| Revenue growth | Operating revenue +8.0% YoY, +2.7% QoQ |
|---|---|
| Margins | NIM 5.5% (Q1 5.4%); spread 3.7% (Q1 3.4%) |
| Demand visibility | Sanctions Rs1,359cr, +44.8% QoQ, +12.7% YoY |
Growth
NII +10.0% YoY, PBT +5.0%, PAT +8.4%. H1 FY27 PAT Rs230cr vs Rs215cr (+7%).
Outlook
No explicit revenue or profit guidance given. No capex, acquisition or new-product plans disclosed.
Risks
Cost-to-income rose to 29.7% from 28.4% YoY. Employee cost Rs39cr vs Rs34cr QoQ. Stage-2 assets 7.0%.
Last quarter's promises, checked
Delivered
- Spread to fall max 10bp → rose 3.4%→3.7% (= BEAT)
Partly delivered
- GNPA cut to ~Rs405cr by Sep-qtr → GNPA ratio 2.7%→2.42%, absolute not disclosed (= PARTIAL)
- Cost of funds stable ~8.31% → borrowings 8.35% (= PARTIAL)
Missed
- AUM growth 13-14% FY27 → loan book +9.3% YoY (= MISS)
- Cost reduction YoY & QoQ (C/I ~26%) → C/I 29.7% vs 28.4% YoY; employee cost Rs39cr vs Rs34cr QoQ (= MISS)
Investor Presentation filed with BSE, NSE: REPCOHOME. Summary written with AI assistance from the document.
Repco Home Finance Ltd: key numbers
- Share price
- ₹326.45
- Market cap
- ₹2,042 Cr
- Revenue (annual)
- ₹1,792 Cr
- Net profit (annual)
- ₹475.4 Cr
- P/E (TTM)
- 4.2×Sector 19.5×
- 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 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 Results Update
Repco Home Finance issued a press release on Q2 FY27 unaudited results. Loan book grew 9.2% year-on-year across 210 branches.
Repco Home Finance Q2 FY27 Results: Net Profit ₹119.1 Cr, Up 8.6% YoY
Repco Home Finance Ltd reported revenue from operations of ₹477.4 Cr (+8.2% YoY) and net profit of ₹119.1 Cr (+8.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹119.1 Cr · +8.6% YoY
Repco Home Finance Board Meeting Date
Repco Home Finance scheduled its Board meeting for 5 November 2026 to consider Q1 FY27 results and interim dividend. No figures disclosed in this prior intimation.
Repco Home Finance Other Announcement
Crisil ESG Ratings assigned Repco Home Finance an ESG score of 64, categorised as strong. The rating was prepared independently using public information.
Repco Home Finance Other Announcement
Repco Home Finance discloses a voluntary ESG rating score of 62 (categorised as strong) from ESG Risk Assessments and Insights Limited. No monetary transaction or business decision is involved.