REPCOHOME
Repco Home Finance Limited (REPCOHOME) Stock Analysis
Repco Home Finance Limited provides housing loans in south India focusing on affordable and middle-income borrowers. It is promoted by Repco Bank with regional expertise. The company finances home purchase and construction. It is listed on Indian stock exchanges.
Financial Services › Mortgage Finance
₹386.80
+16.07% 1W | -19.40% 52W
Market Cap
2.4k CR
P/E Ratio
4.9
52W High
₹444
52W Low
₹294.1
Div. Yield
3.68%
Beta
0.5
50 DMA
₹338.2
200 DMA
₹375
Profit Margin
56.8%
Inst. Own.
34.4%
📊 ANALYZING TREND
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 364 | 380 | 387 | 393 | 408 | 423 | 445 | 426 | 440 | 441 | 457 | 454 | 468 |
| Interest | 203 | 207 | 215 | 220 | 233 | 240 | 248 | 246 | 244 | 244 | 249 | 247 | 251 |
| Expenses | 40 | 40 | 39 | 33 | 43 | 26 | 45 | 28 | 43 | 51 | 49 | 49 | 58 |
| Financing Profit | 122 | 132 | 133 | 140 | 132 | 157 | 152 | 152 | 154 | 146 | 159 | 158 | 158 |
| Financing Margin % | 33% | 35% | 34% | 36% | 32% | 37% | 34% | 36% | 35% | 33% | 35% | 35% | 34% |
| Other Income | 2 | 1 | 6 | 5 | 8 | 1 | 0 | 9 | 0 | 1 | 0 | 1 | 0 |
| Depreciation | 4 | 4 | 5 | 6 | 4 | 9 | 8 | 7 | 8 | 8 | 10 | 10 | 10 |
| Profit before tax | 120 | 129 | 134 | 139 | 137 | 149 | 144 | 154 | 146 | 139 | 149 | 148 | 148 |
| Tax % | 26% | 26% | 26% | 22% | 23% | 27% | 26% | 25% | 26% | 26% | 27% | 13% | 23% |
| Net Profit | 95 | 100 | 104 | 114 | 113 | 115 | 113 | 121 | 115 | 110 | 115 | 135 | 122 |
| EPS in Rs | 15.26 | 15.98 | 16.63 | 18.18 | 17.99 | 18.40 | 18.09 | 19.29 | 18.40 | 17.53 | 18.45 | 21.61 | 19.44 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 693 | 882 | 1,046 | 1,109 | 1,191 | 1,348 | 1,376 | 1,292 | 1,285 | 1,535 | 1,708 | 1,792 | 1,819 |
| Interest | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 846 | 966 | 984 | 991 |
| Expenses | 72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 152 | 143 | 191 | 207 |
| Financing Profit | 189 | 234 | 284 | 309 | 361 | 370 | 386 | 258 | 402 | 537 | 600 | 616 | 621 |
| Financing Margin % | 27% | 27% | 27% | 28% | 30% | 27% | 28% | 20% | 31% | 35% | 35% | 34% | 34% |
| Other Income | 0 | 0 | 0 | 1 | 4 | 3 | 17 | 15 | 14 | 2 | 3 | 2 | 2 |
| Depreciation | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 18 | 29 | 36 | 39 |
| Profit before tax | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 522 | 574 | 582 | 584 |
| Tax % | 34% | 35% | 35% | 35% | 35% | 22% | 26% | 26% | 26% | 25% | 22% | 23% | |
| Net Profit | 125 | 154 | 188 | 201 | 249 | 298 | 300 | 194 | 316 | 413 | 471 | 475 | 482 |
| EPS in Rs | 20.10 | 24.63 | 30.00 | 32.13 | 39.81 | 47.66 | 47.99 | 31.03 | 50.56 | 66.04 | 75.33 | 75.99 | 77.03 |
| Dividend Payout % | 7% | 7% | 7% | 7% | 6% | 5% | 5% | 8% | 5% | 5% | 5% | 4% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 12.0% | 5.0% | 7.0% |
| Profit CAGR | 15.0% | 10.0% | 12.0% |
Shareholding Pattern
Promoters37.13%
FIIs11.91%
DIIs22.70%
Public28.24%
Promoters37.13%
FIIs12.68%
DIIs23.74%
Public26.44%
Promoters37.13%
FIIs13.37%
DIIs24.27%
Public25.21%
Promoters37.13%
FIIs12.36%
DIIs26.08%
Public24.42%
Promoters37.13%
FIIs11.09%
DIIs26.34%
Public25.42%
Promoters37.13%
FIIs14.55%
DIIs18.03%
Public30.28%
Promoters37.13%
FIIs13.95%
DIIs19.57%
Public29.34%
Promoters37.13%
FIIs11.25%
DIIs21.09%
Public30.53%
Promoters37.13%
FIIs13.37%
DIIs24.27%
Public25.21%
Promoters37.13%
FIIs11.09%
DIIs26.34%
Public25.42%
REPCOHOME
Holdings Analysis
Key strengths & risk signals
80
Overall
79
Fundamental
81
Technical
Risks (2)
VERY HIGH DEBT! D/E of 3.18 - significant risk.
