Repco Home Fin

Why is Repco Home Finance Ltd falling/rising?

As of 01-Sep, Repco Home Finance Ltd's stock is experiencing a slight rise, attributed to a trend reversal after previous declines and attractive valuation metrics. However, it faces long-term growth challenges and declining investor participation despite a positive short-term outlook.

As of 01-Sep, Repco Home Finance Ltd's stock price is rising slightly, with a change of 0.25 (0.07%) to a current price of 362.85. This increase can be attributed to several factors. The stock has outperformed its sector by 1.12% today, indicating a positive trend relative to its peers. Additionally, the stock has experienced a trend reversal, gaining after two consecutive days of decline, which may suggest a recovery phase.<BR><BR>Despite the positive movement today, the stock has shown mixed performance over longer periods. For instance, it has a year-to-date decline of 12.12%, which is worse than the Sensex's decline of 9.71%. However, over the past year, the stock has generated a return of 3.58%, which is better than the Sensex's decline of 4.26%. This indicates that while the stock has faced challenges, it has also shown resilience in certain time frames.<BR><BR>The stock's valuation appears attractive, with a Price to Book Value of 0.6, suggesting it is trading at a discount compared to its peers. Furthermore, the company has a Return on Equity (ROE) of 11.8, and its profits have increased by 3.8% over the past year, supporting a positive outlook despite the overall decline in stock price.<BR><BR>However, it is important to note that there are concerns regarding long-term growth, as net sales have only grown at an annual rate of 6.06%, and operating profit at 7.05%. Additionally, there has been a significant drop in investor participation, with delivery volume falling by 55.36% against the 5-day average, which could indicate waning interest among investors.<BR><BR>In summary, while Repco Home Finance Ltd's stock is currently rising due to short-term performance and attractive valuation metrics, it faces challenges related to long-term growth and declining investor participation.

Which are the latest news on Repco Home Fin?

Who are in the management team of Repco Home Fin?

The management team of Repco Home Fin includes Chairman C. Thangaraju, Managing Director & CEO K. Swaminathan, Whole-time Director N. Balasubramanian, and Additional Director Anant Kishore Saran, along with several independent and non-executive directors. This diverse team offers extensive experience and expertise to the company.

The management team of Repco Home Fin includes the following key individuals:<BR><BR>1. **C. Thangaraju** - Chairman (Non-Executive) & Director (Non-Independent)<BR>2. **K. Swaminathan** - Managing Director & CEO<BR>3. **N. Balasubramanian** - Whole-time Director<BR>4. **Anant Kishore Saran** - Additional Director<BR><BR>The board also features several independent and non-executive directors, including:<BR><BR>- **Esthaki Santhanam** - Non-Executive & Non-Independent Director<BR>- **B. Raj Kumar** - Independent Non-Executive Director<BR>- **Mrinal Kanti Bhattacharya** - Independent Non-Executive Director<BR>- **R. Swaminathan** - Independent Non-Executive Director<BR>- **Ramachandran Vaithianathan** - Independent Non-Executive Director<BR>- **Usha Ravi** - Independent Non-Executive Director<BR>- **Sumithra Ravichandran** - Independent Non-Executive Director<BR>- **Jacintha Lazarus, I.A.S** - Non-Executive & Non-Independent Director<BR>- **R S Isabella** - Non-Executive & Non-Independent Director<BR><BR>This diverse team brings a wealth of experience and expertise to the company.

What does Repco Home Fin do?

Repco Home Finance Ltd is a housing finance company that provides individual home loans and home equity solutions. As of June 2026, it reported net sales of ₹468 Cr and a net profit of ₹122 Cr, with a market cap of ₹2,271 Cr.

Overview:<BR>Repco Home Finance Ltd is a professionally managed housing finance company operating in the small-cap segment, focusing on providing individual home loans and home equity solutions.<BR><BR>History:<BR>Incorporated in April 2000, Repco Home Finance received its certificate of commencement of business on May 2, 2000. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 468 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 122 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 2,271 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 5.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 0.54% <BR>Debt-Equity: 3.02 <BR>Return on Equity: 11.77% <BR>Price to Book: 0.57 <BR><BR>Contact Details:<BR>Address: No 33 Repco Tower, North Usman Road T Nagar Chennai Tamil Nadu : 600017 <BR>Tel: 91-44-28340715 <BR>Email: cs@repcohome.com <BR>Website: http://www.repcohome.com

Who are the peers of the Repco Home Fin?

Repco Home Fin's peers include Aptus Value Housing, Home First Finance, Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, GIC Housing Fin, Reliance Home, Ind Bank Housing, and India Home Loans. In terms of management risk and growth, Repco Home Fin has below average performance compared to its peers, with a 1-year return of 4.42%.

