BSE:535322

Stock Analysis Report

Executive Summary

Repco Home Finance Limited operates as a housing finance company in India.

Snowflake

Fundamentals

Fair value second-rate dividend payer.

Risks

  • Repco Home Finance has significant price volatility in the past 3 months.

Similar Companies

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


Market Performance


7 Day Return

0.03%

BSE:535322

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

-47.1%

BSE:535322

0.5%

IN Consumer Finance

-12.1%

IN Market

535322 underperformed the Consumer Finance industry which returned 0.2% over the past year.

535322 underperformed the Market in India which returned -12.1% over the past year.


Share holder returns

535322IndustryMarket
7 Day0.03%-1.8%-0.7%
30 Day-13.4%-4.1%-4.6%
90 Day-23.9%-1.2%-4.3%
1 Year-46.9%-47.1%1.1%0.5%-10.3%-12.1%
3 Year-62.2%-62.6%64.9%61.4%18.9%12.8%
5 Year-27.4%-28.4%246.0%229.7%37.6%24.7%

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

Valuation

Is Repco Home Finance undervalued based on future cash flows and its price relative to the stock market?

7.75x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Repco Home Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Repco Home Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Repco Home Finance is good value based on earnings compared to the IN Consumer Finance industry average.

Repco Home Finance is good value based on earnings compared to the India market.


Price Based on Expected Growth

Repco Home Finance is good value based on expected growth next year.


Price Based on Value of Assets

Repco Home Finance is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Repco Home Finance expected to perform in the next 1 to 3 years based on estimates from 9 analysts?

12.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Repco Home Finance's revenue is expected to grow by 12.8% yearly, however this is not considered high growth (20% yearly).

Repco Home Finance's earnings are expected to grow by 12.8% yearly, however this is not considered high growth (20% yearly).

Repco Home Finance's revenue growth is expected to exceed the India market average.

Repco Home Finance's earnings growth is positive but not above the India market average.

Repco Home Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Repco Home Finance is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Repco Home Finance performed over the past 5 years?

18.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Repco Home Finance's year on year earnings growth rate has been positive over the past 5 years.

Repco Home Finance's 1-year earnings growth is less than its 5-year average (12.5% vs 18.3%)

Repco Home Finance's earnings growth has not exceeded the IN Consumer Finance industry average in the past year (12.5% vs 12.9%).


Return on Equity

Repco Home Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Repco Home Finance used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Repco Home Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Repco Home Finance's financial position?


Financial Position Analysis

Repco Home Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Repco Home Finance's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Repco Home Finance's level of debt (595.8%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (531.2% vs 595.8% today).

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on Repco Home Finance's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 1.2x debt.


Next Steps

Dividend

What is Repco Home Finance's current dividend yield, its reliability and sustainability?

0.98%

Expected Dividend Yield


Upcoming Dividend Payment

Purchase Repco Home Finance before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Repco Home Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.63%).

Repco Home Finance's dividend is below the markets top 25% of dividend payers in India (2.52%).

Whilst dividend payments have been stable, Repco Home Finance has been paying a dividend for less than 10 years.

Dividend payments have increased, but Repco Home Finance only paid a dividend in the past 6 years.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (16.1x coverage).


Future Payout to Shareholders

Dividends after 3 years are expected to be thoroughly covered by earnings (18.6x coverage).


Next Steps

Management

What is the CEO of Repco Home Finance's salary, the management and board of directors tenure and is there insider trading?

2.3yrs

Average board tenure


CEO

Yashpal Gupta

0.6yrs

Tenure

Mr. Yashpal Gupta has been Managing Director, Chief Executive Officer and Additional Director at Repco Home Finance Ltd. since January 1, 2019. Mr. Gupta served as Chief Operating Officer of Repco Home Fin ...


Board Age and Tenure

2.3yrs

Average Tenure

76.5yo

Average Age

The average tenure for the Repco Home Finance board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

Sell₹12,029,43501 Sep 18
R. Varadarajan
EntityIndividual
Shares21,878
Max Price₹550.36
Sell₹1,835,11425 Aug 18
R. Varadarajan
EntityIndividual
Shares3,158
Max Price₹581.10

Ownership Breakdown


Management Team

  • K. Prabhu (38yo)

    Compliance Officer & Company Secretary

    • Tenure: 10.7yrs
    • Compensation: 1.89m
  • Poonam Sen (46yo)

    General Manager

    • Compensation: 4.75m
  • T. Karunakaran (50yo)

    Chief Financial Officer

    • Compensation: 2.30m
  • Yashpal Gupta

    CEO, MD & Additional Director

    • Tenure: 0.6yrs
  • Arun Mishra

    Chief Development Officer

  • Subramanian Balaganapathy

    Assistant General Manager


Board Members

  • K. Sridhar

    Additional Non-Executive & Independent Director

    • Tenure: 1.9yrs
    • Compensation: 325.00k
  • R. Isabella

    Additional Non-Executive & Non-Independent Director

    • Tenure: 2.8yrs
  • Ganapathy Sundaravadivel (78yo)

    Non-Executive & Independent Director

    • Tenure: 7.3yrs
    • Compensation: 625.00k
  • L. Ganesan

    Non-Executive & Non-Independent Director

    • Tenure: 4.5yrs
    • Compensation: 150.00k
  • Taruvai Subbayya Murthy (79yo)

    Chairman of the Board

    • Compensation: 280.00k
  • Dinesh Oliver

    Additional Non-Executive & Non-Independent Director

    • Tenure: 1.8yrs
  • Yashpal Gupta

    CEO, MD & Additional Director

    • Tenure: 0.6yrs
  • V. Nadanasabapathy (75yo)

    Non-Executive & Independent Director

    • Tenure: 14.1yrs
    • Compensation: 650.00k
  • Sumithra Ravichandran (59yo)

    Independent Director

    • Tenure: 0.3yrs

Company Information

Repco Home Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Repco Home Finance Limited
  • Ticker: 535322
  • Exchange: BSE
  • Founded: 2000
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹19.507b
  • Shares outstanding: 62.56m
  • Website: Click here

Number of Employees


Location

  • Repco Home Finance Limited
  • Alexander Square
  • Third Floor
  • Chennai
  • Tamil Nadu
  • 600032
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
535322BSE (Mumbai Stock Exchange)YesEquity SharesININRApr 2013
REPCOHOMENSEI (National Stock Exchange of India)YesEquity SharesININRApr 2013

Biography

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/improveme ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:59
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


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.