Repco Home Finance Limited Logo

Repco Home Finance Limited

REPCOHOME.NS

(1.8)
Stock Price

474,25 INR

0% ROA

15.07% ROE

7.27x PER

Market Cap.

31.493.408.760,00 INR

0% DER

0.6% Yield

37.11% NPM

Repco Home Finance Limited Stock Analysis

Repco Home Finance Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Repco Home Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

2 ROE

The stock's ROE falls within an average range (13.78%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (2.58%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.17x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (866) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The company has a high debt to equity ratio (424%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Repco Home Finance Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Repco Home Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Repco Home Finance Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Repco Home Finance Limited Revenue
Year Revenue Growth
2006 437.972.544
2007 688.675.398 36.4%
2008 1.127.503.592 38.92%
2009 1.636.000.642 31.08%
2010 2.255.512.580 27.47%
2011 3.188.154.506 29.25%
2012 1.405.247.636 -126.87%
2013 2.109.411.815 33.38%
2014 2.619.092.305 19.46%
2015 3.340.566.999 21.6%
2016 3.999.501.490 16.48%
2017 4.601.972.951 13.09%
2018 4.751.300.000 3.14%
2019 5.261.100.000 9.69%
2020 5.850.000.000 10.07%
2021 6.166.400.000 5.13%
2022 5.980.900.000 -3.1%
2023 7.058.000.000 15.26%
2023 15.408.000.000 54.19%
2024 16.650.000.000 7.46%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Repco Home Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Repco Home Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 15.569.757
2007 46.080.993 66.21%
2008 33.814.059 -36.28%
2009 42.180.181 19.83%
2010 61.518.328 31.43%
2011 0 0%
2012 11.635.745 100%
2013 28.427.280 59.07%
2014 24.974.158 -13.83%
2015 48.008.140 47.98%
2016 44.011.706 -9.08%
2017 68.505.666 35.75%
2018 92.000.000 25.54%
2019 79.200.000 -16.16%
2020 73.400.000 -7.9%
2021 79.400.000 7.56%
2022 878.900.000 90.97%
2023 0 0%
2023 123.200.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Repco Home Finance Limited EBITDA
Year EBITDA Growth
2006 400.234.089
2007 637.916.101 37.26%
2008 376.340.990 -69.5%
2009 632.800.580 40.53%
2010 2.086.906.795 69.68%
2011 2.855.553.297 26.92%
2012 3.737.357.176 23.59%
2013 4.758.774.458 21.46%
2014 6.202.012.971 23.27%
2015 7.859.413.444 21.09%
2016 9.350.776.142 15.95%
2017 9.740.854.237 4%
2018 10.992.200.000 11.38%
2019 178.100.000 -6071.93%
2020 291.800.000 38.97%
2021 171.600.000 -70.05%
2022 340.400.000 49.59%
2023 5.644.400.000 93.97%
2023 5.424.300.000 -4.06%
2024 5.613.600.000 3.37%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Repco Home Finance Limited Gross Profit
Year Gross Profit Growth
2006 437.972.544
2007 688.675.398 36.4%
2008 1.127.503.592 38.92%
2009 1.636.000.642 31.08%
2010 2.255.512.580 27.47%
2011 3.188.154.506 29.25%
2012 1.405.247.636 -126.87%
2013 2.109.411.815 33.38%
2014 2.619.092.305 19.46%
2015 3.340.566.999 21.6%
2016 3.999.501.490 16.48%
2017 4.601.972.951 13.09%
2018 4.751.300.000 3.14%
2019 5.131.100.000 7.4%
2020 5.719.700.000 10.29%
2021 6.037.000.000 5.26%
2022 5.830.000.000 -3.55%
2023 7.058.000.000 17.4%
2023 6.770.100.000 -4.25%
2024 7.181.200.000 5.72%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Repco Home Finance Limited Net Profit
Year Net Profit Growth
2006 115.275.499
2007 155.700.303 25.96%
2008 270.050.405 42.34%
2009 443.432.964 39.1%
2010 581.529.573 23.75%
2011 614.603.367 5.38%
2012 800.166.865 23.19%
2013 1.101.014.423 27.32%
2014 1.230.801.771 10.54%
2015 1.540.585.645 20.11%
2016 1.876.565.098 17.9%
2017 2.153.124.371 12.84%
2018 2.490.600.000 13.55%
2019 2.981.300.000 16.46%
2020 3.002.100.000 0.69%
2021 1.941.100.000 -54.66%
2022 3.162.800.000 38.63%
2023 4.126.000.000 23.34%
2023 4.163.100.000 0.89%
