ALFA Finder| Management target | Revenue 14.0% FY27 |
|---|
| Revenue growth | AUM grew 8.9% YoY; NII increased to ₹216 Cr. |
|---|---|
| Margins | Yields under pressure from BT-outs; expecting 10-12 bps spread compression. |
| Demand visibility | Positive; focusing on non-salaried and unorganized sector borrowers. |
| Management confidence | Balanced but cautious regarding spread compression and competitive pressures. |
Growth
AUM grew 8.9% YoY to ₹15,990 Cr. Net Interest Income rose to ₹216 Cr.
Outlook
Management maintains ₹5,000 Cr disbursement guidance and 13-14% AUM growth for FY27.
Risks
Spiking BT-outs (balance transfers) and rising costs of funds threaten NIMs. GNPA ratio increased slightly to 2.7%.
Last quarter's promises, checked
Delivered
- Guided ₹4,000 Cr disbursement → delivered ₹4,148 Cr (= BEAT)
- Guided GNPA reduction from 3.26% → delivered 2.55% (= BEAT)
- Guided Stage 2 assets reduction → delivered 7% from 9.5% (= BEAT)
Partly delivered
- Guided spread maintenance → delivered 3.34% with yield pressure (= PARTIAL)
Missed
- Guided AUM growth of ₹16,200 Cr → delivered ₹15,850 Cr (= MISS)
Earnings Call Transcript filed with BSE, NSE: REPCOHOME. Summary written with AI assistance from the document.
Repco Home Finance Ltd: key numbers
- Share price
- ₹390.00
- Market cap
- ₹2,440 Cr
- Revenue (annual)
- ₹1,792 Cr
- Net profit (annual)
- ₹475.4 Cr
- P/E (TTM)
- 5.0×Sector 20.8×
- Promoter holding
- 37.13%+0.00% QoQ
- FII holding
- 11.09%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Repco Home Finance Ltd
All →Repco Home Finance Other Announcement
Repco Home Finance informs that its RTA, KFin Technologies, will shift its corporate office to a new Hyderabad address from 1 December 2026. No business or financial impact to investors is indicated.
Repco Home Finance Debt & Borrowing
Repco Home Finance submitted a revised Security Cover and Covenant Compliance Certificate as of 30 September 2026, extending compliance coverage to all Debenture Trust Deed covenants. The revision follows the earlier certificate and only changes the covenant scope and UDIN.
Repco Home Finance Management Change
Repco Home Finance disclosed that two independent directors, R. Vaithianathan and Usha Ravi, completed their tenure and ceased to be directors effective close of business on 10 November 2026. The filing is a Reg 30 cessation disclosure.
Repco Home Finance Earnings Call Transcript: Key Takeaways
Q2 disbursement of about ₹1,205 Cr met the ~₹1,200 Cr guidance, and gross NPA fell to 2.4%. Management guided spreads lower as cost of funds rises and borrowers get rate concessions.
Repco Home Finance Dividend
Repco Home Finance declared an interim dividend of Rs 5 per equity share for FY 2026-27 on November 5, 2026. The record date is November 13, 2026.
Repco Home Finance Investor Presentation: Key Takeaways
Q2 FY27 operating revenue Rs481cr (+8.0% YoY), PAT Rs116cr (+8.4%), loan book Rs16,425cr (+9.3%), GNPA 2.42%. Sanctions up 12.7% YoY.