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Repco Home Finance Ltd.
(REPCOHOME)
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Rating:69Neutral
Price Target:
₹389.00
▼(-0.05% Downside)
Action:Reiterated
Date:06/26/26
The score is driven by attractive valuation (low P/E with a dividend) and supportive technical trends (price above major moving averages with positive MACD). Offsetting these positives, financial performance is constrained by high leverage and especially inconsistent, often negative operating/free cash flow despite strong reported profitability.
Positive Factors
Revenue Growth
Strong recent revenue growth indicates expanding lending activity and improving business scale. If sustained, greater loan origination can deepen the company’s earnings base, improve operating leverage, and strengthen its position in retail and underserved housing-finance markets over coming quarters.
Negative Factors
High Leverage
Despite improvement, leverage remains high because the company carries a large debt base relative to equity. This structure makes earnings and liquidity more sensitive to funding conditions, refinancing costs, and credit deterioration, potentially limiting flexibility during a prolonged housing or lending downturn.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong recent revenue growth indicates expanding lending activity and improving business scale. If sustained, greater loan origination can deepen the company’s earnings base, improve operating leverage, and strengthen its position in retail and underserved housing-finance markets over coming quarters.
Read all positive factors
Repco Home Finance Ltd. (REPCOHOME) vs. iShares MSCI India ETF (INDA)
Market Cap
₹22.20B
Dividend Yield2.36%
Average Volume (3M)5.31K
Price to Earnings (P/E)4.7
Beta (1Y)1.25
Revenue Growth4.35%
EPS Growth3.85%
CountryIN
Employees1,256
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)76.59
Shares Outstanding62,561,360
10 Day Avg. Volume4,553
30 Day Avg. Volume5,312
Financial Highlights & Ratios
PEG Ratio1.58
Price to Book (P/B)0.56
Price to Sales (P/S)1.28
P/FCF Ratio-2.46
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)72.94
Revenue Forecast (FY)₹8.95B
Repco Home Finance Ltd. Business Overview & Revenue Model
Company Description
Repco Home Finance Limited operates as an Indian company primarily focused on providing housing finance. Its extensive range of offerings includes mortgages for constructing or purchasing residences, funding for home repairs, renovations, or exten...
How the Company Makes Money
Repco Home Finance makes money primarily through net interest income generated from its lending operations. The company raises funds through borrowings (such as bank/NBFC lines, refinancing and other debt funding typical for HFCs) and uses these f...
Repco Home Finance Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
56
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 18.19B | 17.76B | 16.70B | 15.15B | 12.85B | 12.92B |
| Gross Profit | 7.31B | 6.66B | 6.02B | 5.83B | 5.84B | 6.02B |
| EBITDA | 5.98B | 5.79B | 6.15B | 5.42B | 11.17B | 9.62B |
| Net Income | 4.82B | 4.75B | 4.61B | 4.13B | 3.16B | 1.94B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 164.44B | 147.16B | 137.97B | 125.96B | 120.52B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 2.92B | 1.36B | 5.14B | 4.54B | 4.53B |
| Total Debt | 0.00 | 122.06B | 111.39B | 107.01B | 99.24B | 97.09B |
| Total Liabilities | -40.41B | 124.04B | 112.89B | 108.11B | 100.07B | 97.62B |
| Stockholders Equity | 40.41B | 40.41B | 34.27B | 29.85B | 25.89B | 22.90B |
Cash Flow | ||||||
| Free Cash Flow | -3.56B | -9.23B | -6.33B | -7.08B | -3.71B | 6.80B |
| Operating Cash Flow | -3.41B | -8.96B | 4.16B | -6.85B | -3.63B | 6.91B |
| Investing Cash Flow | 746.30M | 589.70M | -10.36B | -1.09B | 1.60B | -1.63B |
| Financing Cash Flow | 3.12B | 9.88B | 4.08B | 7.47B | 2.05B | -5.31B |
Repco Home Finance Ltd. Technical Analysis
Negative
389.20
Price Trends
381.09
Negative
388.40
Negative
390.92
Negative
Market Momentum
-5.68
Negative
38.86
Neutral
23.90
Neutral
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 389.2 is above the 20-day moving average (MA) of 358.53, above the 50-day MA of 381.09, and below the 200-day MA of 390.92, indicating a bearish trend. The MACD of -5.68 indicates Negative momentum. The RSI at 38.86 is Neutral, neither overbought nor oversold. The STOCH value of 23.90 is Neutral, 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹308.28B | 13.27 | ― | 0.68% | 10.71% | 13.39% | |
78 Outperform | ₹202.47B | 17.38 | ― | ― | 18.04% | 19.18% | |
72 Outperform | ₹102.15B | 14.70 | ― | ― | 13.18% | 16.88% | |
69 Neutral | ₹22.20B | 4.70 | ― | 2.36% | 4.35% | 3.85% | |
58 Neutral | ₹104.11B | 9.19 | ― | 1.92% | 8.20% | 28.17% | |
58 Neutral | ₹295.41B | 5.40 | ― | 1.78% | 0.23% | 4.34% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:REPCOHOME
Repco Home Finance Ltd.
359.85
-14.75
-3.94%
IN:AADHARHFC
Aadhar Housing Finance Ltd
456.35
-50.30
-9.93%
IN:AAVAS
Aavas Financiers Ltd.
1,275.10
-358.05
-21.92%
IN:CANFINHOME
Can Fin Homes Ltd.
781.05
47.77
6.51%
IN:LICHSGFIN
LIC Housing Finance Ltd
562.55
6.43
1.16%
IN:PNBHOUSING
PNB Housing Finance Limited
1,175.00
351.73
42.72%
Repco Home Finance Ltd. Corporate Events
Repco Home Finance to Outline Outlook at Ashwamedh – Elara India Dialogue 2026
Aug 26, 2026
Repco Home Finance has announced that it will participate in the Ashwamedh – Elara India Dialogue 2026 in Mumbai on September 3, 2026, through an in-person group meeting with analysts and institutional investors. The company plans to use thi...
Repco Home Finance Publishes Q1 FY27 Unaudited Results in Newspapers
Aug 13, 2026
Repco Home Finance Ltd. has reported that its unaudited financial results for the quarter ended June 30, 2026 have been published in the Business Line (all-India edition) and Dinamani (Chennai edition) newspapers. The company has also made these q...
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.