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Repco Home Finance
Small Cap•823 Employees•IPO 2013
Current Price
₹367.20
5.15 (1.42%)Updated
Today's Range
362.05
₹367.20
374.7
52 Week Range
52W Low₹315.20
52W High₹464.45
₹367.20
Downside16.50%
Upside26.48%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹2,552.19 Cr
Market Cap
Total market value of companyP/E Ratio
5.54
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
0.63
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹73.66
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
6.55%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
11.00%
ROCE
Return on Capital Employed. >15% is goodNet Margin
26.19%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
9.28%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
4.60%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
6.79%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
2.32%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
3.26
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹547.79
Book Value
Net asset value per shareDividend Yield
1.59%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
37.10%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Low P/E ratio (5.64) and Price-to-Book (0.76) suggest undervaluation.
- •Strong Return on Equity (ROE 14.40%) indicates efficient capital utilization.
Weaknesses
5 points- •High debt-to-equity ratio (3.26) indicates significant reliance on borrowed capital.
- •Negative annual cash flow per share (-101.80) raises liquidity concerns.
Opportunities
5 points- •India's growing demand for affordable housing presents significant market expansion.
- •Favorable government policies could further boost the housing finance sector.
Threats
4 points- •Intense competition from larger, diversified players could pressure margins and market share.
- •Rising interest rates may increase borrowing costs and reduce home loan demand.
Segment-wise Financial Analysis
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Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹399.22 | +₹32.02 | +8.72% |
| R3 | ₹386.57 | +₹19.37 | +5.27% |
| R2 | ₹380.63 | +₹13.43 | +3.66% |
| R1 | ₹373.92 | +₹6.72 | +1.83% |
| PIVOT | ₹367.98 | 0.78 | 0.21% |
| CURRENT | ₹367.20 | - | - |
| S1 | ₹335.97 | -₹31.23 | -8.51% |
| S2 | ₹348.62 | -₹18.58 | -5.06% |
| S3 | ₹355.33 | -₹11.87 | -3.23% |
| S4 | ₹361.27 | -₹5.93 | -1.62% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-27.2% vs avg
0.73L
(18 Mar 2026)Delivery %+8.6% vs avg
68.1%
(18 Mar 2026)Avg Volume (20D)20-day average
1.00L
(18 Feb - 18 Mar)Avg Delivery %Trend ↓
59.5%
(18 Feb - 18 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Manba Finance Ltd
88.20 %
Highest Dividend Yield
Bajaj Finance Ltd
0.55 %
Peer Comparison
| Company Name |
|---|
 Arman Financial Services Ltd |
 Bajaj Finance Ltd |
 Fusion Finance Ltd |
 Indostar Capital Finance Ltd |
 |
 Manba Finance Ltd |
 Northern ARC Capital Ltd |
 Paisalo Digital Ltd |
 Satin Creditcare Network Ltd |
 Spandana Sphoorty Financial Ltd |
About
Repco Home Finance Ltd
Repco Home Finance Limited is a prominent housing finance company operating within India, specializing in providing a comprehensive range of loan products tailored to diverse housing needs. Their core business centers around facilitating homeownership and related financial solutions for individuals and families across various income levels and circumstances.
The company's loan portfolio includes a substantial focus on housing loans, the cornerstone of their operations. This encompasses a spectrum of loan types, enabling them to cater to a broad customer base. Beyond standard housing loans, they offer composite loans, combining several financial requirements into a single package for greater convenience. Recognizing the significant diaspora population, Repco also provides NRI (Non-Resident Indian) housing loans, specifically designed to meet the needs of Indian citizens residing abroad.
Further expanding their service offerings, Repco Home Finance provides plot loans to individuals looking to purchase land for future construction or development. They also offer privilege loans, presumably aimed at specific customer segments or offering unique advantages. In addition to financing new homes and land acquisition, the company recognizes the need for home improvement and renovation, offering loans specifically designated for repair, renovation, extension, and multipurpose projects.
To broaden their reach within the real estate sector, Repco Home Finance also provides real estate loans, potentially encompassing commercial properties or other investment-oriented real estate financing. This diversification allows them to participate in various aspects of the property market, catering to a wider array of clients and investment opportunities.
Repco Home Finance's geographical footprint spans a significant portion of India. Their operations are spread across multiple states including Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry. This extensive network enhances their ability to reach a large population and serve diverse regional markets.