Peers: The peers of Repco Home Fin are Aptus Value Hou., Home First Finan, Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, GIC Housing Fin, Reliance Home, Ind Bank Housing, and India Home Loans.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at Home First Finan, Aavas Financiers, and INDIA SHELTE FIN. Below Average management risk is noted at GIC Housing Fin, Reliance Home, and India Home Loans, with Ind Bank Housing not qualifying. Growth is Excellent at Home First Finan and INDIA SHELTE FIN, Good at Aptus Value Hou. and SRG Housing, Average at Can Fin Homes and Aavas Financiers, and Below Average at GIC Housing Fin, Reliance Home, and India Home Loans. Repco Home Fin has Below Average growth. Capital Structure is Excellent at Aptus Value Hou., Home First Finan, Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, and GIC Housing Fin, while Average is seen at Reliance Home, and Good at Can Fin Homes.<BR><BR>Return Snapshot: Can Fin Homes has the highest 1-year return at 10.74%, while Reliance Home has the lowest at -61.84%. Repco Home Fin's 1-year return is 4.42%, which is higher than Reliance Home but lower than Can Fin Homes. Additionally, the six-month returns are negative for Aavas Financiers, GIC Housing Fin, Reliance Home, and India Home Loans.

How big is Repco Home Fin?

As of 31st August, Repco Home Finance Ltd has a market capitalization of 2,271.00 Cr, with Net Sales of 1,819.44 Cr and a Net Profit of 481.90 Cr reported in the latest four quarters. The company had Shareholder's Funds of 3,427.04 Cr and Total Assets of 14,715.73 Cr for the annual period ending March 2025.

As of 31st August, Repco Home Finance Ltd has a market capitalization of 2,271.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 1,819.44 Cr and a Net Profit of 481.90 Cr.<BR><BR>For the latest annual period ending March 2025, Repco Home Finance Ltd had Shareholder's Funds amounting to 3,427.04 Cr and Total Assets of 14,715.73 Cr.

Should I buy, sell or hold Repco Home Finance Ltd?

When is the next results date for Repco Home Finance Ltd?

Repco Home Finance Ltd will announce its results on 11 August 2026.

Repco Home Finance Ltd is scheduled to declare its results on 11 August 2026.

Are Repco Home Finance Ltd latest results good or bad?

Repco Home Finance Ltd's latest results show a significant increase in net profit, but a slight decline in net interest income and margins raises concerns about sustainable growth. While profitability is strong, the company faces challenges in revenue generation and competitive pressures in the housing finance sector.

Repco Home Finance Ltd's latest results present a mixed picture. In Q4 FY26, the company reported a consolidated net profit of ₹135.18 crores, which is a significant increase of 17.10% quarter-on-quarter and 12.04% year-on-year. This marks the highest quarterly profit in recent history, largely driven by a reduction in the effective tax rate.<BR><BR>However, while profitability improved, the net interest income (NII) saw a slight decline of 0.75% from the previous quarter, although it did grow by 6.42% year-on-year. The net interest margin (NIM) also decreased to 35.05%, down from 38.12% a year ago, indicating competitive pressures in the housing finance sector.<BR><BR>The company's return on equity (ROE) stands at 12.70%, which is above the industry average, but still reflects challenges in generating superior returns compared to some peers. Additionally, the stock has been underperforming, trading at a significant valuation discount compared to its competitors.<BR><BR>Overall, while the profit figures are encouraging, the underlying revenue growth remains weak, and the declining margins raise concerns about the sustainability of this performance. Investors may need to monitor the company's ability to maintain profitability without relying on one-time tax benefits and its strategy to improve revenue growth in a competitive market.

Is Repco Home Fin overvalued or undervalued?

As of November 21, 2025, Repco Home Fin is considered an attractive investment due to its undervalued metrics, including a PE ratio of 5.61 and strong operational efficiency, despite a recent stock decline of 6.85% over the past year.

As of 21 November 2025, Repco Home Fin has moved from a valuation grade of very attractive to attractive. The company is currently considered undervalued, with a PE ratio of 5.61, a Price to Book Value of 0.71, and an EV to EBITDA of 8.81. In comparison to its peers, HUDCO is classified as very expensive with a PE of 16.44, while LIC Housing Fin remains attractive with a PE of 5.45, highlighting Repco's relative valuation advantage.<BR><BR>Despite the recent stock performance showing a decline of 6.85% over the past year compared to a 10.47% increase in the Sensex, Repco Home Fin's solid ROE of 12.70% and ROCE of 10.36% suggest that it maintains a strong operational efficiency. Overall, the current valuation metrics indicate that Repco Home Fin is positioned favorably within its industry, making it an appealing investment opportunity.

How has been the historical performance of Repco Home Fin?