2024 4.501.200.000 7.51%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Repco Home Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 4
2007 5 0%
2008 6 33.33%
2009 10 40%
2010 13 16.67%
2011 13 7.69%
2012 17 23.53%
2013 18 0%
2014 20 15%
2015 25 16.67%
2016 30 20%
2017 34 11.76%
2018 40 12.82%
2019 48 17.02%
2020 48 0%
2021 31 -51.61%
2022 51 38%
2023 61 18.03%
2023 67 7.58%
2024 72 7.04%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Repco Home Finance Limited Free Cashflow
Year Free Cashflow Growth
2006 151.528.536
2007 138.871.698 -9.11%
2008 263.229.110 47.24%
2009 416.596.967 36.81%
2010 616.661.407 32.44%
2011 678.509.717 9.12%
2012 1.010.858.109 32.88%
2013 1.028.061.172 1.67%
2014 -12.002.214.675 108.57%
2015 -14.182.878.465 15.38%
2016 -10.043.295.208 -41.22%
2017 -5.646.096.467 -77.88%
2018 -10.895.900.000 48.18%
2019 -4.687.600.000 -132.44%
2020 8.488.300.000 155.22%
2021 13.685.400.000 37.98%
2022 3.281.400.000 -317.06%
2023 0 0%
2023 3.292.000.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Repco Home Finance Limited Operating Cashflow
Year Operating Cashflow Growth
2006 153.478.754
2007 142.541.604 -7.67%
2008 268.561.479 46.92%
2009 430.878.151 37.67%
2010 645.437.992 33.24%
2011 697.898.589 7.52%
2012 1.037.612.747 32.74%
2013 1.057.453.386 1.88%
2014 -11.930.810.259 108.86%
2015 -14.138.104.784 15.61%
2016 -10.008.350.432 -41.26%
2017 -5.570.455.351 -79.67%
2018 -10.823.300.000 48.53%
2019 -4.614.100.000 -134.57%
2020 8.509.900.000 154.22%
2021 13.794.000.000 38.31%
2022 3.363.000.000 -310.17%
2023 0 0%
2023 3.526.600.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Repco Home Finance Limited Capital Expenditure
Year Capital Expenditure Growth
2006 1.950.218
2007 3.669.906 46.86%
2008 5.332.369 31.18%
2009 14.281.184 62.66%
2010 28.776.585 50.37%
2011 19.388.872 -48.42%
2012 26.754.638 27.53%
2013 29.392.214 8.97%
2014 71.404.416 58.84%
2015 44.773.681 -59.48%
2016 34.944.776 -28.13%
2017 75.641.116 53.8%
2018 72.600.000 -4.19%
2019 73.500.000 1.22%
2020 21.600.000 -240.28%
2021 108.600.000 80.11%
2022 81.600.000 -33.09%
2023 0 0%
2023 234.600.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Repco Home Finance Limited Equity
Year Equity Growth
2006 474.289.747
2007 1.350.367.957 64.88%
2008 1.560.756.611 13.48%
2009 1.949.855.244 19.96%
2010 2.477.409.009 21.29%
2011 3.032.630.230 18.31%
2012 6.345.249.658 52.21%
2013 7.410.632.786 14.38%
2014 8.121.037.490 8.75%
2015 9.632.357.766 15.69%
2016 86.874.768.347 88.91%
2017 94.559.567.733 8.13%
2018 107.813.900.000 12.29%
2019 116.367.900.000 7.35%
2020 118.744.200.000 2%
2021 113.912.600.000 -4.24%
2022 120.807.500.000 5.71%
2023 131.784.900.000 8.33%
2023 27.676.600.000 -376.16%
2024 29.854.000.000 7.29%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Repco Home Finance Limited Assets
Year Assets Growth
2006 4.545.084.814
2007 7.379.246.013 38.41%
2008 10.484.445.879 29.62%
2009 14.934.201.716 29.8%
2010 21.300.265.074 29.89%
2011 28.507.893.896 25.28%
2012 37.924.499.667 24.83%
2013 47.390.149.004 19.97%
2014 60.756.806.445 22%
2015 77.716.114.656 21.82%
2016 90.556.585.487 14.18%
2017 99.939.256.871 9.39%
2018 109.866.500.000 9.04%
2019 120.371.000.000 8.73%
2020 124.195.100.000 3.08%
2021 120.517.600.000 -3.05%
2022 125.964.300.000 4.32%
2023 137.967.100.000 8.7%
2023 129.333.600.000 -6.68%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Repco Home Finance Limited Liabilities
Year Liabilities Growth
2006 4.070.795.067
2007 6.028.878.056 32.48%
2008 8.923.689.268 32.44%
2009 12.984.346.472 31.27%
2010 18.822.856.065 31.02%
2011 25.475.263.666 26.11%
2012 31.579.250.009 19.33%
2013 39.979.516.218 21.01%
2014 52.635.768.955 24.04%
2015 68.083.756.890 22.69%
2016 79.061.116.407 13.88%
2017 86.463.789.138 8.56%
2018 94.250.700.000 8.26%
2019 102.070.600.000 7.66%
2020 103.066.500.000 0.97%
2021 97.617.900.000 -5.58%
2022 100.072.600.000 2.45%
2023 108.113.100.000 7.44%
2023 101.657.000.000 -6.35%
2024 0 0%

