Repco Home Finance Ltd Share Price Today

Actions	Ex-Date	Record-Date
DividendsFinal Dividend of 30% at ₹3/Share	22-Sep-2026	22-Sep-2026
DividendsInterim Dividend of 20% at ₹2/Share	12-Feb-2026	12-Feb-2026
DividendsInterim Dividend of 25% at ₹2.5/Share	25-Aug-2025	25-Aug-2025
DividendsFinal Dividend of 40% at ₹4/Share	14-Aug-2025	15-Aug-2025

Mutual Fund Holder	Aug 26 Shares held	Sep 26 Shares held
Bandhan Small Cap Fund - Regular Plan - Growth	61.23 Lac	61.23 Lac no change
ICICI Prudential Banking & Financial Services Fund - Growth	25.48 Lac	25.48 Lac no change
ICICI Prudential Small Cap Fund - Growth	17.90 Lac	17.90 Lac no change
Aditya Birla Sun Life Small Cap Fund - Growth	9.45 Lac	9.45 Lac no change
WhiteOak Capital Flexi Cap Fund - Regular Plan - Growth	7.66 Lac	7.66 Lac no change

Adarsh Nimborkar (SEBI IA)

28 Jun • 5:00 PM · SEBI-Registered Analyst

Repco Home Finance Ltd. Stock Report

REPCOHOME

Repco Home Finance Ltd. is a housing finance company primarily focused on providing home loans to individuals in the low and middle-income segments, particularly in tier-2 and tier-3 cities across India. The company has built a strong presence in underserved markets where access to formal housing finance remains relatively limited. The company operates in a sector that benefits from long-term structural growth drivers such as urbanization, rising household incomes, increasing demand for affordable housing, and government initiatives promoting home ownership. Financially, the company has demonstrated stable lending operations with a focus on maintaining asset quality and prudent risk management. Interest income remains the primary revenue driver, while profitability is influenced by loan growth, borrowing costs, net interest margins, and credit quality. Investors should closely monitor factors such as loan book growth, non-performing assets, collection efficiency, interest rate movements, and competitive intensity within the housing finance sector. Changes in borrowing costs and lending rates can directly impact profitability, while economic slowdowns may affect borrower repayment capacity. A key strength of Repco Home Finance is its specialized focus on customer segments that are often overlooked by larger financial institutions. This creates opportunities for growth while also requiring disciplined underwriting and risk management practices. As housing demand continues to expand in smaller cities and semi-urban regions, the company stands to benefit from increasing mortgage penetration and formalization of the housing finance market. Overall, Repco Home Finance represents a focused housing finance player with exposure to India's long-term affordable housing and mortgage growth story. The company offers potential for steady growth supported by rising housing demand and financial inclusion trends.

Adarsh Nimborkar (SEBI IA)

27 Jun • 7:37 PM · SEBI-Registered Analyst

Repco Home Finance Ltd – Fundamental Analysis

REPCOHOME

Repco Home Finance Ltd is a housing finance company primarily focused on providing home loans and loans against property to individuals in Tier 2 and Tier 3 cities, with a strong presence across southern India. The company mainly serves salaried and self-employed customers in the affordable and middle-income housing segment. The company has demonstrated stable business growth through consistent expansion of its loan portfolio while maintaining a prudent lending approach. It has historically maintained healthy asset quality, steady profitability, and comfortable capital adequacy. Its focus on secured housing loans, disciplined risk management, and controlled credit costs has supported stable financial performance across economic cycles. One of Repco Home Finance's key strengths is its deep penetration in smaller cities and its expertise in assessing borrowers with informal income profiles. The growing demand for affordable housing, increasing urbanization, and supportive government initiatives for home ownership provide a favorable long-term growth environment. The company also benefits from a wide branch network and strong customer relationships built over many years. However, the business remains exposed to interest rate movements, changes in borrowing costs, economic slowdowns, and deterioration in borrower repayment capacity. Competition from banks and larger housing finance companies can also impact loan growth and margins. Maintaining asset quality while expanding the loan book will remain a key factor for long-term success. Overall, Repco Home Finance Ltd appears to be a fundamentally sound housing finance company with a strong niche in affordable housing finance. Its stable financial profile, conservative lending practices, and focus on underserved markets provide long-term growth potential, although investors should continue monitoring asset quality, funding costs, and the pace of loan book expansion.

