Repco Home Finance

Market Cap (₹ Cr.)

₹3,305

52 Week High

595.00

Book Value

₹477

52 Week Low

351.05

PE Ratio

7.63

PB Ratio

1.11

PE for Sector

20.88

PB for Sector

-5.70

ROE

13.22 %

ROCE

9.98 %

Dividend Yield

0.57 %

EPS

₹69.28

Industry

Finance

Sector

Finance - Housing

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

18.60 %

Net Income Growth

33.31 %

Cash Flow Change

-88.64 %

ROE

15.62 %

ROCE

13.91 %

EBITDA Margin (Avg.)

4.83 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	191	200	216	225	240	247	260	266	274	274	286	275	275	287	296	304	308	328	336	341	346	342	350	360	340	322	335	325	324	307	318	331	344	367	384	393	397	416
Expenses	22	26	22	24	28	32	28	25	30	25	17	48	61	26	19	42	24	28	22	35	68	42	29	49	62	100	42	108	95	53	50	37	42	40	40	39	33	43
EBITDA	170	174	195	201	212	215	232	240	243	249	269	227	214	262	277	262	284	300	314	306	278	300	321	311	278	223	292	218	230	254	268	294	302	326	344	354	365	373
Operating Profit %	88 %	87 %	90 %	89 %	88 %	87 %	89 %	90 %	89 %	91 %	94 %	83 %	78 %	91 %	94 %	86 %	92 %	91 %	93 %	90 %	80 %	88 %	92 %	86 %	81 %	69 %	87 %	67 %	70 %	82 %	84 %	89 %	88 %	89 %	89 %	90 %	92 %	89 %
Depreciation	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	3	3	4	3	4	3	3	3	3	3	3	3	4	3	4	4	4	4	5	6	4
Interest	117	127	134	141	146	155	160	168	163	163	163	162	161	168	175	185	191	201	209	209	206	210	209	202	185	176	174	172	168	165	169	181	186	203	207	215	220	233
Profit Before Tax	52	46	60	59	65	59	71	71	79	86	106	64	52	92	100	76	91	96	102	93	69	86	108	106	90	44	115	43	58	84	95	109	112	120	132	134	139	137
Tax	17	16	21	20	23	20	24	24	23	24	27	26	25	27	27	25	23	27	15	22	31	21	24	25	28	24	26	24	24	22	24	23	25	25	27	29	27	27
Net Profit	35	30	39	39	42	40	46	46	51	56	70	42	33	61	67	56	52	62	101	70	48	64	81	80	63	32	86	31	42	62	71	81	82	89	98	99	108	105
EPS in ₹	5.58	4.85	6.26	6.18	6.75	6.32	7.30	7.42	8.09	8.94	11.29	6.77	5.21	9.73	10.70	8.89	8.24	9.97	16.08	11.14	7.62	10.23	12.92	12.72	10.10	5.13	13.73	5.03	6.72	9.92	11.37	12.91	13.12	14.24	15.68	15.90	17.27	16.85

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	6,076	7,763	9,043	9,731	10,957	11,995	12,365	11,997	12,523	13,705
Fixed Assets	9	9	9	14	16	37	31	35	40	58
Current Assets	427	539	637	34	82	347	477	638	486	575
Capital Work in Progress	0	0	0	0	0	0	0	0	4	4
Investments	0	0	0	0	22	22	22	32	32	32
Other Assets	6,067	7,754	9,034	9,717	10,919	11,935	12,311	11,930	12,448	13,612
Total Liabilities	5,264	6,808	7,906	8,423	9,430	10,208	10,305	9,762	10,007	10,811
Current Liabilities	1,273	1,630	2,145	1,060	29	63	68	61	64	69
Non Current Liabilities	3,990	5,178	5,761	7,362	9,401	10,145	10,237	9,701	9,944	10,743
Total Equity	812	955	1,137	1,308	1,527	1,787	2,059	2,236	2,516	2,894
Reserve & Surplus	750	892	1,075	1,246	1,465	1,724	1,997	2,173	2,454	2,831
Share Capital	62	63	63	63	63	63	63	63	63	63

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-5	3	2	5	32	267	131	-2	2	-46
Investing Activities	-7	-7	-6	0	-11	-3	12	-163	160	-109
Operating Activities	-1,193	-1,414	-1,001	-557	-1,015	349	849	691	-363	-685
Financing Activities	1,195	1,424	1,009	562	1,058	-79	-730	-531	205	747

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %	37.13 %
FIIs	20.35 %	17.92 %	17.61 %	18.01 %	17.91 %	16.31 %	18.85 %	16.65 %	14.55 %	13.41 %	15.29 %	13.79 %	13.95 %	14.04 %
DIIs	20.10 %	21.98 %	21.38 %	21.01 %	19.71 %	16.64 %	16.87 %	16.96 %	18.03 %	19.55 %	18.41 %	19.11 %	19.58 %	18.80 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	22.42 %	22.97 %	23.87 %	23.85 %	25.24 %	29.91 %	27.15 %	29.26 %	30.29 %	29.92 %	29.17 %	29.97 %	29.34 %	30.02 %

Show % Change

Dividend History

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Housing Finance	152.92	1,28,311.76	73.37	7,617.71	34.46	1,731	46,062.86	-
HUDCO	235.94	48,395.93	21.72	7,948.10	12.16	2,117	25.15	37.36
LIC Housing Finance	659.25	36,436.17	7.67	27,277.80	20.02	4,760	-0.96	41.89
PNB Housing Finance	971.80	25,521.76	16.02	7,057.09	8.08	1,508	24.61	47.02
Aadhar Housing Finance	458.05	20,146.15	25.07	2,586.98	26.59	750	36.79	51.16
Aptus Value Housing Finance	352.00	17,831.55	27.81	1,416.84	24.98	612	20.73	57.13
Aavas Financiers	1,850.60	14,370.53	29.30	2,020.69	25.46	491	14.81	55.75
Can Fin Homes	901.95	11,886.67	15.50	3,524.70	28.49	751	8.83	57.61
Sammaan Capital	162.11	11,792.86	9.45	8,624.77	-1.16	1,217	11.00	47.68
Home First Finance Company	1,184.45	10,598.90	32.67	1,156.55	45.37	306	26.98	50.41