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Repco Home Finance share price

Repco Home Finance Ltd.

NSE: REPCOHOME BSE: 535322 SECTOR: Finance - Housing  43k   197   21

498.05
-2.45 (-0.49%)
BSE: 17 May 04:01 PM

Price Summary

Today's High

₹ 504.35

Today's Low

₹ 495.25

52 Week High

₹ 542

52 Week Low

₹ 205.95

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

3115.87 Cr.

Advances

11932.43 Cr.

No. of Shares

6.26 Cr.

P/E

7.89

P/B

1.08

Face Value

₹ 10

Div. Yield

0.53 %

Book Value (TTM)

₹  462.58

Operating Revenue

1283.74 Cr.

Net Profit

296.08 Cr.

Promoter Holding

37.13 %

EPS (TTM)

₹  63.09

Sales Growth

-0.5

ROE

12.46 %

ROCE

9.04%

Profit Growth

54.57 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year-0.5%
3 Year-1.55%
5 Year3%

Profit Growth

1 Year54.57%
3 Year1.84%
5 Year8.05%

ROE%

1 Year12.46%
3 Year12.11%
5 Year13.96%

ROCE %

1 Year9.04%
3 Year8.94%
5 Year9.57%

ROA%

2.41492739639213

PEG Ratio

0.14

PAT Margin (%)

23.0638602832349

EPS Growth(%)

54.5707511120691

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 37.13 0
Dec 2023 37.13 0
Sep 2023 37.13 0
Jun 2023 37.13 0
Mar 2023 37.13 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 8.2172097898967%.
  • The company is trading at 0.446791433011283 times the book value

 Limitations

  • The company has delivered poor profit growth of -1.5530734682961% over past 3 years
  • The company has delivered poor Operating Income growth of -1.5530734682961% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 340.31 364.48 380.16 387.3 392.58
Other Income 3.42 2.02 3.75 5.9 4.61
Interest Expended 185.59 202.59 207.46 215.26 220.26
Operating Expenses 41.92 40.12 40.39 39.09 32.69
Total Provisions 0 0 0 0 0
Depreciation 3.83 4.04 3.84 4.77 5.57
Profit Before Tax 112.39 119.75 132.22 134.08 138.67
Tax 30.29 30.66 34.12 34.64 30.6
Net Profit 82.1 89.09 98.1 99.44 108.07
Adjusted EPS (RS) 13.12 14.24 15.68 15.9 17.27

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 1189.25 1345.46 1373.46 1290.19 1283.74
Other Income 5.92 5.64 18.77 16.38 15.42
Interest 719.95 824.97 807.24 689.93 701.07
Operating Expenses 96.14 103.69 105.81 114.89 137.19
Total Provisions 19.26 62.25 89.39 242.23 60.14
Exceptional Items 0 0 0 0 0
Profit Before Tax 359.82 360.19 389.79 259.52 400.76
Tax 125.18 79.84 102.19 67.97 104.68
Profit After Tax 234.64 280.35 287.6 191.55 296.08
Adjusted EPS (Rs.) 37.51 44.81 45.97 30.62 47.33

