Repco Home Finance Ltd. (IN:REPCOHOME)
:REPCOHOME
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Repco Home Finance Ltd.
(REPCOHOME)
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Rating:62Neutral
Price Target:
₹395.00
▼(-5.48% Downside)
Action:DowngradedDate:11/25/25
Repco Home Finance Ltd. has strong financial performance with high profitability, but faces risks due to high leverage and negative cash flows. The stock's undervaluation and potential technical rebound offer opportunities, though caution is advised due to liquidity concerns.
Positive Factors
High profitability
Sustained very high reported margins indicate the firm generates strong net interest spreads and fee income relative to costs. Over 2–6 months this underpins internal capital generation, supports ROE, and provides buffer to absorb credit costs or invest in origination capacity.
Negative Factors
High leverage
Significant leverage raises refinancing and interest-rate sensitivity risks, reducing financial flexibility. Over several months a high debt load can constrain capital allocation, amplify stress if funding costs rise, and limit the company’s ability to absorb credit shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Sustained very high reported margins indicate the firm generates strong net interest spreads and fee income relative to costs. Over 2–6 months this underpins internal capital generation, supports ROE, and provides buffer to absorb credit costs or invest in origination capacity.
Read all positive factors
Repco Home Finance Ltd. (REPCOHOME) vs. iShares MSCI India ETF (INDA)
Market Cap
₹23.56B
Dividend Yield1.61%
Average Volume (3M)46.04K
Price to Earnings (P/E)5.6
Beta (1Y)1.45
Revenue Growth8.10%
EPS Growth2.97%
CountryIN
Employees823
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)17.40
Shares Outstanding62,561,360
10 Day Avg. Volume32,072
30 Day Avg. Volume46,042
Financial Highlights & Ratios
PEG Ratio0.39
Price to Book (P/B)0.62
Price to Sales (P/S)1.27
P/FCF Ratio-3.36
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹440.00Price Target Upside5.29% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)75.26
Revenue Forecast (FY)₹9.17B
Repco Home Finance Ltd. Business Overview & Revenue Model
Company Description
Repco Home Finance Limited operates as a housing finance company in India. It provides housing loans for the construction or purchase of homes; loans for the repairs, renovation, and/or extension of homes; loans for the purchase of plot for constr...
How the Company Makes Money
Repco Home Finance primarily makes money through net interest income generated from its lending business. The company raises funds through borrowings (such as bank loans, refinancing lines, debentures/bonds, and other wholesale funding sources) an...
Repco Home Finance Ltd. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.34B | 16.70B | 15.15B | 12.85B | 12.92B | 13.76B |
| Gross Profit | 531.00M | 6.02B | 5.83B | 5.84B | 6.02B | 5.68B |
| EBITDA | 1.34B | 6.15B | 5.42B | 11.17B | 9.62B | 12.10B |
| Net Income | 4.59B | 4.61B | 4.13B | 3.16B | 1.94B | 3.00B |
Balance Sheet | ||||||
| Total Assets | 153.10B | 147.16B | 137.97B | 125.96B | 120.52B | 124.20B |
| Cash, Cash Equivalents and Short-Term Investments | 1.81B | 1.36B | 5.14B | 4.54B | 4.53B | 4.55B |
| Total Debt | 114.94B | 111.39B | 107.01B | 99.24B | 97.09B | 102.17B |
| Total Liabilities | 117.00B | 112.89B | 108.11B | 100.07B | 97.62B | 103.07B |
| Stockholders Equity | 36.11B | 34.27B | 29.85B | 25.89B | 22.90B | 21.13B |
Cash Flow | ||||||
| Free Cash Flow | -3.56B | -6.33B | -7.08B | -3.71B | 6.80B | 8.47B |
| Operating Cash Flow | -3.41B | 4.16B | -6.85B | -3.63B | 6.91B | 8.49B |
| Investing Cash Flow | 746.30M | -10.36B | -1.09B | 1.60B | -1.63B | 118.60M |
| Financing Cash Flow | 3.12B | 4.08B | 7.47B | 2.05B | -5.31B | -7.30B |
Repco Home Finance Ltd. Technical Analysis
Neutral
417.90
Price Trends
382.40
Negative
396.11
Negative
395.92
Negative
Market Momentum
-3.91
Negative
53.55
Neutral
85.55
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:REPCOHOME, the sentiment is Neutral. The current price of 417.9 is above the 20-day moving average (MA) of 361.87, above the 50-day MA of 382.40, and above the 200-day MA of 395.92, indicating a neutral trend. The MACD of -3.91 indicates Negative momentum. The RSI at 53.55 is Neutral, neither overbought nor oversold. The STOCH value of 85.55 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:REPCOHOME.
Repco Home Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹109.00B | 11.69 | ― | 1.37% | 8.92% | 12.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹1.30T | 13.64 | ― | 0.68% | 41.32% | 56.12% | |
62 Neutral | ₹23.56B | 5.62 | ― | 1.61% | 8.10% | 2.97% | |
59 Neutral | ₹110.11B | 14.49 | ― | 0.36% | 20.44% | 13.10% | |
58 Neutral | ₹198.42B | 18.67 | ― | ― | ― | ― | |
56 Neutral | ₹670.84B | 29.54 | ― | ― | ― | ― |
* Financial Sector Average
IN:REPCOHOME
Repco Home Finance Ltd.
376.55
34.40
10.05%
IN:AADHARHFC
Aadhar Housing Finance Ltd
455.40
-3.50
-0.76%
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
80.51
-37.74
-31.92%
IN:CANFINHOME
Can Fin Homes Ltd.
818.60
171.87
26.58%
IN:FIVESTAR
Five-Star Business Finance Limited
373.80
-321.49
-46.24%
IN:MUTHOOTFIN
Muthoot Finance Ltd
3,241.75
1,127.32
53.32%
Repco Home Finance Ltd. Corporate Events
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 ...
Repco Home Finance Raises Rs 125 Crore via Secured Listed NCDs
Mar 13, 2026
Repco Home Finance Ltd. has approved the allotment of 12,500 listed, rated, secured, senior, transferable, redeemable non-convertible debentures with a face value of Rs. 1,00,000 each, aggregating to Rs. 125 crore, through a private placement on t...
Repco Home Finance Sets Board Meet to Consider Q3 Results and Second Interim Dividend
Jan 24, 2026
Repco Home Finance has scheduled a board meeting on 5 February 2026 to consider and approve its unaudited financial results for the third quarter and nine months ended 31 December 2025, and to consider declaring a second interim dividend for the 2...
Repco Home Finance Schedules Earnings Call on Q3 FY26 Results
Jan 24, 2026
Repco Home Finance Ltd has announced that it will host an earnings conference call on 6 February 2026 at 4:00 pm IST to discuss its unaudited financial results for the quarter ended 31 December 2025. The call, organized with YES Securities (India)...
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.