Housing Finance / Non-Banking Financial Company (NBFC-HFC)
Strategic Profile
The company has strong brand presence in South India, especially in Tamil Nadu, complemented by a loyal customer base. The company focuses on Tier-2/3 markets, affordable housing, and self-employed segment with aim to enhance ROE steadily.
Cyborg Score Rationale
The company has delivered poor sales growth of 5.00% over past five years. While loan book growth of ₹1,50,334Mn (+8% YoY) with GNPA reduced to 3.2% shows improvement, concerns linger regarding the high percentage of stage 2 assets.
Top Insights
Q2 FY26 net profit declined to ₹1.06B from ₹1.12B YoY while Q2 revenue rose to ₹4.45B compared to ₹4.28B YoY
Company demonstrated robust financial performance in Q1 FY2026, achieving record disbursements and sanctions while announcing 25% interim dividend
Strong regional presence with 168 branches and 44 satellite centers as of March 2024, primarily concentrated in South India
Attractive valuation metrics with PE ratio of 4.76 and PB ratio of 0.64, trading at discount to peers
Named Competitors
Home Loans — Large diversified consumer finance player
Home Loans — Largest NBFC in India by assets
Home Loans — Established NBFC with housing finance presence
Recent Developments
(December 2025) MD appointment - Mr. Paiyur Kuppuraman Vaidyanathan appointed as Whole-time Director
(August 2025) Interim dividend - 25% dividend announced reflecting shareholder value commitment
(September 2025) ESG ratings - Assigned CRISIL ESG 60 and 73.2 scores by rating agencies
(November 2025) Q2 FY26 results - Loan book at ₹150,334Mn (+8% YoY), GNPA at 3.2%
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