Market Cap ₹3022 Cr.
Stock P/E 7.8
P/B 1.1
Current Price ₹483
Book Value ₹ 458.3
Face Value 10
52W High ₹542
Dividend Yield 0.56%
52W Low ₹ 201
Repco Home Finance Ltd is an totally India-based housing finance employer. The Company affords quite a number of domestic loan merchandise to individual debtors in both the salaried and non-salaried (self-hired expert and self-employed non-expert) segments to suit diverse necessities. The Company has presence in segments: Individual Home Loans and Loans Against Property. The Company's loans for construction or buy of residence property encompass Dream Home Loan, Super Loan, Fifty Plus Loan, NRI Housing Loan, New Horizon Loan, Repco - Rural Loan and Repco - Premium Loan. The Company's loans for repair and preservation/extension of existing belongings include Home Makeover Loan. The Company offers loans for purchase of plots, along with Plot Loans. The Company gives loans towards belongings, along with Prosperity mortgage. The Company has a network of about 150 branches/satellite facilities. The Company additionally offers Repco - Delight, New Horizon Loan and Commercial Real Estate (CRE) Loan.
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| #(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 330 | 322 | 318 | 302 | 314 | 327 | 340 | 364 | 380 | 387 |
| Other Income | 5 | 4 | 6 | 5 | 3 | 4 | 3 | 2 | 4 | 6 |
| Total Income | 335 | 325 | 324 | 307 | 318 | 331 | 344 | 367 | 384 | 393 |
| Total Expenditure | 42 | 108 | 95 | 53 | 219 | 37 | 42 | 40 | 248 | 39 |
| Operating Profit | 292 | 218 | 230 | 254 | 99 | 294 | 302 | 326 | 136 | 354 |
| Interest Expense | 174 | 172 | 168 | 165 | 0 | 181 | 186 | 203 | 0 | 215 |
| Depreciation | 3 | 3 | 3 | 4 | 3 | 4 | 4 | 4 | 4 | 5 |
| Profit Before Tax | 115 | 43 | 58 | 84 | 95 | 109 | 112 | 120 | 132 | 134 |
| Provision for Tax | 29 | 11 | 16 | 22 | 24 | 28 | 30 | 31 | 34 | 35 |
| Profit After Tax | 86 | 31 | 42 | 62 | 71 | 81 | 82 | 89 | 98 | 99 |
| Adjustments | 0 | 3 | -1 | 11 | -1 | 2 | 2 | 6 | 5 | 5 |
| Profit After Adjustments | 86 | 35 | 41 | 74 | 70 | 83 | 84 | 95 | 103 | 104 |
| Adjusted Earnings Per Share | 13.8 | 5.6 | 6.5 | 11.8 | 11.1 | 13.3 | 13.4 | 15.3 | 16.5 | 16.6 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 692 | 881 | 1044 | 1107 | 1189 | 1345 | 1373 | 1290 | 1284 | 1471 |
| Other Income | 1 | 1 | 2 | 3 | 6 | 6 | 19 | 16 | 15 | 15 |
| Total Income | 693 | 882 | 1046 | 1110 | 1195 | 1351 | 1392 | 1307 | 1299 | 1488 |
| Total Expenditure | 72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 369 |
| Operating Profit | 621 | 782 | 930 | 959 | 1085 | 1198 | 1210 | 962 | 1117 | 1118 |
| Interest Expense | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 604 |
| Depreciation | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 17 |
| Profit Before Tax | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 498 |
| Provision for Tax | 63 | 80 | 98 | 106 | 125 | 80 | 102 | 68 | 105 | 130 |
| Profit After Tax | 123 | 150 | 182 | 201 | 235 | 280 | 288 | 192 | 296 | 368 |
| Adjustments | 2 | 4 | 5 | 9 | 14 | 18 | 13 | 3 | 20 | 18 |
| Profit After Adjustments | 125 | 154 | 188 | 210 | 249 | 298 | 300 | 194 | 316 | 386 |
| Adjusted Earnings Per Share | 20.1 | 24.6 | 30 | 33.6 | 39.8 | 47.7 | 48 | 31 | 50.6 | 61.8 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -0% | -2% | 3% | 0% |
| Operating Profit CAGR | 16% | -2% | 3% | 0% |
| PAT CAGR | 54% | 2% | 8% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 135% | 12% | 4% | 2% |
| ROE Average | 12% | 12% | 14% | 15% |
| ROCE Average | 9% | 9% | 10% | 10% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 817 | 963 | 1150 | 1326 | 1557 | 1830 | 2113 | 2290 | 2589 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 3880 | 5025 | 5532 | 6712 | 8550 | 9049 | 9130 | 8607 | 8834 |
