Repco Home Finance Limited
Valuation (97/100) does the heavy lifting; momentum (27/100) is the drag.
Buy zoneRepco Home Finance Limited earns a Buy from StocksWizard, with a blended score of 62/100. On 5.1x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 14% below its 52-week high of ₹448.04 and 14% above the low of ₹336.6. Financial health scores 72/100, with a Piotroski F-score of 2/9. The average analyst target of ₹490.71 implies about 27% upside across 7 analysts. It clears 5 of 10 investability checks, with durability 59, valuation 94 and momentum 27 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹616.16. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-14.05% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy62Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- Fail: Low debt (D/E < 0.5): 3.18x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 13%
- Pass: Earnings growing: 2%
- Pass: Net margin ≥ 10%: 55.5%
- No data: Current ratio > 1.5
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter37.1%
- Institutions30.8%
- Public & other32.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (55.5%).
Opportunities
- Revenue growing (13% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
About Repco Home Finance Limited
Repco Home Finance Limited provides housing loans in India under various product categories including standard home loans, composite loans, and specialized offerings for seniors, non-resident Indians, and plot purchases. The company also offers loans for property repair, renovation, extension, and multipurpose needs through products such as home makeover and super loans.
Repco Home Finance Limited — frequently asked questions
Is Repco Home Finance Limited a buy, hold or sell?
StocksWizard currently rates Repco Home Finance Limited (REPCOHOME) a Buy, based on a blended score of 62/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Repco Home Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates Repco Home Finance Limited's fair value at about ₹770.2, versus a current price of ₹385.1 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Repco Home Finance Limited financially healthy?
Repco Home Finance Limited scores 72/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Repco Home Finance Limited's share price performed?
Repco Home Finance Limited is down 6% over three months, and last traded at ₹385.1. Past performance doesn't predict future returns.
More in Financial Services
View allOur 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.