COMPANY FACTS - REPCOHOME
Registered Address
Repco Tower, No. 33 North Usman Road,T.Nagar
Chennai
TAMIL NADU
IN
Tel: 914442106650
Website:https://www.repcohome.com/
Investor Relations:https://www.repcohome.com/financial-information
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 823
IPO Date: 01/04/2013
MANAGEMENT - REPCOHOME
Shri. Taruvai Krishnamurthy
Non-Executive Independent Chairman of the Board
Shri. Thangappan Karunakaran
Chief Executive Officer, Managing Director
Smt. Shanthi Srikanth
Chief Financial Officer, General Manager
Shri. A. Palpandi
Chief Operating Officer
Mrs. D. Sireesha Rani
Chief Compliance Officer
Mr. K. G. Visswanathan
Chief Risk Officer
Shri. N. Amarneedhi
General Manager
Mr. K. Murali
General Manager
Mr. K. Muralidharan
General Manager
Shri. K. Pandiarajan
General Manager
Shri. M. Selvakumarasamy
General Manager
Ms. Poonam Sen
Chief General Manager
Investor Questions Answered
Repco Home Finance Ltd (REPCOHOME) Stock FAQs
Get answers to the most common questions about Repco Home Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Repco Home Finance Ltd (REPCOHOME) is ₹367.2. Today, the stock has gained by ₹5.15 (1.42%), trading in a range of ₹362.05 to ₹374.7. The stock opened at ₹362.05 with a trading volume of 72,577 shares.
Repco Home Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹2,552.19 crores, P/E ratio of 5.54, ROE of 6.55%, and ROCE of 11.00%. The dividend yield stands at 1.59%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Repco Home Finance Ltd (REPCOHOME) is ₹464.45, while the 52-week low is ₹315.2. Currently trading at ₹367.2, the stock is 34.8% away from its 52-week low and 20.9% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Repco Home Finance Ltd stock at ₹367.2 depends on multiple factors. The stock is currently trading with a P/E ratio of 5.54 and P/B ratio of N/A. Today's performance shows a gain of 1.42%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Repco Home Finance Ltd offers a dividend yield of 1.59%, which means for every ₹100 invested at the current price of ₹367.2, you can expect to receive approximately ₹1.59 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Repco Home Finance Ltd's key financial metrics include: P/E Ratio: 5.54, P/B Ratio: N/A, ROE: 6.55%, ROCE: 11.00%, Dividend Yield: 1.59%, EPS: ₹73.66, Book Value: ₹547.79, Debt-to-Equity: 3.26, and Current Ratio: N/A. The company's market cap stands at ₹2,552.19 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Repco Home Finance Ltd stock opened at ₹362.05 and is currently trading at ₹367.2, showing a gain of ₹5.15 (1.42%). The intraday high is ₹374.7 and low is ₹362.05. The trading volume stands at 72,577 shares, indicating moderate market participation today.
Repco Home Finance Ltd has a Price-to-Earnings (P/E) ratio of 5.54, which means investors are willing to pay ₹5.54 for every ₹1 of earnings. With an EPS of ₹73.66, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Repco Home Finance Ltd has a market capitalization of ₹2,552.19 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹367.2) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Repco Home Finance Ltd has a book value of ₹547.79 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹367.2, which is 33.0% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Repco Home Finance Ltd has a Return on Equity (ROE) of 6.55% and Return on Capital Employed (ROCE) of 11.00%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Repco Home Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Repco Home Finance Ltd has a debt-to-equity ratio of 3.26, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Repco Home Finance Ltd has an Earnings Per Share (EPS) of ₹73.66, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹367.2 and P/E ratio of 5.54, investors are paying 5.54 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
Repco Home Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Repco Home Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Repco Home Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (5.54), ROE (6.55%), debt-to-equity (3.26), and growth rates. 2) Technical Analysis - Check 52-week range (₹315.20 - ₹464.45), moving averages, and chart patterns. 3) Valuation - Compare current price (₹367.20) with book value (₹547.79) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Repco Home Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹367.2 is 3572x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Repco Home Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹315.20 - ₹464.45). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.26 indicates leverage. 4) Liquidity Risk - Based on trading volume of 72,577 shares. 5) Valuation Risk - P/E of 5.54 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Repco Home Finance Ltd operates in the industry with key metrics: P/E ratio of 5.54, ROE of 6.55%, market cap of ₹2,552.19 crores, and dividend yield of 1.59%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.26), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Repco Home Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹367.2, with a 52-week range of ₹315.20 to ₹464.45. Based on fundamentals like P/E (5.54), ROE (6.55%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Repco Home Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹367.20. 2) Fundamental Deterioration - Declining ROE (currently 6.55%), increasing debt (D/E: 3.26), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Repco Home Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 1.59%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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