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Repco Home Finance
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Company History
Repco Home Finance Ltd (RHFL) is a professionally managed housing finance company head quartered in Chennai, Tamil Nadu. The company is registered as a housing finance company with the NHB. The company is present in 2 segments - individual home loans and loans against property (LAP). The company provides a variety of tailor-made home loan products to individual borrowers in both salaried and non-salaried (self employed professional and self employed non-professional) segments to suit various requirements. The company provides loans for construction or purchase of house property, for repair and renovation/extension of existing property, for purchase of plots and loans against property.
The company's distribution network comprises of 131 branches and 29 satellite center spread in 11 states and a union territory. The company's retail network is spread across states of Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand and the Union Territory of Puducherry.
The company was incorporated in April 4th, 2000 to tap the growth potential in the housing finance market. The company received certificate of commencement of business on May 2, 2000.
In March 2013, Repco Home Finance raised Rs.270 crore by public issue of 15,720,262 equity shares of Rs.10 each at price of Rs.172 per share (premium of Rs.162 per share). The shares got listed both in National Stock Exchange and Bombay Stock Exchange on April 1, 2013.
During the financial year ended 31 March 2014, the company's loan approvals stood at Rs. 1,822.52 crore as compared to Rs. 1,284.83 crore in the previous year registering a growth of 41.85%. Loan disbursements during the year were Rs. 1,715.26 crore as compared to Rs. 1,167.41 crore in the previous year representing a growth of 46.93%. With the continued support of National Housing Bank (NHB), the company availed refinance amounting to Rs.100.00 crore during the year under review. The company borrowed Rs.1673.00 crore from banks during the year as compared to Rs.868.00 crore during the previous year. In September 2013, credit rating agency ICRA upgraded long term rating assigned to company's Term Loans from Banks from [ICRA] A+ to [ICRA] AA-
During the year under review, the company made an additional investment of Rs. 4.40 crore in its associate company Repco Micro Finance Limited.During the year, Repco converted 9 satellite centers into branches and opened 9 new branches and 21 new satellite centers taking the total network to 91 branches and 31 satellite centers. As part of its contiguous expansion strategy, the company entered the state of Madhya Pradesh (MP) during the year by opening up its first branch in Indore.
During the financial year ended 31 March 2015, the company's loan approvals stood at Rs.2,398.88 crore as compared to Rs.1,822.51 crore in the previous year registering a growth of 31.63%. During the year under review, the Company disbursed loans to the extent of Rs. 2,181.15 crore as against Rs.1,715.26 crore in the previous year, a growth of 27.16%. During the year, the company received a refinance sanction of Rs. 300 crore (previous year 'NIL') from National Housing Bank. The company availed refinance from National Housing Bank aggregating to Rs.450 crore (previous year Rs.100 crore). In its continuing efforts to reduce the cost of fund, the Company during the year, started mobilising funds through issuing Secured, Redeemable, NonConvertible, Non-Cumulative, Taxable Debentures (SRNCD) and Commercial Paper (CP). During the year, the company has issued SRNCDs aggregating to Rs.100 crore (previous year 'NIL') with a coupon rate of 9.55% per annum and tenor of three years.
During the year, the company converted 8 satellite centers into branches and opened 7 new branches directly and 13 new satellite centers taking the total network to 106 branches and 36 satellite centers. As part of its contiguous expansion strategy, the company entered the state of Jharkhand during the year by opening up its first branch in Ranchi.
During the financial year ended 31 March 2016, the company's loan approvals stood at Rs.3,082.76 crore as compared to Rs.2,398.88 crore in the previous year registering a growth of 28.51%. During the year under review, the Company disbursed loans to the extent of Rs. 2,851.20 crore as against Rs.2,181.15 crore in the previous year, a growth of 30.72%. During the year the company received a refinance sanction of Rs. 500 crore (previous year Rs. 300 crore) from National Housing Bank. In its continuing efforts to reduce the cost of fund, the company during the year, started mobilising funds through issuing Secured, Redeemable, Non-Convertible, Non-Cumulative, Taxable Debentures (SRNCD) and Commercial Paper (CP). During the year, the company issued SRNCDs aggregating to Rs.300 crore (previous year Rs.100 crore). During the year, the company raised funds amounting to Rs.1250 crore (previous year Rs.110 crore) by way of issuance of commercial paper.
During the year, the company converted 7 satellite centers into branches, opened 2 new branches and 8 new satellite centers and closed down 2 satellite centers taking the total network to 115 branches and 35 satellite centers. The company didn't venture into a new state during the year with a view to consolidate in existing regions. The company employed direct sales agents (DSAs) in some branches of Maharashtra and a few other select locations during the year.