TrueNorth Capital

17 Mar • 9:25 AM · SEBI-Registered Analyst

REPCOHOME

: Affordable Housing Play at Deep Discount

REPCOHOME

, focused on the affordable housing segment (average ticket size ~₹15 lakh), has long trailed industry loan growth due to high run-downs in its legacy portfolio. Despite subdued growth, the stock has delivered strong returns over the past year, supported by attractive valuations and improving asset quality. With disbursements picking up and stress easing in key geographies, Repco is positioned for a gradual turnaround. Financial & Operational Performance - Q3FY26: Loan book growth ~9% YoY; disbursements up 40% YoY, sanctions up 35% YoY. - ROA dipped below 3% in 9MFY26 (vs. 3.1% in 9MFY25) due to higher operating expenses. - Asset mix: 71% housing mortgages, keeping asset quality relatively stable. - Provision coverage ratio (PCR): ~53%, providing cushion against stress in self-employed customer base (~53% of mix). Asset Quality Trends - Gross Stage 3 (NPA): 2.9%, improved by 100 bps YoY. - Gross Stage 2: 8%, down 260 bps YoY. - Early delinquencies improving; GS2 ratios expected to decline 200–250 bps annually in medium term. - Sustained improvement in collections and provision write-backs to support profitability. Growth Drivers - Management guidance: Disbursements to reach ₹4,000 crore in FY26, ₹5,000 crore in FY27. - Geographic expansion into non-core high-growth states (Maharashtra, Telangana). - Upgradation of sales verticals and sourcing channels to boost growth. - Strong pricing power in Tamil Nadu (57% of AUM), aided by high-yield home equity mix and lower funding costs. Valuation & Outlook - Current valuation: 0.5x FY28E P/B, at a deep discount to peers. - Aptus Value trades at 1.5x, Home First at 1.8x, Aadhar Housing at 2x FY28E P/B. - Re-rating hinges on steady loan growth and sustained asset quality improvement. - Risks: Geographic concentration and exposure to vulnerable customer segments. - Suitable for investors with higher risk appetite, given potential upside from sectoral tailwinds and improving fundamentals.

Sohrab Shaikh (SEBI RA)

24 Aug • 2:22 PM · SEBI-Registered Analyst

Companies having ex dividend date on 25.08.2025

Final dividend 1. Kama Holdings Rs. 18.25 per share 2. Lloyds Enterprises Rs. 0.1 per share 3. Nitin Castings Rs. 3 per share 4. Repco Home Finance Rs. 2.5 per share 5. Rupa & Company Rs. 3 per share 6. SP Apparels Rs. 2 per share 7. Tamboli Industries Rs. 1 per share

SASI KUMAR SEBI RA

13 Aug • 7:45 AM · SEBI-Registered Analyst

Stocks in Focus - 13th Aug, 2025.

Here’s a quick stock market update for today’s key deals and investments: Motilal Oswal Financial Services has invested ₹400 crore in Zepto (formerly Kiranakart Technologies) by acquiring 7.54 crore compulsorily convertible preference shares. Radico Khaitan’s board approved a strategic partnership — acquiring 47.5% equity each in D’YAVOL Spirits BV and D’YAVOL Spirits for ₹40 crore. Vodafone Idea has signed agreements to buy up to a 26% stake in Aditya Birla Renewables SPV 3, which will own and run a captive power plant. Bulk Deals: Repco Home Finance: HDFC Mutual Fund sold 9.58 lakh shares (1.5% stake) at ₹388.71 each, while Fidelity Funds – Asian Smaller Companies Pool bought 6.2 lakh shares (0.99% stake) at ₹388.70. Unilex Colours & Chemicals: Amrut Bharat Opportunities Fund – Series I sold 70,400 shares at ₹44.17 each; it had a 2.37% stake (3.23 lakh shares) as of March 2025. Block Deal: Medi Assist Healthcare Services: Promoter Bessemer India Capital Holdings II fully exited by selling 1.1 crore shares (15.67% stake) at ₹522.70 per share, worth ₹577.8 crore. 16 big institutional investors bought in, including Aditya Birla Sun Life Insurance, HDFC MF, ICICI Prudential MF, Kotak MF, Goldman Sachs, Morgan Stanley, and the Public Sector Pension Investment Board. Overall, today’s market buzz is driven by fresh investments, strategic partnerships, renewable energy moves, and large institutional buying activity.

Shaly Gupta

22 Dec • 3:58 PM · SEBI-Registered Analyst

Repco Home Finance posted 16% higher H2 EPS of Rs.36.4, which may lead to FY25 EPS of Rs.76. Share trades at a forward P/E of 6.1x v/s industry average P/E of 19%.

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