BSE: 535322 | NSE: REPCOHOME | Finance - Housing | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that Repco Home Finance Ltd is a average quality company.
The key valuation ratios of Repco Home Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Repco Home Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 692 | 881 | 1,044 | 1,107 | 1,189 | 1,345 | 1,373 | 1,290 | 1,284 | 1,525 | 1,568 | |
| YoY Gr. Rt. % | - | 27.3% | 18.6% | 6% | 7.4% | 13.1% | 2.1% | -6.1% | -0.5% | 18.8% | - | |
| Adj EPS (₹ ) | 19.7 | 24 | 29.1 | 32.1 | 37.5 | 44.8 | 46 | 30.6 | 47.3 | 63.1 | 68 | |
| YoY Gr. Rt. % | - | 21.6% | 21.4% | 10.3% | 16.7% | 19.5% | 2.6% | -33.4% | 54.6% | 33.3% | - | |
| BVPS (₹ ) | 128.7 | 152.4 | 181.8 | 209.2 | 244.2 | 285.6 | 329.2 | 357.4 | 402.2 | 462.6 | 494.4 | |
| YoY Gr. Rt. % | - | 18.4% | 19.3% | 15.1% | 16.7% | 17% | 15.2% | 8.6% | 12.6% | 15% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.3 | 2.2 | 2.2 | 2.1 | 2.3 | 2.4 | 2.4 | 1.6 | 2.4 | 3 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 9.2% | 5.1% | 3.5% | 18.8% | ||||||||
| Adj EPS | 13.8% | 11% | 11.1% | 33.3% | ||||||||
| BVPS | 15.3% | 13.6% | 12% | 15% | ||||||||
| Share Price | -2.2% | 10.2% | 16% | 7.7% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0.5 | 0.5 | 1.4 | 1.3 | 1.4 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 20.3 | 20.7 | 20.8 | 23 | 24.1 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 17.8 | 17 | 17.5 | 18.2 | 19.7 | 20.8 | 20.9 | 14.9 | 23.1 | 25.9 | 27.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 16 | 17.1 | 17.4 | 16.4 | 16.6 | 16.9 | 15 | 8.9 | 12.5 | 14.6 | 13.8 | |
Return on Equity has increased versus last 3 years average to 14.20%
Total Income has increased 3.54 CAGR in last 3 years
Net Profit has increased 11.13 CAGR in last 3 years
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 68 | 71.2 |
| TTM Sales (₹ Cr.) | 1,568 | 1,568 |
| BVPS (₹.) ⓘ | 494.4 | 510.6 |
| Reserves (₹ Cr.) ⓘ | 3,030 | 3,132 |
| P/BV ⓘ | 0.93 | 0.90 |
| PE ⓘ | 6.75 | 6.45 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 365.75 / 594.70 |
| All Time Low / High (₹) | 90.75 / 923.00 |
| Market Cap (₹ Cr.) | 2,874 |
| Equity (₹ Cr.) | 62.6 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 19 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 693 | 882 | 1,046 | 1,110 | 1,195 | 1,351 | 1,392 | 1,307 | 1,299 | 1,542 |
| Interest Income | 692 | 881 | 1,044 | 1,107 | 1,189 | 1,345 | 1,373 | 1,290 | 1,284 | 1,525 |
| Other Income ⓘ | 1 | 1 | 2 | 3 | 6 | 6 | 19 | 16 | 15 | 17 |
| Expenditure ⓘ | 507 | 652 | 766 | 803 | 835 | 991 | 1,002 | 1,047 | 898 | 1,017 |
| Interest Expense ⓘ | 431 | 548 | 646 | 649 | 720 | 825 | 807 | 690 | 701 | 846 |
| Operating Expenses ⓘ | 54 | 63 | 66 | 78 | 96 | 104 | 106 | 115 | 137 | 162 |
| Provisions | 21 | 40 | 53 | 76 | 19 | 62 | 89 | 242 | 60 | 10 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 186 | 230 | 280 | 307 | 360 | 360 | 390 | 260 | 401 | 525 |
| Taxes ⓘ | 63 | 80 | 98 | 106 | 125 | 80 | 102 | 68 | 105 | 130 |
| Profit After Tax | 123 | 150 | 182 | 201 | 235 | 280 | 288 | 192 | 296 | 395 |
| Adjusted EPS (₹) | 19.7 | 24.0 | 29.1 | 32.1 | 37.5 | 44.8 | 46.0 | 30.6 | 47.3 | 63.1 |
| Dividend Payout Ratio (%) | 8% | 8% | 7% | 7% | 7% | 6% | 5% | 8% | 6% | 5% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 812 | 955 | 1,137 | 1,308 | 1,527 | 1,787 | 2,059 | 2,236 | 2,516 | 2,894 |
| Share Capital ⓘ | 62 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 | 63 |
| Reserves ⓘ | 750 | 892 | 1,075 | 1,246 | 1,465 | 1,724 | 1,997 | 2,173 | 2,454 | 2,831 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 3,990 | 5,178 | 5,761 | 6,752 | 8,602 | 9,085 | 9,170 | 8,626 | 8,868 | 9,692 |
| Current Liabilities | 1,273 | 1,630 | 2,145 | 1,671 | 827 | 1,123 | 1,136 | 1,136 | 1,139 | 1,120 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 2 |
| Short term borrowings | 485 | 497 | 922 | 1,423 | 799 | 1,060 | 1,068 | 1,085 | 1,091 | 1,069 |
| Other Liabilities | -485 | -497 | -922 | -1,423 | -799 | -1,060 | -1,069 | -1,087 | -1,092 | -1,071 |
| Total Liabilities ⓘ | 6,076 | 7,763 | 9,043 | 9,731 | 10,957 | 11,995 | 12,365 | 11,997 | 12,523 | 13,705 |
Assets | ||||||||||
| Non Current Asset | 5,649 | 7,225 | 8,406 | 9,685 | 10,888 | 11,658 | 11,897 | 11,378 | 12,052 | 13,170 |
| Loan Asset | 5,620 | 7,192 | 8,369 | 9,628 | 10,814 | 11,561 | 11,806 | 11,260 | 11,932 | 12,998 |
