| 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
- ₹347.70
- Market cap
- ₹2,175 Cr
- Revenue (annual)
- ₹1,787 Cr
- Net profit (annual)
- ₹475.4 Cr
- P/E (TTM)
- 4.5×Sector 22.0×
- Promoter holding
- 37.13%+0.00% QoQ
- FII holding
- 12.36%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 Credit Rating
Repco Home Finance received provisional ratings of [ICRA]AAA(SO) and [ICRA]AA(SO) from ICRA for its Pass-Through Certificates (PTCs) worth ₹78.00 Crore.
- Value
- ₹78.00 Cr
Repco Home Finance Debt & Borrowing: ₹75 Cr
Repco Home Finance redeemed Rs.75 Crore unlisted Commercial Paper at maturity on 21 September 2026. Maturity proceeds were paid in full to CP holders.
- Value
- ₹75.00 Cr
Repco Home Finance Other Announcement
Repco Home Finance intimated contact details of its authorized officials for materiality determination under SEBI LODR Regulation 30. No financial or operational event is involved.
Repco Home Finance Management Change
Mr. Paiyur Kuppuraman Vaidyanathan has ceased to be a Whole-time Director and Chief Development Officer of Repco Home Finance Limited, effective September 16, 2026.
Repco Home Finance Annual General Meeting
Repco Home Finance has announced its 26th Annual General Meeting to be held on September 29, 2026, through video conferencing, along with related book closure dates.
Repco Home Finance Annual Report
Repco Home Finance filed its Annual Report for the financial year 2025-26. The document includes the notice for the 26th Annual General Meeting.