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Repco Home Finance Ltd. (IN:REPCOHOME)
:REPCOHOME
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Repco Home Finance Ltd.
(REPCOHOME)
Rating:61Neutral
Price Target:
₹396.00
▲(7.01% Upside)
Repco Home Finance Ltd. (REPCOHOME) vs. iShares MSCI India ETF (INDA)
Market Cap
₹23.15B
Dividend Yield1.07%
Average Volume (3M)23.00K
Price to Earnings (P/E)5.0
Beta (1Y)1.59
Revenue Growth9.72%
EPS Growth7.08%
CountryIN
Employees823
SectorFinancial
Sector Strength69
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)17.30
Shares Outstanding62,561,360
10 Day Avg. Volume47,010
30 Day Avg. Volume22,998
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹396.00Price Target Upside7.01% Upside
Rating ConsensusHold
Number of Analyst Covering1
Repco Home Finance Ltd. Business Overview & Revenue Model
Company DescriptionRepco 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 MoneyRepco 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
Income Statement
Balance Sheet
Cash Flow
| Breakdown | Dec 2025 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 7.57B | 6.87B | 5.33B | 6.02B | 5.03B |
| Gross Profit | 7.57B | 6.81B | 5.18B | 6.02B | 4.90B |
| EBITDA | 15.82B | 13.95B | 0.00 | 0.00 | 0.00 |
| Net Income | 4.61B | 4.16B | 3.16B | 1.94B | 3.00B |
Balance Sheet | |||||
| Total Assets | 147.16B | 137.97B | 125.96B | 120.52B | 124.20B |
| Cash, Cash Equivalents and Short-Term Investments | 1.36B | 5.14B | 4.54B | 4.53B | 4.55B |
| Total Debt | 111.39B | 107.01B | 99.24B | 97.09B | 102.17B |
| Total Liabilities | 112.89B | 108.11B | 100.07B | 97.62B | 103.07B |
| Stockholders Equity | 34.27B | 29.85B | 25.89B | 22.90B | 21.13B |
Cash Flow | |||||
| Free Cash Flow | -6.33B | -7.08B | -3.71B | 6.80B | 8.47B |
| Operating Cash Flow | -6.10B | -6.85B | -3.63B | 6.91B | 8.49B |
| Investing Cash Flow | -10.36B | -1.09B | 1.60B | -1.63B | 118.60M |
| Financing Cash Flow | 4.08B | 7.47B | 2.05B | -5.31B | -7.30B |
Repco Home Finance Ltd. Technical Analysis
Negative
370.05
Price Trends
413.51
Negative
398.60
Negative
399.76
Negative
Market Momentum
-13.21
Positive
28.78
Positive
15.92
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:REPCOHOME, the sentiment is Negative. The current price of 370.05 is below the 20-day moving average (MA) of 391.59, below the 50-day MA of 413.51, and below the 200-day MA of 399.76, indicating a bearish trend. The MACD of -13.21 indicates Positive momentum. The RSI at 28.78 is Positive, neither overbought nor oversold. The STOCH value of 15.92 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:REPCOHOME.
Repco Home Finance Ltd. Peers Comparison
Overall Rating
UnderperformOutperform
Sector (70)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹102.35B | 11.61 | 1.54% | 9.28% | 14.93% | ||
73 Outperform | ₹1.10T | 17.92 | 0.97% | 38.22% | 37.80% | ||
70 Outperform | €14.39B | 8.60 | 6.89% | 4.50% | 38.45% | 42.04% | |
61 Neutral | ₹23.15B | 4.99 | 1.07% | 9.72% | 7.08% | ||
57 Neutral | ₹951.55B | 41.41 | ― | ― | ― | ||
56 Neutral | ₹173.12B | 15.67 | ― | 25.49% | 19.81% |
* Financial Sector Average
Performance Comparison
IN:REPCOHOME
Repco Home Finance Ltd.
370.05
-128.98
-25.85%
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
112.95
-68.53
-37.76%
IN:CANFINHOME
Can Fin Homes Ltd.
769.20
-69.69
-8.31%
IN:FIVESTAR
Five-Star Business Finance Limited
588.85
-144.71
-19.73%
IN:MUTHOOTFIN
Muthoot Finance Ltd
2,677.40
765.10
40.01%
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.