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REPC

Repco Home FinanceNSEI:REPCOHOME Stock Report

Last Price

₹258.35

Market Cap

₹16.2b

7D

-3.6%

1Y

-1.2%

Updated

21 Jan, 2022

Data

Company Financials +
REPCOHOME fundamental analysis
Snowflake Score
Valuation4/6
Future Growth4/6
Past Performance2/6
Financial Health3/6
Dividends2/6

REPCOHOME Stock Overview

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

Repco Home Finance Competitors

Bajaj Finance

BSE:500034

₹4.4t

Cholamandalam Investment and Finance

BSE:511243

₹536.9b

Mahindra & Mahindra Financial Services

NSEI:M&MFIN

₹191.3b

Shriram City Union Finance

BSE:532498

₹115.3b

Price History & Performance

Summary of all time highs, changes and price drops for Repco Home Finance
Historical stock prices
Current Share Price₹258.35
52 Week High₹430.00
52 Week Low₹237.00
Beta1.46
1 Month Change-2.82%
3 Month Change-12.23%
1 Year Change-1.17%
3 Year Change-36.79%
5 Year Change-60.92%
Change since IPO59.67%

Recent News & Updates

Sep 03
Repco Home Finance's (NSE:REPCOHOME) Dividend Will Be ₹2.50

Repco Home Finance's (NSE:REPCOHOME) Dividend Will Be ₹2.50

Repco Home Finance Limited ( NSE:REPCOHOME ) will pay a dividend of ₹2.50 on the 23rd of October. The dividend yield...

Shareholder Returns

REPCOHOMEIN Consumer FinanceIN Market
7D-3.6%-2.2%-2.0%
1Y-1.2%29.9%32.7%

Return vs Industry: REPCOHOME underperformed the Indian Consumer Finance industry which returned 29.9% over the past year.

Return vs Market: REPCOHOME underperformed the Indian Market which returned 32.7% over the past year.

Price Volatility

Is REPCOHOME's price volatile compared to industry and market?
REPCOHOME volatility
REPCOHOME Average Weekly Movement5.5%
Consumer Finance Industry Average Movement6.5%
Market Average Movement6.8%
10% most volatile stocks in IN Market9.9%
10% least volatile stocks in IN Market4.1%

Stable Share Price: REPCOHOME is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: REPCOHOME's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2000977Yashpal Guptahttps://www.repcohome.com

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 properties. The company also offers loans for the construction/purchase of integrated buildings comprising residential and commercial structure; home loans to salaried individuals; and loans for construction on land owned by borrower’s parents.

Repco Home Finance Fundamentals Summary

How do Repco Home Finance's earnings and revenue compare to its market cap?
REPCOHOME fundamental statistics
Market Cap₹16.16b
Earnings (TTM)₹2.66b
Revenue (TTM)₹5.54b

6.1x

P/E Ratio

2.9x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
REPCOHOME income statement (TTM)
Revenue₹5.54b
Cost of Revenue₹12.10m
Gross Profit₹5.53b
Expenses₹2.87b
Earnings₹2.66b

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)42.49
Gross Margin99.78%
Net Profit Margin48.00%
Debt/Equity Ratio449.5%

How did REPCOHOME perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

6%

Payout Ratio

Valuation

Is Repco Home Finance undervalued compared to its fair value and its price relative to the market?

6.08x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: REPCOHOME (₹258.35) is trading above our estimate of fair value (₹209.05)

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


Price To Earnings Ratio

PE vs Industry: REPCOHOME is good value based on its PE Ratio (6.1x) compared to the Indian Consumer Finance industry average (26.7x).

PE vs Market: REPCOHOME is good value based on its PE Ratio (6.1x) compared to the Indian market (23.3x).


Price to Earnings Growth Ratio

PEG Ratio: REPCOHOME is good value based on its PEG Ratio (0.3x)


Price to Book Ratio

PB vs Industry: REPCOHOME is good value based on its PB Ratio (0.7x) compared to the IN Consumer Finance industry average (1.1x).


Future Growth

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

22.0%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: REPCOHOME's forecast earnings growth (22% per year) is above the savings rate (6.7%).

Earnings vs Market: REPCOHOME's earnings (22% per year) are forecast to grow faster than the Indian market (21% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: REPCOHOME's revenue (16.5% per year) is forecast to grow faster than the Indian market (12.7% per year).

High Growth Revenue: REPCOHOME's revenue (16.5% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if REPCOHOME's Return on Equity is forecast to be high in 3 years time


Past Performance

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

7.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: REPCOHOME has high quality earnings.

Growing Profit Margin: REPCOHOME's current net profit margins (48%) are lower than last year (56.9%).


Past Earnings Growth Analysis

Earnings Trend: REPCOHOME's earnings have grown by 7.9% per year over the past 5 years.

Accelerating Growth: REPCOHOME's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: REPCOHOME had negative earnings growth (-4.7%) over the past year, making it difficult to compare to the Consumer Finance industry average (11.3%).


Return on Equity

High ROE: REPCOHOME's Return on Equity (12%) is considered low.


Financial Health

How is Repco Home Finance's financial position?


Financial Position Analysis

Short Term Liabilities: REPCOHOME's short term assets (₹121.3B) exceed its short term liabilities (₹161.2M).

Long Term Liabilities: REPCOHOME's short term assets (₹121.3B) exceed its long term liabilities (₹100.4B).


Debt to Equity History and Analysis

Debt Level: REPCOHOME's net debt to equity ratio (421.9%) is considered high.

Reducing Debt: REPCOHOME's debt to equity ratio has reduced from 675.5% to 449.5% over the past 5 years.

Debt Coverage: REPCOHOME's debt is not well covered by operating cash flow (13.1%).

Interest Coverage: Insufficient data to determine if REPCOHOME's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

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

0.97%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: REPCOHOME's dividend (0.97%) is higher than the bottom 25% of dividend payers in the Indian market (0.3%).

High Dividend: REPCOHOME's dividend (0.97%) is low compared to the top 25% of dividend payers in the Indian market (1.32%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, REPCOHOME has been paying a dividend for less than 10 years.

Growing Dividend: REPCOHOME's dividend payments have increased, but the company has only paid a dividend for 9 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (5.9%), REPCOHOME's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

1.3yrs

Average management tenure


CEO

Yashpal Gupta

3yrs

Tenure

₹5,487,549

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 ($USD73.82K) is below average for companies of similar size in the Indian market ($USD181.46K).

Compensation vs Earnings: Yashpal's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: REPCOHOME's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


Board Members

Experienced Board: REPCOHOME's board of directors are considered experienced (4.3 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 employee growth, exchange listings and data sources


Key Information

  • Name: Repco Home Finance Limited
  • Ticker: REPCOHOME
  • Exchange: NSEI
  • Founded: 2000
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Implied Market Cap: ₹16.163b
  • Shares outstanding: 62.56m
  • Website: https://www.repcohome.com

Number of Employees


Location

  • Repco Home Finance Limited
  • Alexander Square
  • 3rd Floor
  • Chennai
  • Tamil Nadu
  • 600032
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/01/21 15:46
End of Day Share Price2022/01/21 00:00
Earnings2021/09/30
Annual Earnings2021/03/31


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.