Repco Home Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
186.67
Net Income per Share
69.28
Price to Earning Ratio
7.27x
Price To Sales Ratio
2.7x
POCF Ratio
182.89
PFCF Ratio
182.89
Price to Book Ratio
1.05
EV to Sales
2.7
EV Over EBITDA
5.63
EV to Operating CashFlow
182.89
EV to FreeCashFlow
182.89
Earnings Yield
0.14
FreeCashFlow Yield
0.01
Market Cap
31,49 Bil.
Enterprise Value
31,49 Bil.
Graham Number
862.45
Graham NetNet
0

Income Statement Metrics

Net Income per Share
69.28
Income Quality
0.04
ROE
0.15
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.8
EBT Per Ebit
1
Ebit per Revenue
0.46
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.23
Operating Profit Margin
0.46
Pretax Profit Margin
0.46
Net Profit Margin
0.37

Dividends

Dividend Yield
0.01
Dividend Yield %
0.6
Payout Ratio
0
Dividend Per Share
3

Operating Metrics

Operating Cashflow per Share
2.75
Free CashFlow per Share
2.75
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.14
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
477.2
Interest Debt per Share
140.02
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,03 Bil.
Average Payables
0,01 Bil.
Average Inventory
2505000000
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Repco Home Finance Limited Dividends
Year Dividends Growth
2013 1
2014 1 0%
2015 2 0%
2016 2 0%
2017 2 50%
2018 2 0%
2019 3 0%
2020 3 0%
2021 3 0%
2022 3 0%
2023 3 0%
2024 3 33.33%

Repco Home Finance Limited Profile

About Repco Home Finance Limited

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 of homes; 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 structures; home loans to salaried individuals; and loans for construction on land owned by borrower's parents. As of March 31, 2022, it operated through a network of 155 branches and 24 satellite centers located in Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry. The company was incorporated in 2000 and is headquartered in Chennai, India.

CEO
Mr. Swaminathan Kuppuswamy
Employee
823
Address
Alexander Square
Chennai, 600032

Repco Home Finance Limited Executives & BODs

Repco Home Finance Limited Executives & BODs
# Name Age
1 Ms. Shanthi Srikanth A.C.A., A.C.S., B.Com.
Chief Risk Officer
70
2 Mr. Vaidyanathan Iyer
Head of Internal Audit
70
3 Mr. M. Raja
Chief Business Officer
70
4 Mr. Ankush Tiwari
Company Secretary & Chief Compliance Officer
70
5 Mr. T. Karunakaran
Chief Operating Officer
70
6 Mr. D. Premchander
Chief Technology Officer
70
7 Mr. P.K. Vaidyanathan
Chief Development Officer
70
8 Bala S
Investor Relations Officer
70
9 Mr. K. Pandiarajan
Chief Information Officer
70
10 Mr. Swaminathan Kuppuswamy
Chief Executive Officer, MD & Director
70

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