REPCOHOME · Repco Home Finance Ltd · Consumer Financial Services
REPCOHOME · Repco Home Finance Ltd · Consumer Financial Services
As of 05 Nov close
52-week range
28.4% below 52-week high
52-week range: as of 05 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 52 days old
Revenue (latest Q)
₹468 Cr
Revenue YoY
PAT YoY
+5.6%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
0.5
P/S (TTM)
1.2
Sector P/E
24.3
Dividend yield
+1.4%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| REPCOHOME (this stock) | 5.4 | 0.5 | +26.5% | +11.9% | 3.02 | +1.4% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 95.5 | 1.2 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
falling 1q
MF
25.22% (+1.78pp)
rising 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedKey takeaway: Repco Home Finance Limited held its Q1 FY2027 earnings call on August 12, 2026, where management provided an overview of the company's performance. Management reported sanctions of Rs.938 Crores and disbursements of Rs.843 Crores for the quarter, showing year-on-year growth. The asset under management (AUM) reached Rs.15,990 Crores, reflecting an 8.9% increase. The gross non-performing assets (GNPA) stood at Rs.427 Crores, with a GNPA ratio of 2.7%. Management emphasized a focus on maintaining asset quality and reported a net profit of Rs.114 Crores. The cost of funds was noted at 8.3%, and management discussed plans to open 12 to 13 new branches. They reiterated a disbursement goal of Rs.5,000 Crores for the year and aimed to reduce NPA by Rs.40 Crores. The call concluded with management expressing confidence in achieving their set goals.
Management provided a balanced overview of performance and future plans without strong emphasis on growth or challenges.
Sourced from an exchange-filed transcript, dated 17 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Repco Home Finance Limited (RHFL) provided an investor presentation detailing its financial performance for the quarter ended June 30, 2026. Management reported loan sanctions of Rs. 938 crores, a decrease from Rs. 1,320 crores in the previous quarter but an increase from Rs. 907 crores year-on-year. Loan disbursements were Rs. 843 crores, down from Rs. 1,186 crores in Q4 FY26 but slightly up from Rs. 829 crores in Q1 FY26. Total income rose to Rs. 468 crores compared to Rs. 454 crores in Q4 FY26 and Rs. 441 crores in Q1 FY26. The Gross Non-Performing Assets (GNPA) ratio was reported at 2.7%, a slight increase from 2.6% in the previous quarter but an improvement from 3.3% year-on-year. Net profits for the quarter were Rs. 114 crores, down from Rs. 129 crores in Q4 FY26 but up from Rs. 108 crores in Q1 FY26. The overall loan book stood at Rs. 15,990 crores, reflecting growth from Rs. 14,690 crores a year prior.
The presentation provided a balanced overview of financial metrics without strong emphasis on growth or challenges.
Sourced from an exchange-filed presentation, dated 11 Aug 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: During the earnings call held on May 22, 2026, management reported a substantial improvement in disbursements, achieving a record Rs. 1,186 Crores in Q4 FY2026 and Rs. 4,148 Crores for the full year, marking a 26% increase year-on-year. Tamil Nadu contributed 60% of total disbursements, with growth also noted in Karnataka, Maharashtra, Telangana, and Madhya Pradesh. The total loan book grew to Rs. 15,880 Crores, a 9.6% increase from the previous year. Management highlighted a reduction in NPAs to Rs. 405 Crores, resulting in a GNPA ratio of 2.55%. Profit for Q4 was reported at Rs. 129.11 Crores, with an overall annual profit of Rs. 453 Crores. The company declared a total dividend of 75%, the highest in its history. Management expressed plans to maintain aggressive disbursement strategies while managing prepayments and maintaining asset quality.
Management emphasized strong disbursement growth and improved asset quality.
Sourced from an exchange-filed transcript, dated 26 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Repco Home Finance Limited (RHFL) provided an investor presentation detailing its financial results for the fiscal year ending March 31, 2026. Management reported loan sanctions of Rs. 1,320 crores in Q4 FY26, an increase from Rs. 1,059 crores in Q4 FY25. Loan disbursements also rose to Rs. 1,186 crores from Rs. 975 crores year-over-year. Total income for Q4 FY26 was Rs. 454 crores, compared to Rs. 425 crores in the same quarter of the previous year. The Gross Non-Performing Assets (GNPA) ratio improved to 2.55% from 3.26% in Q4 FY25, indicating enhanced asset quality. Net profits for Q4 FY26 were reported at Rs. 129 crores, up from Rs. 125 crores in Q4 FY25. The overall loan book reached Rs. 15,880 crores, reflecting a year-over-year increase from Rs. 14,492 crores. The presentation also highlighted the company's geographic presence and credit ratings.
Management highlighted improvements in financial performance and asset quality.
Sourced from an exchange-filed presentation, dated 21 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Management reported on the Q3 FY2026 earnings call that Repco Home Finance achieved disbursements of approximately Rs. 1,069 Crores, marking a 40% year-on-year growth compared to December 2024. The company's AUM reached Rs. 15,394 Crores, reflecting an 8.8% increase from the previous year. Management noted a reduction in gross NPA from Rs. 545 Crores to Rs. 449.53 Crores year-on-year, with a recovery of Rs. 25 Crores during the quarter. The cost of funds decreased by 30 basis points to 8.45%, and management indicated a plan to maintain a spread of around 3.3%. An interim dividend of 20% was declared, contributing to a total of 45% for the financial year. Management expressed confidence in achieving their disbursement and AUM goals for the current financial year.
