Repco Home Finance Limited

NSEI:REPCOHOME Stock Report

Market Cap: ₹28.7b

Repco Home Finance Valuation

Is REPCOHOME undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of REPCOHOME when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: REPCOHOME (₹459.3) is trading above our estimate of fair value (₹399.07)

Significantly Below Fair Value: REPCOHOME is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for REPCOHOME?

Key metric: As REPCOHOME is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for REPCOHOME. This is calculated by dividing REPCOHOME's market cap by their current earnings.
What is REPCOHOME's PE Ratio?
PE Ratio6.4x
Earnings₹4.49b
Market Cap₹28.73b

Price to Earnings Ratio vs Peers

How does REPCOHOME's PE Ratio compare to its peers?

The above table shows the PE ratio for REPCOHOME vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17x
SPANDANA Spandana Sphoorty Financial
27.3x84.8%₹26.1b
EQUITAS Equitas Holdings
16.2x44.7%₹41.1b
FEDFINA Fedbank Financial Services
13.8x33.8%₹36.8b
NORTHARC Northern Arc Capital
10.8xn/a₹38.3b
REPCOHOME Repco Home Finance
6.4x4.4%₹28.7b

Price-To-Earnings vs Peers: REPCOHOME is good value based on its Price-To-Earnings Ratio (6.4x) compared to the peer average (17.3x).

Price to Earnings Ratio vs Industry

How does REPCOHOME's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.6xn/aUS$24.19m
No more companies available in this PE range
REPCOHOME 6.4xIndustry Avg. 21.7xNo. of Companies9PE01224364860+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: REPCOHOME is good value based on its Price-To-Earnings Ratio (6.4x) compared to the Indian Consumer Finance industry average (21.7x).

Price to Earnings Ratio vs Fair Ratio

What is REPCOHOME's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

REPCOHOME PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6.4x
Fair PE Ratio14.2x

Price-To-Earnings vs Fair Ratio: REPCOHOME is good value based on its Price-To-Earnings Ratio (6.4x) compared to the estimated Fair Price-To-Earnings Ratio (14.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst REPCOHOME forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹459.30
₹544.29
+18.5%
9.4%₹600.00₹450.00n/a7
Nov ’25₹478.35
₹536.43
+12.1%
11.3%₹595.00₹400.00n/a7
Oct ’25₹534.95
₹532.14
-0.5%
10.9%₹595.00₹400.00n/a7
Sep ’25₹523.10
₹532.14
+1.7%
10.9%₹595.00₹400.00n/a7
Aug ’25₹542.55
₹526.43
-3.0%
11.8%₹595.00₹400.00n/a7
Jul ’25₹559.05
₹518.57
-7.2%
10.8%₹595.00₹400.00n/a7
Jun ’25₹469.90
₹518.57
+10.4%
10.8%₹595.00₹400.00n/a7
May ’25₹520.20
₹500.00
-3.9%
5.6%₹535.00₹450.00n/a7
Apr ’25₹443.60
₹501.57
+13.1%
5.2%₹535.00₹450.00n/a7
Mar ’25₹434.65
₹501.57
+15.4%
5.2%₹535.00₹450.00n/a7
Feb ’25₹452.95
₹470.83
+3.9%
8.8%₹515.00₹400.00n/a6
Jan ’25₹408.05
₹459.17
+12.5%
7.6%₹515.00₹400.00n/a6
Dec ’24₹402.95
₹445.00
+10.4%
10.6%₹515.00₹360.00n/a7
Nov ’24₹396.25
₹385.00
-2.8%
12.2%₹450.00₹310.00₹478.357
Oct ’24₹384.40
₹385.00
+0.2%
12.2%₹450.00₹310.00₹534.957
Sep ’24₹387.05
₹385.00
-0.5%
12.2%₹450.00₹310.00₹523.107
Aug ’24₹337.10
₹319.25
-5.3%
16.7%₹400.00₹230.00₹542.558
Jul ’24₹312.15
₹312.38
+0.07%
18.4%₹400.00₹230.00₹559.058
Jun ’24₹266.50
₹312.38
+17.2%
18.4%₹400.00₹230.00₹469.908
May ’24₹190.25
₹297.88
+56.6%
22.4%₹400.00₹205.00₹520.208
Apr ’24₹179.75
₹324.13
+80.3%
25.9%₹470.00₹228.00₹443.608
Mar ’24₹194.45
₹324.13
+66.7%
25.9%₹470.00₹228.00₹434.658
Feb ’24₹226.45
₹303.63
+34.1%
30.8%₹470.00₹160.00₹452.958
Jan ’24₹230.50
₹304.88
+32.3%
30.5%₹470.00₹160.00₹408.058
Dec ’23₹247.85
₹304.88
+23.0%
30.5%₹470.00₹160.00₹402.958
Nov ’23₹212.75
₹269.38
+26.6%
34.3%₹470.00₹160.00₹396.258

Analyst Forecast: Target price is less than 20% higher than the current share price.

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