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. In addition, the company provides new horizon, prosperity, commercial re… Read more
Repco Home Finance Limited (REPCOHOME) - Net Assets
Latest net assets as of September 2025: ₹36.11 Billion INR
Based on the latest financial reports, Repco Home Finance Limited (REPCOHOME) has net assets worth ₹36.11 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹153.10 Billion) and total liabilities (₹117.00 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹36.11 Billion |
| % of Total Assets | 23.58% |
| Annual Growth Rate | 26.84% |
| 5-Year Change | 62.2% |
| 10-Year Change | 255.78% |
| Growth Volatility | 43.39 |
Repco Home Finance Limited - Net Assets Trend (2007–2025)
This chart illustrates how Repco Home Finance Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Repco Home Finance Limited (2007–2025)
The table below shows the annual net assets of Repco Home Finance Limited from 2007 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹34.27 Billion | +14.79% |
| 2024-03-31 | ₹29.85 Billion | +15.30% |
| 2023-03-31 | ₹25.89 Billion | +13.07% |
| 2022-03-31 | ₹22.90 Billion | +8.38% |
| 2021-03-31 | ₹21.13 Billion | +15.45% |
| 2020-03-31 | ₹18.30 Billion | +17.19% |
| 2019-03-31 | ₹15.62 Billion | +17.57% |
| 2018-03-31 | ₹13.28 Billion | +38.24% |
| 2017-03-31 | ₹9.61 Billion | -0.25% |
| 2016-03-31 | ₹9.63 Billion | +17.86% |
| 2015-03-31 | ₹8.17 Billion | +10.72% |
| 2014-03-31 | ₹7.38 Billion | +16.33% |
| 2013-03-31 | ₹6.35 Billion | +109.23% |
| 2012-03-31 | ₹3.03 Billion | +22.41% |
| 2011-03-31 | ₹2.48 Billion | +27.06% |
| 2010-03-31 | ₹1.95 Billion | +24.93% |
| 2009-03-31 | ₹1.56 Billion | +15.58% |
| 2008-03-31 | ₹1.35 Billion | +184.71% |
| 2007-03-31 | ₹474.29 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Repco Home Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 637509.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹12.93 Billion | 37.73% |
| Common Stock | ₹625.60 Million | 1.83% |
| Other Comprehensive Income | ₹17.53 Billion | 51.15% |
| Other Components | ₹3.18 Billion | 9.29% |
| Total Equity | ₹34.27 Billion | 100.00% |
Repco Home Finance Limited Competitors by Market Cap
The table below lists competitors of Repco Home Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
NICE Holdings Co. Ltd
KO:034310
|
$156.66 Million |
|
Opus Genetics, Inc.
NASDAQ:IRD
|
$156.71 Million |
|
Indo Thai Securities Limited
NSE:INDOTHAI
|
$156.76 Million |
|
Jiangsu Daybright Intelligent Electric Co Ltd
SHE:300670
|
$156.79 Million |
|
Bergbahnen Engelberg Truebsee Titlis Bet AG
SW:TIBN
|
$156.62 Million |
|
Haibo Heavy Engineering Science and Technology Co Ltd
SHE:300517
|
$156.62 Million |
|
B2Holding ASA
LSE:0RIT
|
$156.59 Million |
|
CB Financial Services Inc
NASDAQ:CBFV
|
$156.54 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Repco Home Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 29,854,000,000 to 34,270,400,000, a change of 4,416,400,000 (14.8%).
- Net income of 4,614,800,000 contributed positively to equity growth.
- Dividend payments of 187,600,000 reduced retained earnings.
- Other comprehensive income increased equity by 17,516,700,000.
