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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Repco Home Finance Limited is an India-based Non-Banking Financial Company-Housing Finance Company (NBFC-HFC). The Company is engaged in financing the purchase and construction of houses. The Company provides loans for construction or purchase of residential property. The…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, steadily growing business, trading cheap versus its own history — carrying meaningful debt.
Repco Home Finance is scored on the nbfc / financials framework. It keeps a fat 25.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 12%/yr and profit at 15%/yr. Book value itself has compounded 16%/yr — the hallmark of a genuine compounder. Return on equity is a modest 11.5%. In the latest quarter profit fell 12% versus the prior quarter.
At 4× earnings, the stock sits at the 6th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-14%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 4.23 | 11.08 | better |
| P/B | 0.49 | 0.11 | worse |
| EV/EBITDA | 8.44 | — | — |
| ROE | 11.48 | 9.33 | better |
| ROCE | 9.35 | 8.78 | better |
| ROA | 2.69 | — | — |
| Quick Ratio | 1.06 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 12% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (15% vs 12%) — margin expansion is at work.
Operating margins have been stable around 32% — no major structural shift.
ROE at 11% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. 15% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (6% spread) — a predictable, non-seasonal revenue stream.
Profit fell 12% QoQ — one-quarter drops can be noise, but a pattern matters.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 37.1% — dispersed ownership; institutional flows drive the stock. MF holding up 2.3pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.