Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Repco Home Finance Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 340 | 364 | 380 | 387 | 393 | 408 | 423 | 445 | 426 | 440 | 441 | 457 | 454 |
| Interest | 186 | 203 | 207 | 215 | 220 | 233 | 240 | 248 | 246 | 244 | 244 | 249 | 247 |
| Expenses + | 42 | 40 | 40 | 39 | 33 | 43 | 26 | 45 | 28 | 43 | 51 | 49 | 49 |
| Financing Profit | 113 | 122 | 132 | 133 | 140 | 132 | 157 | 152 | 152 | 154 | 146 | 159 | 158 |
| Financing Margin % | 33% | 33% | 35% | 34% | 36% | 32% | 37% | 34% | 36% | 35% | 33% | 35% | 35% |
| Other Income + | 3 | 2 | 1 | 6 | 5 | 8 | 1 | 0 | 9 | 0 | 1 | 0 | 1 |
| Depreciation | 4 | 4 | 4 | 5 | 6 | 4 | 9 | 8 | 7 | 8 | 8 | 10 | 10 |
| Profit before tax | 112 | 120 | 129 | 134 | 139 | 137 | 149 | 144 | 154 | 146 | 139 | 149 | 148 |
| Tax % | 27% | 26% | 26% | 26% | 22% | 23% | 27% | 26% | 25% | 26% | 26% | 27% | 13% |
| Net Profit + | 84 | 95 | 100 | 104 | 114 | 113 | 115 | 113 | 121 | 115 | 110 | 115 | 135 |
| EPS in Rs | 13.42 | 15.26 | 15.98 | 16.63 | 18.18 | 17.99 | 18.40 | 18.09 | 19.29 | 18.40 | 17.53 | 18.45 | 21.61 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Financials of Repco Home Finance Ltd
Annual income statement trend
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 693 | 882 | 1,046 | 1,109 | 1,191 | 1,348 | 1,376 | 1,292 | 1,285 | 1,528 | 1,716 | 1,792 |
| Interest | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 846 | 966 | 984 |
| Expenses + | 72 | 99 | 116 | 151 | 110 | 153 | 182 | 344 | 182 | 152 | 143 | 191 |
| Financing Profit | 189 | 234 | 284 | 309 | 361 | 370 | 386 | 258 | 402 | 530 | 608 | 616 |
| Financing Margin % | 27% | 27% | 27% | 28% | 30% | 27% | 28% | 20% | 31% | 35% | 35% | 34% |
| Other Income + | 0 | 0 | 0 | 1 | 4 | 3 | 17 | 15 | 14 | 13 | 4 | 2 |
| Depreciation | 3 | 4 | 4 | 3 | 5 | 13 | 13 | 13 | 15 | 18 | 29 | 36 |
| Profit before tax | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 525 | 584 | 582 |
| Tax % | 34% | 35% | 35% | 35% | 35% | 22% | 26% | 26% | 26% | 25% | 25% | 23% |
| Net Profit + | 125 | 154 | 188 | 201 | 249 | 298 | 300 | 194 | 316 | 416 | 461 | 475 |
| EPS in Rs | 20.10 | 24.63 | 30.00 | 32.13 | 39.81 | 47.66 | 47.99 | 31.03 | 50.56 | 66.54 | 73.76 | 75.99 |
| Dividend Payout % | 7% | 7% | 7% | 7% | 6% | 5% | 5% | 8% | 5% | 5% | 5% | 0% |
Financials of Repco Home Finance Ltd
Capital structure and asset base
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 62 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 |
| Reserves | 755 | 901 | 1,087 | 1,263 | 1,494 | 1,767 | 2,050 | 2,227 | 2,527 | 2,923 | 3,364 | 3,978 |
| Borrowing | 5,104 | 6,538 | 7,560 | 8,134 | 9,349 | 10,109 | 10,197 | 9,692 | 9,924 | 10,701 | 11,139 | 12,206 |
| Other Liabilities + | 159 | 270 | 345 | 288 | 81 | 99 | 108 | 70 | 83 | 110 | 150 | 198 |
| Total Liabilities | 6,081 | 7,772 | 9,055 | 9,748 | 10,987 | 12,038 | 12,418 | 12,052 | 12,596 | 13,797 | 14,716 | 16,444 |
| Fixed Assets + | 9 | 9 | 9 | 14 | 16 | 37 | 31 | 35 | 40 | 58 | 78 | 100 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 4 | 3 | 0 |
| Investments | 18 | 21 | 28 | 33 | 52 | 65 | 76 | 86 | 105 | 123 | 325 | 272 |
| Other Assets + | 6,054 | 7,742 | 9,018 | 9,702 | 10,919 | 11,935 | 12,311 | 11,930 | 12,448 | 13,612 | 14,310 | 16,072 |
| Total Assets | 6,081 | 7,772 | 9,055 | 9,748 | 10,987 | 12,038 | 12,418 | 12,052 | 12,596 | 13,797 | 14,716 | 16,444 |
Financials of Repco Home Finance Ltd
Operating, investing and financing cash movement
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -1,193 | -1,414 | -1,001 | -557 | -1,015 | 349 | 849 | 691 | -363 | -685 | -614 | -896 |
| Cash from Investing Activity + | -7 | -7 | -6 | 0 | -11 | -3 | 12 | -163 | 160 | -109 | -6 | 59 |
| Cash from Financing Activity + | 1,195 | 1,424 | 1,009 | 562 | 1,058 | -79 | -730 | -531 | 205 | 747 | 408 | 988 |
| Net Cash Flow | -5 | 3 | 2 | 5 | 32 | 267 | 131 | -2 | 2 | -46 | -212 | 151 |
| Free Cash Flow | -1,200 | -1,422 | -1,005 | -564 | -1,022 | 342 | 847 | 680 | -371 | -708 | -637 | -922 |
| CFO/OP | -183% | -172% | -98% | -47% | -84% | 37% | 79% | 84% | -25% | -40% | -31% | -49% |
Financials of Repco Home Finance Ltd
Working capital efficiency and return ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 15% | 17% | 18% | 16% | 17% | 18% | 15% | 9% | 13% | 15% | 14% | 13% |