REPCOHOME
UNDERVALUEDRepco Home Finance Limited
Finance · NSE
↑ 48.1% vs fair value
52W Low
₹315
+18.5% from low
52W High
₹464
-19.6% from high
Valuation Gauge
Current Price
₹374
Fair Value
₹719
Fair Value Analysis
₹719
Based on balance sheet strength analysis and book value multiple for Finance sector companies | Sector-cheap: P/E at 15th percentile vs sector peers.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 11.8% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 3.2x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 5.3x trades at a 92% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-637 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 33.5% is in line with the Finance sector average of 23.9%
Dividend
Dividend yield of 2.3% provides strong shareholder returns (benchmark: 1.5%)
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-27.3%
Free cash flow / market cap
Revenue Growth (YoY)
-3.7%
Year-on-year revenue change
Profit Growth (YoY)
+2.5%
Year-on-year PAT change
Operating Cash Flow
₹-614 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹68.2
P/E Ratio
5.4x
P/B Ratio
0.6x
ROE
11.8%
ROCE
4.8%
Debt / Equity
3.18x
Beta
0.41
Div Yield
2.3%
FCF (Cr)
₹-637 Cr
Revenue (Cr)
₹1,670 Cr
EPS Growth 5Y
33.5%
Mkt Cap (Cr)
₹2,270 Cr
52W High
₹464.5
52W Low
₹315.2
Book Value/Share
₹579.3
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | — | — | — | ₹461 Cr | ₹73.67 |
| 2025-03-31 | — | — | — | ₹461 Cr | ₹73.76 |
| 2024-03-31 | — | — | — | ₹416 Cr | ₹66.54 |
| 2023-03-31 | — | — | — | ₹316 Cr | ₹50.56 |
| 2022-03-31 | — | — | — | ₹194 Cr | ₹31.03 |
| 2021-03-31 | — | — | — | ₹300 Cr | ₹47.99 |
| 2020-03-31 | — | — | — | ₹298 Cr | ₹47.66 |
| 2019-03-31 | — | — | — | ₹249 Cr | ₹39.81 |
| 2018-03-31 | — | — | — | ₹201 Cr | ₹32.13 |
| 2017-03-31 | — | — | — | ₹188 Cr | ₹30.00 |
| 2016-03-31 | — | — | — | ₹154 Cr | ₹24.63 |
| 2015-03-31 | — | — | — | ₹125 Cr | ₹20.10 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
N. B. I. Industrial Finance Company Limited | ₹1,720 | ₹8,110.3 | +78.8% | 32.3 | 0.4% | UNDERVALUED |
Dhunseri Investments Limited | ₹757 | ₹3,224.5 | +76.5% | 20.6 | 0.8% | UNDERVALUED |
CP Capital Limited | ₹88.1 | ₹335.3 | +73.7% | 3.7 | 6.3% | UNDERVALUED |
GIC Housing Finance Limited | ₹143.2 | ₹426.4 | +66.4% | 5.6 | 8.8% | UNDERVALUED |
Muthoot Capital Services Limited | ₹191.9 | ₹447.2 | +57.1% | 24.8 | 7.6% | UNDERVALUED |
Sammaan Capital Limited | ₹147.1 | ₹284.1 | +48.2% | 8 | 5.7% | UNDERVALUED |
Repco Home Finance Limited | ₹373.5 | ₹719.1 | +48.1% | 4.9 | 11.8% | UNDERVALUED |
LIC Housing Finance Limited | ₹516.5 | ₹928.6 | +44.4% | 5.2 | 13.0% | UNDERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
Company Documents
Annual reports, concall transcripts & regulatory filings
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