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Repco Home Finance Ltd

Updated on January 19, 2020

Stock/Share Code - REPCOHOME

Repco Home Finance is a Housing Finance Company set up in April, 2000 and registered with the National Housing Bank (NHB). The Company is a Housing Finance Company that provides loans for purchase / c...Read more

Below is the details of REPCOHOME Repco Home Finance Ltd

Market Cap₹1,877 Cr.
Current Price ₹298.3 as on 10 Dec 19
52 Week High / Low Price₹482.4 / ₹269
Face Value₹10
Stock P/E6.95
Book Value₹266.95
Dividend Yield0.83 %
ROCE10.66 %
ROE16.54 %
Sales Growth (3yrs)10.55 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 1.12 times its book value
Cons: Company has low interest coverage ratio.

Repco Home Finance Ltd Price Chart

Repco Home Finance Ltd Price Chart

Repco Home Finance Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. H D F C ₹144.7 18.88 ₹396,819.16 Cr. 0.91 ₹10,388.61 Cr. 80.38 43.16 32796.50 11.14
2. LIC Housing Fin. ₹425 8.74 ₹23,420.81 Cr. 1.64 ₹767.99 Cr. 36.41 18.44 4979.95 9.10
3. AAVAS Financiers ₹1,795.85 59.74 ₹13,861.2 Cr. 0.00 ₹76.04 Cr. 115.29 41.15 231.24 10.87
4. Indiabulls Hous. ₹269.7 3.55 ₹12,421.03 Cr. 13.76 ₹709.52 Cr. -32.05 -19.62 3419.54 12.38
5. PNB Housing ₹429.55 6.64 ₹8,960 Cr. 1.68 ₹342.09 Cr. 64.26 26.40 2187.29 9.66
6. H U D C O ₹144.7 5.13 ₹8,347.92 Cr. 1.98 ₹725.78 Cr. 157.28 67.00 2044.73 8.43
7. Can Fin Homes ₹406.7 16.55 ₹5,303.53 Cr. 0.50 ₹97.62 Cr. 19.71 19.18 500.49 9.67
8. Repco Home Fin ₹406.7 6.95 ₹1,876.84 Cr. 0.83 ₹100.6 Cr. 51.10 14.04 331.69 10.66

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Repco Home Finance Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Revenue264274274284274275287291304308328332
Interest168163163163162161168175185191201209
Expenses253025174861261942242822
Employee Cost %3.95%4.72%3.98%4.44%5.04%4.42%4.52%4.73%4.85%5.54%4.47%4.69%
Financing Profit71808610465529397779299101
Financing Margin %27%29%31%37%24%19%32%33%25%30%30%31%
Other Income100200050004
Depreciation111111111133
Profit before tax717986106645292100769196102
Tax %35%36%35%34%34%37%34%34%26%44%35%1%
Net Profit4651567042336167565262101
EPS in Rs7.428.098.9411.296.775.219.7310.708.928.249.9716.08
Gross NPA %2.60%2.60%3.97%3.40%3.70%2.87%3.96%3.60%3.90%2.95%0.00%0.00%
Net NPA %1.51%1.40%2.69%1.90%2.05%1.29%2.39%0.00%0.00%0.00%0.00%0.00%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue711151642263194065356938821,0461,1091,1911,271
Interest437091128202266325431548646649720786
Expenses8912193332597299116151110116
Manufacturing Cost %0.07%0.05%0.07%0.15%0.12%0.12%0.11%0.15%0.16%0.15%0.15%0.17%%
Employee Cost %2.68%3.07%2.92%3.2%3.29%3.44%3.93%5%4.64%4.12%4.46%4.91%%
Other Cost %7.96%5.07%4.46%4.97%7.04%4.29%6.99%5.27%6.47%6.81%8.98%4.19%%
Financing Profit2136617983108152189234284309361369
Financing Margin %30%31%37%35%26%27%28%27%27%27%28%30%29%
Other Income0010000000145
Depreciation0012222344359
Profit before tax2135617882107149186230280307360365
Tax %28%29%28%27%25%25%26%34%35%35%35%35%
Net Profit152544576180110123150182201235270
EPS in Rs9.4712.0313.0612.6917.5119.4223.6329.1332.1337.5143.21
Dividend Payout %20%12%11%8%8%9%7%8%8%7%7%7%

