Repco Home Finance Limited (REPCOHOME)

Financial Services · Finance · NSE · Updated 20 July 2026

₹405.3 ↓ 9.68% (1Y)

🎯 Key Takeaways

Repco Home Finance Limited is in a phase of controlled expansion with improving asset quality and stable profitability, supported by consistent loan book growth and disciplined cost management. Despite a modest 1% YoY rise in net profit in FY26, the company is on track to scale its AUM to Rs.
Revenue grew 5% QoQ to ₹436 in Q3FY25.
⚠️ Execution risk in achieving the Rs.25,000 crores AUM target by FY28 amid intense competition in the housing finance sector.

Market Cap

₹2,435

P/E Ratio

5.4

Div Yield

0.00%

Promoter

0.0%

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📖 The Story

Repco Home Finance Limited is in a phase of controlled expansion with improving asset quality and stable profitability, supported by consistent loan book growth and disciplined cost management. Despite a modest 1% YoY rise in net profit in FY26, the company is on track to scale its AUM to Rs.25,000 crores by FY28, indicating a strategic focus on scalable disbursement growth rather than margin expansion.

📰 What's Happening

In Q4 FY26, the company reported strong performance with disbursements of Rs.1186 crores and a total loan book of Rs.15,880 crores, up 9.6% YoY. Loan sanctions surged 28% YoY to Rs.4,519 crores, and disbursements grew 26% to Rs.4,148 crores. Management reaffirmed its Rs.25,000 crores AUM target by FY28 and projected Rs.18,000 crores AUM by fiscal year-end with Rs.5,000 crores disbursement guidance. The board confirmed a trading window closure post-Q1 FY27 results and appointed Ankush Tiwari as Company Secretary and Compliance Officer, effective August 4, 2021, with no resignation or change reported. Additionally, the company redeemed Rs.100 crores and Rs.50 crores in unlisted Commercial Papers in June 2026, reflecting prudent liquidity management.

Source: Stock Announcements

📊 Quarterly Results (₹ Cr)

Metric	Q4FY23	Q1FY24	Q2FY24	Q3FY24	Q4FY24	Q1FY25	Q2FY25	Q3FY25
Revenue	340	364	380	387	393	408	415	436
Operating Profit	302	326	344	354	365	373	398	400
OPM %	87.7%	89.0%	89.4%	89.9%	91.7%	89.5%	93.6%	89.6%
Net Profit	84	95	103	104	114	113	115	113
EPS	₹13.42	₹14.24	₹16.49	₹16.63	₹18.18	₹17.99	₹18.40	₹18.09

The company has demonstrated steady revenue growth, rising from Rs.340 crores in Q4 FY23 to Rs.436 crores in Q3 FY25, with operating margins holding firm above 89% despite macroeconomic pressures. Net profit has remained stable around Rs.113–115 crores in recent quarters, indicating consistent earnings power. This performance aligns with management’s disclosed focus on expanding the loan book and improving asset quality, as evidenced by GNPA declining to 2.55% and provision coverage reaching 55%. The 5% YoY revenue growth in FY26, driven by loan book expansion, supports the narrative of scalable, asset-light growth.

🔮 Management Outlook & What's Next

Management has provided forward-looking guidance, projecting Rs.18,000 crores in AUM by fiscal year-end and targeting Rs.25,000 crores by FY28, backed by Rs.5,000 crores disbursement guidance. These targets underscore a strategic emphasis on controlled, sustainable expansion rather than aggressive leverage. The reaffirmation of these goals in the latest filing suggests confidence in execution, particularly given the strong loan sanctions growth and improving credit metrics. No guidance was provided on margins or profitability beyond current levels.

Extracted from official company announcements. Not StockFin.ai's opinion.

⚖️ Peer Comparison — Finance

Company	MCap (₹ Cr)	P/E	ROCE	ROE	D/E
Bajaj Finance Limited	5.67 L Cr	30.9	22.4%	18.6%	1.37
Bajaj Finserv Limited	2.77 L Cr	14.4	—	13.4%	—
Shriram Finance Limited	2.21 L Cr	23.3	—	—	—
Jio Financial Services Limited	1.54 L Cr	92.1	—	—	—
Power Finance Corporation Limited	1.47 L Cr	5.0	—	—	—
Muthoot Finance Limited	1.33 L Cr	26.6	—	—	—
Cholamandalam Investment and Finance Company Limited	1.32 L Cr	31.9	—	—	—
Tata Capital Limited	1.31 L Cr	—	—	—	—
Indian Railway Finance Corporation Limited	1.29 L Cr	18.4	—	—	—
Bajaj Holdings & Investment Limited	1.15 L Cr	15.3	—	—	—

🔗 Peer Stock Analyses

BAJFINANCE BAJAJFINSV SHRIRAMFIN JIOFIN PFC

⚠️ Risk Factors

1. Execution risk in achieving the Rs.25,000 crores AUM target by FY28 amid intense competition in the housing finance sector. 2. Margin pressure potential if funding costs rise or credit quality deteriorates despite current improvement in NPA ratios. 3. Regulatory or operational risks associated with Commercial Paper issuance and redemption cycles, though currently under control. 4. Limited visibility into future dividend policy or shareholder returns, which may affect investor interest in a low-growth environment.

📋 Recent Filings

🧠 Analyst's Read

Repco Home Finance is executing a steady, capital-efficient growth strategy with improving asset quality and clear AUM targets, but lacks near-term catalysts for re-rating. Investors should monitor disbursement trends and NPA trajectory in upcoming quarters to assess sustainability of current momentum.

Based on filing content and financial data. Not a recommendation.

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Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-07-20.

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