What is CAGR? What does CAGR table indicate for Repco Home Finance Ltd?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

Repco Home Finance Ltd Stock Analysis

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

MoneyWorks4Me analysed the past 10-year performance of Repco Home Finance Ltd and arrived at the following conclusion.

Q: Is the current market price of Repco Home Finance Ltd a good price to buy it?

The 5-year analysis of Repco Home Finance Ltd's performance infers.

Q: What is Repco Home Finance Ltd share price return in the past 10 years?

We analysed the performance of Repco Home Finance Ltd share prices over the last 10 years. Here is what we found out:

Small Cap

Evaluated by 2488 users | BSE: 535322 | NSE: REPCOHOME |
Finance - Housing

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis P

Analysis of Financial Track Record

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

What is a Financial Track Record? How to read this chart in order to understand the data present here?

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 not performed well majority of the past ten years indicating its past ten year financial track record is not good

	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	TTM
Operating Income (Rs. Cr.)	226	319	406	534	692	881	1,044	1,107	1,189	1,345	1,352
Y-o-Y Gr. Rt.	-	41.4%	27.2%	31.7%	29.5%	27.3%	18.6%	6%	7.4%	13.1%	-
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	12.52	13.23	12.87	17.71	19.74	24	29.13	32.13	37.51	44.81	45.97
Y-o-Y Gr. Rt.	-	5.7%	-2.7%	37.6%	11.5%	21.6%	21.4%	10.3%	16.7%	19.5%	-
Book Value per Share (Rs.) The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share	53.34	65.3	102.08	117.91	128.71	152.38	181.78	209.15	244.15	285.63	329.16
Y-o-Y Gr. Rt.	-	22.4%	56.3%	15.5%	9.2%	18.4%	19.3%	15.1%	16.7%	17%	-

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

3.24

2.49

2.42

2.59

2.28

2.17

2.14

2.27

2.44

Difference between Standalone Basis and Consolidated basis? Which method is preferred for Repco Home Finance Ltd. ?

Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.

Repco Home Finance Ltd. should be analysed on a Standalone basis

CAGR CAGR Colour Code Guide

	9 yrs	5 yrs	3 yrs	1 yr
Operating Income	22%	14.2%	8.8%	13.1%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	15.2%	17.8%	15.4%	19.5%
Book Value per Share	20.5%	17.3%	16.3%	17%
Share Price	-	-16.7%	-18.5%	128.7%

Key Financial Ratios

RATIOS \ YEARS	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here Asset Quality Ratio: Colour Rating Guide <0.5 : Very Good 0.5-1 : Somewhat Good >1 : Not Good
Net NPA to Net Advances (%)	0	0.95	0.99	0.72	0.5	0.48	1.39	1.29	1.37	0	-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here Capitalization Ratio: Colour Rating Guide >14% : Very Good 12%-14% : Somewhat Good <12% : Not Good
Capital Adequacy Ratio (%)	18.2	16.5	25.5	24.51	20.3	20.74	20.8	23.04	24.08	0	-
Margins
Net Profit Margin (%)	25.78	19.28	19.73	20.61	17.79	17.04	17.45	18.15	19.73	20.84	21.27
Performance Ratios To view Performance Ratios Colour Rating Guide click here Performance Ratios: Colour Rating Guide >15 : Very Good 12-15 : Somewhat Good <12 : Not Good
Return on Equity (%)	26.27	22.31	17.07	16.1	16.03	17.1	17.44	16.44	16.55	16.92	13.96

Management X-Ray

Corporate Governance What do we look at?

Corporate Governance

Board Credentials

Promoter's holding

Transparency

Integrity

Shareholding Pattern

Entity	Percentage Holding
Promoters	37.13%
Institutions	39.90%
Non-Institutions	22.97%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

FAQs

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

MoneyWorks4Me analysed the past 10-year performance of Repco Home Finance Ltd and arrived at the following conclusion:

Past 10 year's financial track record indicates that Repco Home Finance Ltd is a below average quality company. However, for specific investment actions please connect with your investment advisor.

2. Is current market price of Repco Home Finance Ltd a good price to buy it?

The 5-year analysis of Repco Home Finance Ltd's performance infers:

Repco Home Finance Ltd earnings have grown by 17.8%, whereas share price has depreciated -16.7% CAGR over the past five years, indicating the company's share price is likely undervalued. However, for specific investment actions please connect with your investment advisor.

3. What is Repco Home Finance Ltd share price return in the past 10 years ?

Data is not available for this company

About Company

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%.