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 2421 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
Operating Income (Rs. Cr.)	226	319	406	534	692	881	1,044	1,107	1,189	1,345
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
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
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	-	-17.1%	-24.6%	-12.5%

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
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
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

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	39.25%
Non-Institutions	23.62%

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 -17.1% 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 is a professionally managed housing finance company headquartered in Chennai, Tamil Nadu. The company is promoted by The Repatriates Co-operative Finance and Development Bank (Repco Bank), a Government of India owned enterprise, in April 2000, to tap the growth potential in the housing finance industry. The company is registered as a housing finance company with the National Housing Bank (NHB), the housing finance regulator of India. It is engaged primarily in the business of financing (i) the construction and/or purchase of residential and commercial properties including repairs and renovations (individual home loans) and (ii) loans against properties (loans against property).

The company was having 73 branches and 19 satellite centres located in Tamil Nadu, Karnataka, Andhra Pradesh, Kerala, Maharashtra, Odisha, West Bengal, Gujarat and the Union Territory of Puducherry by the end of the last calender year. Also, 77 of the companyâ€™s branches and satellite centres are located in tier 2 and tier 3 cities, and at the peripheries of tier 1 cities.

The companyâ€™s loan portfolio is well diversified across salaried and non - salaried borrowers. The non-salaried borrower base, which is a relatively under penetrated target segment, comprises Self Employed Professionals (SEP) and Self Employed Non-Professional (SENPs).

The company intends to grow its loan book, income and profits through deepening its reach in existing regions and expanding to new regions, continued focus on under penetrated markets, maintaining strong asset quality through continued focus on risk management, accessing low cost and diversified sources of funds, and maintaining low operating costs, amongst others.

Product of the company