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 62.56 62.56 62.56 62.56 62.56
Total Reserves 1464.82 1724.31 1996.73 2173.04 2453.61
Borrowings 8550.02 9048.69 9129.57 8607.14 8833.56
Other N/C liabilities 52.4 36.23 40.06 19.06 34.78
Current liabilities 827.17 1122.81 1135.6 1135.59 1138.92
Total Liabilities 10956.97 11994.6 12364.52 11997.39 12523.43
Assets
Loans 10813.53 11561.12 11805.55 11260.27 11932.43
Net Block 15.52 37.23 31.36 35.23 39.61
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0.35 3.88
Investments 22 22 22 31.6 31.6
Other Loans 37.05 38.08 37.76 50.45 44.09
Other N/C Assets 0 0 0 0 0
Current Assets 68.87 336.17 467.85 619.49 471.82
Total Assets 10956.97 11994.6 12364.52 11997.39 12523.43
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 37.13 37.13 37.13 37.13 37.13
repatriates co operative ... 37.13 37.13 37.13 37.13 37.13
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 62.87 62.87 62.87 62.87 62.87
aditya birla sun life tru... 5.64 5.64 5.64 5.10 5.03
bandhan small cap fund - - - - 1.37
dolly khanna - - - - 1.11
evli emerging frontier fu... - - 1.76 2.03 2.40
fidelity asian values plc... 1.54 1.54 1.54 1.01 1.01
fidelity funds - asian sm... 3.45 3.45 3.45 2.31 2.08
hdfc trustee company limi... - - - - 8.70
sg jokaland holdings llc 1.84 1.84 1.84 1.84 1.84
tata banking & financial ... - 1.04 1.28 1.36 1.36
hdfc small cap fund 8.72 8.72 8.72 8.72 -
dsp small cap fund 2.12 1.44 - - -
gymkhana partners l.p. 1.19 - - - -
omnis portfolio investmen... 1.87 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Repco Home Finance - Quaterly Results14 May 2024, 7:11PM Repco Home Finance - Quaterly Results14 May 2024, 7:11PM Repco Home Finance - Quaterly Results12 Feb 2024, 8:18PM Repco Home Finance - Quaterly Results12 Feb 2024, 8:18PM Repco Home Finance reply to clarification on increase in volume of security2 Feb 2024, 4:56PM Repco Home Finance submits analyst meet28 Nov 2023, 4:32PM Repco Home Finance - Quaterly Results6 Nov 2023, 6:54PM Repco Home Finance - Quaterly Results6 Nov 2023, 6:54PM Repco Home Finance - Quaterly Results4 Aug 2023, 6:36PM Repco Home Finance - Quaterly Results4 Aug 2023, 6:36PM Repco Home Finance - Quaterly Results26 May 2023, 4:33PM Repco Home Finance - Quaterly Results26 May 2023, 4:33PM Repco Home Finance informs about compliance certificate10 Apr 2023, 5:17PM Repco Home Finance informs about transcript of analyst call 20 Feb 2023, 5:08PM Repco Home Finance - Quaterly Results13 Feb 2023, 7:15PM Repco Home Finance - Quaterly Results13 Feb 2023, 7:15PM Repco Home Finance reply to clarification sought by exchange18 Jan 2023, 4:21PM Repco Home Finance informs about trading window closure28 Dec 2022, 4:51PM Repco Home Finance informs about disclosure of related party transactions24 Nov 2022, 4:22PM Repco Home Finance - Quaterly Results11 Nov 2022, 6:49PM Repco Home Finance - Quaterly Results11 Nov 2022, 6:49PM Repco Home Finance submits newspaper publication8 Oct 2022, 3:27PM Repco Home Finance - Quaterly Results12 Aug 2022, 6:27PM Repco Home Finance - Quaterly Results12 Aug 2022, 6:27PM Repco Home Finance informs about newspaper publication 5 Aug 2022, 4:59PM Repco Home Finance informs about book closure30 Jul 2022, 12:09PM Repco Home Finance gets nod to raise upto Rs 4000 crore via NCDs15 Jul 2022, 3:36PM Repco Home Finance - Quaterly Results23 May 2022, 6:57PM Repco Home Finance - Quaterly Results23 May 2022, 6:57PM Repco Home Finance informs about change in name of registrar and share transfer agent21 Apr 2022, 4:46PM Repco Home Finance informs about closure of trading window30 Mar 2022, 12:17PM Repco Home Finance informs about newspaper advertisements19 Mar 2022, 4:25PM Repco Home Finance - Quaterly Results14 Feb 2022, 8:17PM Repco Home Finance - Quaterly Results14 Feb 2022, 8:17PM Repco Home Finance submits disclosure of related party transactions7 Dec 2021, 4:58PM Repco Home Finance - Quaterly Results13 Nov 2021, 3:33PM Repco Home Finance informs about board meeting18 Jun 2021, 2:42PM Repco Home Finance informs about appointment of interim compliance officer12 Apr 2021, 1:26PM Repco Home Finance informs about disclosure12 Jan 2021, 10:23AM Repco Home finance informs about newspaper clippings27 Jul 2020, 1:07PM

Repco Home Finance Stock Price Analysis and Quick Research Report. Is Repco Home Finance an attractive stock to invest in?

 

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Repco Home Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 296.08 Cr and the compounded growth of profit in the past 3 years is 1.8363343289403 %. The PAT margin of Repco Home Finance is 23.0638602832349 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Repco Home Finance , the EPS grew by 54.5707511120691 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Repco Home Finance has a average ROE track record. The ROE of Repco Home Finance is at 12.4618826247903 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Repco Home Finance is worth at the current levels at Rs 500.3. Repco Home Finance is trading at a current P/E ratio of 3.79695482954906 and the average historical P/E for the last 5 years was 6.38376883611747.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Repco Home Finance is trading at a P/B of 1.1029 . The average historical P/B for the last 5 years was 0.856351193621741. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Repco Home Finance is Rs 500.3. One can use valuation calculators of ticker to know if Repco Home Finance share price is undervalued or overvalued.

