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Repco Home Finance Ltd.
(REPCOHOME)
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Rating:60Neutral
Price Target:
₹327.00
▼(-15.98% Downside)
Action:Reiterated
Date:09/26/26
The score is driven by solid profitability but meaningfully offset by weak cash-flow consistency and a leveraged mortgage-lender balance-sheet profile. Technicals are also a headwind with the stock trading below major moving averages and negative MACD. Valuation is the key positive, supported by a very low P/E and a modest dividend yield.
Positive Factors
Sustained Profitability
Consistently strong net margins and steadily rising net income indicate that the lending platform is converting revenue into earnings effectively. This supports internal capital formation, strengthens resilience over the next several quarters, and provides a durable base for continued operations.
Negative Factors
Volatile Cash Generation
Repeated operating-cash-flow swings and sizable outflows weaken the quality and predictability of reported earnings. Persistent cash volatility can increase reliance on external funding, constrain capital allocation, and make it harder to absorb credit or funding pressures over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
Consistently strong net margins and steadily rising net income indicate that the lending platform is converting revenue into earnings effectively. This supports internal capital formation, strengthens resilience over the next several quarters, and provides a durable base for continued operations.
Read all positive factors
Repco Home Finance Ltd. (REPCOHOME) vs. iShares MSCI India ETF (INDA)
Market Cap
₹19.51B
Dividend Yield1.6%
Average Volume (3M)3.85K
Price to Earnings (P/E)4.1
Beta (1Y)1.36
Revenue Growth4.35%
EPS Growth3.85%
CountryIN
Employees1,384
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)76.59
Shares Outstanding62,561,360
10 Day Avg. Volume3,235
30 Day Avg. Volume3,847
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)73.22
Revenue Forecast (FY)₹8.88B
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 (NII) earned on its lending business. The company raises funds (liabilities) through sources such as bank borrowings, refinancing/lines from financial institutions, and market in...
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
341.65
Negative
366.02
Negative
376.02
Negative
Market Momentum
-10.37
Positive
36.52
Neutral
32.99
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 323.86, above the 50-day MA of 341.65, and above the 200-day MA of 376.02, indicating a bearish trend. The MACD of -10.37 indicates Positive momentum. The RSI at 36.52 is Neutral, neither overbought nor oversold. The STOCH value of 32.99 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 | ₹276.24B | 11.75 | ― | 0.76% | 10.90% | 9.13% | |
64 Neutral | ₹84.28B | 11.95 | ― | ― | 12.03% | 16.64% | |
63 Neutral | ₹95.86B | 8.31 | ― | 2.08% | 7.90% | 25.13% | |
61 Neutral | ₹185.00B | 15.99 | ― | ― | 18.04% | 19.18% | |
60 Neutral | ₹19.51B | 4.07 | ― | 1.60% | 4.35% | 3.85% | |
58 Neutral | ₹272.14B | 4.73 | ― | 2.02% | 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.
311.90
-102.28
-24.69%
IN:AADHARHFC
Aadhar Housing Finance Ltd
422.00
-87.80
-17.22%
IN:AAVAS
Aavas Financiers Ltd.
1,062.80
-587.10
-35.58%
IN:CANFINHOME
Can Fin Homes Ltd.
719.90
-133.11
-15.61%
IN:LICHSGFIN
LIC Housing Finance Ltd
494.75
-65.34
-11.67%
IN:PNBHOUSING
PNB Housing Finance Limited
1,059.20
137.94
14.97%
Repco Home Finance Ltd. Corporate Events
Repco Home Finance Receives Strong ESG Rating from Crisil
Oct 21, 2026
Repco Home Finance Ltd. has received an ESG rating score of “Crisil ESG 64,” which is categorized as strong by Crisil ESG Ratings Analytics. The assessment was conducted independently by the rating agency using publicly available info...
Repco Home Finance Reaffirms Compliance Roles for Listed Debt Securities
Oct 7, 2026
Repco Home Finance Limited has notified the stock exchanges of its compliance-related details for listed debt securities, as required under the SEBI Listing Obligations and Disclosure Requirements Regulations, 2015. For the quarter ended 30 Septem...
Repco Home Finance files SEBI dematerialisation compliance certificate
Oct 7, 2026
Repco Home Finance Ltd. has submitted to the National Stock Exchange and BSE a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30 September 2026. The certificate, is...
Repco Home Finance Opens Special Window for Physical Share Transfer Requests
Oct 7, 2026
Repco Home Finance Limited has announced that it has published newspaper notices and social media communication regarding a special window for re-lodgement of transfer requests for physical shares of the company. These notices appeared in the Fina...
Repco Home Finance Redeems Rs 75 Crore in Commercial Paper on Maturity
Sep 21, 2026
Repco Home Finance Ltd., a housing finance lender focused on retail mortgage loans in India, reported the full redemption of one of its short-term funding instruments. The company’s operations center on providing home finance solutions to in...
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.