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Repco Home Finance Ltd

Updated on November 22, 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...show more

Below is the details of REPCOHOME Repco Home Finance Ltd

Market Cap₹1,108 Cr.
Current Price ₹238.4 as on 27 Nov 20
52 Week High / Low Price₹366.2 / ₹90.35
Face Value₹10
Stock P/E3.95
Book Value₹285.62
Dividend Yield1.41 %
ROCE10.44 %
ROE16.92 %
Sales Growth (3yrs)8.76 %
SectorFinance
IndustryFinance - Housing
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.62 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 ₹99.25 14.97 ₹328,545.08 Cr. 1.15 ₹3,613.6 Cr. 16.78 29.21 29953.57 11.10
2. LIC Housing Fin. ₹329 5.81 ₹15,205.5 Cr. 2.67 ₹824 Cr. 35.34 4.07 5011.50 8.98
3. AAVAS Financiers ₹1,607.7 43.32 ₹10,988.12 Cr. 0.00 ₹49.97 Cr. 10.16 18.22 233.51 10.17
4. Indiabulls Hous. ₹187.05 5.33 ₹8,902.09 Cr. 14.90 ₹272.84 Cr. -65.96 -33.73 2574.59 10.19
5. H U D C O ₹99.25 4.12 ₹7,036.68 Cr. 2.13 ₹440.91 Cr. 86.60 28.05 1888.49 9.71
6. Can Fin Homes ₹481.95 12.73 ₹4,942.68 Cr. 0.54 ₹93.16 Cr. 15.04 7.93 522.40 9.41
7. PNB Housing ₹378.45 8.37 ₹4,799.21 Cr. 3.14 ₹259.61 Cr. -29.50 -18.91 1866.35 8.65
8. Repco Home Fin ₹481.95 3.95 ₹1,108.27 Cr. 1.41 ₹47.7 Cr. -7.41 12.31 345.60 10.44

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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

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
Revenue274284274275287291304308328332340346
Interest163163162161168175185191201209209206
Expenses -251748612619422428223568
Employee Cost %3.98%4.44%5.04%4.42%4.52%4.73%4.85%5.54%4.47%4.69%4.90%5.66%
Financing Profit86104655293977792991019672
Financing Margin %31%37%24%19%32%33%25%30%30%31%28%21%
Other Income020005000411
Depreciation111111113343
Profit before tax861066452921007691961029369
Tax %35%34%34%37%34%34%26%44%35%1%25%31%
Net Profit5670423361675652621017048
EPS in Rs8.9411.296.775.219.7310.708.898.249.9716.0811.147.62
Gross NPA %3.97%3.40%3.70%2.87%3.96%3.60%3.90%3.00%4.20%4.30%
Net NPA %2.69%1.90%2.05%1.29%2.39%
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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue1151642263194065356938821,0461,1091,1911,345
Interest7091128202266325431548646649720825
Expenses -912193332597299116151110153
Manufacturing Cost %0.05%0.07%0.15%0.12%0.12%0.11%0.15%0.16%0.15%0.15%0.17%0.00%
Employee Cost %3.07%2.92%3.20%3.30%3.45%3.95%5.02%4.66%4.15%4.48%4.94%4.94%
Other Cost %5.07%4.46%4.97%7.03%4.29%6.98%5.25%6.46%6.78%8.96%4.15%2.02%
Financing Profit36617983108152189234284309361367
Financing Margin %31%37%35%26%27%28%27%27%27%28%30%27%
Other Income010000000146
Depreciation0122223443513
Profit before tax35617882107149186230280307360360
Tax %29%28%27%25%25%26%34%35%35%35%35%22%
Net Profit2544576180110123150182201235280
EPS in Rs9.4712.0313.0612.6917.5119.4223.6329.1332.1337.5144.81
Dividend Payout %12%11%8%8%9%7%8%8%7%7%7%6%

Compounded Sales Growth

  • 10 Years:: 23.46%
  • 5 Years:: 14.20%
  • 3 Years:: 8.76%
  • TTM:: 12.96%

Compounded Profit Growth

  • 10 Years:: 20.35%
  • 5 Years:: 17.90%
  • 3 Years:: 15.43%
  • TTM:: 19.51%

Return on Equity

  • 5 Years:: -24.05%
  • 3 Years:: -35.00%
  • 1 Year:: -42.70%

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -794646466262626363636363
Preference Capital400000000000
Equity Capital394646466262626363636363
Reserves731441952575726767508921,0751,2461,4651,724
Borrowings6951,0701,5492,4863,0653,9025,1046,5387,5608,1349,27710,109
Other Liabilities -22522330663939615927034528815298
Trade Payables710001000000
Advance from Customers00002000000
Other liability items21922230663929515927034528815298
Total Liabilities1,0321,4832,0972,8533,7924,7366,0767,7639,0439,73110,95711,994
Fixed Assets -123345999141637
Gross Block2.783.976.738.6711.2814.0720.3924.7527.9015.8422.80
Accumulated Depreciation1.722.243.735.356.819.0911.4615.4918.782.347.28
CWIP000000000000
Investments1228812121216162222
Other Assets -1,0291,4792,0922,8413,7804,7196,0547,7429,0189,70210,91911,935
Cash Equivalents3564818210221820222658324
Loans n Advances64108150195249333436554663969811,588
Other asset items9311,3071,9342,6293,3204,3635,6017,1688,3339,58010,76423
Total Assets1,0321,4832,0972,8533,7924,7366,0767,7639,0439,73110,95711,994

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 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity -25396170104-1,011-1,193-1,414-1,001-557-1,082
Profit from operations36638399117175215277334382382
Payables1-5700-600000
Loans Advances-2-3-5-30-1-4-0-41-2
Other WC items000-216-153748105-151
Working capital changes-2-92-416-22-1745105-153
Direct taxes-10-16-25-25-29-48-56-72-91-108-106
Other operating items00000-1,117-1,351-1,693-1,249-936-1,206
Cash from Investing Activity -28-1-2-8-4-6-7-7-60-11
Fixed assets purchased-0.53-1.43-2.88-1.94-2.68-2.94-7.14-4.48-3.49-7.56-7.26
Fixed assets sold0.000.000.060.000.030.020.070.000.050.110.30
Capital WIP0.000.000.000.000.000.00-0.13-3.65-0.580.000.00
Investments purchased-0.05-2.000.00-6.000.00-4.40-0.140.09-3.200.000.00
Investments sold1.061.620.000.000.000.000.000.000.000.000.00
Interest received3.170.710.400.060.230.700.240.260.170.100.03
Dividends received0.020.050.000.000.000.400.410.621.241.871.87
Invest in subsidiaries0.000.000.000.000.000.000.000.000.000.00-6.40
Other investing items24.270.000.000.00-1.350.000.000.00-0.115.880.01
Cash from Financing Activity --59-8-114-53918291,1951,4241,0095621,125
Proceeds from shares0000259000000
Proceeds from debentures0000001003003856520
Redemption of debentures000000000-100-510
Proceeds from borrowings280413555000272,3772,8975,5795,081
Repayment of borrowings00000000-1,050-1,900-2,025
Dividends paid-4-6-5-5-6-8-9-11-14-15-17
Share application money00000011000
Other financing items-335-416-664-47-1628371,075-1,243-1,210-3,655-1,404
Net Cash Flow-630-569191-188-532532

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %18%26%26%23%17%16%16%17%17%16%17%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.