Last Updated on:
Brief about Repco Home Finance

Repco Home Finance Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Repco Home Finance Ltd. was founded in 2000 and is engaged in providing affordable home loans across India. The company is headquartered in Chennai and has a network of more than 100 branches across the country. Repco Home Finance Ltd. is a subsidiary of Repco Bank Ltd., which is a Government of India undertaking.

Repco Home Finance Ltd. - Share Price

The share price of Repco Home Finance Ltd. is an important factor to consider when investing in the company. Our website provides daily updates on the share price of the company, along with historical data and relevant news. We also provide a pre-built screening tool for investors to filter and compare different stocks based on their share price and other financial parameters.

Repco Home Finance Ltd. - Balance Sheet

The balance sheet of Repco Home Finance Ltd. provides critical information about the company's financial health. Our website provides a comprehensive analysis of the balance sheet, along with a downloadable annual report that contains detailed financial statements. We also offer premium features that allow investors to calculate fair value using tools such as DCF Analysis, BVPS Analysis, Earnings Multiple Approach, and DuPont Analysis.

Repco Home Finance Ltd.- Annual Report

The annual report of Repco Home Finance Ltd. provides detailed information on the company's strategy, performance, and financial position. Our website offers a downloadable annual report that contains comprehensive information about Repco Home Finance Ltd.'s financial statements, auditor's report, and management's discussion & analysis.

Repco Home Finance Ltd. - Dividend

The dividend history of a company is an important factor to consider when investing in its shares. Our website provides a comprehensive analysis of Repco Home Finance Ltd.'s dividend history, along with the latest dividend announcements and payouts. Investors can also use our pre-built screening tool to compare and filter stocks based on their dividend yield and other financial parameters.

Repco Home Finance Ltd. - Quarterly Result

The quarterly results of Repco Home Finance Ltd. are a key indicator of the company's performance. Our website provides a comprehensive analysis of the quarterly results, along with a downloadable quarterly report that contains detailed financial statements. Investors can also use our premium features to calculate fair value and make informed investment decisions.

Repco Home Finance Ltd.- Stock Price

The stock price of Repco Home Finance Ltd. is influenced by various economic and market factors. Our website provides daily updates on the stock price of the company, along with a historical price chart that helps investors visualize the price trend over time. We also offer a pre-built screening tool that enables investors to filter and compare stocks based on their stock price and other financial parameters.

Repco Home Finance Ltd. - Price Chart

The price chart of Repco Home Finance Ltd. provides a visual representation of the stock price trend over time. Our website provides a downloadable price chart that enables investors to analyze the price trend of the stock and identify potential buying or selling opportunities.

Repco Home Finance Ltd. - News

The news section of our website provides the latest updates on Repco Home Finance Ltd., including news articles, analyst opinions, and market insights. Investors can stay informed about the company's performance and market trends by regularly checking the news section of our website.

Repco Home Finance Ltd. - Concall Transcripts

The concall transcripts of Repco Home Finance Ltd. provide a detailed summary of the company's performance in the latest quarter. Our website offers downloadable concall transcripts that contain valuable insights into the company's operations, financials, and growth prospects. Investors can use this information to make informed investment decisions.

Repco Home Finance Ltd. - Investor Presentations

The investor presentations of Repco Home Finance Ltd. provide a comprehensive overview of the company's business strategy, financial performance, and growth prospects. Our website offers downloadable investor presentations that contain detailed information about Repco Home Finance Ltd.'s operations, financials, and management. Investors can use this information to gain a deeper understanding of the company and its investment potential.

Repco Home Finance Ltd.- Promoters

The promoters of Repco Home Finance Ltd. are individuals or entities that hold a significant stake in the company and play a key role in its management and decision-making processes. Our website provides a detailed analysis of the company's promoter profile, along with information about their shareholding and involvement in the company's affairs.

Repco Home Finance Ltd. - Shareholders

The shareholders of Repco Home Finance Ltd. are individuals or entities that own shares in the company. Our website provides a comprehensive analysis of the company's shareholder profile, along with information about their shareholding and voting rights. Investors can use this information to gain insight into the ownership structure of the company and the interests of its shareholders.

In conclusion, our website provides a comprehensive analysis of Repco Home Finance Ltd., including its company profile, share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall transcripts, investor presentations, promoters, and shareholders. With our pre-built screening tools and premium features, investors can make informed investment decisions and achieve their long-term financial goals.

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