REPCOHOME

Repco Home Finance Limited

Affordable housing finance company with 242 branches

Financial Services›Financial Services›Finance›Housing Finance Company

repcohome.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹340.75
Market cap
2,132 Cr
Stock P/E
4.4
P/B
0.53
Dividend yield
2.5%
ROE (FY26)
11.8%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Repco Home Finance is a Chennai-based housing finance company that gives home loans and home equity loans, with a focus on borrowers who run businesses or work in the unorganised sector and often cannot show formal income proof.

Company snapshot

11thBy market cap

Ranked among 14 companies in Housing Finance Company.

Segment mix

Reportable segments as of 2024-12-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 102.1% of revenue

SegmentRevenue shareRevenuePBTAssets
a. Housing related finance
102.1%
1,286 Cr321 Cr—
b. Others—0 Cr20 Cr—

Shares add up to 102% because segment revenues are before inter-segment eliminations.

What we see

Positives
  • ✓Net margin of 26.5% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
1 more signal from the filings.Sign in free to see them all

Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income170 Cr163 Cr163 Cr168 Cr166 Cr178 Cr171 Cr182 Cr189 Cr196 Cr197 Cr206 Cr
Other income4 Cr6 Cr5 Cr8 Cr9 Cr9 Cr9 Cr5 Cr0.61 Cr0.20 Cr0.65 Cr0.20 Cr
Net operating income173 Cr169 Cr167 Cr176 Cr174 Cr188 Cr180 Cr187 Cr190 Cr197 Cr198 Cr206 Cr
Employee cost25 Cr24 Cr29 Cr29 Cr28 Cr29 Cr34 Cr28 Cr34 Cr42 Cr44 Cr34 Cr
Other expenses13 Cr12 Cr14 Cr12 Cr14 Cr16 Cr18 Cr17 Cr18 Cr22 Cr16 Cr15 Cr
Provisions & contingencies————————————
Depreciation4 Cr5 Cr6 Cr4 Cr9 Cr9 Cr7 Cr8 Cr8 Cr10 Cr10 Cr10 Cr
Profit before tax137 Cr139 Cr144 Cr144 Cr155 Cr151 Cr160 Cr154 Cr145 Cr156 Cr154 Cr155 Cr
Tax %24.9%25.0%21.2%21.7%25.9%24.9%24.5%25.0%24.5%25.8%12.4%21.6%
Net profit103 Cr104 Cr114 Cr113 Cr115 Cr113 Cr121 Cr115 Cr110 Cr115 Cr135 Cr122 Cr
EPS (₹)₹16.49₹16.63₹18.18₹17.99₹18.40₹18.09₹19.29₹18.40₹17.53₹18.45₹21.61₹19.44

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income————545 Cr568 Cr556 Cr650 Cr682 Cr766 CrSign in free for the trailing twelve months
Other income2 Cr2 Cr6 Cr6 Cr19 Cr16 Cr15 Cr16 Cr36 Cr2 CrSign in free for the trailing twelve months
Net operating income2 Cr2 Cr6 Cr6 Cr563 Cr585 Cr571 Cr667 Cr718 Cr768 CrSign in free for the trailing twelve months
Employee cost43 Cr49 Cr59 Cr66 Cr71 Cr79 Cr88 Cr102 Cr120 Cr149 CrSign in free for the trailing twelve months
Other expenses21 Cr93 Cr52 Cr87 Cr30 Cr33 Cr43 Cr51 Cr60 Cr74 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation4 Cr3 Cr5 Cr13 Cr13 Cr13 Cr15 Cr18 Cr29 Cr36 CrSign in free for the trailing twelve months
Profit before tax286 Cr324 Cr374 Cr378 Cr402 Cr262 Cr421 Cr546 Cr610 Cr609 CrSign in free for the trailing twelve months
Tax %34.3%33.4%33.4%21.1%25.4%25.9%24.9%23.8%24.3%21.9%Sign in free for the trailing twelve months
Net profit188 Cr215 Cr249 Cr298 Cr300 Cr194 Cr316 Cr416 Cr461 Cr475 CrSign in free for the trailing twelve months
EPS (₹)₹30.00₹34.42₹39.81₹47.66₹47.99₹31.03₹50.56₹66.55₹73.76₹75.99Sign in free for the trailing twelve months
Dividend payout %————5.2%8.1%4.9%4.1%4.1%11.2%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital63 Cr63 Cr63 Cr63 Cr63 Cr63 Cr63 Cr63 Cr63 Cr63 Cr
Reserves1,087 Cr1,285 Cr1,495 Cr1,767 Cr2,050 Cr2,227 Cr2,527 Cr2,923 Cr3,364 Cr3,978 Cr
Borrowings6,453 Cr6,616 Cr—10,109 Cr10,197 Cr9,692 Cr9,924 Cr10,701 Cr11,139 Cr12,206 Cr
Other liabilities1,452 Cr2,030 Cr9,430 Cr98 Cr109 Cr70 Cr83 Cr110 Cr150 Cr198 Cr
Total liabilities9,055 Cr9,994 Cr10,987 Cr12,037 Cr12,420 Cr12,052 Cr12,596 Cr13,797 Cr14,716 Cr16,444 Cr
Fixed assets (net)7 Cr12 Cr14 Cr14 Cr12 Cr15 Cr16 Cr21 Cr25 Cr27 Cr
CWIP—————0.35 Cr4 Cr4 Cr3 Cr5 Cr
Investments28 Cr35 Cr—65 Cr76 Cr86 Cr105 Cr123 Cr325 Cr272 Cr
Loans & advances———11,588 Cr11,836 Cr11,292 Cr11,962 Cr13,037 Cr14,109 Cr15,600 Cr
Cash & bank22 Cr26 Cr58 Cr324 Cr455 Cr608 Cr351 Cr408 Cr136 Cr287 Cr
Other assets8,998 Cr9,921 Cr10,916 Cr46 Cr41 Cr51 Cr159 Cr203 Cr118 Cr252 Cr
Total assets9,055 Cr9,994 Cr10,987 Cr12,037 Cr12,420 Cr12,052 Cr12,596 Cr13,797 Cr14,716 Cr16,444 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-1,001 Cr-557 Cr-1,015 Cr-461 Cr851 Cr1,379 Cr336 Cr157 Cr-610 Cr-896 Cr
Cash from investing-6 Cr0.40 Cr-11 Cr-4 Cr12 Cr-8 Cr160 Cr-109 Cr-10 Cr59 Cr
Cash from financing1,009 Cr562 Cr1,058 Cr733 Cr-732 Cr-1,219 Cr-494 Cr-94 Cr408 Cr988 Cr
Net cash flow2 Cr5 Cr32 Cr267 Cr131 Cr153 Cr2 Cr-46 Cr-212 Cr151 Cr
Free cash flow (OCF − Capex)-1,004 Cr-565 Cr-1,022 Cr-469 Cr849 Cr1,369 Cr328 Cr133 Cr-633 Cr-923 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16.3%16.0%16.0%16.3%14.2%8.5%12.2%13.9%13.5%11.8%
Debt / equity5.614.91—5.524.834.233.833.583.253.02