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Repco Home Finance Q1 FY27 Share Price & Earnings Call Analysis

₹313.40+2.54% today
Market cap
₹1,962 Cr
P/E
4.07
ROE
12.40%
PEG
0.28
Price to sales
1.07
Debt to equity
3.02
52W high / low
₹450 / ₹304
Sales growth (5Y)
5.43%
EBITDA margin
88.61%
Net profit margin
26.51%
Promoter holding
37.13%
Sales (last year)
₹1,819 Cr

Established in April 2000, Repco Home Finance Ltd. is a registered housing finance company. It is a subsidiary of the Repatriates Cooperative Finance and Development Bank Limited(Repco Bank).[1][2]

Guidance scorecard · Q1 FY27 call

What Repco Home Finance Ltd's management guided
and where it ranks in Finance

Revenue10–20%MarginsDown 0–2%CapexWhat management saidFundraisingWhat management saidOrder bookWhat management said

RevenueQ1 FY27 call

10–20%
  • Target disbursement for FY2027 is Rs. 5,000 Crores, signaling a growth push.
  • Q1 disbursement was flat year-on-year due to branch/team disruptions from annual promotions and transfers, but June onward shows strong recovery and growth.
  • Current quarter target is Rs. 1,200 to 1,250 Crores in disbursements.
  • Post-IT and structural revamps, including verticalization and new sourcing channels, the company is entering an aggressive growth phase.
  • Focus is on expanding beyond Tamil Nadu into other southern states (Andhra Pradesh, Telangana, Karnataka) and western states (Maharashtra, Rajasthan, Gujarat, MP).
  • The company aims for 13%-14% AUM growth in FY2027.
  • Competitive pressures acknowledged, but 25 years of experience helps them thrive.

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

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Down 0–2%

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

Full Q1 FY27 analysis

CapexQ1 FY27 call

  • The company emphasized investments in IT transformation completed in two phases (mobile apps, API integrations) aimed at improving turnaround time and operational efficiency.
  • Focus is on branch network expansion, with plans to open around 12 to 13 new branches mainly in Andhra Pradesh, Telangana, Karnataka, and western states.
  • Strategic emphasis is on business growth through disbursement expansion, asset quality maintenance, and geographic diversification.

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

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

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

Full Q1 FY27 analysis

Order bookQ1 FY27 call

  • Focus is primarily on loan disbursements, AUM growth, and operational updates.
  • Key guidance: Target disbursement for FY2027 is Rs. 5,000 Crores.
  • Q1 disbursement was flat year-on-year due to seasonal factors (transfers/promotions impacting branch operations).
  • June, July, and August disbursements have picked up momentum, with confidence to achieve FY2027 targets.

2 more points from Repco Home Finance Ltd's call on the order book

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Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Repco Home Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Repco Home Finance Ltd announcements

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Financials of Repco Home Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Repco Home Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +340364380387393408423445426440441457454
Interest186203207215220233240248246244244249247
Expenses +42404039334326452843514949
Financing Profit113122132133140132157152152154146159158
Financing Margin %33%33%35%34%36%32%37%34%36%35%33%35%35%
Other Income +3216581090101
Depreciation444564987881010
Profit before tax112120129134139137149144154146139149148
Tax %27%26%26%26%22%23%27%26%25%26%26%27%13%
Net Profit +8495100104114113115113121115110115135
EPS in Rs13.4215.2615.9816.6318.1817.9918.4018.0919.2918.4017.5318.4521.61
Gross NPA %
Net NPA %

Financials of Repco Home Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +6938821,0461,1091,1911,3481,3761,2921,2851,5281,7161,792
Interest431548646649720825807690701846966984
Expenses +7299116151110153182344182152143191
Financing Profit189234284309361370386258402530608616
Financing Margin %27%27%27%28%30%27%28%20%31%35%35%34%
Other Income +0001431715141342
Depreciation3443513131315182936
Profit before tax186230280307360360390260401525584582
Tax %34%35%35%35%35%22%26%26%26%25%25%23%
Net Profit +125154188201249298300194316416461475
EPS in Rs20.1024.6330.0032.1339.8147.6647.9931.0350.5666.5473.7675.99
Dividend Payout %7%7%7%7%6%5%5%8%5%5%5%0%

Financials of Repco Home Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital626363636363636363636363
Reserves7559011,0871,2631,4941,7672,0502,2272,5272,9233,3643,978
Borrowing5,1046,5387,5608,1349,34910,10910,1979,6929,92410,70111,13912,206
Other Liabilities +15927034528881991087083110150198
Total Liabilities6,0817,7729,0559,74810,98712,03812,41812,05212,59613,79714,71616,444
Fixed Assets +9991416373135405878100
CWIP000000004430
Investments1821283352657686105123325272
Other Assets +6,0547,7429,0189,70210,91911,93512,31111,93012,44813,61214,31016,072
Total Assets6,0817,7729,0559,74810,98712,03812,41812,05212,59613,79714,71616,444

Financials of Repco Home Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-1,193-1,414-1,001-557-1,015349849691-363-685-614-896
Cash from Investing Activity +-7-7-60-11-312-163160-109-659
Cash from Financing Activity +1,1951,4241,0095621,058-79-730-531205747408988
Net Cash Flow-532532267131-22-46-212151
Free Cash Flow-1,200-1,422-1,005-564-1,022342847680-371-708-637-922
CFO/OP-183%-172%-98%-47%-84%37%79%84%-25%-40%-31%-49%

Financials of Repco Home Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %15%17%18%16%17%18%15%9%13%15%14%13%

Guidance history

How Repco Home Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →10–20%Down 0–2%———
Q4 FY26 call →10–20%Flat——Flat
Q3 FY26 call →10–20%FlatPlanned—Flat
Q2 FY26 call →10–20%FlatPlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

11out of 100

Momentum score · price trend

11 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−24.8%30%
Last 6 months−23.1%14%
Last 3 months−19.0%19%

The price is 64.9% below its all-time high of ₹892.65 (16 Jun 2017). Stocks more than 20% below their peak have their score halved, so 21 became 11.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Repco Home Finance Ltd: 0.4 × 30 + 0.4 × 14 + 0.2 × 19 = 21, halved to 11 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

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

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