Repco Home Finance logo

Repco Home Finance financials and balance sheet

NSE: REPCOHOMEBSE: 535322FinanceSmall Cap

Last close ₹307.80down ₹5.40 (1.72%)BSE ₹308.05

Share price at the NSE close on 23 Oct 2026. Previous close ₹313.20.

52-week range of traded prices to 23 Oct 2026
₹294.05Low, 23 Oct 2026₹455.90High, 6 Nov 2025
Market cap
₹1,926 Cr1,074th largest listed
P/E
4.0
P/B
0.5
Dividend yield
1.62%
ROE
12.9%
NIM
5.05%
Cost of funds
8.43%
Credit cost
−0.21%
ROA
3.05%
Leverage
4.17times net worth
Volume, NSE
1,85,70450.0% delivered

10 years at a glance

Consolidated, laid out as a lender that is not a bank files them. A lender's lines are blank for the years to Mar 2017, Mar 2018 and Mar 2019: the company's filing for those results has none of them.Repco Home Finance annual reports

Net interest income, Net profit, ₹ crore

  • Net interest income
  • Net profit

Net interest margin, Return on assets, per cent

  • Net interest margin
  • Return on assets

Income

₹ crore, years to March.

₹ croreMar 2017Mar 2018Mar 2019Mar 2020Filed 29 AugMar 2021Filed 7 AugMar 2022Filed 1 JunMar 2023Filed 26 MayMar 2024Filed 15 MayMar 2025Filed 16 MayMar 2026Filed 21 May
Total income–––1,3511,3921,3071,2991,5411,7211,794
Interest earned–––1,3171,3521,2581,2571,4961,6481,750
Interest paid–––825807690701846966984
Net interest income–––492545568556650682766
–––34404842457344
Fees and commission–––000002126
Gains on fair value changes–––0000006
Other operating revenue–––28223227291510
Income outside operations–––619161516362
The lines under it are parts of it, not all of it.–––166114124146171209259
Profit before provisions–––360471493452524546551
Set aside for bad loans–––08123352−1−38−31
Exceptional items–––0000000
Profit before tax280314360360390260401525584582
981081258010268105130148133
Share of profit of associates59141813320222626
Net profitThe lines under it are parts of it, not all of it.188215249298300194316416461475
Other comprehensive income––1−10000−1−2
Total comprehensive income––250298301195316416460474
Earnings per share₹30.00₹34.42₹39.81₹47.66₹47.99₹31.03₹50.56₹66.55₹73.76₹75.99
Diluted earnings per share₹30.00₹34.42₹39.81₹47.66₹47.99₹31.03₹50.56₹66.55₹73.76₹75.99

Balance sheet

₹ crore, at 31 March.

₹ croreMar 2020Filed 29 AugMar 2021Filed 7 AugMar 2022Filed 1 JunMar 2023Filed 26 MayMar 2024Filed 15 MayMar 2025Filed 16 MayMar 2026Filed 21 May
Total assets12,03712,42012,05212,59613,79714,71616,444
Loans given11,58811,83611,29211,96213,03714,10915,600
Investments657686105123325272
10,10910,1979,6929,92410,70111,13912,206
Bonds and debentures680–––––273
Loans9,42910,1979,6929,92410,70111,13911,933
1,8302,1132,2902,5892,9853,4274,041

Margins and returns

Per cent a year, on the average of the opening and closing balance sheets.

FigureMar 2020Filed 29 AugMar 2021Filed 7 AugMar 2022Filed 1 JunMar 2023Filed 26 MayMar 2024Filed 15 MayMar 2025Filed 16 MayMar 2026Filed 21 May
Net interest margin–4.62%4.88%4.74%5.16%4.95%5.05%
Yield on interest-earning assets–11.47%10.80%10.72%11.86%11.95%11.55%
Cost of funds–7.95%6.94%7.15%8.20%8.84%8.43%
Spread–3.52%3.87%3.58%3.66%3.10%3.12%
Cost to income31.54%19.56%20.12%24.37%24.60%27.66%31.93%
Credit cost–0.69%2.02%0.44%0.00%−0.28%−0.21%
Return on assets–2.46%1.59%2.57%3.15%3.24%3.05%
Assets per rupee of net worth–6.205.565.054.734.454.17
Return on equity–15.23%8.82%12.96%14.94%14.39%12.73%

Where the return on assets comes from

Per cent of average total assets, a year. Each line adds to the one below it. The year to Mar 2020, the first with a balance sheet on this form, has none a year before it to average with, so its ratios are blank.