During the year under review, credit rating agency CARE upgraded ratings assigned to company's new and old Term Loans from banks and non-convertible debentures facilities to AA. The company's shareholders at the 15th AGM held in September 2015 approved new borrowings facilities from banks and by way of non-convertible debentures and commercial papers.
During the financial year ended 31 March 2017, the company's total loan approvals stood at Rs. 2,875.75 crore as compared to Rs.3082.76 crore in the previous year. During the year under review, the company disbursed loans to the extent of Rs.2,642.39 crore as against Rs.2,851.20 crore in the previous year. During the year the Company availed a refinance of Rs. 500 crore from National Housing Bank. In its continuing efforts to reduce the cost of fund, the Company during the year, the company issued Secured Non Convertible Debentures SRNCDs aggregating to Rs.385 crores (previous year Rs.300 crores). During the year, the company raised funds amounting to Rs. 1,400 crores (previous year Rs.1250 crores) by way of issuance of commercial paper.
During the year, the company converted 8 satellite centers into branches, opened 2 new branches and 4 new satellite centers, taking the total network to 125 branches and 32 satellite centers. The company didn't venture into a new state during the year with a view to consolidate in existing regions. The company employed direct sales agents (DSAs) in some branches of Tamil Nadu, Maharashtra and Gujarat during the year.
During the financial year ended 31 March 2018, the company's total loan approvals stood at Rs.3,079.26 crore as compared to Rs. 2,875.75 crore in the previous year. During the year under review, the company disbursed loans to the extent of Rs.2,806.51 crore as against Rs.2,642.39 crore in the previous year. During the year, the company issued Secured Non Convertible Debentures (SRNCDs) aggregating to Rs. 652 crores (previous year Rs. 385 crores). In order to meet liquidity requirements, the company took advantage of favorable rates available in the money market by issuing commercial papers (CPs) to the tune of Rs.2,350 Crs during the financial year.
During the year, the company converted 3 satellite centers into branches, opened 3 new branches and 1 new satellite center, taking the total network to 131 branches and 29 satellite centers. The company didn't venture into a new state during the year with a view to consolidate in existing regions. The company employed direct sales agents (DSAs) in some branches of Tamil Nadu, Maharashtra and Gujarat during the year.
Repco Home Finance Share Price
Repco Home Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Repco Home Finance Market Cap
Market capitalization of Repco Home Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Repco Home Finance is valued compared to its competitors.
Repco Home Finance PE Ratio
Repco Home Finance PE ratio helps investors understand what is the market value of each stock compared to Repco Home Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
Repco Home Finance PEG Ratio
The PEG ratio of Repco Home Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Repco Home Finance ROE (Return on Equity)
Return on Equity (ROE) measures how effectively Repco Home Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Repco Home Finance ROCE (Return on Capital Employed)
Return on Capital Employed (ROCE) evaluates the profitability of Repco Home Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Repco Home Finance Total Debt
Total debt of Repco Home Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
Repco Home Finance Debt to Equity Ratio
The Debt-to-Equity (DE) ratio of Repco Home Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
Repco Home Finance CAGR (Compound Annual Growth Rate)
CAGR shows the consistent growth rate of Repco Home Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Repco Home Finance Technical Analysis
Technical analysis of Repco Home Finance helps investors get an insight into when they can enter or exit the stock. Key components of Repco Home Finance Technical Analysis include:
Support Levels (S1, S2, S3)
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
Resistance Levels (R1, R2, R3)
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Repco Home Finance shares often struggle to rise above due to selling pressure.
Repco Home Finance Dividends
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Repco Home Finance ’s financial health and profitability.
Repco Home Finance Bonus Shares
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Repco Home Finance Stock Split
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
Repco Home Finance Financials
The financials of Repco Home Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
Repco Home Finance Profit and Loss Statements
The profit and loss statement of Repco Home Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Repco Home Finance .
Repco Home Finance Balance Sheet
The balance sheet presents a snapshot of Repco Home Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Repco Home Finance Cashflow Statements
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.
Repco Home Finance Net Interest Margin (NIM)
Repco Home Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.
Repco Home Finance Non-Performing Assets (NPA) Ratio
Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.
Repco Home Finance Capital Adequacy Ratio (CAR)
Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.
Repco Home Finance Gross NPA
Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.
Repco Home Finance Net NPA Ratio
Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.
Repco Home Finance CASA Ratio
CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.
SEBI REGISTERED RESEARCH ANALYST REGISTRATION NUMBER: INH000015729Disclaimer: "Investments in securities are subject to market risks. Read all the related documents carefully before investing." Receiving registration from SEBI and certification from NISM does not assure the performance of the intermediary or guarantee returns to investors in any manner. Compliance/Complaints Email: [email protected]
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