Repco Home Finance Ltd Stock Analysis

BSE: 535322 | NSE: REPCOHOME | Finance - Housing | Small Cap

BSE Share Price Aug 19, 18:03
247.25 41.20 (20.00%)

DeciZen - Make an Informed Decision on Repco Home Finance

Overall Rating

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Repco Home Finance Price Chart

P/E Ratio (SA) :
5.82
Market Cap :
1,289.1 Cr.
52-wk low :
113.4
52-wk high :
345
Bole Toh?

1. Is Repco Home Finance Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Repco Home Finance Ltd is a average quality company.

2. Is Repco Home Finance Ltd undervalued or overvalued?

The key valuation ratios of Repco Home Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Repco Home Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Repco Home Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Repco Home Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Repco Home Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Operating Income (₹ Cr.)4065346928811,0441,1071,1891,3451,3731,2901,240
YoY Gr. Rt. %-31.7%29.5%27.3%18.6%6%7.4%13.1%2.1%-6.1%-
Adj EPS (₹ ) 12.917.719.72429.132.137.544.84630.635.4
YoY Gr. Rt. %-37.6%11.5%21.6%21.4%10.3%16.7%19.5%2.6%-33.4%-
BVPS (₹ )102.1117.9128.7152.4181.8209.2244.2285.6329.2357.4367.3
YoY Gr. Rt. %-15.5%9.2%18.4%19.3%15.1%16.7%17%15.2%8.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.42.62.32.22.22.12.32.42.41.60

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income13.7%4.3%2.8%-6.1%
Adj EPS10.1%1%-6.5%-33.4%
BVPS14.9%14.5%13.5%8.6%
Share Price - -17.9% -8.7% -21.6%

Key Financial Ratios

RATIOS \ YEARSMar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)10.70.50.51.41.31.4000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 25.524.520.320.720.82324.1000-
Margins
Net Profit Margin (%)19.720.617.81717.518.219.720.820.914.917.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)17.116.11617.117.416.416.616.9158.99.6

Recent Performance Summary

Total Income has increased 2.75 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

Return on Equity has declined versus last 3 years average to 9.80%

Net Profit has declined -6.54 CAGR in last 3 years

Latest Financials - Repco Home Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 35.4 37.6
TTM Sales (₹ Cr.) 1,240 1,240
BVPS (₹.) 367.3 376
Reserves (₹ Cr.) 2,235 2,289
P/BV 0.56 0.54
PE 5.82 5.40
From the Market
52 Week Low / High (₹) 113.35 / 345.00
All Time Low / High (₹) 90.75 / 923.00
Market Cap (₹ Cr.) 1,289
Equity (₹ Cr.) 62.6
Face Value (₹) 10
Industry PE 24.2

Management X-Ray of Repco Home Finance :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

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Key Ratios of Repco Home Finance

Adj EPS (Rs.)
Total Income (Cr.)
ROE (%)
BVPS (Rs.)

News

About Repco Home Finance Ltd

Repco Home Finance Ltd (RHFL) is a professionally managed housing finance company, incorporated in April 2000. It is registered as a housing finance company with the National Housing Bank (NHB). The company is operating through many branches and several satellite centres in Tamil Nadu, Andhra Pradesh, Jharkhand, Kerala, Karnataka, Maharashtra, Madhya Pradesh, Gujarat, Odisha, West Bengal and Puducherry. The mission of RHFL has been to translate into reality the aspirations of people to own a house by covering the market -existing and potential- comprehensively through institutional credit support customized to suit individual needs in a transparent and ethical way.

The salient and unique features of RHFL are innovative loan products, direct customer contact and customer ownership, focus on quality customer servicing, transparency and speed of operations, focus on relatively under-penetrated markets and balanced portfolio mix, robust risk management systems and processes, low cost operations, well recognized brand in south India with an established track record, stable and experienced senior management team. The Company’s products have been developed to suit the needs of different customers.

Business area of the company

The company provides a variety of tailor-made home loan products to individual borrowers in both salaried and non-salaried (self-employed professional and self-employed non-professional) classes to suit various requirements.

Products

‘Repco - Rural’ Home Loans: Loans to Individuals under ‘Weaker Section’ Category in Rural areas for Purchase/Construction/Repairs/renovation/upgradation of house

Dream Home Loan: Housing loans for the purpose of construction or purchase of a residential property.

Home makeover Loan: Loans for the purpose of repairs, renovation, and / or extension/improvement of a residential property.

Plot Loans: Loans for outright purchase of plots for construction of a house thereon.

NRI Housing Loans: Loans to Non-Resident Indians for construction/ purchase of house in India.

Prosperity Loan: Loans against mortgage of immovable property for such purposes as may be desired by the borrower.

New Horizon Loan: Loans for purchase and / or construction of non-residential and commercial property like Marriage Halls, Shopping complex, Office buildings etc.

Commercial Real Estate (CRE) Loan: Loans for construction/purchase of integrated house buildings comprising of some commercial spaces like shops/office spaces combined with residential building with substantial floor space allotted for residential premises.

Fifty Plus Loan: Home loans exclusively to salaried class borrowers who are aged above 50 years in which their loan repayments and disbursements are structured around their retirement / pension income.

Super Loan: Loans for construction (including extensions and additions to existing property) on the land owned by borrower’s parents.

Milestones

  • 2000: Incorporated as Repco Home Finance
  • 2002: Received certificate of registration from NHB
  • 2003: Loan book crossed Rs 1,000 million
  • 2007: Opening of 25th branch
  • 2007: Investment by Carlyle
  • 2007: Loan book crossed Rs 5,000 million
  • 2009: Loan book crossed Rs 10 billion
  • 2009: First branch outside the southern states opened in Pune, Maharashtra
  • 2010: Rated ‘LA+ (stable)’ by ICRA
  • 2010: Opening of 50th branch
  • 2011: Rated ‘A+ (stable)’ by ICRA
  • 2012: Opening of 70th branch
  • 2012: Loan book crossed Rs 30 billion
  • 2014-15: Launch of National Investment and Infrastructure Fund with flow of funds to the tune of Rs. 20,000 crores, which would enable the fund to borrow money and invest equity money in infrastructure finance companies and NHB.
  • 2017-18: Launch of a new Home Loan Scheme Repco Super Delight plus
  • 2019-20: The loan book of the Company as at the end of financial year 2019-20 was Rs. 11826.12 crore as against Rs. 11,036.82 crore in the previous year representing a growth of 7.15%.
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