- Other factors decreased equity by 17,527,500,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹4.61 Billion | +13.47% |
| Dividends Paid | ₹187.60 Million | -0.55% |
| Other Comprehensive Income | ₹17.52 Billion | +51.11% |
| Other Changes | ₹-17.53 Billion | -51.14% |
| Total Change | ₹- | 14.79% |
Book Value vs Market Value Analysis
This analysis compares Repco Home Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.66x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 21.04x to 0.66x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2007-03-31 | ₹17.21 | ₹362.05 | x |
| 2008-03-31 | ₹39.48 | ₹362.05 | x |
| 2009-03-31 | ₹33.81 | ₹362.05 | x |
| 2010-03-31 | ₹44.47 | ₹362.05 | x |
| 2011-03-31 | ₹53.34 | ₹362.05 | x |
| 2012-03-31 | ₹65.30 | ₹362.05 | x |
| 2013-03-31 | ₹135.38 | ₹362.05 | x |
| 2014-03-31 | ₹118.39 | ₹362.05 | x |
| 2015-03-31 | ₹130.89 | ₹362.05 | x |
| 2016-03-31 | ₹154.18 | ₹362.05 | x |
| 2017-03-31 | ₹183.77 | ₹362.05 | x |
| 2018-03-31 | ₹212.18 | ₹362.05 | x |
| 2019-03-31 | ₹249.45 | ₹362.05 | x |
| 2020-03-31 | ₹292.34 | ₹362.05 | x |
| 2021-03-31 | ₹337.52 | ₹362.05 | x |
| 2022-03-31 | ₹365.81 | ₹362.05 | x |
| 2023-03-31 | ₹413.61 | ₹362.05 | x |
| 2024-03-31 | ₹476.90 | ₹362.05 | x |
| 2025-03-31 | ₹547.76 | ₹362.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Repco Home Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.47%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.64%
- • Asset Turnover: 0.11x
- • Equity Multiplier: 4.29x
- Recent ROE (13.47%) is below the historical average (16.06%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | 24.30% | 26.32% | 0.10x | 9.58x | ₹67.85 Million |
| 2008 | 11.53% | 22.61% | 0.09x | 5.46x | ₹20.66 Million |
| 2009 | 17.30% | 23.95% | 0.11x | 6.66x | ₹113.97 Million |
| 2010 | 22.74% | 27.10% | 0.11x | 7.66x | ₹248.45 Million |
| 2011 | 23.47% | 59.04% | 0.05x | 8.47x | ₹333.79 Million |
| 2012 | 20.27% | 52.40% | 0.04x | 9.40x | ₹311.34 Million |
| 2013 | 12.61% | 19.72% | 0.11x | 5.98x | ₹165.64 Million |
| 2014 | 14.92% | 20.57% | 0.11x | 6.42x | ₹362.88 Million |
| 2015 | 15.34% | 18.09% | 0.11x | 7.44x | ₹436.08 Million |
| 2016 | 15.99% | 17.47% | 0.11x | 8.07x | ₹577.35 Million |
| 2017 | 16.32% | 17.94% | 0.12x | 7.71x | ₹727.02 Million |
| 2018 | 15.83% | 18.96% | 0.11x | 7.34x | ₹774.67 Million |
| 2019 | 15.95% | 20.91% | 0.11x | 7.04x | ₹929.02 Million |
| 2020 | 16.29% | 22.11% | 0.11x | 6.58x | ₹1.15 Billion |
| 2021 | 14.21% | 21.82% | 0.11x | 5.88x | ₹889.24 Million |
| 2022 | 8.48% | 15.02% | 0.11x | 5.26x | ₹-348.87 Million |
| 2023 | 12.22% | 24.61% | 0.10x | 4.87x | ₹573.63 Million |
| 2024 | 13.84% | 27.27% | 0.11x | 4.62x | ₹1.15 Billion |
| 2025 | 13.47% | 27.64% | 0.11x | 4.29x | ₹1.19 Billion |
Industry Comparison
This section compares Repco Home Finance Limited's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $39,385,182,100
- Average return on equity (ROE) among peers: 12.36%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Repco Home Finance Limited (REPCOHOME) | ₹36.11 Billion | 24.30% | 3.24x | $156.65 Million |
| Aadhar Housing Finance Ltd (AADHARHFC) | $26.93 Billion | 0.00% | 4.06x | $588.72 Million |
| Aavas Financiers Limited (AAVAS) | $1.01 Billion | 18.81% | 7.40x | $497.55 Million |
| Aptus Value Housing Finance India Limited (APTUS) | $33.39 Billion | 15.06% | 1.15x | $898.91 Million |
| Bajaj Housing Finance (BAJAJHFL) | $36.58 Billion | 2.85% | 4.26x | $877.90 Million |
| Can Fin Homes Limited (CANFINHOME) | $1.74 Billion | 15.52% | 9.45x | $860.40 Million |
| GIC Housing Finance Limited (GICHSGFIN) | $4.66 Billion | 24.40% | 6.99x | $58.58 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $5.23 Billion | 8.75% | 3.75x | $950.21 Million |
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | $22.99 Billion | 10.77% | 1.52x | $357.03 Million |
| LIC Housing Finance Limited (LICHSGFIN) | $111.57 Billion | 17.41% | 12.53x | $1.73 Billion |
| PNB Housing Finance Limited (PNBHOUSING) | $149.74 Billion | 10.07% | 3.84x | $1.58 Billion |