Repco Home Finance Ltd. (REPCOHOME) AI Stock Analysis

• Market Cap: ₹24.37B
• Dividend Yield: 0.64%
• Average Volume (3M): 49.76K
• Price to Earnings (P/E): 5.3
• Beta (1Y): 1.67
• Revenue Growth: 9.72%
• EPS Growth: 7.08%
• Country: IN
• Employees: 823
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 17.30
• Shares Outstanding: 62,561,360
• 10 Day Avg. Volume: 51,035
• 30 Day Avg. Volume: 49,756
• PEG Ratio: 0.39
• Price to Book (P/B): 0.62
• Price to Sales (P/S): 2.81
• P/FCF Ratio: -3.36
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹413.00
• Price Target Upside: 5.14% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 68 Neutral
• Price Target: ₹413.00 ▲(5.14% Upside)

Repco Home Finance Ltd. has a strong valuation with a low P/E ratio, suggesting potential undervaluation. Financial performance is solid with high profitability, but high leverage and negative cash flows pose risks. Technical indicators are neutral, indicating no immediate trend direction. Overall, the stock presents a balanced risk-reward profile.

Repco Home Finance Ltd. Business Overview & Revenue Model

Company Description

Repco Home Finance Ltd. (REPCOHOME) is a leading housing finance company in India, primarily focused on providing home loans to individuals for residential properties. Established in 2000, the company caters to a diverse clientele, offering a range of financial products that include home loans, loans against property, and construction loans. With a strong presence in both urban and rural markets, REPCOHOME is committed to promoting home ownership and strengthening the housing finance sector in India.

How the Company Makes Money

Repco Home Finance Ltd. generates revenue primarily through the interest earned on home loans and other related financial products offered to customers. The company lends funds to individuals at competitive interest rates, which are higher than the rates at which it borrows from financial institutions or raises capital. This spread between lending and borrowing rates constitutes a significant portion of its earnings. Additionally, REPCOHOME earns fees from processing loan applications and other ancillary services related to home financing. The company may also engage in partnerships with real estate developers and builders, which can provide a steady stream of customers seeking financing options, thereby enhancing its revenue potential. Moreover, the company's ability to manage its non-performing assets (NPAs) effectively contributes to sustained profitability.

Repco Home Finance Ltd. Financial Statement Overview

Summary

Repco Home Finance Ltd. demonstrates strong revenue growth and profitability, supported by high margins. However, the company's high leverage and negative cash flows present potential risks. Improving cash flow management and reducing debt levels could enhance financial stability and long-term growth prospects.

Income Statement

Repco Home Finance Ltd. has shown consistent revenue growth over the years, with a notable increase of 5.16% in the latest year. The company maintains a strong gross profit margin of 100%, indicating effective cost management. The net profit margin is also robust at 60.97%, reflecting high profitability. However, the EBIT and EBITDA margins are unusually high due to the nature of financial reporting in the mortgage industry, which may not accurately reflect operational efficiency.

Balance Sheet

The company has a high debt-to-equity ratio of 3.25, indicating significant leverage, which could pose a risk if not managed properly. However, the return on equity is healthy at 13.47%, showing effective use of equity to generate profits. The equity ratio stands at 23.28%, suggesting a moderate level of equity financing relative to total assets.

Cash Flow

Repco Home Finance Ltd. faces challenges with negative operating and free cash flows, which could impact liquidity. The free cash flow to net income ratio is slightly above 1, indicating that cash flow generation is not keeping pace with net income. The company needs to improve cash flow management to ensure sustainable operations.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	12.65B	7.57B	6.87B	12.99B	6.02B	13.92B
Gross Profit	7.66B	7.57B	6.82B	12.84B	6.02B	13.79B
EBITDA	4.42B	15.82B	13.95B	0.00	0.00	0.00
Net Income	4.64B	4.61B	4.16B	3.16B	1.94B	3.00B
Balance Sheet
Total Assets	0.00	147.16B	137.97B	125.96B	120.52B	124.20B
Cash, Cash Equivalents and Short-Term Investments	0.00	1.36B	5.14B	4.54B	4.53B	4.55B
Total Debt	0.00	111.39B	107.01B	99.24B	97.09B	102.17B
Total Liabilities	-34.27B	112.89B	108.11B	100.07B	97.62B	103.07B
Stockholders Equity	34.27B	34.27B	29.85B	25.89B	22.90B	21.13B
Cash Flow
Free Cash Flow	0.00	-6.33B	-7.08B	-3.71B	6.80B	8.47B
Operating Cash Flow	0.00	4.16B	-6.85B	-3.63B	6.91B	8.49B
Investing Cash Flow	0.00	-10.36B	-1.09B	1.60B	-1.63B	118.60M
Financing Cash Flow	0.00	4.08B	7.47B	2.05B	-5.31B	-7.30B

Repco Home Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 392.80
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:REPCOHOME, the sentiment is Positive. The current price of 392.8 is above the 20-day moving average (MA) of 371.08, above the 50-day MA of 371.39, and above the 200-day MA of 381.10, indicating a bullish trend. The MACD of 1.65 indicates Negative momentum. The RSI at 60.25 is Neutral, neither overbought nor oversold. The STOCH value of 77.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:REPCOHOME.

Repco Home Finance Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	74 Outperform	₹105.62B	11.98	―	1.51%	9.28%	14.93%
MUTHOOTFIN	73 Outperform	₹1.31T	21.28	―	0.82%	38.22%	37.80%
REPCOHOME	68 Neutral	₹24.37B	5.25	―	0.64%	9.72%	7.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAJAJHFL	62 Neutral	₹920.72B	39.87	―	―	―	―
FIVESTAR	56 Neutral	₹153.67B	14.08	―	0.38%	25.49%	19.81%