Repco Home Finance
- Market cap
- ₹ 1,923 Cr.
- P/E
- 4x
- P/B
- 0.48x
- 52-week range
- 294.05 – 455.9
- ROE
- 13%
- Dividend yield
- 1.6%
- Debt / equity
- 3.03
- Sector
- Finance
- Industry
- Housing Finance Company
- Listed on
- NSE, BSE
About
Repco Home Finance Limited is an India-based Non-Banking Financial Company-Housing Finance Company (NBFC-HFC). The Company is engaged in financing the purchase and construction of houses. The Company provides loans for construction or purchase of residential property. The Company operates through two segments: Individual Home Loans and Home Equity. The Company provides a variety of home loan products to individual borrowers in both salaried and non-salaried (self-employed professional and self-employed non-professional) segments to suit various requirements. Its construction or purchase loans include dream home loan, composite loan, fifty plus loan, Non-Resident Indian (NRI) housing loan, plot loan, and repco privilege. Its repair and renovation/ extension/ multipurpose loans include home makeover loan, and super loan. The Company’s home equity loans include prosperity loan, new horizon loan, commercial real estate (CRE) loan, and repco nivaran plus.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Housing Finance Company: 20 companies →Repco Home Finance against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)4 against a typical 12.9: cheaper than most peers (1st = cheapest).1st of 19
- Sales growth+6.4% against a typical +8.5% from a year earlier.12th of 18
- Profit growth+6.1% against a typical +19% from a year earlier.13th of 17
- Share price, 3 months−23.2% against a typical −12.3%.14th of 19
- Size₹ 1,922.9 Cr. market value against a typical ₹ 6,610.8 Cr. (1st = largest).11th of 19
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
High safety
Rated AA- by 2 agencies- All agencies agree and none has raised a warning.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | CARE AA- | Stable | 29 Sep 2026 |
| ICRA | [ICRA]AA- | Stable | 21 Aug 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 29 Sep 2026 | Reaffirmed | CARE AA- | — | CARE | ₹ 11,945 Cr. | |
| 21 Aug 2026 | Reaffirmed | [ICRA]AA-(SO) → [ICRA]AA- | — | ICRA | ₹ 6,300 Cr. | |
| 25 Feb 2026 | Reaffirmed | Provisional [ICRA]AA-(SO) → [ICRA]AA-(SO) | — | ICRA | ₹ 97.79 Cr. | |
| 12 Dec 2025 | Reaffirmed | [ICRA]AA- → Provisional [ICRA]AA-(SO) | — | ICRA | ₹ 98.26 Cr. | |
| 9 Oct 2025 | Reaffirmed | [ICRA]AA- | — | ICRA | ₹ 4,300 Cr. |
Research by Minerva Capital Research Solutions
Our research team's work on Repco Home FinanceAlso covered in
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 11 Aug 2026 | Financial Results | To consider and approve the financial results for the period ended Jun 30, 2026 |
| 21 May 2026 | Financial Results/Dividend/Fund Raising | To consider and approve the financial results for the period ended March 31, 2026, dividend and Fund Raising |
| 13 Mar 2026 | Fund Raising | To consider Fund Raising |
| 5 Feb 2026 | Financial Results/Dividend | To consider and approve the financial results for the period ended December 31, 2025 and dividend |
| 12 Nov 2025 | Financial Results | To consider and approve the financial results for the period ended September 30, 2025 |
| 7 Aug 2025 | Financial Results/Dividend | To consider and approve the financial results for the period ended Jun 30, 2025 and dividend |
Financials
Consolidated figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 380 | 387 | 393 | 408 | 423 | 445 | 426 | 440 | 441 | 457 | 454 | 468 |
| Interest | 207 | 215 | 220 | 233 | 240 | 248 | 246 | 244 | 244 | 249 | 247 | 251 |
| Expenses | 40 | 39 | 33 | 43 | 26 | 45 | 28 | 43 | 51 | 49 | 49 | 58 |
| Financing Profit | 132 | 133 | 140 | 132 | 157 | 152 | 152 | 154 | 146 | 159 | 158 | 158 |
| Financing Margin % | 35% | 34% | 36% | 32% | 37% | 34% | 36% | 35% | 33% | 35% | 35% | 34% |
| Other Income | 1 | 6 | 5 | 8 | 1 | 0 | 9 | 0 | 1 | 0 | 1 | 0 |
| Depreciation | 4 | 5 | 6 | 4 | 9 | 8 | 7 | 8 | 8 | 10 | 10 | 10 |
| Profit before tax | 129 | 134 | 139 | 137 | 149 | 144 | 154 | 146 | 139 | 149 | 148 | 148 |
| Tax % | 26% | 26% | 22% | 23% | 27% | 26% | 25% | 26% | 26% | 27% | 13% | 23% |
| Net Profit | 100 | 104 | 114 | 113 | 115 | 113 | 121 | 115 | 110 | 115 | 135 | 122 |
| EPS in Rs | 15.98 | 16.63 | 18.18 | 17.99 | 18.4 | 18.09 | 19.29 | 18.4 | 17.53 | 18.45 | 21.61 | 19.44 |
Growth and returns
Compounded yearly rates over each period.
- 10 Years
- 7%
- 5 Years
- 5%
- 3 Years
- 12%
- TTM
- 5%
- 10 Years
- 12%
- 5 Years
- 10%
- 3 Years
- 15%
- TTM
- 4%
- 10 Years
- −8%
- 5 Years
- 3%
- 3 Years
- −4%
- TTM
- —
- 10 Years
- 14%
- 5 Years
- 13%
- 3 Years
- 14%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
Peers
Listed companies in the same business.
| Repco Home Finance | ₹ 304.20 | ₹ 1,923 Cr. | 4x | 0.5x | 13% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Thangappan Karunakaran
- Managing Director and Chief Executive Officer, Executive Director
- Shanthi Srikanth
- Chief Financial Officer, General Manager
- Ankush Tiwari
- Company Secretary and Compliance Officer
Prices are delayed and for information only. Nothing on this page is investment advice.