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Repco Home Finance Limited (REPCOHOME.NS)

INR409.85 -9.85 (-2.35%)
IN NSE Financial Services Financial - Mortgages
Address Alexander Square 600032
Chennai, IN
CEO Thangappan Karunakaran
Website repcohome.com
IPO 2013-04-01
ISIN INE612J01015

Explore sections of this company profile

Also trades on Bombay Stock Exchange · REPCOHOME.BO (INR) National Stock Exchange of India · REPCOHOME.NS (INR)
Description

Repco Home Finance Limited operates as an Indian company primarily focused on providing housing finance. Its extensive range of offerings includes mortgages for constructing or purchasing residences, funding for home repairs, renovations, or extensions, and loans for acquiring plots designated for house construction. The company also caters to Non-Resident Indians seeking to build or buy homes in India, provides loans against the mortgage of fixed property, and finances the acquisition or development of non-residential and commercial properties. Additionally, it supports integrated residential-commercial projects, offers specific home loan products for salaried individuals, and grants loans for building on land owned by borrowers' parents. As of March 31, 2022, Repco Home Finance maintained a significant presence through 155 branches and 24 satellite centers across Indian states such as Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry. The firm was founded in 2000 and has its headquarters located in Chennai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR409.85 -9.85 (-2.35%)
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Volume Profile
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Liquidity & share structure
Average Volume
218.6K
Beta
0.41
Float Shares
37.47M
Free Float %
59.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.83% -0.28% -4.02% +2.60% -5.61% -5.29% +0.55% +83.04% +15.69% -42.26% +138.55%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
409.85
DCF (Unlevered) 6,433.19 +1,469.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 57% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 3 0
Hold 3 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.50
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Financial - Mortgages: +18.2%
    +6.4% Q1'26: +138.2% (vs Q1'25)
  • ✓
    EPS growth Financial - Mortgages: +18.3%
    +3.0% Q1'26: +12.0% (vs Q1'25)
  • ✗
    FCF margin FCF growth · Financial - Mortgages: +84.8%
    -53.5% Q1'26: -78.8% (vs Q1'25)
  • ✓
    EBIT margin Financial - Mortgages: +34.8%
    +30.6% Q1'26: +30.0% (vs Q1'25)
  • ✗
    ROIC Financial - Mortgages: +4.9%
    +2.6% Q1'26: +2.9% (vs Q1'25)
  • ✓
    Share dilution Financial - Mortgages: 0.0%
    +0.0% ★ Q1'26: +0.0% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    21.08× Q1'26: 20.96× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.41) × ERP
WACC = 17% × Ke + 83% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 6,748.17 Current price: 409.85
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2014
actual 		Mar 2015
actual 		Mar 2016
actual 		Mar 2017
actual 		Mar 2018
actual 		Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
5 Rev. Ana.
6 EPS Ana. 		Mar 2027
4 Rev. Ana.
2 EPS Ana. 		Mar 2028
4 Rev. Ana.
6 EPS Ana.
Revenue
5.35B
est: 2.15B (+148.9%)
6.93B
est: 2.62B (+164.2%)
8.82B
est: 3.28B (+168.6%)
10.46B
est: 3.92B (+166.5%)
11.09B
est: 4.60B (+141.1%)
11.91B
est: 4.81B (+147.6%)
13.48B
est: 5.26B (+156.5%)
13.76B
est: 5.79B (+137.7%)
12.92B
est: 6.12B (+111.1%)
12.85B
est: 5.88B (+118.5%)
15.15B
est: 7.03B (+115.5%)
16.70B
est: 7.58B (+120.3%)
8.29B
8.00B – 8.92B
+9.4% YoY
8.78B
8.50B – 9.04B
+5.9% YoY
9.83B
9.42B – 10.12B
+11.9% YoY
EBITDA
4.76B
est: 1.38B (+243.6%)
6.20B
est: 1.69B (+267.3%)
7.82B
est: 2.16B (+262.4%)
9.30B
est: 3.13B (+197.0%)
9.59B
est: 3.38B (+183.8%)
10.85B
est: 3.45B (+214.3%)
11.98B
est: 4.07B (+194.4%)
12.10B
est: 4.00B (+202.9%)
9.62B
est: 4.30B (+124.0%)
11.17B
est: 4.76B (+134.5%)
5.42B