Per centMar 2021Filed 7 AugMar 2022Filed 1 JunMar 2023Filed 26 MayMar 2024Filed 15 MayMar 2025Filed 16 MayMar 2026Filed 21 May
Net interest income4.45%4.64%4.51%4.93%4.79%4.92%
Other income0.33%0.40%0.34%0.34%0.51%0.28%
Operating expenses0.94%1.01%1.18%1.30%1.46%1.66%
Profit before provisions3.85%4.03%3.67%3.97%3.83%3.54%
Set aside for bad loans0.66%1.90%0.42%0.00%−0.26%−0.20%
Exceptional items0.00%0.00%0.00%0.00%0.00%0.00%
Profit before tax3.19%2.12%3.25%3.98%4.09%3.74%
Tax0.84%0.56%0.85%0.99%1.04%0.86%
Associates and businesses sold or closed0.10%0.02%0.16%0.16%0.18%0.17%
Return on assets2.46%1.59%2.57%3.15%3.24%3.05%

Cash flow

Consolidated, ₹ crore, years to March.

₹ croreMar 2021Filed 7 AugMar 2022Filed 1 JunMar 2023Filed 26 MayMar 2024Filed 15 MayMar 2025Filed 16 MayMar 2026Filed 21 May
Cash from operations8511,379336157−610−896
Capital spending2115232327
Free cash flow8491,369332134−633−923
Cash from investing12−8160−109−1059
Cash from financing−732−1,219−494−94408988
Dividends paid161616171953
Shares bought back000000
Shares issued000000
Net change in cash1311532−46−212151
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only. No cash flow statement is on record for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020.

Per share

Consolidated, ₹ per share, years to March.Repco Home Finance dividend history

₹ per shareMar 2017Mar 2018Mar 2019Filed 8 JulMar 2020Filed 29 AugMar 2021Filed 7 AugMar 2022Filed 1 JunMar 2023Filed 26 MayMar 2024Filed 15 MayMar 2025Filed 16 MayMar 2026Filed 21 May
Earnings per share₹30.00₹34.42₹39.81₹47.66₹47.99₹31.03₹50.56₹66.55₹73.76₹75.99
Diluted earnings per share₹30.00₹34.42₹39.81₹47.66₹47.99₹31.03₹50.56₹66.55₹73.76₹75.99
Dividend per share₹2.00₹2.20₹2.50₹2.50₹2.50₹2.50₹2.70₹3.00₹4.00₹7.50
Book value per share–––₹292.53₹337.73₹366.04₹413.87₹477.21₹547.80₹645.90
Dividend payout6.7%6.4%6.3%5.2%5.2%8.1%5.3%4.5%5.4%9.9%
Shareholder yield––––0.7%1.4%1.4%0.7%0.9%2.4%
Market cap at the year end (₹ crore)4,3903,5182,9047342,1091,1041,1252,5072,0962,183

Growth and returns over 3, 5 and 10 years

Consolidated: the company and its subsidiaries together. Each window ends with the year to Mar 2026.

Measure10 years5 years3 years
Revenue growth, yearly rate7.4%5.5%11.8%
Profit growth, yearly rate11.9%9.6%14.6%
Return on equity, average–12.8%14.0%
Net margin, average22.3%24.2%27.1%
Asset turnover, average–0.110.12

Where the cash came from and went

Consolidated: the company and its subsidiaries together. ₹ crore, added up over each window, which ends with the year to Mar 2026.

₹ crore5 years3 yearsLatest year
Cash from operations366−1,349−896
Cash from investing92−6059
Cash from financing−4111,302988
Capital spending887327
Dividends paid1208953
Shares bought back000
Shares issued for cash000

Credit ratings

An agency's view of the chance the company repays a borrowing on time, from AAA, the highest, down to D, in default.

DateAgencyBorrowing ratedRatingOutlookAmount, ₹ Cr
29 Sep 2026CARE Ratings Limited (opens in a new tab)Commercial PaperCARE A1+Review, Re-affirm800
29 Sep 2026CARE Ratings Limited (opens in a new tab)Fund-based - LT-Term LoanCARE AA-Review, Re-affirmStable10,870
29 Sep 2026CARE Ratings Limited (opens in a new tab)Fund-based - LT-Cash CreditCARE AA-Review, Re-affirmStable275
21 Aug 2026ICRA Limited (opens in a new tab)Commercial Paper[ICRA]A1+Review, Re-affirm725
21 Aug 2026ICRA Limited (opens in a new tab)Fund-based-Term loan[ICRA]AA-Review, Re-affirmStable5,000
21 Aug 2026ICRA Limited (opens in a new tab)Non Convertible Debentures[ICRA]AA-Review, Re-affirmStable125
25 Feb 2026ICRA Limited (opens in a new tab)PRATHAM 12 2025-Equity Tranche SNs[ICRA]AA-(SO)Review, Other4.99
25 Feb 2026ICRA Limited (opens in a new tab)PRATHAM 12 2025-Series A1 SNs[ICRA]AAA(SO)Review, Other92.80
The latest rating on each borrowing. The agency's name opens its reasoning for the rating.