Repco Home Finance Limited
NSE: REPCOHOME · Housing Finance Company
Snapshot
Unlock Repco Home Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Repco Home Finance Limited is a housing finance company that provides a diverse range of loan products, including home purchase, construction, renovation, and mortgage-backed loans. The company serves both residential and commercial property needs across multiple Indian states, with a significant operational footprint in Southern India.
Business Model
The company generates revenue primarily through interest income earned on housing and property-backed loans provided to salaried and self-employed individuals. It operates through an extensive network of branches and satellite centres to facilitate loan origination and customer service.
- Branch Network:155 branches
- Satellite Centres:24 centres
Growth Outlook
Growth is driven by the increasing demand for affordable housing and the expansion of the company's loan portfolio into new geographical territories. The company continues to leverage its established presence in Southern India while exploring opportunities in other states.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly in the affordable housing segment.
- Geographical Concentration. A significant portion of the company's operations is concentrated in Southern India, making it vulnerable to regional economic downturns or local market disruptions.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the real estate sector could adversely affect business operations.
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Key Metrics
REVENUE
₹1,819 Cr
TTM · consolidated
NET PROFIT
₹482 Cr
TTM · consolidated
EPS
₹77.03
TTM · consolidated
RETURN ON EQUITY
12.9%
TTM · consolidated
P/E
4.7x
Q1 FY27 · consolidated
EBITDA MARGIN
88.7%
TTM · consolidated
NET PROFIT MARGIN
26.0%
Q1 FY27 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Repco Home Finance LimitedREPCOHOME | ₹2,244 Cr | 4.66 | — | 6.2% | 88.7% | 12.9% | 10.3% | +0.2% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
GIC Housing Finance LimitedGICHSGFIN | ₹756 Cr | 4.80 | — | 1.2% | 82.7% | 7.7% | 8.6% | -18.7% |
SRG Housing Finance LimitedSRGHFL | ₹386 Cr | 11.27 | — | 31.3% | 63.4% | 12.2% | 20.5% | -18.1% |
As of Q1 FY27
Financials
Repco Home Finance Limited
NSE: REPCOHOME · Housing Finance Company
Snapshot
Unlock Repco Home Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Repco Home Finance Limited is a housing finance company that provides a diverse range of loan products, including home purchase, construction, renovation, and mortgage-backed loans. The company serves both residential and commercial property needs across multiple Indian states, with a significant operational footprint in Southern India.
Business Model
The company generates revenue primarily through interest income earned on housing and property-backed loans provided to salaried and self-employed individuals. It operates through an extensive network of branches and satellite centres to facilitate loan origination and customer service.
- Branch Network:155 branches
- Satellite Centres:24 centres
Growth Outlook
Growth is driven by the increasing demand for affordable housing and the expansion of the company's loan portfolio into new geographical territories. The company continues to leverage its established presence in Southern India while exploring opportunities in other states.
Key Risks
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for borrowers.
- Credit Risk. The company faces potential losses if borrowers default on their loan obligations, particularly in the affordable housing segment.
- Geographical Concentration. A significant portion of the company's operations is concentrated in Southern India, making it vulnerable to regional economic downturns or local market disruptions.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the real estate sector could adversely affect business operations.
Start your research today
Unlock AI insights, financials, peers and live data on Repco Home Finance Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,819 Cr
TTM · consolidated
NET PROFIT
₹482 Cr
TTM · consolidated
EPS
₹77.03
TTM · consolidated
RETURN ON EQUITY
12.9%
TTM · consolidated
P/E
4.7x
Q1 FY27 · consolidated
EBITDA MARGIN
88.7%
TTM · consolidated
NET PROFIT MARGIN
26.0%
Q1 FY27 · consolidated
Peers · Housing Finance Company
As of Q1 FY27