Repco Home Finance Limited, Fundamental analysis

Repco Home Finance Limited - Technical chart

consolidated in Rs/Cr.

Industry Industry name	Finance
Variance Full Year Net Profit Variance	1
Equity Latest Equity	62.56
Face Value Latest Face Value	10
Reserves Total Reserve	3978.17
Dividend Full Year Dividend %	30
Sales Turnover Full Year Net Sales	1793.9
Net Profit Full Year Net Profit	475.06
Full Year CPS Full Year Cash Per Share	81.7
Earning Per Share Full Year Earning Per Share	75.9
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	464.8
Previous EPS Previous earnings per share	0
Book Value Book value	645.9
Networth Full Year Return on Networth	11.72
Price/Book Value Price to Book value	0.526397
Yearly PE ratio Full Year Price to Earning per share	4.5
Yearly PC ratio Full Year Price to Cash Per Share	4.2
Bse value BSE Value in lakhs	14.7
Nse value NSE Value in lakhs	372.06
High 52 week high	455
Low 52 week low	324
Price NSE Current market price	341
CPM Current market price	340

Market cap BSE / NSE Market Cap	2129.28
Net profit Latest Quarter Net Profit	121.62
Net profit variance Latest Quarter Net Profit variance	6
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	1630.83
TTM OP Trailing Twelve 12 month Operating Profit	1489.73
TTM OPM Trailing Twelve 12 month Operating Profit Margin	91.35
TTM GP Trailing Twelve 12 month Gross Profit	622.41
TTM GPM Trailing Twelve 12 month Gross Profit Margin	34.34
TTM NP Trailing Twelve 12 month Net Profit	445.38
TTM NPV Trailing Twelve 12 month Net Profit Variane	3.84
TTM EPS Trailing Twelve 12 month EPS	77.03
TTM PE Trailing Twelve 12 month PE	4.42
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	23.35
Equity Latest Equity	62.56
LTP Latest Price (BSE/NSE)	340
Gross block Latest Gross Block	161.06
Loans Total loans	12080.49
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	286.39
Year OPM Full Year Operating Profit Margin	89.3
Year GPM Full Year Gross Profit Margin	34.5
Quarter OPM Latest quater Operation Profit Margin	88.1

Quarterly Results (consolidated, figures in Rs Cr.)

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	418	441	423	436	440	454	452	465
YOY Sales Growth %	10%	14%	9%	8%	5%	3%	7%	7%
Gross Sales	418	441	423	436	440	454	452	465
Other Operating Income	5	4	3	4	1	3	1	3
+ Expenses	21	41	25	38	50	46	48	55
Manufacturing Cost %	3%	4%	4%	4%	4%	5%	4%	3%
Employee Cost %	7%	7%	8%	6%	8%	9%	10%	7%
Other Cost %	-5%	-1%	-6%	-2%	-1%	-4%	-3%	1%
Other Manufacturing Expenses %	3%	4%	4%	4%	4%	5%	4%	3%
Provisions & Contingencies %	-4%	0%	-6%	-1%	-0%	-3%	-3%	2%
Operating Profit	396	400	398	398	390	408	405	409
OPM %	95%	91%	94%	91%	89%	90%	89%	88%
+ Other Income	1	0	9	0	1	0	1	0
Miscellaneous Income	1	0	9	0	1	0	1	0
Interest	240	248	246	244	244	249	247	251
Depreciation	9	9	7	8	8	10	10	10
Profit before tax	149	144	154	146	139	149	148	148
+ Tax %	27%	26%	25%	26%	26%	27%	13%	23%
Current Tax	28	32	31	25	20	31	31	32
Deferred Tax	12	5	8	13	15	9	-12	1
+ Net Profit	115	113	121	115	110	115	135	122
Profit / Loss of Associates	6	7	6	7	7	7	6	7
Net Profit After Minority Interest	115	113	121	115	110	115	135	122
EPS in Rs	18.40	18.09	19.29	18.40	17.53	18.45	21.61	19.44

Profit & Loss (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	1,046	1,109	1,191	1,348	1,376	1,292	1,285	1,535	1,708	1,792
Sales Growth %		6%	7%	13%	2%	-6%	-1%	19%	11%	5%
Gross Sales	1,036	1,107	1,189	1,345	1,373	1,290	1,284	1,519	1,686	1,782
Other Operating Income	8	0	0	0	0	0	0	5	15	10
+ Expenses	116	151	110	153	182	344	182	152	133	191
Manufacturing Cost %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Employee Cost %	4%	4%	5%	5%	5%	6%	7%	7%	7%	8%
Other Cost %	7%	9%	4%	6%	8%	20%	7%	3%	0%	2%
Power & Fuel %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Other Manufacturing Expenses %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Selling & Administration %	2%	2%	3%	2%	1%	2%	2%	2%	2%	2%
Miscellaneous Expenses %	5%	7%	2%	5%	6%	19%	5%	1%	-1%	-0%
Provisions & Contingencies %	5%	7%	1%	4%	6%	18%	4%	-0%	-2%	-2%
Operating Profit	930	958	1,081	1,195	1,193	948	1,103	1,383	1,575	1,601
OPM %	89%	86%	91%	89%	87%	73%	86%	90%	92%	89%
+ Other Income	0	1	4	3	17	15	14	2	3	2
Miscellaneous Income	2	3	6	6	19	16	15	13	19	2
Interest	646	649	720	825	807	690	701	846	966	984
Depreciation	4	3	5	13	13	13	15	18	29	36
Profit before tax	280	307	360	360	390	260	401	522	584	582
+ Tax %	35%	35%	35%	22%	26%	26%	26%	25%	22%	23%
Current Tax	94	102	102	95	99	99	94	108	118	108
Deferred Tax	4	4	23	-15	4	-31	11	22	10	25
+ Net Profit	188	201	249	298	300	194	316	413	461	475
Profit Growth %		10%	17%	19%	3%	-33%	55%	32%	11%	3%
Profit / Loss of Associates	5	0	14	18	13	3	20	22	26	26
Net Profit After Minority Interest	188	201	249	298	300	194	316	413	471	475
EPS in Rs	29.13	32.13	37.51	44.81	45.97	30.62	47.33	62.59	71.20	71.77

