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NIFTY 5024,980.40+0.35%
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GOLD 24K (10g)₹75,420+0.38%
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Repco Home Finance Limited

Repco Home Finance Limited

NSE: REPCOHOME
Mortgage FinanceFinancial ServicesSMALL CAPMCap ₹2.06k Cr
₹329.40₹-7.70 (-2.28%)

Market Closed • NSE

Market cap₹2.06k Cr
Enterprise value₹14.02k Cr
P/E TTM4.30
Forward P/E4.16
P/B0.51
EPS TTM₹76.59
Forward EPS₹79.20
D/E3.02
Dividend yield0.04%
52W high₹455.90
52W low₹325.65
Price chart(1Y)
1Y Return:-10.45% (₹38.45)
H: ₹439.9L: ₹325.65
1W+0.05%
1M-6.90%
3M-19.63%
6M-17.36%
1Y-16.29%
Today at a glance

Day range

₹328.10₹339.00

52 week range

₹325.65₹455.90
Volume72.0K0.93x 20D avg
Free float50.00%-7.30% volume

Repco Home Finance Limited closed at INR329.40 (-2.28%) on volume 0.93x its 20-day average, trading 27.75% below its 52-week high.

Technical analysis
RSI (14)35.1Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹10.47High
SMA 20₹346.13BEARISH
SMA 50₹357.85BEARISH
SMA 100₹376.89BEARISH
SMA 200₹385.33BEARISH
CPR bottom₹339.65
Pivot₹338.80
CPR top₹337.95
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +17.1% QoQ

2026-09-22

DIVIDEND Announced

Dividend - Rs 3 Per Share

2026-02-12

DIVIDEND Announced

Interim Dividend - Rs 2 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹12.21k Cr₹2.06k Cr592.30%≤ 33%FAIL
Non-halal income ratio–₹1.78k Cr0.00%≤ 5%PASS
Illiquid assets ratio₹16.16k Cr₹16.44k Cr98.25%≥ 20%PASS
Receivables ratio–₹16.44k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E4.3017.10
Forward P/E4.16—
P/B0.511.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield23.305.80
Growth & profitability
RevenuePAT
FY23PAT margin 54.10%
FY24PAT margin 27.30%
FY25PAT margin 27.90%
FY26PAT margin 26.80%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+44.90%
Revenue CAGR 5Y—
PAT CAGR 3Y+14.60%
PAT CAGR 5Y—
Operating margin71.40%
Net margin56.80%
Financial health & cash flow
Net debt₹11.92k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-1.61x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-89620.0 Lakh
Capital expenditure–
Free cash flow₹-92332.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation75/100
Profitability50/100
Financial health20/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 4.3x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 3.02x

Bull case

Market Leadership: Established operational scale in Mortgage Finance.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
22 Sept 2026Dividend₹3.00 / share—22 Sept 2026
12 Feb 2026Dividend₹2.00 / share—12 Feb 2026
25 Aug 2025Dividend₹2.50 / share—25 Aug 2025
15 Aug 2025Dividend₹4.00 / share—14 Aug 2025
—Dividend₹3.00 / share—26 Jul 2024
—Dividend₹2.70 / share—07 Sept 2023
—Dividend₹2.50 / share—11 Aug 2022
—Dividend₹2.50 / share—15 Sept 2021
—Dividend₹2.50 / share—22 Sept 2020
—Dividend₹2.50 / share—19 Sept 2019
—Dividend₹2.20 / share—17 Sept 2018
—Dividend₹2.00 / share—13 Sept 2017
—Dividend₹1.80 / share—14 Sept 2016
—Dividend₹1.50 / share—03 Sept 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)59.22%-0.63% latest vs average
Highest delivery71.27%on 10 Sept
Average volume (20D)80.9KTrading-session average
Conviction trendWeakening-0.63% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹10.90L15.461.88%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹9.73L17.520.89%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.85L10.281.85%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹5.97L29.480.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹4.99L8.302.64%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.39L21.620.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹3.92L14.160.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.78L27.540.08%₹42,036.90—+39.05%—
About Repco Home Finance Limited
Repco Home Finance Limited

Repco Home Finance Limited operates as a housing finance company in India. The company offers dream home, composite, fifty plus, NRI housing, plot, Repco privilege, green and easy home, advantage, and home 25 loans. It also offers repair, renovation, extension, and multipurpose loans, including home makeover and super loans. In addition, the company provides new horizon, prosperity, commercial real estate, and Repco nivaran plus loan. Repco Home Finance Limited was incorporated in 2000 and is headquartered in Chennai, India.

IndiaFinancial Services

Questions investors ask
Is Repco Home Finance Limited Shariah compliant?

Repco Home Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (592.3%) exceeds AAOIFI threshold (≤ 33%).

What is Repco Home Finance Limited's current valuation relative to peers?

Repco Home Finance Limited trades at a P/E of 4.3x compared to the sector median of 17.1x, and a Price-to-Book of 0.5x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 3.02x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-09. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.