Is Repco Home Fin overvalued or undervalued?

As of 7 November 2025, Repco Home Fin's valuation grade has moved from very attractive to fair, indicating a shift in market perception. The company is currently fairly valued, with a PE ratio of 5.73, a Price to Book Value of 0.78, and an EV to EBITDA of 8.70. In comparison to peers, HUDCO is considered very expensive with a PE of 16.55, while LIC Housing Fin is very attractive at a PE of 5.69, highlighting the competitive positioning of Repco Home Fin within the housing finance sector.
Despite the recent downgrade in valuation, Repco Home Fin has shown resilience with a 1-month stock return of 12.11% compared to the Sensex's 1.57%, suggesting some positive momentum. However, the company's 1-year return of -13.43% against the Sensex's 4.62% indicates challenges over a longer horizon. Overall, while Repco Home Fin is currently fairly valued, its performance relative to peers and market trends warrants close monitoring.