Balance Sheet (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	63	63	63	63	63	63	63	63	63	188
Reserves	1,087	1,263	1,495	1,767	2,050	2,227	2,527	2,923	3,558	3,978
+ Borrowings	7,560	8,134	9,349	10,109	10,197	9,692	9,924	10,701	11,139	12,080
Secured Borrowings	7,210	7,334	876	680	0	0	0	0	0	0
Unsecured Borrowings	350	800	8,473	9,429	10,197	9,692	9,924	10,701	11,139	12,080
+ Other Liabilities	-8,024	-9,361	-10,733	-11,462	-11,698	-11,190	-11,849	-12,930	-13,974	-15,352
Current Liabilities	208	376	165	99	108	70	236	265	88	204
Provisions	14	13	12	18	20	22	23	18	14	29
Other liability items	186	0	0	0	0	0	0	0	0	0
Total Liabilities	686	99	173	477	613	791	664	756	786	895
+ Fixed Assets	9	14	16	37	31	35	40	58	78	95
Gross Block	28	16	23	49	48	56	65	92	127	161
Accumulated Depreciation	19	2	7	12	16	20	25	34	49	66
CWIP	0	0	0	0	0	0	4	4	3	5
Investments	28	33	52	65	76	86	105	223	325	272
+ Other Assets	649	53	106	374	506	670	516	472	381	523
Cash Equivalents	23	26	58	324	455	608	454	408	136	292
Loans n Advances	663	96	108	23	22	31	185	216	203	186
Other asset items	-36	-69	-60	27	29	32	-124	-153	41	44
Total Assets	686	99	173	477	613	791	664	756	786	895

Cash Flow (consolidated, figures in Rs Cr.)

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-1,001	-557	-1,015	349	849	691	-363	-685	-614	-896
Profit from Operations	334	382	382	1,253	1,279	482	427	487	527	583
Working Capital Changes	5	105	-85	-1	-8	317	-703	-1,039	-1,016	-1,368
Profit Before Tax & Extraordinary Items	280	307	374	378	402	262	421	543	600	609
Depreciation	4	3	5	13	13	13	15	18	29	36
Interest (Net)	0	-2	1	824	794	-24	-38	-52	-25	8
Dividend Received	-1	-2	-2	-3	-2	-2	-2	0	0	0
Profit / Loss on Sale of Assets	0	0	0	0	0	0	0	0	0	0
Profit / Loss on Sale of Investments	0	0	0	0	0	0	0	0	-3	-6
Provisions & Write-offs (Net)	52	75	17	59	81	233	52	-1	-38	-31
Trade Payables	0	0	0	0	1	1	-1	0	0	0
Loans & Advances	-4	1	-2	-1	-4	322	-696	-1,030	-1,016	-1,466
Direct Taxes Paid	-91	-108	-106	-93	-96	-108	-87	-132	-124	-111
+ Cash from Investing Activity	-6	0	-11	-3	12	-163	160	-169	-7	59
Purchase of Fixed Assets	-3	-8	-7	-7	-2	-11	-8	-23	-23	-27
Sale of Fixed Assets	0	0	0	0	0	0	0	0	0	1
Purchase of Investments	-3	0	0	0	0	0	0	-93	0	0
Capital WIP	-1	0	0	0	0	0	0	0	0	0
Investment Income	0	0	0	0	0	0	0	0	9	20
Interest Received	0	0	0	1	12	11	11	5	20	0
Dividend Received	1	2	2	3	2	2	2	3	4	4
Investment in Subsidiaries	0	0	-6	0	0	0	0	0	0	0
Others	0	6	0	0	0	-165	155	-60	-17	61
+ Cash from Financing Activity	1,009	562	1,058	-79	-730	-531	205	747	408	988
Proceeds from Issue of Shares	0	0	0	0	0	0	0	0	0	0
Proceeds from Issue of Debentures	385	652	0	0	0	0	0	0	0	0
Proceeds from Bank Borrowings	1,423	3,075	3,958	3,605	3,438	2,940	2,434	3,062	3,417	3,676
Proceeds from Short-Term Borrowings	1,475	2,505	1,423	425	102	17	24	0	0	0
Share Application Money	0	0	0	0	0	0	0	0	0	0
Redemption of Debentures	0	-100	-574	-195	-682	0	0	0	0	0
Repayment of Long-Term Borrowings	0	0	-1,707	-2,635	-2,671	-3,462	-2,226	-2,286	-2,977	-2,619
Repayment of Short-Term Borrowings	-1,050	-1,900	-2,025	-426	-100	0	0	0	0	0
Repayment of Financial Liabilities	0	0	0	-7	-8	-8	-9	-13	-13	-15
Dividend Paid	-14	-15	-17	-19	-16	-16	-16	-17	-19	-53
Interest Paid	0	0	0	-827	-794	-2	-2	0	0	0
Others	-1,210	-3,655	0	0	0	0	0	0	0	0
Net Cash Flow	2	5	32	267	131	-2	2	-106	-212	151