| Current Liability | 1273 | 1630 | 2145 | 1671 | 827 | 1123 | 1136 | 1136 | 1139 |
| Other Liabilities & Provisions | 110 | 153 | 230 | 40 | 52 | 36 | 40 | 19 | 35 |
| Total Liabilities | 6081 | 7772 | 9055 | 9748 | 10987 | 12038 | 12418 | 12052 | 12596 |
| Loans | 5620 | 7192 | 8369 | 9628 | 10814 | 11561 | 11806 | 11260 | 11932 |
| Investments | 18 | 21 | 28 | 33 | 52 | 65 | 76 | 86 | 105 |
| Fixed Assets | 9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 |
| Other Loans | 7 | 11 | 12 | 28 | 37 | 38 | 38 | 50 | 44 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 |
| Current Assets | 427 | 539 | 637 | 46 | 69 | 336 | 468 | 619 | 472 |
| Total Assets | 6081 | 7772 | 9055 | 9748 | 10987 | 12038 | 12418 | 12052 | 12596 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 21 | 16 | 19 | 21 | 26 | 58 | 324 | 455 | 453 |
| Cash Flow from Operating Activities | -1193 | -1414 | -1001 | -557 | -1015 | 349 | 849 | 691 | -363 |
| Cash Flow from Investing Activities | -7 | -7 | -6 | 0 | -11 | -3 | 12 | -163 | 160 |
| Cash Flow from Financing Activities | 1195 | 1424 | 1009 | 562 | 1058 | -79 | -730 | -531 | 205 |
| Net Cash Inflow / Outflow | -5 | 3 | 2 | 5 | 32 | 267 | 131 | -2 | 2 |
| Closing Cash & Cash Equivalent | 16 | 19 | 21 | 26 | 58 | 324 | 455 | 453 | 454 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 20.1 | 24.63 | 30 | 33.61 | 39.81 | 47.66 | 47.99 | 31.03 | 50.56 |
| CEPS(Rs) | 20.21 | 24.66 | 29.7 | 32.62 | 38.31 | 46.88 | 48.05 | 32.68 | 49.72 |
| DPS(Rs) | 1.5 | 1.8 | 2 | 2.2 | 2.5 | 2.5 | 2.5 | 2.5 | 2.7 |
| Book NAV/Share(Rs) | 129.54 | 153.73 | 183.75 | 211.95 | 248.89 | 292.53 | 337.73 | 366.04 | 413.87 |
| Net Profit Margin | 17.79 | 17.04 | 17.45 | 18.15 | 19.73 | 20.84 | 20.94 | 14.85 | 23.06 |
| Operating Margin | 89.27 | 88.38 | 88.73 | 86.37 | 90.79 | 88.09 | 87.15 | 73.59 | 85.83 |
| PBT Margin | 26.91 | 26.13 | 26.83 | 27.76 | 30.26 | 26.77 | 28.38 | 20.11 | 31.22 |
| ROA(%) | 2.02 | 2.17 | 2.17 | 2.14 | 2.26 | 2.44 | 2.35 | 1.57 | 2.4 |
| ROE(%) | 15.24 | 16.97 | 17.27 | 16.24 | 16.28 | 16.55 | 14.59 | 8.7 | 12.14 |
| ROCE(%) | 10.43 | 11.6 | 11.43 | 10.53 | 10.6 | 10.38 | 9.87 | 7.82 | 9 |
| Price/Earnings(x) | 31.81 | 23.53 | 23.42 | 16.25 | 11.69 | 2.46 | 7.02 | 5.69 | 3.55 |
| Price/Book(x) | 4.94 | 3.77 | 3.82 | 2.58 | 1.87 | 0.4 | 1 | 0.48 | 0.43 |
| Dividend Yield(%) | 0.23 | 0.31 | 0.28 | 0.4 | 0.54 | 2.13 | 0.74 | 1.42 | 1.5 |
| EV/Net Sales(x) | 13.11 | 11.52 | 11.43 | 10.41 | 10.26 | 7.82 | 8.63 | 7.9 | 8.25 |
| EV/Core EBITDA(x) | 14.62 | 12.96 | 12.83 | 12.01 | 11.25 | 8.78 | 9.79 | 10.59 | 9.49 |
| Interest Earned Growth(%) | 0 | 27.28 | 18.57 | 6.03 | 7.41 | 13.14 | 2.08 | -6.06 | -0.5 |
| Net Profit Growth | 0 | 21.94 | 21.43 | 10.29 | 16.74 | 19.48 | 2.59 | -33.4 | 54.57 |
| EPS Growth(%) | 0 | 22.55 | 21.77 | 12.06 | 18.44 | 19.71 | 0.69 | -35.34 | 62.94 |
| Interest Coverage(x) % | 1.43 | 1.42 | 1.43 | 1.47 | 1.5 | 1.44 | 1.48 | 1.38 | 1.57 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 | 37.13 |
| FII | 18.01 | 17.91 | 16.31 | 18.85 | 16.65 | 14.55 | 13.41 | 15.29 | 13.79 | 13.95 |
| DII | 21.01 | 19.71 | 16.64 | 16.86 | 16.95 | 18.03 | 19.54 | 18.4 | 19.1 | 19.57 |
| Public | 23.85 | 25.24 | 29.91 | 27.16 | 29.27 | 30.29 | 29.92 | 29.18 | 29.98 | 29.35 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 2.32 | 2.32 | 2.32 | 2.32 | 2.32 | 2.32 | 2.32 | 2.32 | 2.32 | 2.32 |
| FII | 1.13 | 1.12 | 1.02 | 1.18 | 1.04 | 0.91 | 0.84 | 0.96 | 0.86 | 0.87 |
| DII | 1.31 | 1.23 | 1.04 | 1.05 | 1.06 | 1.13 | 1.22 | 1.15 | 1.19 | 1.22 |
| Public | 1.49 | 1.58 | 1.87 | 1.7 | 1.83 | 1.9 | 1.87 | 1.83 | 1.88 | 1.84 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 6.26 | 6.26 | 6.26 | 6.26 | 6.26 | 6.26 | 6.26 | 6.26 | 6.26 | 6.26 |
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