Repco Home Finance Ltd
REPCOHOMERepco Home Finance Ltd
REPCOHOME
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
LowUndervalued compared to the market average
Growth
LowLagging behind the market in financials growth
Profitability
AvgAverage profitability - not good, not bad
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 5.84 | 0.87 | 0.72% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.61 | 2.45 | 0.98% |
Forecast & Ratings
Detailed Forecast from 7 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Repco Home Finance Limited provides long term loan financing for residential purposes.
Investor Presentation
View olderPeers
Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Shriram Finance Ltd
Bajaj Housing Finance Ltd
Cholamandalam Investment and Finance Company Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 881.84 | 1,045.89 | 1,110.06 | 1,195.17 | 1,351.10 | 1,392.23 | 1,306.57 | 1,299.16 | 1,540.80 | 1,630.83 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 1,049.16 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 40.93 | 43.11 | 49.45 | 58.52 | 66.43 | 71.35 | 78.63 | 87.89 | 102.18 | |||||||||||
| Selling & Administrative Expenses | 18.28 | 20.04 | 25.16 | 32.59 | 24.33 | 21.48 | 23.38 | 34.33 | 41.40 | |||||||||||
| Operating & Other expenses | 588.41 | 699.01 | 725.01 | 739.21 | 887.22 | 896.63 | 932.16 | 761.21 | 854.28 | |||||||||||
EBITDA | 234.22 | 283.73 | 310.44 | 364.85 | 373.12 | 402.77 | 272.40 | 415.73 | 542.94 | 581.67 | ||||||||||
| Depreciation/Amortization | 4.15 | 3.56 | 3.09 | 5.03 | 12.93 | 12.98 | 12.88 | 14.97 | 18.22 | 23.35 | ||||||||||
| PBIT | 230.07 | 280.17 | 307.35 | 359.82 | 360.19 | 389.79 | 259.52 | 400.76 | 524.72 | 558.32 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 230.07 | 280.17 | 307.35 | 359.82 | 360.19 | 389.79 | 259.52 | 400.76 | 524.72 | 558.32 | ||||||||||
| Taxes & Other Items | 76.02 | 92.52 | 106.35 | 110.76 | 62.05 | 89.58 | 65.41 | 84.48 | 108.41 | 112.94 | ||||||||||
| Net Income | 154.05 | 187.65 | 201.00 | 249.06 | 298.14 | 300.21 | 194.11 | 316.28 | 416.31 | 445.38 | ||||||||||
| EPS | 24.67 | 30.00 | 32.13 | 39.81 | 47.66 | 47.99 | 31.03 | 50.56 | 66.54 | 71.19 | ||||||||||
| DPS | 1.80 | 2.00 | 2.20 | 2.50 | 2.50 | 2.50 | 2.50 | 2.70 | 3.00 | 3.00 | ||||||||||
| Payout ratio | 0.07 | 0.07 | 0.07 | 0.06 | 0.05 | 0.05 | 0.08 | 0.05 | 0.05 | 0.04 |
Company Updates
Annual report
PDFAnnual report
PDFAnnual report
PDFAnnual report
PDFAnnual report
PDFAnnual report
PDFInvestor Presentation
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Repco Home Finance Ltd | 6.24 | 0.87 | 0.72% |
| Bajaj Finance Ltd | 29.18 | 5.50 | 0.53% |
| Jio Financial Services Ltd | 120.98 | 1.40 | — |
| Shriram Finance Ltd | 14.94 | 2.22 | 1.54% |
Price Comparison
Compare REPCOHOME with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Decreased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has decreased by 1.14%
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
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) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
HDFC Small Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 7.0882% | Percentage of the fund’s portfolio invested in the stock 0.54% | Change in the portfolio weight of the stock over the last 3 months -0.03% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 54/92 (0) |
ADITYA BIRLA SUN LIFE BANKING AND FIN SERV FD-DIR PL-GROWTH Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 3.8798% | Percentage of the fund’s portfolio invested in the stock 3.08% | Change in the portfolio weight of the stock over the last 3 months -0.27% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 9/41 (-2) |
Bandhan Small Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.4306% | Percentage of the fund’s portfolio invested in the stock 0.68% | Change in the portfolio weight of the stock over the last 3 months -0.02% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 66/195 (+1) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Dividend Cuts
REPCOHOME has increased or maintained dividend levels over the last 5 years
Dividend Yield
Current dividend yield is 0.72%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹7.22 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateJul 26, 2024
Dividend/Share
₹3.00
Ex DateEx Date
Jul 26, 2024
Cash Dividend
Ex DateEx DateSep 7, 2023
Dividend/Share
₹2.70
Ex DateEx Date
Sep 7, 2023
Cash Dividend
Ex DateEx DateAug 11, 2022
Dividend/Share
₹2.50
Ex DateEx Date
Aug 11, 2022
Cash Dividend
Ex DateEx DateSep 15, 2021
Dividend/Share
₹2.50
Ex DateEx Date
Sep 15, 2021
Cash Dividend
Ex DateEx DateSep 22, 2020
Dividend/Share
₹2.50
Ex DateEx Date
Sep 22, 2020
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
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
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
Repco Home Finance will hold a meeting of the Board of Directors of the Company on 12 November 2024Powered by Capital Market - Live
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
Cummins India Ltd leads losers in ‘A’ group
Repco Home Finance consolidated net profit rises 17.91% in the June 2024 quarter
Net profit of Repco Home Finance rose 17.91% to Rs 112.53 crore in the quarter ended June 2024 as against Rs 95.44 crore during the previous quarter ended June 2023. Sales rose 11.89% to Rs 407.83 crore in the quarter ended June 2024 as against Rs 364.48 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Sales407.83364.48 12 OPM %89.4788.99 - PBDT140.34123.79 13 PBT136.60119.75 14 NP112.5395.44 18 Powered by Capital Market - Live
Repco Home Finance will hold a meeting of the Board of Directors of the Company on 1 August 2024.Powered by Capital Market - Live
Repco Home Finance Q4 Results Review - AUM Growth Improved Slightly; Valuations Comfortable: IDBI Capital
Lower than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 5.21%, vs industry avg of 15.2%
Decreasing Market Share
Over the last 5 years, market share decreased from 0.96% to 0.66%
Lower than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 10.82%, vs industry avg of 20.97%