Repco Home Finance Ltd

Repco Home Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Repco Home Finance Ltd

₹ 441 -1.79%
21 Nov - close price
repcohome.com BSE: 535322 NSE: REPCOHOME
About

Established in April 2000, Repco Home Finance Ltd. is a registered housing finance company. It is a subsidiary of the Repatriates Cooperative Finance and Development Bank Limited(Repco Bank).[1][2]

Key Points

Business Segments
Individual Home Loans: The Co. offers several products for the Construction/Purchase and Repair/Renovation of homes like Dream Home Loan, Plot loan, Super Loan, Repco Privilege, Home Makeover Loan, etc.
Loans Against Property(LAP): The Co. also offers loans against properties under products like Prosperity loan, New Horizon Loan, and Commercial Real Estate Loan. [1]

Website BSE NSE
  • Market Cap ₹ 2,764 Cr.
  • Current Price ₹ 441
  • High / Low ₹ 595 / 366
  • Stock P/E 6.50
  • Book Value ₹ 494
  • Dividend Yield 0.68 %
  • ROCE 10.5 %
  • ROE 14.6 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.89 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 5.10% over past five years.
  • Company has a low return on equity of 12.2% over last 3 years.
  • Dividend payout has been low at 6.21% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of BSE Allcap BSE SmallCap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 330 322 318 302 314 327 340 364 380 387 393 408 415
Interest 174 172 168 165 169 181 186 203 207 215 220 233 240
42 108 95 53 50 37 42 40 40 39 33 43 26
Financing Profit 113 43 56 84 95 109 113 122 132 133 140 132 149
Financing Margin % 34% 13% 17% 28% 30% 33% 33% 33% 35% 34% 36% 32% 36%
5 4 6 5 3 4 3 2 4 6 5 8 13
Depreciation 3 3 3 4 3 4 4 4 4 5 6 4 9
Profit before tax 115 43 58 84 95 109 112 120 132 134 139 137 153
Tax % 25% 26% 28% 26% 25% 26% 27% 26% 26% 26% 22% 23% 26%
86 31 42 62 71 81 82 89 98 99 108 105 113
EPS in Rs 13.73 5.03 6.72 9.92 11.37 12.91 13.12 14.24 15.68 15.89 17.27 16.85 17.98
Gross NPA % 4.30% 7.00% 7.00% 6.40% 6.50% 6.20% 5.80% 5.50% 4.93% 4.70% 4.10% 4.30%
Net NPA % 5.00% 4.90% 4.20% 3.80% 3.45% 3.00% 2.80% 2.16% 1.90% 1.50% 1.70%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 406 535 693 882 1,046 1,109 1,191 1,348 1,376 1,292 1,285 1,528 1,603
Interest 266 325 431 548 646 649 720 825 807 690 701 846 908
32 59 72 99 116 151 110 153 182 344 182 152 141
Financing Profit 108 152 189 234 284 309 361 370 386 258 402 530 554
Financing Margin % 27% 28% 27% 27% 27% 28% 30% 27% 28% 20% 31% 35% 35%
0 0 0 0 0 1 4 3 17 15 14 13 32
Depreciation 2 2 3 4 4 3 5 13 13 13 15 18 23
Profit before tax 107 149 186 230 280 307 360 360 390 260 401 525 562
Tax % 25% 26% 34% 35% 35% 35% 35% 22% 26% 26% 26% 25%
80 110 123 150 182 201 235 280 288 192 296 395 425
EPS in Rs 12.87 17.71 19.74 24.00 29.13 32.13 37.51 44.81 45.97 30.62 47.33 63.09 67.99
Dividend Payout % 9% 7% 8% 8% 7% 7% 7% 6% 5% 8% 6% 5%
Compounded Sales Growth
10 Years: 11%
5 Years: 5%
3 Years: 4%
TTM: 14%
Compounded Profit Growth
10 Years: 14%
5 Years: 11%
3 Years: 11%
TTM: 22%
Stock Price CAGR
10 Years: -2%
5 Years: 9%
3 Years: 17%
1 Year: 12%
Return on Equity
10 Years: 14%
5 Years: 13%
3 Years: 12%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 62 62 62 63 63 63 63 63 63 63 63 63 63
Reserves 572 676 750 892 1,075 1,246 1,465 1,724 1,997 2,173 2,454 2,831 3,030
3,065 3,902 5,104 6,538 7,560 8,134 9,349 10,109 10,197 9,692 9,924 10,701 11,474
93 96 159 270 345 288 81 99 108 70 83 110 120
Total Liabilities 3,792 4,736 6,076 7,763 9,043 9,731 10,957 11,995 12,365 11,997 12,523 13,705 14,687
4 5 9 9 9 14 16 37 31 35 40 58 78
CWIP 0 0 0 0 0 0 0 0 0 0 4 4 0
Investments 8 12 12 12 16 16 22 22 22 32 32 32 176
3,780 4,719 6,054 7,742 9,018 9,702 10,919 11,935 12,311 11,930 12,448 13,612 14,432
Total Assets 3,792 4,736 6,076 7,763 9,043 9,731 10,957 11,995 12,365 11,997 12,523 13,705 14,687

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
104 -1,011 -1,193 -1,414 -1,001 -557 -1,015 349 849 691 -363 -685
-4 -6 -7 -7 -6 0 -11 -3 12 -163 160 -109
91 829 1,195 1,424 1,009 562 1,058 -79 -730 -531 205 747
Net Cash Flow 191 -188 -5 3 2 5 32 267 131 -2 2 -46

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 17% 16% 16% 17% 17% 16% 17% 17% 15% 9% 12% 15%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13% 37.13%
18.01% 17.91% 16.31% 18.84% 16.64% 14.55% 13.41% 15.29% 13.78% 13.95% 14.04% 12.90%
21.01% 19.71% 16.64% 16.86% 16.96% 18.03% 19.55% 18.40% 19.09% 19.57% 18.79% 19.90%
23.85% 25.24% 29.91% 27.15% 29.26% 30.28% 29.91% 29.17% 29.98% 29.34% 30.02% 30.05%
No. of Shareholders 41,12144,84047,24348,70947,49148,17444,53043,10141,57142,93445,25754,142

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

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DRHP

Credit ratings

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