Check Before You Invest : Repco Home Finance Ltd

Q: Which industry/sub-sector does Repco Home Finance Ltd belong to?

Repco Home Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q: Is Repco Home Finance Ltd a good quality company?

Repco Home Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Repco Home Finance Ltd undervalued or overvalued?

Repco Home Finance Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 5.62, Historic Median: 6.56. Price to Book, Current: 0.69, Historic Median: 0.78. Price to Sales, Current: 1.41, Historic Median: 1.48. EV to EBITDA, Current: 8.48, Historic Median: 9.78

Q: Is Repco Home Finance Ltd a good buy now?

Repco Home Finance Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Repco Home Finance Ltd?

Repco Home Finance Ltd Operating Income growth is 10.54% for FY-2025, which is above its 5-year CAGR of 4.61%, indicating faster growth.

Q: Return on Assets of Repco Home Finance Ltd?

Repco Home Finance Ltd Return on Asset is 3.1%, which is above its 5-year historical median of 2.4%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 26.08, Historic Median: 23.06. PPOP (%), Current: 12.71, Historic Median: 12.71. RoA (%), Current: 3.1, Historic Median: 2.4

Q: Return on Equity (ROE) of Repco Home Finance Ltd?

Repco Home Finance Ltd Return on Equity is 14.2% for FY-2025, which is in line with its 5-year historical median of 14.2%, indicating the business is making similar use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Repco Home Finance Ltd?

Repco Home Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 12.71% for FY-2025, which is in line with its 5-year median(12.71%), indicating stable margins.

Q: Net Profit Margin of Repco Home Finance Ltd?

Repco Home Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 26.08% for FY-2025, which is above its 5-year median( 23.06%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Repco Home Finance Ltd return on invested capital (ROIC) is 7.95% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Check Before You Invest : Repco Home Finance Ltd

BSE: 535322 NSE: REPCOHOME ISIN: INE612J01015

| Sector: BFSI | Industry: Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does Repco Home Finance Ltd belong to?

Repco Home Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.2 Is Repco Home Finance Ltd a good quality company?

Repco Home Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Repco Home Finance Ltd undervalued or overvalued?

Repco Home Finance Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	5.62	6.56
Price to Book	0.69	0.78
Price to Sales	1.41	1.48
EV to EBITDA	8.48	9.78

Q.4 Is Repco Home Finance Ltd a good buy now?

Repco Home Finance Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Repco Home Finance Ltd?

Repco Home Finance Ltd Operating Income growth is 10.54% for FY-2025, which is above its 5-year CAGR of 4.61%, indicating faster growth.

Q.2 Return on Assets of Repco Home Finance Ltd?

Repco Home Finance Ltd Return on Asset is 3.1%, which is above its 5-year historical median of 2.4%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	26.08	23.06
PPOP (%)	12.71	12.71
RoA (%)	3.1	2.4

Q.3 Return on Equity (ROE) of Repco Home Finance Ltd?

Repco Home Finance Ltd Return on Equity is 14.2% for FY-2025, which is in line with its 5-year historical median of 14.2%, indicating the business is making similar use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Repco Home Finance Ltd?

Repco Home Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 12.71% for FY-2025, which is in line with its 5-year median(12.71%), indicating stable margins.

Q.5 Net Profit Margin of Repco Home Finance Ltd?

Repco Home Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 26.08% for FY-2025, which is above its 5-year median( 23.06%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Repco Home Finance Ltd return on invested capital (ROIC) is 7.95% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Repco Home Finance Ltd?

Repco Home Finance Ltd Total Asset growth is 6.53% for FY-2025, which is above its 5-year CAGR of 4.01%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.8 Capital Adequacy ratio of Repco Home Finance Ltd?

Repco Home Finance Ltd Capital Adequacy ratio (CAR) is 37.09% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Q.9 Asset Quality of Repco Home Finance Ltd?

Repco Home Finance Ltd Gross Non-Performing Assets, which are loans overdue by more than 90 days, is 3.3% for FY-2025, which is below its 5-year median 4.08%, while Net Non-Performing Assets, which is GNPA minus provisions made for bad loans is 2.1% which is below its 5-year median( 2.75%), indicating improving asset quality.

Ownership & governance

D: Promoter shareholding and pledge status of Repco Home Finance Ltd?

Q.1 Promoter shareholding and pledge status of Repco Home Finance Ltd?

Promoters hold 37.13% of the Repco Home Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Repco Home Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Repco Home Finance Ltd vs Industry Peers?

Repco Home Finance Ltd AUM CAGR is 4.01%, compared to the 5-year industry median CAGR of 4.02%, indicating stable growth and maintaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Repco Home Finance Ltd vs industry peers

Repco Home Finance Ltd profit metrics are above the industry median level of 10.39%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	26.08	17.47
PPOP (%)	12.71	11.85
RoA (%)	3.1	1.85

Q.3 Operating efficiency of Repco Home Finance Ltd vs industry peers?

Repco Home Finance Ltd ROCE (9.9) is above the industry median of (8.9); while the current ROE (14.2) are above than the 5-year average Industry ROE (12.3). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	26.08	17.47
PPOP (%)	12.71	11.85
RoA (%)	3.1	1.85
ROCE (%)	11.1	8.9
ROE (%)	14.2	12.3

Valuation & price assessment

Q.1 Stock return of Repco Home Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -5.3% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-5.3%	2.4%	23.3%	-3.7%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	5.62	6.56	14.87
Price to Book	0.69	0.78	1.28
Price to Sales	1.41	1.48	3.57
EV to EBITDA	8.48	9.78	10.71

Q.3 Valuation ratios of Repco Home Finance Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.69 is lower than its historical median of 0.78, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Repco Home Finance Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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Check trending companies

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