Management highlighted significant growth in disbursements and improvements in asset quality.
Sourced from an exchange-filed transcript, dated 10 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Repco Home Finance Limited (RHFL) provided an investor presentation detailing its financial performance for the third quarter and nine months ended December 31, 2025. Management reported that loan sanctions reached Rs. 1,087 crores in Q3 FY26, up from Rs. 806 crores in Q3 FY25, while loan disbursements were Rs. 1,064 crores, compared to Rs. 761 crores in the same quarter last year. Total income for Q3 FY26 was Rs. 457 crores, slightly higher than Rs. 445 crores in Q3 FY25. The gross non-performing assets (GNPA) ratio improved to 2.92% from 3.86% a year earlier. Net profits for the quarter were Rs. 109 crores, consistent with the previous year. The overall loan book increased to Rs. 15,394 crores, reflecting growth in both salaried and non-salaried segments. The presentation also highlighted the company's geographic presence and credit ratings.
Management highlighted improvements in financial metrics and asset quality.
Sourced from an exchange-filed presentation, dated 05 Feb 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedRepco Home Finance Limited's FY2025-26 annual report outlines the company's strategic focus on leveraging growth opportunities in the Indian housing finance sector. The report highlights the company's continued expansion in tier-2 and tier-3 cities, supported by favorable macroeconomic conditions, structural reforms, and government initiatives like 'Housing for All'. Management emphasized sustainable growth, improved collection mechanisms, and risk management practices. The report also details corporate governance practices, stakeholder engagement, and the company's commitment to social responsibility initiatives.
- Expansion into tier-2 and tier-3 cities to capitalize on growing housing demand
- Focus on sustainable growth and improved collection mechanisms to enhance operational efficiency
- Commitment to corporate governance and stakeholder engagement practices
- Emphasis on risk management and compliance with regulatory requirements
Key takeaway: Repco Home Finance Limited is strategically positioning itself to benefit from the expanding Indian housing finance market by focusing on tier-2 and tier-3 cities, while maintaining strong corporate governance and risk management practices.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Auditor Qualification (1 item); Regulatory Action (2 items); Default / Covenant Breach (2 items); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Auditor Qualification
1 occurrenceEarlier (1-3 years ago)
The auditors' report includes qualifications or emphasis of matter related to the financial statements.
Regulatory Action
2 occurrencesRecent (last 12 months)
The company requested the Stock Exchanges (NSE & BSE) to waive penalties imposed for non-compliance of SEBI regulation 17(1A) during 2021-22 and 2022-23, but the request was not considered favorably by the Designated Exchange.
Earlier (1-3 years ago)
The company was fined Rs.1,01,480/- each by NSE and BSE in 2022-23 for non-compliance of SEBI regulation 17(1A). Additionally, Rs.7,88,240/- each was fined by NSE and BSE in 2021-22 for the same regulation non-compliance.
Default / Covenant Breach
2 occurrencesRecent (last 12 months)
As of the year-end, the total amount overdue for more than ninety days in respect of loans and advances in the nature of loans is ₹508.92 crores.
Earlier (1-3 years ago)
The company has loans and advances where there are delays or defaults in repayment of principal and/or payment of interest as of the balance sheet date, disclosed in Note 32.23 of the financial statements.
Investigation or enforcement mention
1 occurrenceRecent (last 12 months)
The company reported frauds related to Anna Nagar and Adyar (Fraud S.No 3 and 4) to the Audit Committee. The period for the Audit Committee's response has not yet elapsed.
Routine disclosures
Contingent Liability
2 occurrencesRecent (last 12 months)
The company has contingent liabilities including claims not acknowledged as debts, income tax liabilities, and GST liabilities as of March 31, 2026.
Earlier (1-3 years ago)
The company has contingent liabilities and commitments with contractual expiry by maturity as of March 31, 2024, as detailed in Note 46.2.
Related-Party Transaction
2 occurrencesRecent (last 12 months)
The company has related party transactions including dividend received on investments from Repco Micro Finance Limited and Repco Bank Ltd., and borrowings availed and repaid from Repco Bank Ltd.
Earlier (1-3 years ago)
The company has a related party transaction (RPT) involving Repco Bank, where the promoter holds 37.13% equity shares. The transaction was approved by Independent Directors of the Audit Committee, ensuring promoters do not benefit at public shareholders' expense.
Management & Board Governance
1 occurrenceEarlier (1-3 years ago)
Mr. Anant Kishore Saran ceased to be a director of Repco Home Finance Limited with effect from 29th March, 2025. Mr. Swaminathan Kuppuswamy's term as Managing Director & CEO ended on 20th February, 2025. Mr. Ramamurthi Swaminathan, an Independent Director, resigned from the Board with effect from 30th July, 2024 due to personal reasons.
Promoter Share Pledge
1 occurrenceRecent (last 12 months)
3.41% of promoter holding pledged (quarter 2026-Q3 as of 2026-07-18).