Repco Home Finance Limited operates as a housing finance company in India.
Solid track record and good value.
Share Price & News
How has Repco Home Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 535322's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 535322 underperformed the Indian Consumer Finance industry which returned -18.5% over the past year.
Return vs Market: 535322 underperformed the Indian Market which returned -8.7% over the past year.
Price Volatility Vs. Market
How volatile is Repco Home Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Repco Home Finance undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 535322 (₹124.75) is trading below our estimate of fair value (₹132.38)
Significantly Below Fair Value: 535322 is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: 535322 is good value based on its PE Ratio (2.6x) compared to the Consumer Finance industry average (11.9x).
PE vs Market: 535322 is good value based on its PE Ratio (2.6x) compared to the Indian market (12.7x).
Price to Earnings Growth Ratio
PEG Ratio: 535322 is good value based on its PEG Ratio (0.2x)
Price to Book Ratio
PB vs Industry: 535322 is overvalued based on its PB Ratio (0.7x) compared to the IN Consumer Finance industry average (0.6x).
How is Repco Home Finance forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 535322's forecast earnings growth (11.5% per year) is above the savings rate (7.2%).
Earnings vs Market: 535322's earnings (11.5% per year) are forecast to grow slower than the Indian market (18.8% per year).
High Growth Earnings: 535322's earnings are forecast to grow, but not significantly.
Revenue vs Market: 535322's revenue (13.7% per year) is forecast to grow faster than the Indian market (7.2% per year).
High Growth Revenue: 535322's revenue (13.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 535322's Return on Equity is forecast to be low in 3 years time (15.2%).
How has Repco Home Finance performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 535322 has high quality earnings.
Growing Profit Margin: 535322's current net profit margins (60.8%) are higher than last year (54.1%).
Past Earnings Growth Analysis
Earnings Trend: 535322's earnings have grown by 18% per year over the past 5 years.
Accelerating Growth: 535322's earnings growth over the past year (23.9%) exceeds its 5-year average (18% per year).
Earnings vs Industry: 535322 earnings growth over the past year (23.9%) exceeded the Consumer Finance industry 4.4%.
Return on Equity
High ROE: 535322's Return on Equity (17.4%) is considered low.
How is Repco Home Finance's financial position?
Financial Position Analysis
Short Term Liabilities: 535322's short term assets (₹118.1B) exceed its short term liabilities (₹1.5B).
Long Term Liabilities: 535322's short term assets (₹118.1B) exceed its long term liabilities (₹100.9B).
Debt to Equity History and Analysis
Debt Level: 535322's debt to equity ratio (588%) is considered high.
Reducing Debt: 535322's debt to equity ratio has reduced from 590.3% to 588% over the past 5 years.
Debt Coverage: 535322's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 535322's interest payments on its debt are well covered by EBIT.
What is Repco Home Finance current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 535322's dividend (2.01%) is higher than the bottom 25% of dividend payers in the Indian market (0.69%).
High Dividend: 535322's dividend (2.01%) is low compared to the top 25% of dividend payers in the Indian market (2.81%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 535322 has been paying a dividend for less than 10 years.
Growing Dividend: 535322's dividend payments have increased, but the company has only paid a dividend for 7 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (5.3%), 535322's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 535322's dividends in 3 years are forecast to be thoroughly covered by earnings (5.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Yashpal Gupta has been Managing Director, Chief Executive Officer and Executive Director at Repco Home Finance Ltd. since January 1, 2019. Mr. Gupta served as Chief Operating Officer of Repco Home Fina ...
CEO Compensation Analysis
Compensation vs Market: Yashpal's total compensation ($USD72.04K) is above average for companies of similar size in the Indian market ($USD49.50K).
Compensation vs Earnings: Insufficient data to compare Yashpal's compensation with company performance.
|CEO, MD & Executive Director||1.5yrs||₹5.38m||no data|
|Chief Financial Officer||no data||₹2.32m||0.0024% ₹184.9k|
|Compliance Officer & Company Secretary||11.58yrs||₹1.90m||0.0056% ₹430.7k|
|Chief Development Officer||no data||no data||no data|
|CTO & Assistant GM||no data||no data||no data|
|Investor Relations Officer||no data||no data||no data|
|Chief Risk Officer||0.33yr||no data||no data|
Experienced Management: 535322's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
|CEO, MD & Executive Director||1.5yrs||₹5.38m||no data|
|Non-Executive & Independent Director||2.83yrs||₹980.00k||no data|
|Non-Executive & Independent Director||15yrs||₹1.05m||no data|
|Non-Executive & Independent Director||8.25yrs||₹980.00k||no data|
|Independent Chairman of the Board||no data||₹525.00k||0.00042% ₹32.4k|
|Non-Executive & Non-Independent Director||5.42yrs||₹225.00k||0.00084% ₹64.7k|
|Non-Executive & Non-Independent Director||3.67yrs||no data||0.000020% ₹1.5k|
|Non Executive & Non-Independent Director||2.67yrs||no data||no data|
|Independent Director||1.25yrs||no data||no data|
Experienced Board: 535322's board of directors are considered experienced (3.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Repco Home Finance Limited's company bio, employee growth, exchange listings and data sources
- Name: Repco Home Finance Limited
- Ticker: 535322
- Exchange: BSE
- Founded: 2000
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹7.704b
- Shares outstanding: 62.56m
- Website: https://www.repcohome.com
Number of Employees
- Repco Home Finance Limited
- Alexander Square
- Third Floor
- Tamil Nadu
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|535322||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Apr 2013|
|REPCOHOME||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Apr 2013|
Repco Home Finance Limited operates as a housing finance company in India. It provides housing loans for the construction or purchase of homes; loans for the repairs, renovation, and/or extension/improvement of residential properties; loans for the purchase of plot for construction of a house; loans to non-resident Indians for the construction/purchase of house in India; loans against the mortgage of immovable property; and loans for the purchase and/or construction of non-residential and commercial property. The company also offers loans for construction/purchase of integrated house buildings comprising commercial spaces, such as shops/office spaces combined with residential building; home loans to salaried individuals aged above 50 years; and loans for construction on land owned by borrower’s parents; and loans for the construction and purchase of house by weaker section in rural areas. It operates 144 branches and 26 satellite centers located in Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, and the Union Territory of Puducherry. The company was founded in 2000 and is based in Chennai, India.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/07/06 13:03|
|End of Day Share Price||2020/07/06 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.