Overview

Detailed Summary

Repco Home Finance Ltd (RHFL) is a housing finance company headquartered in Chennai, India, focusing on providing loans for home construction, purchase, and renovation. It operates primarily in individual home loans and home equity segments.
In Q3 FY26, RHFL showed strong loan disbursements of Rs. 1,064 crores, marking a 40% growth compared to Q3 FY25. This reflects their strategic focus on expanding their loan book and market penetration.
The company's asset quality has improved, with gross non-performing assets (GNPA) reducing to 2.92% in Q3 FY26 from 3.86% in Q3 FY25, highlighting effective risk management strategies.
Despite increased operational expenses due to branch expansions and employee costs, RHFL maintains a robust capital adequacy ratio of 37.22%, indicating strong financial health.
Management targets further growth with plans to increase disbursements significantly in the coming quarters, pushing towards a Rs. 16,200 crore AUM by the end of FY26.

Sector: Finance
Industry: Finance - Housing - Large
Market Cap: 2,254 Cr
Volatility: Moderate Risk
P/E Ratio: 4.9
Industry P/E: 12.4
PEG Ratio: 0.9
P/B Ratio: 0.6
52W High: 463.60
52W Low: 310.00

Sales CAGR

1Y: 11.79%
3Y: 9.31%
5Y: 4.61%
10Y: 7.48%

Profit CAGR

1Y: 11.27%
3Y: 31.89%
5Y: 9.41%
10Y: 12.68%

ROE

TTM: 12.70%
3Y: 13.27%
5Y: 12.60%
10Y: 13.73%

ROCE

TTM: 10.36%
3Y: 9.93%
5Y: 9.51%
10Y: 10.13%

Technicals

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Forecasts

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Analyst Target, Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
APTUS	228.45	11,439 Cr	12.86	2.46	1.97	18.11	14.31	7.39
HOMEFIRST	1070.30	11,198 Cr	22.70	2.79	0.30	11.28	10.11	3.59
CANFINHOME	811.65	10,807 Cr	11.10	1.98	1.48	16.87	8.93	2.33
AAVAS	1230.10	9,755 Cr	19.87	2.59	0.00	13.00	8.96	2.97
INDIASHLTR	700.00	7,562 Cr	16.61	2.59	0.71	15.29	11.72	5.52
REPCOHOME	361.15	2,254 Cr	4.90	0.62	1.11	12.70	10.36	2.84
GICHSGFIN	149.90	810 Cr	5.92	0.41	2.99	7.12	7.71	1.23

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	380	387	393	408	415	436	426	436	441	457
Expenses	40	39	33	43	26	45	28	43	51	49
Interest	207	215	220	233	240	248	246	244	244	249
Financing Profit	132	133	140	132	149	143	152	149	146	159
Financing Margin %	34.80	34.33	35.57	32.35	35.95	32.83	35.76	34.18	33.07	34.81
Other Income	0.59	5.90	4.61	8.42	8.94	9.39	8.85	5.19	0.61	0.20
Depreciation	3.84	4.77	5.57	3.74	9.27	8.50	7.13	7.70	7.90	10
Profit Before Tax	129	134	139	137	149	144	154	146	139	149
Tax %	26.44	25.84	22.07	22.81	27.02	26.01	25.42	26.23	25.60	26.99
Net Profit	95	99	108	105	109	107	115	108	103	109
EPS in Rs	15.98	16.63	18.18	17.99	18.40	18.09	19.29	18.40	17.53	18.45
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1,044	1,107	1,189	1,345	1,373	1,290	1,284	1,525	1,685	1,713
Expenses	116	151	110	153	182	344	182	152	143	142
Interest	646	649	720	825	807	690	701	846	966	977
Financing Profit	282	308	359	367	384	256	400	527	577	594
Financing Margin %	27.01	27.78	30.18	27.31	27.96	19.84	31.18	34.55	34.22	34.66
Other Income	1.71	2.87	5.92	5.64	19	16	15	16	36	32
Depreciation	3.56	3.09	5.03	13	13	13	15	18	29	33
Profit Before Tax	280	307	360	360	390	260	401	525	584	593
Tax %	34.95	34.60	34.79	22.17	26.22	26.19	26.12	24.78	25.36	26.16
Net Profit	182	201	235	280	288	192	296	395	436	438
EPS in Rs	—	—	39.87	47.66	47.99	31.03	49.61	66.05	73.77	73.67
Dividend Payout %	6.67	6.85	6.28	5.25	5.21	8.06	5.34	4.51	5.42	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	63	63	63	63	63	63	63	63	63	63
Reserves	901	1,087	1,263	1,495	1,767	2,050	2,227	2,527	2,923	3,364
Borrowings	5,522	6,453	8,134	9,349	10,109	10,197	9,692	9,924	10,701	11,139
Other Liabilities	1,286	1,452	288	81	99	108	70	83	110	150
Total Liabilities	7,772	9,055	9,748	10,987	12,038	12,418	12,052	12,596	13,797	14,716
Fixed Assets	9.25	9.12	14	16	37	31	35	40	58	78
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.35	3.88	4.48	3.05
Investments	0.00	0.00	0.00	52	65	76	86	105	123	325
Other Assets	7,762	9,046	9,735	10,919	11,935	12,311	11,930	12,448	13,612	14,310
Total Assets	7,772	9,055	9,748	10,987	12,038	12,418	12,052	12,596	13,797	14,716

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-1,414	-1,001	-557	-1,015	349	849	691	-363	-685	-614
Cash from Investing Activity	-7.16	-5.92	0.40	-11	-3.12	12	-163	160	-109	-6.41
Cash from Financing Activity	1,424	1,009	562	1,058	-79	-730	-531	205	747	408
Net Cash Flow	2.59	2.36	4.89	32	267	131	-2.35	1.81	-46	-212

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%	37.13%
FIIs	14.55%	13.41%	15.29%	13.79%	13.95%	14.04%	12.90%	12.53%	11.24%	11.16%	11.91%	12.68%
DIIs	18.03%	19.55%	18.41%	19.11%	19.57%	18.80%	19.91%	20.57%	21.09%	23.26%	22.70%	23.75%
Public	30.29%	29.92%	29.17%	29.97%	29.34%	30.02%	30.06%	29.77%	30.53%	28.45%	28.26%	26.44%
Total Shareholders	48,174	44,530	43,101	41,571	42,934	45,257	54,142	54,951	57,155	56,298	57,026	51,932

Market Transactions

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Available on Pro Plan