Repco Home Finance Limited (REPCOHOME.NS) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+371.6%

₹1,518.86

vs ₹322.05 price

Levered DCF

-₹2,832.17

After debt service

Piotroski score

5 / 9

Average

Altman Z-score

—

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	4.79×	4.52×	6.72×	3.56×	5.69×	7.03×	2.46×	11.6×
P/B	0.56×	0.62×	0.93×	0.43×	0.48×	1×	0.4×	1.86×
P/S	1.28×	1.27×	1.83×	0.88×	0.85×	1.53×	0.54×	2.43×
EV / EBITDA	24.52×	21.34×	24.24×	9.49×	10.61×	9.81×	8.78×	11.16×
Gross margin	37.5%	36.0%	38.5%	45.5%	46.6%	41.3%	38.8%	39.6%
Operating margin	38.2%	92.7%	90.7%	86.2%	22.2%	87.5%	88.0%	90.7%
Net margin	26.8%	27.6%	27.3%	24.6%	15.0%	21.8%	22.1%	20.9%
Current ratio	4,354.03×	0×	0×	360.66×	427×	257.05×	226.8×	0×
Debt / equity	3.02×	3.25×	3.58×	3.83×	4.24×	4.84×	5.52×	5.96×
Interest coverage	0.69×	497.77×	693.95×	1.58×	0.42×	1.49×	1.44×	1.5×
Dividend yield	2.3%	0.9%	0.6%	1.4%	1.4%	0.7%	2.6%	0.6%
Payout ratio	11.2%	4.1%	4.1%	4.9%	8.1%	5.2%	6.3%	6.6%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	11.8%	13.5%	13.8%	12.2%	8.5%	14.2%	16.3%	16.0%
Return on invested capital	3.2%	7.1%	6.2%	5.5%	1.5%	5.8%	6.6%	5.7%
Return on assets	2.9%	3.1%	3.0%	2.5%	1.6%	2.4%	2.5%	2.3%
Free cash flow yield	-40.6%	18.9%	-25.5%	-33.0%	61.6%	40.1%	46.5%	-35.4%
Earnings yield	20.9%	21.7%	14.9%	28.1%	17.6%	14.2%	40.6%	8.6%
Enterprise value	₹141.9B	₹131.3B	₹131.3B	₹105.9B	₹102.1B	₹118.7B	₹105.2B	₹121.1B
Net debt / EBITDA	20.59×	17.88×	19.11×	8.48×	9.46×	8.07×	8.17×	8.5×
Cash conversion cycle (days)	-1	-0	1	1	563	540	1	0