 years: 252.35%

  3. What are the peers or stocks similar to Repco Home Finance Ltd (REPCOHOME)?
  4. What is the dividend yield % of Repco Home Finance Ltd (REPCOHOME) share?

    The current dividend yield of Repco Home Finance Ltd (REPCOHOME) is 0.73.

  5. What is the market cap of Repco Home Finance Ltd (REPCOHOME) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Repco Home Finance Ltd (REPCOHOME) is ₹2569.40 Cr as of 22nd April 2025.

  6. What is the 52 week high and low of Repco Home Finance Ltd (REPCOHOME) share?

    The 52-week high of Repco Home Finance Ltd (REPCOHOME) is ₹595 and the 52-week low is ₹310.

  7. What is the PE and PB ratio of Repco Home Finance Ltd (REPCOHOME) stock?

    The P/E (price-to-earnings) ratio of Repco Home Finance Ltd (REPCOHOME) is 6.17. The P/B (price-to-book) ratio is 0.86.

  8. Which sector does Repco Home Finance Ltd (REPCOHOME) belong to?

    Repco Home Finance Ltd (REPCOHOME) belongs to the Financials sector & Consumer Finance sub-sector.

  9. How to buy Repco Home Finance Ltd (REPCOHOME) shares?

    You can directly buy Repco Home Finance Ltd (REPCOHOME) shares on Tickertape. Simply sign up, connect your demat account and place your order.