Repco Home Fin has shown consistent growth in net sales and profits, with net sales increasing from 1,283.74 crore in March 2023 to 1,717.86 crore in March 2025, and profit after tax rising from 296.08 crore to 435.65 crore in the same period, despite negative cash flow from operating activities. Total liabilities also increased, reflecting a rise in short-term borrowings.

Answer:<BR>The historical performance of Repco Home Fin shows a consistent growth trend in net sales and profits over the years, culminating in the fiscal year ending March 2025.<BR><BR>Breakdown:<BR>Repco Home Fin's net sales increased from 1,283.74 crore in March 2023 to 1,717.86 crore in March 2025, reflecting a strong upward trajectory. The total operating income followed a similar pattern, rising to 1,717.86 crore in March 2025 from 1,283.74 crore in March 2023. Operating profit, excluding other income, also saw significant growth, reaching 1,575.30 crore in March 2025 compared to 1,101.38 crore in March 2023. Profit before tax increased to 583.70 crore in March 2025 from 400.76 crore in March 2023, while profit after tax rose to 435.65 crore from 296.08 crore in the same period. The consolidated net profit reached 461.48 crore in March 2025, up from 316.28 crore in March 2023. On the balance sheet, total liabilities increased to 14,715.73 crore in March 2025 from 12,596.43 crore in March 2023, driven by a rise in short-term borrowings. Total assets also grew, reaching 14,715.73 crore in March 2025. However, cash flow from operating activities remained negative at -613.00 crore in March 2025, although cash flow from financing activities provided some support with an inflow of 408.00 crore. Overall, Repco Home Fin demonstrated robust growth in revenue and profitability, despite challenges in cash flow management.

Is Repco Home Fin technically bullish or bearish?

As of November 12, 2025, Repco Home Fin's technical trend has shifted to mildly bullish, supported by a bullish weekly MACD and daily moving averages, despite mixed signals from the monthly indicators.

As of 12 November 2025, the technical trend for Repco Home Fin has changed from mildly bearish to mildly bullish. The weekly MACD is bullish, supporting the positive shift, while the monthly MACD remains mildly bearish, indicating some caution. The daily moving averages are bullish, reinforcing the upward momentum. The weekly Bollinger Bands are also bullish, suggesting potential for further gains. However, the monthly KST and OBV are bearish and mildly bullish respectively, indicating mixed signals in longer time frames. Overall, the current technical stance is mildly bullish, driven primarily by the weekly MACD and daily moving averages.

Who are the top shareholders of the Repco Home Fin?

The top shareholders of Repco Home Fin include Repatriates Co Operative Finance & Development Bank Ltd (37.13%), mutual funds (19.34%), and foreign institutional investors (11.24%), with individual investors holding 23.13% and HDFC Trustee Company Limited at 7.23%. There are no pledged promoter holdings reported.

The top shareholders of Repco Home Fin include the following:<BR><BR>1. **Promoter with the highest holding**: Repatriates Co Operative Finance & Development Bank Ltd, which holds 37.13%.<BR>2. **Mutual Funds**: They collectively hold 19.34% through 5 different schemes.<BR>3. **Foreign Institutional Investors (FIIs)**: 84 FIIs hold a total of 11.24%.<BR>4. **Highest Public Shareholder**: HDFC Trustee Company Limited, specifically for HDFC Infrastructure, holds 7.23%.<BR>5. **Individual Investors**: They account for 23.13% of the holdings.<BR><BR>Overall, the majority of the shares are held by promoters, with no pledged promoter holdings reported.

Has Repco Home Fin declared dividend?

Yes, Repco Home Finance Ltd has declared a 30% dividend, amounting to ₹3 per share, with an ex-date of July 26, 2024. While the recent total returns show negative performance in the short term, the stock has seen significant gains over longer periods.

Repco Home Finance Ltd has declared a 30% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 30%<BR>- Amount per share: 3 per share<BR>- Ex-date: 26 Jul 24<BR><BR>Dividend Yield: 0.75%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -12.15%, with a dividend return of 0%, resulting in a total return of -12.15%.<BR><BR>Over the past year, the price return was -14.91%, with a dividend return of 0.56%, leading to a total return of -14.35%.<BR><BR>In the 2-year period, the price return was 51.16%, the dividend return was 1.99%, culminating in a total return of 53.15%.<BR><BR>For the 3-year period, the price return was 188.18%, with a dividend return of 7.08%, resulting in a total return of 195.26%.<BR><BR>In the last 4 years, the price return was 11.93%, the dividend return was 2.85%, yielding a total return of 14.78%.<BR><BR>Over the past 5 years, the price return was 315.13%, with a dividend return of 10.49%, leading to a total return of 325.62%.<BR><BR>Overall, while Repco Home Finance Ltd has declared a dividend, the recent total returns indicate a mixed performance, with negative returns in the short term but significant gains over longer periods. The dividend yield remains relatively low, suggesting that while dividends are being paid, the stock's price performance has varied widely.