Repco Home Finance Ltd. (REPCOHOME) AI Stock Analysis

• Market Cap: ₹23.44B
• Dividend Yield: 1.74%
• Average Volume (3M): 35.19K
• Price to Earnings (P/E): 5.0
• Beta (1Y): 1.63
• Revenue Growth: 9.72%
• EPS Growth: 7.08%
• Country: IN
• Employees: 823
• Sector: Financial
• Sector Strength: 73
• Industry: Financial - Mortgages
• EPS (TTM): 17.30
• Shares Outstanding: 62,561,360
• 10 Day Avg. Volume: 20,082
• 30 Day Avg. Volume: 35,185
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹396.00
• Price Target Upside: 5.71% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ₹396.00 ▲(5.71% Upside)

Repco Home Finance Ltd. has a balanced score driven by strong financial performance and attractive valuation. However, the technical analysis indicates bearish momentum, which poses a risk to short-term price movements. The company's high leverage and negative cash flows also present potential challenges that need to be addressed for long-term stability.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business model, enhancing long-term financial stability.

Market Position

A leading position in the housing finance sector suggests strong brand recognition and customer trust, supporting sustained business growth.

Profitability

High profitability margins demonstrate efficient operations and cost management, contributing to long-term financial health.

Negative Factors

High Leverage

High leverage can increase financial risk, potentially impacting the company's ability to manage debt and sustain operations during downturns.

Negative Cash Flows

Negative cash flows can strain liquidity, limiting the company's ability to invest in growth opportunities and meet financial obligations.

Cash Flow Management

Inefficient cash flow management may hinder financial flexibility, affecting the company's capacity to sustain operations and growth.

Repco Home Finance Ltd. Business Overview & Revenue Model

Company Description

Repco Home Finance Ltd. (REPCOHOME) is a leading housing finance company in India, primarily focused on providing home loans to individuals for residential properties. Established in 2000, the company caters to a diverse clientele, offering a range of financial products that include home loans, loans against property, and construction loans. With a strong presence in both urban and rural markets, REPCOHOME is committed to promoting home ownership and strengthening the housing finance sector in India.

How the Company Makes Money

Repco Home Finance Ltd. generates revenue primarily through the interest earned on home loans and other related financial products offered to customers. The company lends funds to individuals at competitive interest rates, which are higher than the rates at which it borrows from financial institutions or raises capital. This spread between lending and borrowing rates constitutes a significant portion of its earnings. Additionally, REPCOHOME earns fees from processing loan applications and other ancillary services related to home financing. The company may also engage in partnerships with real estate developers and builders, which can provide a steady stream of customers seeking financing options, thereby enhancing its revenue potential. Moreover, the company's ability to manage its non-performing assets (NPAs) effectively contributes to sustained profitability.

Repco Home Finance Ltd. Financial Statement Overview

Summary

Repco Home Finance Ltd. demonstrates strong revenue growth and profitability, supported by high margins. However, the company's high leverage and negative cash flows present potential risks. Improving cash flow management and reducing debt levels could enhance financial stability and long-term growth prospects.

Income Statement

Repco Home Finance Ltd. has shown consistent revenue growth over the years, with a notable increase of 5.16% in the latest year. The company maintains a strong gross profit margin of 100%, indicating effective cost management. The net profit margin is also robust at 60.97%, reflecting high profitability. However, the EBIT and EBITDA margins are unusually high due to the nature of financial reporting in the mortgage industry, which may not accurately reflect operational efficiency.

Balance Sheet

The company has a high debt-to-equity ratio of 3.25, indicating significant leverage, which could pose a risk if not managed properly. However, the return on equity is healthy at 13.47%, showing effective use of equity to generate profits. The equity ratio stands at 23.28%, suggesting a moderate level of equity financing relative to total assets.

Cash Flow

Repco Home Finance Ltd. faces challenges with negative operating and free cash flows, which could impact liquidity. The free cash flow to net income ratio is slightly above 1, indicating that cash flow generation is not keeping pace with net income. The company needs to improve cash flow management to ensure sustainable operations.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	9.91B	7.57B	6.87B	5.33B	6.02B	5.03B
Gross Profit	7.44B	7.57B	6.81B	5.18B	6.02B	4.90B
EBITDA	2.78B	15.82B	13.95B	0.00	0.00	0.00
Net Income	4.61B	4.61B	4.16B	3.16B	1.94B	3.00B
Balance Sheet
Total Assets	147.16B	147.16B	137.97B	125.96B	120.52B	124.20B
Cash, Cash Equivalents and Short-Term Investments	1.36B	1.36B	5.14B	4.54B	4.53B	4.55B
Total Debt	111.39B	111.39B	107.01B	99.24B	97.09B	102.17B
Total Liabilities	112.89B	112.89B	108.11B	100.07B	97.62B	103.07B
Stockholders Equity	34.27B	34.27B	29.85B	25.89B	22.90B	21.13B
Cash Flow
Free Cash Flow	0.00	-6.33B	-7.08B	-3.71B	6.80B	8.47B
Operating Cash Flow	0.00	-6.10B	-6.85B	-3.63B	6.91B	8.49B
Investing Cash Flow	0.00	-10.36B	-1.09B	1.60B	-1.63B	118.60M
Financing Cash Flow	0.00	4.08B	7.47B	2.05B	-5.31B	-7.30B

Repco Home Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 374.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 374.6 is above the 20-day moving average (MA) of 361.11, below the 50-day MA of 391.29, and below the 200-day MA of 389.48, indicating a neutral trend. The MACD of -6.51 indicates Negative momentum. The RSI at 53.36 is Neutral, neither overbought nor oversold. The STOCH value of 79.14 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MUTHOOTFIN	73 Outperform	₹1.17T	19.09		0.89%	38.22%	37.80%
Sector *	68 Neutral	$18.02B	11.58	9.93%	3.75%	9.73%	1.23%
REPCOHOME	61 Neutral	₹23.44B	5.05		1.74%	9.72%	7.08%
AADHARHFC	―	₹219.30B	22.98		―	―	―
CANFINHOME	71 Outperform	₹99.29B	11.26		1.62%	9.28%	14.93%
BAJAJHFL	57 Neutral	₹933.64B	40.59		―	―	―
FIVESTAR	56 Neutral	₹159.19B	14.59		0.37%	25.49%	19.81%