Want to see IN:REPCOHOME full AI Analyst Report?
Top Page
Repco Home Finance Ltd.
(REPCOHOME)
Select Model
Select Model
Rating:69Neutral
Price Target:
₹461.00
▲(10.31% Upside)
Action:Reiterated
Date:06/26/26
The score is driven by attractive valuation (low P/E with a dividend) and supportive technical trends (price above major moving averages with positive MACD). Offsetting these positives, financial performance is constrained by high leverage and especially inconsistent, often negative operating/free cash flow despite strong reported profitability.
Positive Factors
Profitability / Margin Sustainability
Sustained mid-20% net margins and steadily rising net income from 2022–2026 indicate durable core profitability. For a mortgage lender, high recurring margins provide a structural earnings buffer versus cyclical credit cycles and support internal capital generation over the coming months.
Negative Factors
Operating Cash Flow Volatility
Repeated negative and volatile operating/free cash flows despite accounting profits weaken earnings quality and raise persistent reliance on external borrowing. This pattern increases funding risk and restricts the firm's ability to self-fund growth or absorb shocks in the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability / Margin Sustainability
Sustained mid-20% net margins and steadily rising net income from 2022–2026 indicate durable core profitability. For a mortgage lender, high recurring margins provide a structural earnings buffer versus cyclical credit cycles and support internal capital generation over the coming months.
Read all positive factors
Repco Home Finance Ltd. (REPCOHOME) vs. iShares MSCI India ETF (INDA)
Market Cap
₹25.39B
Dividend Yield1.61%
Average Volume (3M)46.04K
Price to Earnings (P/E)5.4
Beta (1Y)1.33
Revenue Growth4.25%
EPS Growth3.04%
CountryIN
Employees823
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)75.55
Shares Outstanding62,561,360
10 Day Avg. Volume32,072
30 Day Avg. Volume46,042
Financial Highlights & Ratios
PEG Ratio1.58
Price to Book (P/B)0.56
Price to Sales (P/S)1.27
P/FCF Ratio-2.46
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)73.21
Revenue Forecast (FY)₹8.89B
Repco Home Finance Ltd. Business Overview & Revenue Model
Company Description
Repco Home Finance Limited operates as an Indian company primarily focused on providing housing finance. Its extensive range of offerings includes mortgages for constructing or purchasing residences, funding for home repairs, renovations, or exten...
How the Company Makes Money
Repco Home Finance makes money primarily through net interest income generated from its lending operations. The company raises funds through borrowings (such as bank/NBFC lines, refinancing and other debt funding typical for HFCs) and uses these f...
Repco Home Finance Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
56
Neutral
Cash Flow
41
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 17.94B | 16.70B | 15.15B | 12.85B | 12.92B |
| Gross Profit | 7.38B | 6.02B | 5.83B | 5.84B | 6.02B |
| EBITDA | 5.79B | 6.15B | 5.42B | 11.17B | 9.62B |
| Net Income | 4.75B | 4.61B | 4.13B | 3.16B | 1.94B |
Balance Sheet | |||||
| Total Assets | 164.44B | 147.16B | 137.97B | 125.96B | 120.52B |
| Cash, Cash Equivalents and Short-Term Investments | 2.92B | 1.36B | 5.14B | 4.54B | 4.53B |
| Total Debt | 122.06B | 111.39B | 107.01B | 99.24B | 97.09B |
| Total Liabilities | 124.04B | 112.89B | 108.11B | 100.07B | 97.62B |
| Stockholders Equity | 40.41B | 34.27B | 29.85B | 25.89B | 22.90B |
Cash Flow | |||||
| Free Cash Flow | -9.23B | -6.33B | -7.08B | -3.71B | 6.80B |
| Operating Cash Flow | -8.96B | 4.16B | -6.85B | -3.63B | 6.91B |
| Investing Cash Flow | 589.70M | -10.36B | -1.09B | 1.60B | -1.63B |
| Financing Cash Flow | 9.88B | 4.08B | 7.47B | 2.05B | -5.31B |
Repco Home Finance Ltd. Technical Analysis
Positive
417.90
Price Trends
396.03
Positive
389.27
Positive
395.34
Positive
Market Momentum
9.62
Negative
51.43
Neutral
58.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:REPCOHOME, the sentiment is Positive. The current price of 417.9 is above the 20-day moving average (MA) of 402.76, above the 50-day MA of 396.03, and above the 200-day MA of 395.34, indicating a bullish trend. The MACD of 9.62 indicates Negative momentum. The RSI at 51.43 is Neutral, neither overbought nor oversold. The STOCH value of 58.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:REPCOHOME.
Repco Home Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹118.33B | 18.20 | ― | ― | ― | ― | |
70 Outperform | ₹118.67B | 11.23 | ― | 1.37% | 8.73% | 26.67% | |
70 Outperform | ₹279.53B | 12.32 | ― | 0.53% | 11.92% | 18.09% | |
69 Neutral | ₹25.39B | 5.40 | ― | 1.61% | 4.25% | 3.04% | |
69 Neutral | ₹291.84B | 5.30 | ― | 1.87% | 2.62% | 2.96% | |
64 Neutral | ₹229.78B | 21.00 | ― | ― | 18.59% | 19.15% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:REPCOHOME
Repco Home Finance Ltd.
410.00
-11.79
-2.80%
IN:AADHARHFC
Aadhar Housing Finance Ltd
531.15
79.15
17.51%
IN:AAVAS
Aavas Financiers Ltd.
1,505.65
-509.90
-25.30%
IN:CANFINHOME
Can Fin Homes Ltd.
915.05
133.43
17.07%
IN:LICHSGFIN
LIC Housing Finance Ltd
539.80
-53.70
-9.05%
IN:PNBHOUSING
PNB Housing Finance Limited
1,084.85
13.91
1.30%
Repco Home Finance Ltd. Corporate Events
Repco Home Finance Details FY26 Borrowings and Confirms Non-Large Corporate Status
May 21, 2026
Repco Home Finance reported that it is not categorized as a large corporate for the financial year ended March 31, 2026, despite carrying substantial long-term borrowings, which rose from Rs. 11,139.09 crore at the start of the year to Rs. 12,206....
Repco Home Finance opens special window for re-lodgement of physical share transfers
Apr 2, 2026
Repco Home Finance Ltd. has notified stock exchanges that it has published newspaper notices and issued a social media communication about a special window for re-lodgement of transfer requests for physical shares. The communication, made in line ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.