BSE:535322

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Executive Summary

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


Snowflake Analysis

Solid track record and good value.


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

Stable Share Price: 535322's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-3.5%

535322

1.5%

IN Consumer Finance

1.3%

IN Market


1 Year Return

-66.7%

535322

-18.5%

IN Consumer Finance

-8.7%

IN Market

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.


Shareholder returns

535322IndustryMarket
7 Day-3.5%1.5%1.3%
30 Day24.6%18.3%5.1%
90 Day13.0%33.9%30.2%
1 Year-66.4%-66.7%-17.9%-18.5%-7.0%-8.7%
3 Year-84.2%-84.5%34.6%31.8%1.7%-3.0%
5 Year-81.4%-81.8%143.7%133.8%27.6%17.9%

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 compared to its fair value and its price relative to the market?

5.8%

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).


Next Steps

Future Growth

How is Repco Home Finance forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

11.5%

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%).


Next Steps

Past Performance

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

18.0%

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.


Next Steps

Financial Health

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.


Balance Sheet


Next Steps

Dividend

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

2.01%

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).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.5yrs

Average management tenure


CEO

Yashpal Gupta

1.5yrs

Tenure

₹5,377,132

Compensation

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.


Leadership Team

NamePositionTenureCompensationOwnership
Yashpal Gupta
CEO, MD & Executive Director1.5yrs₹5.38mno data
T. Karunakaran
Chief Financial Officerno data₹2.32m0.0024% 184.9k
K. Prabhu
Compliance Officer & Company Secretary11.58yrs₹1.90m0.0056% 430.7k
Arun Mishra
Chief Development Officerno datano datano data
K. Pandiarajan
CTO & Assistant GMno datano datano data
Bala S
Investor Relations Officerno datano datano data
Shanthi Srikanth
Chief Risk Officer0.33yrno datano data

1.5yrs

Average Tenure

51yo

Average Age

Experienced Management: 535322's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Yashpal Gupta
CEO, MD & Executive Director1.5yrs₹5.38mno data
K. Sridhar
Non-Executive & Independent Director2.83yrs₹980.00kno data
V. Nadanasabapathy
Non-Executive & Independent Director15yrs₹1.05mno data
Ganapathy Sundaravadivel
Non-Executive & Independent Director8.25yrs₹980.00kno data
Taruvai Subbayya Murthy
Independent Chairman of the Boardno data₹525.00k0.00042% 32.4k
L. Ganesan
Non-Executive & Non-Independent Director5.42yrs₹225.00k0.00084% 64.7k
R. Isabella
Non-Executive & Non-Independent Director3.67yrsno data0.000020% 1.5k
Dinesh Oliver
Non Executive & Non-Independent Director2.67yrsno datano data
Sumithra Ravichandran
Independent Director1.25yrsno datano data

3.3yrs

Average Tenure

77.5yo

Average Age

Experienced Board: 535322's board of directors are considered experienced (3.3 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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: ₹7.704b
  • Shares outstanding: 62.56m
  • Website: https://www.repcohome.com

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/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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/06 13:03
End of Day Share Price2020/07/06 00:00
Earnings2019/12/31
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.