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Intrinsic value · Buy/Sell verdict · scores — free· 1088 Nifty 500 stocks· EOD 2026-06-16

Repco Home Finance Limited

REPCOHOME · NSE · Financial Services

₹390.65
-0.95 (-0.24%)
Our verdict
Buy64/100
Quality59
Valuation97
Momentum36
Financial trend48
Intrinsic value
Our fair value
₹781.3
Undervalued by 100%
Price ₹390.65Range ₹712.89₹843.8

With a 20% margin of safety, our buy-below price is ₹625.04. Low-confidence estimate — limited data.

B
Financial health 72/100
From profitability & returns (bank/NBFC)

Piotroski F-score 2/9 — quality of earnings & balance sheet.

Investability checklist

Passed 5 of 10 checks50/100
  • ROE above 15%
  • Low debt (D/E < 0.5)3.18x
  • Positive free cash flow
  • Revenue growth > 10%13%
  • Earnings growing2%
  • Net margin ≥ 10%55.5%
  • Current ratio > 1.5
  • Below our fair value
  • Margin of safety ≥ 20%
  • Above 200-day average
  • Above 50-day average
  • Positive 1-year return
  • Altman Z in safe zone
  • Piotroski ≥ 72/9

1-year price

EOD · 2026-06-16
1W
+4.5%
1M
+1.7%
3M
+6.0%
6M
-1.2%
1Y

Our scores

Durability59
Valuation94
Momentum36

Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.

Quarterly results

2Q2025
₹197 Cr55%
3Q2025
₹201 Cr53%
4Q2025
₹208 Cr52%
1Q2026
₹207 Cr62%
Revenue Net profitRevenue 4-period change +5%

Annual financials

2023
₹598 Cr50%
2024
₹695 Cr57%
2025
₹759 Cr58%
2026
₹814 Cr56%
Revenue Net profitRevenue 4-period change +36%

Shareholding

Promoter37.1%
Institutions30.8%
Public & other32.1%

Promoter holding via insider stake; institutional via reported holdings.

Analyst views

7 analysts4 buy · 3 hold · 0 sell
12-month consensus target₹490.71+26%
Low ₹435High ₹580

Key fundamentals

Market cap
₹2,444 Cr
P/E ratio
5.1
P/B ratio
0.60
EPS (TTM)
₹76.01
ROE
Debt / Equity
3.18x
Profit margin
55.5%
Free cash flow
₹-923 Cr
52-week high
₹448.04
-12.81% from high
52-week low
₹336.6
Dividend yield
2.3%
Beta
0.41

SWOT snapshot

Strengths

  • Healthy profit margin (55.5%).

Weaknesses

  • High debt relative to equity.
  • Price below its 200-day moving average (downtrend).
  • Weak Piotroski score (2/9).

Opportunities

  • Revenue growing (13% YoY).
  • Trading in our value buy zone versus sector peers.
  • Trades ~100% below our estimated fair value.

About Repco Home Finance Limited

Repco Home Finance Limited operates as a housing finance company in India. The company offers dream home, composite, fifty plus, NRI housing, plot, Repco privilege, green and easy home, advantage, and home 25 loans. It also offers repair, renovation, extension, and multipurpose loans, including home makeover and super loans

More in Financial Services

Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.