ALFA Finder| Revenue growth | AUM up ~9% YoY to ₹16,425 Cr; disbursement ₹1,205 Cr. |
|---|---|
| Margins | NIM ~5.4%; spread guided down to 3.2-3.25% from 3.47%. |
| Demand visibility | Q3/Q4 disbursement guided ₹1,300-1,700 Cr; no South stress seen. |
| Management confidence | Confident; optimistic on disbursements, hedged on spread and payout. |
Growth
AUM ₹16,425 Cr, up about 9% YoY; disbursement ₹1,205 Cr vs ₹1,069 Cr prior year. NIM about 5.4%; spread 3.47% guided down to 3.2-3.25%.
Outlook
FY27 net profit guided ₹480-490 Cr; FY27 disbursement ₹3,000-3,050 Cr. Q3 ₹1,300-1,350 Cr; Q4 ₹1,650-1,700 Cr. Provisions ₹5-6 Cr per quarter.
Risks
Spread compression from cost-of-fund rises (+10-15 bps) and BT-out rate concessions. Opex elevated by incentives and gratuity true-up.
Last quarter's promises, checked
Delivered
- Spread ≤10bp cut guided → 3.44%→3.47% (= BEAT)
Partly delivered
- Q2 disb ₹1,200-1,250 Cr → ₹1,205 Cr (= PARTIAL)
- GNPA ₹427 Cr→₹405 Cr → 2.4% ratio, absolute n/a (= PARTIAL)
- GNPA <2% by Mar-27 → 2.4% at Q2 (= PARTIAL)
Missed
- FY27 disb ₹5,000 Cr → ₹3,000-3,050 Cr (= MISS)
- AUM growth 13-14% → ~9% YoY (= MISS)
- CoF flat at 8.3% → +10-15bp (= MISS)
Earnings Call Transcript filed with NSE, NSE: REPCOHOME. Summary written with AI assistance from the document.
Repco Home Finance Ltd: key numbers
- Share price
- ₹395.10
- Market cap
- ₹2,472 Cr
- Revenue (annual)
- ₹1,792 Cr
- Net profit (annual)
- ₹475.4 Cr
- P/E (TTM)
- 5.0×Sector 20.5×
- 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 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 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.
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