| Other Non Current Asset ⓘ | 28 | 33 | 37 | 57 | 75 | 97 | 91 | 118 | 119 | 172 |
| Current Asset | 427 | 539 | 637 | 46 | 69 | 336 | 468 | 619 | 472 | 535 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 427 | 539 | 637 | 46 | 69 | 336 | 468 | 619 | 472 | 535 |
| Total Assets ⓘ | 6,076 | 7,763 | 9,043 | 9,731 | 10,957 | 11,995 | 12,365 | 11,997 | 12,523 | 13,705 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -1,193 | -1,414 | -1,001 | -557 | -1,015 | 349 | 849 | 691 | -363 | -685 |
| Cash Flow From Investing Activity ⓘ | -7 | -7 | -6 | 0 | -11 | -3 | 12 | -163 | 160 | -109 |
| Cash Flow From Financing Activity ⓘ | 1,195 | 1,424 | 1,009 | 562 | 1,058 | -79 | -730 | -531 | 205 | 747 |
| Net Cash Flow ⓘ | -5 | 3 | 2 | 5 | 32 | 267 | 131 | -2 | 2 | -46 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 20 | 24 | 29 | 32 | 38 | 45 | 46 | 31 | 47 | 63 |
| DPS (₹) | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 3 |
| BVPS (₹) | 129 | 152 | 182 | 209 | 244 | 286 | 329 | 357 | 402 | 463 |
Performance Ratios | ||||||||||
| ROA (%) | 2.3 | 2.2 | 2.2 | 2.1 | 2.3 | 2.4 | 2.4 | 1.6 | 2.4 | 3.0 |
| ROE (%) | 16.0 | 17.1 | 17.4 | 16.4 | 16.6 | 16.9 | 15.0 | 8.9 | 12.5 | 14.6 |
| ROCE (%) | 11.7 | 11.6 | 11.4 | 10.5 | 10.6 | 10.4 | 9.9 | 7.9 | 9.0 | 10.5 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 5.0 | 3.8 | 3.9 | 2.6 | 1.9 | 0.4 | 1.0 | 0.5 | 0.5 | 0.9 |
Repco Home Finance Ltd (RHFL) is a professionally managed housing finance company, incorporated in April 2000. It is registered as a housing finance company with the National Housing Bank (NHB). The company is operating through many branches and several satellite centres in Tamil Nadu, Andhra Pradesh, Jharkhand, Kerala, Karnataka, Maharashtra, Madhya Pradesh, Gujarat, Odisha, West Bengal and Puducherry. The mission of RHFL has been to translate into reality the aspirations of people to own a house by covering the market -existing and potential- comprehensively through institutional credit support customized to suit individual needs in a transparent and ethical way.
The salient and unique features of RHFL are innovative loan products, direct customer contact and customer ownership, focus on quality customer servicing, transparency and speed of operations, focus on relatively under-penetrated markets and balanced portfolio mix, robust risk management systems and processes, low cost operations, well recognized brand in south India with an established track record, stable and experienced senior management team. The Company’s products have been developed to suit the needs of different customers.
Business area of the company
The company provides a variety of tailor-made home loan products to individual borrowers in both salaried and non-salaried (self-employed professional and self-employed non-professional) classes to suit various requirements.
Products
‘Repco - Rural’ Home Loans: Loans to Individuals under ‘Weaker Section’ Category in Rural areas for Purchase/Construction/Repairs/renovation/upgradation of house
Dream Home Loan: Housing loans for the purpose of construction or purchase of a residential property.
Home makeover Loan: Loans for the purpose of repairs, renovation, and / or extension/improvement of a residential property.
Plot Loans: Loans for outright purchase of plots for construction of a house thereon.
NRI Housing Loans: Loans to Non-Resident Indians for construction/ purchase of house in India.
Prosperity Loan: Loans against mortgage of immovable property for such purposes as may be desired by the borrower.
New Horizon Loan: Loans for purchase and / or construction of non-residential and commercial property like Marriage Halls, Shopping complex, Office buildings etc.
Commercial Real Estate (CRE) Loan: Loans for construction/purchase of integrated house buildings comprising of some commercial spaces like shops/office spaces combined with residential building with substantial floor space allotted for residential premises.
Fifty Plus Loan: Home loans exclusively to salaried class borrowers who are aged above 50 years in which their loan repayments and disbursements are structured around their retirement / pension income.
Super Loan: Loans for construction (including extensions and additions to existing property) on the land owned by borrower’s parents.
Milestones
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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