Compounded Sales Growth

  • 10 Years:: 26.36%
  • 5 Years:: 17.35%
  • 3 Years:: 10.55%
  • TTM:: 12.82%

Compounded Profit Growth

  • 10 Years:: 25.02%
  • 5 Years:: 16.33%
  • 3 Years:: 16.05%
  • TTM:: 33.39%

Return on Equity

  • 5 Years:: -11.18%
  • 3 Years:: -20.11%
  • 1 Year:: -18.86%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019
Share Capital79794646466262626363636363
Preference Capital40.2340.230000000000
Equity Capital38.638.646.4446.4446.4462.1662.1662.3662.5462.5662.5662.5662.56
Reserves54731441952575726767508921,0751,2461,4651,608
Borrowings4836951,0701,5492,4863,0653,9025,1046,5387,5608,1349,2779,281
Other Liabilities151225223306649396186305394376236962
Trade Payables5.796.550.810.230.3101.23000000
Total Liabilities7271,0321,4832,0972,8533,7934,7366,1027,7989,0929,81811,04111,913
Fixed Assets1123345999141635
Gross Block2.252.783.976.738.6711.2814.0720.3924.7527.915.8422.8
Accumulated Depreciation1.291.722.243.735.356.819.0911.4615.4918.782.347.28
CWIP0000000000000
Investments31228812121216162222
Other Assets7231,0291,4792,0922,8413,7804,7196,0817,7779,0679,78911,00311,856
Cash Equivalents65.2834.5564.188.4517.5210.1421.8917.5320.0322.525.957.6503.54
Loans n Advances44.1163.91107.57149.82194.85249.45333.43435.74553.51662.6995.8698.2411316.18
Other Assets etc613.64931.031307.261933.952629.113320.554363.665627.4772038381.619667.6110847.5936.21
Total Assets7271,0321,4832,0972,8533,7934,7366,1027,7989,0929,81811,04111,913

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity1425396170104-1,011-1,193-1,414-1,001-557-1,082
Profit from operations19.4435.8463.3183.3298.73117.28175.33215.24277.39334.2382.12382.24
Working Capital Changes0.58-1.54-8.822.28-4.3915.57-21.55-0.6973.954.71105.4-152.72
Taxes paid-6.42-9.75-15.54-24.67-24.55-29.09-1165.14-1407.52-1765.15-1339.75-1044.55-1311.85
Cash from Investing Activity-2228-1-2-8-4-6-7-7-60-11
Fixed Assets Purchased-0.37-0.53-1.43-2.88-1.94-2.68-2.94-7.14-4.48-3.49-7.56-7.26
Fixed Assets Sold0.03000.0600.030.020.0700.050.110.3
Capital WIP0000000-0.13-3.65-0.5800
Investments purchased-8.69-0.05-20-60-4.4-0.140.09-3.200
Investments sold10.491.061.62000000000
Cash from Financing Activity48-59-8-114-53918291,1951,4241,0095621,125
Proceeds from Shares76.360000259.2500.20.180.0200
Proceeds from Borrowings188.78280.41413.23554.7100027.122376.72897.175579.135080.66
Repayment of Borrowings000000000-1050-1900-2025
Dividends Paid-4.39-4.32-5.97-5.43-5.4-5.94-8-8.73-11.31-13.55-15.06-16.55
Net Cash Flow39-630-569191-188-532532

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %17%18%26%26%23%17%16%16%17%17%16%17%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.