WEAK YEAR! Stock declined 19.4% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 56.8% profit margin - company keeps strong profits.
BREAKOUT! Stock has broken above resistance levels with momentum.
BULLISH SENTIMENT! In last 30 days: 9 up days, 21 down days. Avg volume on up days: 890,572 vs down days: 70,059. Ratio: 12.71x
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Fundamental & Technical Analysis
80Overall
79Fundamental
81Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 44.9% (EXCELLENT, 15/15). Profit CAGR: 14.6% (GOOD, 11/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 56.8% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.34 indicates stock is cheap relative to growth.
Dividend Yield
7/10
GOOD DIVIDEND! 3.68% yield - decent income potential.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.18 - significant risk.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 29.91% public ownership - balanced ownership structure.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (338.2) is below 200-day average (375.0) - negative signal.
Price Position
8/10
STRONG POSITION! Current price (386.8) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 19.4% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 9 up days, 21 down days. Avg volume on up days: 890,572 vs down days: 70,059. Ratio: 12.71x
RSI
3/5
BULLISH! RSI at 69.7 - positive momentum.
52W Range
4/5
UPPER HALF! Trading at 61.8% of 52W range - positive territory.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 16.1% (1 week), 17.4% (1 month), 2.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
REPCOHOME
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-26 | Concall PDF | |
| Q3FY262026-02-10 | Concall PDF | |
| Q2FY262025-11-18 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| REPCOHOME | ₹386.80 | 4.9 | 56.8% | 44.9% | 14.6% | -19.4% | 80 | BREAKOUT | +8.6% | -2.1% | +8.0% | +2.7% |
| GRANDOAK | ₹31.40 | – | -8.1% | – | – | -24.0% | 31 | APPROACHING RESISTANCE | +6.1% | -204.0% | +244,700.0% | +244,700.0% |
| GICHSGFIN | ₹129.30 | 4.4 | 43.6% | -1.0% | -10.1% | -24.5% | 47 | APPROACHING SUPPORT | +36.5% | -81.2% | +0.7% | -2.0% |
| SRGHFL | ₹103.80 | 4.8 | 27.7% | 31.0% | 24.0% | -63.7% | 68 | CONSOLIDATING DOWN | +25.0% | -7.6% | +33.1% | -5.6% |
| RHFL | ₹1.40 | 3.1 | – | -89.6% | – | -58.4% | 34 | BREAKDOWN | – | – | – | – |
| TFL | ₹11.40 | – | -14.5% | 10.2% | – | -9.9% | 46 | BREAKDOWN | -88.9% | -92.9% | -35.9% | -37.5% |
| INDIASHLTR | ₹631.10 | 12.7 | 48.0% | 37.8% | 48.0% | -26.0% | 63 | CONSOLIDATION | +19.5% | +1.8% | +23.3% | +3.8% |
| APTUS | ₹176.00 | 8.6 | 61.7% | 23.0% | 23.3% | -37.3% | 64 | BREAKDOWN | – | +2.5% | – | +5.0% |
Data from TradeAlone · Updated daily
REPCOHOME News