est: 3.75B (+44.5%)
6.15B
est: 5.54B (+11.1%)
4.42B
4.26B – 4.76B
-20.2% YoY
4.68B
4.53B – 4.82B
+5.9% YoY
5.24B
5.02B – 5.40B
+11.9% YoY
EBIT
4.73B
est: 1.36B (+248.4%)
6.17B
est: 1.66B (+272.5%)
7.78B
est: 2.09B (+272.2%)
9.26B
est: 3.00B (+209.0%)
9.56B
est: 3.24B (+195.3%)
10.80B
est: 3.27B (+230.4%)
11.85B
est: 3.78B (+213.7%)
11.97B
est: 3.64B (+229.0%)
9.49B
est: 3.91B (+142.7%)
11.02B
est: 4.34B (+154.0%)
5.24B
est: 3.65B (+43.5%)
5.87B
est: 3.93B (+49.4%)
4.30B
4.15B – 4.63B
+9.6% YoY
4.56B
4.41B – 4.69B
+5.9% YoY
5.10B
4.89B – 5.25B
+11.9% YoY
Net Income
1.10B
est: 1.23B (-10.6%)
1.25B
est: 1.22B (+2.4%)
1.54B
est: 1.56B (-1.0%)
1.88B
est: 2.02B (-6.9%)
2.10B
est: 2.18B (-3.6%)
2.49B
est: 2.26B (+10.3%)
2.98B
est: 2.66B (+12.1%)
3.00B
est: 3.04B (-1.3%)
1.94B
est: 3.27B (-40.7%)
3.16B
est: 3.38B (-6.5%)
4.13B
est: 4.33B (-4.7%)
4.61B
est: 4.64B (-0.6%)
4.75B
4.12B – 4.97B
+2.4% YoY
4.54B
4.53B – 4.55B
-4.5% YoY
4.97B
4.30B – 5.25B
+9.4% YoY
SGA
61.35M
est: 27.02M (+127.1%)
69.80M
est: 32.94M (+111.9%)
70.57M
est: 41.84M (+68.7%)
75.14M
est: 775.75M (-90.3%)
104.60M
est: 734.89M (-85.8%)
143.70M
est: 802.55M (-82.1%)
131.90M
est: 978.86M (-86.5%)
108.60M
est: 948.02M (-88.5%)
115.10M
est: 1.02B (-88.7%)
183.10M
est: 1.13B (-83.8%)
239.20M
est: 77.21M (+209.8%)
266.60M
est: 83.09M (+220.8%)
91.04M
87.83M – 97.94M
+9.6% YoY
96.44M
93.38M – 99.28M
+5.9% YoY
107.95M
103.49M – 111.16M
+11.9% YoY
EPS
17.71
est: 19.70 (-10.1%)
20.14
est: 19.57 (+2.9%)
24.68
est: 24.58 (+0.4%)
30.00
est: 28.47 (+5.4%)
33.61
est: 33.06 (+1.7%)
39.79
est: 39.39 (+1.0%)
47.63
est: 46.05 (+3.4%)
47.96
est: 47.10 (+1.8%)
31.01
est: 35.19 (-11.9%)
50.52
est: 46.13 (+9.5%)
66.04
est: 69.23 (-4.6%)
73.76
est: 69.62 (+5.9%)
71.83
65.78 – 79.50
+3.2% YoY
72.60
72.40 – 72.80
+1.1% YoY
78.43
68.73 – 83.96
+8.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 A 4/5 4/5 4/5 5/5 1/5 4/5 4/5
2026-05-25 A 4/5 4/5 4/5 5/5 1/5 4/5 4/5
2026-05-22 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-21 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-20 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-19 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-18 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-15 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-14 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-13 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-12 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-11 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-08 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-07 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-06 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-05 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-05-04 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-30 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-24 C+ 2/5 4/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-21 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5
2026-04-15 C+ 2/5 5/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-3.94B
OE per share TTM
-61.51
Owner's Yield
-16.02%
Maintenance CapEx ratio
12.40%
Maint CapEx / Avg PPE
3.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
6.60M
Shares Outstanding
62.56M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Paiyur Kuppuraman Vaidyanathan Chief Development Officer & Additional Whole-Time Director 4M male
A. Palpandi Chief Operating Officer 4M male
D. Premchander Chief Technology Officer — male
D. Sireesha Rani Deputy GM & Chief Compliance Officer — female
K. Pandiarajan GM & Chief Information Officer — male
Ankush Tiwari Company Secretary & Compliance Officer — male
Raja Chief Business Officer — male
Shanthi Srikanth GM & Chief Financial Officer — female
Thangappan Karunakaran MD, Chief Executive Officer & Executive Director — male
Vaidyanathan Iyer Head of Internal Audit — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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