Repco Home Finance Ltd
NSE: REPCOHOME BSE: 535322
₹348.95
(-5.59%)
Thu, 02 Apr 2026, 00:06 pm
Market Cap21.88B
PE Ratio4.74
Dividend2.31
Finance
Finance/Rental/Leasing
24.5KRepco Home Finance Analysis
dividend
- Dividends paid are thoroughly covered by earnings (19x coverage).
- Dividends after 3 years are expected to be thoroughly covered by earnings (16.8x coverage).
- Repco Home Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Dividend payments have increased, but Repco Home Finance only paid a dividend in the past 7 years.
- Whilst dividend payments have been stable, Repco Home Finance has been paying a dividend for less than 10 years.
- Repco Home Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- Repco Home Finance's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- Repco Home Finance's revenue growth is expected to exceed the India market average.
- Repco Home Finance's earnings are expected to grow by 13.1% yearly, however this is not considered high growth (20% yearly).
- Repco Home Finance's earnings growth is positive but not above the India market average.
- Repco Home Finance's earnings are expected to decrease over the next year.
- Repco Home Finance's net income is expected to increase but not above the 50% threshold in 2 years time.
- Repco Home Finance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- A decline in Repco Home Finance's performance (ROE) is expected over the next 3 years.
- Repco Home Finance's revenue is expected to increase but not above the 50% threshold in 2 years time.
- Repco Home Finance's revenue is expected to grow by 11.8% yearly, however this is not considered high growth (20% yearly).
health
- Repco Home Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Repco Home Finance is profitable, therefore cash runway is not a concern.
- Repco Home Finance is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.2x debt.
- Repco Home Finance's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (590.3% vs 588% today).
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- Repco Home Finance's level of debt (588%) compared to net worth is high (greater than 40%).
management
- The tenure for the Repco Home Finance board of directors is about average.
- Yashpal's remuneration is higher than average for companies of similar size in India.
- The average tenure for the Repco Home Finance management team is less than 2 years, this suggests a new team.
misc
- Repco Home Finance has significant price volatility in the past 3 months.
past
- Repco Home Finance's 1-year earnings growth exceeds its 5-year average (23.9% vs 18%)
- Repco Home Finance's year on year earnings growth rate has been positive over the past 5 years.
- Repco Home Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Repco Home Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (23.9% vs 11%).
- Repco Home Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- Repco Home Finance is good value based on expected growth next year.
- Repco Home Finance is good value based on earnings compared to the IN Consumer Finance industry average.
- Repco Home Finance is good value based on earnings compared to the India market.
- Repco Home Finance's share price is below the future cash flow value, but not at a moderate discount (< 20%).
- Repco Home Finance's share price is below the future cash flow value, but not at a substantial discount (< 40%).
- Repco Home Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
- 535322 underperformed the Consumer Finance industry which returned -28.8% over the past year.
- 535322 underperformed the Market in India which returned -14.5% over the past year.
- BSE:535322 is down -1.5% underperforming the Consumer Finance industry which returned 10.3% over the past month.
- BSE:535322 is down -1.5% underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800