Repco Home Finance Ltd

Q4 FY26Finance

Repco Home Finance Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Price₹359

Market cap₹2.2K Cr

P/E4.6

Updated23 Aug 2026

Read3 min read

The short version

Expecting growth from Karnataka as e-Khata issues are resolving, leading to improved disbursements. Repco Home Finance aims to increase disbursements to approx.

From Repco Home Finance Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Expecting growth from Karnataka as e-Khata issues are resolving, leading to improved disbursements.
Andhra Pradesh saw recent leadership and team realignment; growth anticipated this year.
Maharashtra, Madhya Pradesh, and Rajasthan show promising "green shoots" for future growth.
Non-Tamil Nadu branches are being reorganized, focusing on high-performance branches.
Plans to increase "feet on street" with more grassroots-level employees and city sales managers to boost direct sales.
Disbursement per branch targets between Rs.1.5 Crores to Rs.2 Crores monthly, with 1 Branch Head and 1-2 sales staff per branch.
Strategy includes balancing cost control with productivity improvements before further increasing sales staff.

2 more points from Repco Home Finance Ltd's call on revenue

Create a free account to keep reading this call

Profitability & Margins

Repco Home Finance aims to increase disbursements to approx. Rs. 5,000 Crores in FY2027 (up from Rs. 4,148 Cr in FY2026), indicating strong growth focus.
They target AUM growth to reach Rs. 18,000 Crores in the current financial year and Rs. 25,000 Crores within two years (FY2028), implying profit and earnings growth.
Profit for FY2026 stood at Rs. 453 Crores with a stable NIM of 5.38% and ROA of 3%; operating efficiencies and cost-income ratio were balanced at 28.71%.
Management expects continued strong disbursement momentum with a plan for >Rs. 1,000 Crores quarterly to drive top-line.
Dividend payout trend to continue as per management’s comments, reflecting confidence in earnings.

2 more points from Repco Home Finance Ltd's call on margins

Create a free account to keep reading this call

See what Repco Home Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Key points related to financial and operational strategies include: - Focus on increasing disbursements to drive growth rather than inorganic acquisitions (only small book buys of Rs.25-30 Crores planned). - Investment in team alignment and leadership, especially in markets like Andhra Pradesh and Karnataka. - Adding more grassroots-level sales personnel to boost direct sales.

2 more points from Repco Home Finance Ltd's call on capex

Create a free account to keep reading this call

Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked

1Mufin Green₹2.7K Cr

Rev 1Mar 1

2Akiko₹464 Cr

Rev 1Mar 1

3₹961 Cr

Rev 1Mar 2

4₹23.8K Cr

Rev 1Mar 3

5₹16.5K Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

Repco Home Finance Limited secured a Rs.600 Crores refinance facility from National Housing Bank (NHB) as approved in the recent Board meeting; this will help reduce the cost of funds by approximately 10 to 15 basis points.
The company issued commercial papers worth Rs.150 Crores, pass-through certificates, and NCDs totaling around Rs.125 Crores during the financial year.
Overall borrowings include ~6.2% from NHB, 85% from banking system, 5.39% from Repco Bank, 1.2% from CPs, and 2% from pass-through certificates and NCDs.
The management indicated no plans for large-scale inorganic loan book funding; only a small book buy of Rs.25-30 Crores may occur this financial year.

See what Repco Home Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The discussion primarily revolves around: - Loan book and disbursement targets (e.g., Rs.5000 Crores disbursement expected for the current year). - Asset under management (AUM) growth targets, with Rs.18,000 Crores expected by year-end and Rs.25,000 Crores AUM target in two years. - Focus on increasing disbursements and managing prepayments and repayments rather than pending order or order book details.

What Repco Home Finance Ltd's management said in earlier quarters

Others in Finance this season

Regency Fincorp Ltd (Q4 FY26)
Disbursements grew 43% YoY to INR 142 crores in FY2026. Key concall takeaways from Regency Fincorp's Q4 FY26 earnings call — and how it ranks against sector…
Shalibhadra Finance Ltd (Q4 FY26)
Expanding product mix: Two-wheelers to remain 60%, newer products (Micro LAP, home loans) 40%. Key concall takeaways from Shalibhadra Finance Ltd's Q4 FY26…
Authum Invest (Q4 FY26)
Cr) for FY2026: Total Rs. Key investor presentation takeaways from Authum Investment & Infrastructure Ltd's Q4 FY26 investor presentation — and how it ranks aga
Capital Trust (Q4 FY26)
Q4 FY26 Total Income: ₹9.6 Cr, down 54% YoY from ₹20.9 Cr in Q4 FY25 (Page 27). Key investor presentation takeaways from Capital Trust's Q4 FY26 investor presen

Compare:vs Bajaj Finance vs Bajaj Finserv vs Shriram Finance Ltd

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Arthneeti Pro · Annual

Repco Home Finance Ltd and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Repco Home Finance Ltd Q4 FY26 results?

Expecting growth from Karnataka as e-Khata issues are resolving, leading to improved disbursements. Repco Home Finance aims to increase disbursements to approx.

What is Repco Home Finance Ltd share price analysis?

Repco Home Finance Ltd currently shows a neutral. The stock trades at a P/E of 4.6 with a market cap of ₹2,237 Cr. Investors should review the full earnings analysis for detailed insights.

Keep Repco Home Finance Ltd on your radar — track it to get its next earnings analysis in your feed.

This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.

Repco Home Finance Q4 FY26 earnings call: Revenue & Margins

Top 10 Finance companies on management guidance

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Finance

Fundraising & Capital Structure

Order Book & Pipeline

What Repco Home Finance Ltd's management said in earlier quarters

Others in Finance this season

Potential multibaggers in Finance
on management's own guidance

Build your portfolio
from the top-ranked stocks

Repco Home Finance Ltd and 15K+ more earnings calls,
for less than your morning chai

Frequently Asked Questions

Top 10 Finance companies on management guidance

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Finance

Fundraising & Capital Structure

Order Book & Pipeline

Continue your research

What Repco Home Finance Ltd's management said in earlier quarters

Others in Finance this season

Potential multibaggers in Finance on management's own guidance

Build your portfolio from the top-ranked stocks

Repco Home Finance Ltd and 15K+ more earnings calls, for less than your morning chai

Frequently Asked Questions

Potential multibaggers in Finance
on management's own guidance

Build your portfolio
from the top-ranked stocks

Repco Home Finance Ltd and 15K+ more earnings calls,
for less than your morning chai