Repco Home Finance Ltd
NSE:REPCOHOME
Intrinsic Value
Repco Home Finance Ltd. is a housing finance company, which engages in the provision of long term loan financing for acquisition and construction of residential purposes. [ Read More ]
The intrinsic value of one
REPCOHOME
stock under the Base Case scenario is
1 014.68
INR.
Compared to the current market price of 526.05 INR,
Repco Home Finance Ltd
is
Undervalued by 48%.
REPCOHOME could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
Repco Home Finance Ltd's market capitalization is 32.9B INR.
REPCOHOME stock price is 526.05 INR.
REPCOHOME stock price (526.05 INR) is 48% less than its Intrinsic Value (1 014.68 INR).
REPCOHOME stock price (526.05 INR) is 64% less than its Relative Value (1 456.16 INR). Open Relative Valuation
REPCOHOME has downside potential of 6% compared to the average analyst price target.
Open Wall St Estimates
REPCOHOME's ROE (Return on Equity) has decreased in the last 3 years from 15% to 15%.
REPCOHOME's ROIC (Return on Invested Capital) has increased in the last 3 years from 2% to 3%.
REPCOHOME's Revenue has been growing by 2% per year for the last 3 years.
REPCOHOME's ROE (Return on Equity) for the past 12 months is positive and is equal to 15%.
REPCOHOME's Revenue has grown by 17% over the past 12 months.
REPCOHOME has positive three-year average ROE (Return on Equity): 13%. The company is efficient at transforming stockholders' equity into net income.
REPCOHOME's long-term assets (129B INR) exceed its long-term liabilties (102B INR).
REPCOHOME's ROIC (Return on Invested Capital) for the past 12 months is very low and is equal to 3%.
REPCOHOME has positive Net Income for the last twelve months.
REPCOHOME has a very low three-year average ROIC (Return on Invested Capital): 3%. The company is not efficient at using invested capital to generate operating income.
REPCOHOME's Revenue is forecast to fall at a rate of 13% per year over the next 3 years.
REPCOHOME has positive Operating Income for the last twelve months.
REPCOHOME has positive Gross Profit for the last twelve months.
REPCOHOME has negative Free Cash Flow for the last twelve months.
REPCOHOME's D/E (Debt to Equity) is very high and is equal to 3.63.
REPCOHOME has positive Net Debt. This means that the company has more debt (100B INR) than cash and short-term investments (3B INR).
REPCOHOME's short-term assets (3B INR) exceed its short-term liabilties (13m INR).
REPCOHOME's Altman Z-Score is very low and is equal to 0.68.
REPCOHOME doesn't generate enough operating income (5B INR) to safely cover interest payments on its debt (-3B INR).
Valuation Backtest
Repco Home Finance Ltd
Run backtest to discover the historical profit from buying and selling
REPCOHOME
stocks based on their intrinsic value.
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Fundamental Analysis
Repco Home Finance Ltd
Balance Sheet Decomposition
Repco Home Finance Ltd
| Current Assets | 3B |
| Cash & Short-Term Investments | 3B |
| Non-Current Assets | 126.3B |
| Long-Term Investments | 1.3B |
| PP&E | 406.5m |
| Intangibles | 132.2m |
| Other Non-Current Assets | 124.5B |
| Current Liabilities | 12.5m |
| Accounts Payable | 12.5m |
| Non-Current Liabilities | 101.6B |
| Long-Term Debt | 100.5B |
| Other Non-Current Liabilities | 1.2B |
Earnings Waterfall
Repco Home Finance Ltd
|
Revenue
|
14.7B
INR
|
|
Cost of Revenue
|
-8.1B
INR
|
|
Gross Profit
|
6.6B
INR
|
|
Operating Expenses
|
-1.6B
INR
|
|
Operating Income
|
5B
INR
|
|
Other Expenses
|
-1.1B
INR
|
|
Net Income
|
3.9B
INR
|
Free Cash Flow Analysis
Repco Home Finance Ltd
REPCOHOME Profitability Score
Profitability Due Diligence
Repco Home Finance Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
Score
Repco Home Finance Ltd's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
REPCOHOME Solvency Score
Solvency Due Diligence
Repco Home Finance Ltd's solvency score is 26/100. The higher the solvency score, the more solvent the company is.
Score
Repco Home Finance Ltd's solvency score is 26/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
REPCOHOME Price Targets Summary
Repco Home Finance Ltd
According to Wall Street analysts, the average 1-year price target for
REPCOHOME
is 493.11 INR
with a low forecast of 363.6 INR and a high forecast of 561.75 INR.
Shareholder Return
REPCOHOME Price
Repco Home Finance Ltd
| Average Annual Return | -12.35% |
| Standard Deviation of Annual Returns | 17.19% |
| Max Drawdown | -79% |
| Market Capitalization | 32.9B INR |
| Shares Outstanding | 62 561 400 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
Repco Home Finance Ltd
Country
Industry
Market Cap
Dividend Yield
Description
Repco Home Finance Ltd. is a housing finance company, which engages in the provision of long term loan financing for acquisition and construction of residential purposes. The company is headquartered in Chennai, Tamil Nadu and currently employs 898 full-time employees. The company went IPO on 2013-04-01. The company is engaged in financing the purchase and construction of houses. Its segments include individual home loans and loans against property (LAP). The company provides a variety of home loan products to individual borrowers in both salaried and non-salaried. Its products include Dream Home Loan, Home Makeover Loan, Plot loan, non-resident Indian (NRI), Housing Loan, Prosperity loan New Horizon Loan, Commercial Real Estate (CRE) Loan, and Composite Loan. The company provides Repco special loans, such as Fifty Plus Loan, Super Loan, Repco Bonanza 2020, Repco Nivaran 2020, and Repco Privilege Loan (Takeover/ BT + Top-up Loan). The company operates through 155 branches and 24 satellite centers. Its retail network is spread across Tamil Nadu, Karnataka, Andhra Pradesh, Telangana, Kerala, Maharashtra, Odisha, West Bengal, Gujarat, Madhya Pradesh, Jharkhand, Rajasthan, and the Union Territory of Puducherry.
Contact
IPO
Employees
Officers
The intrinsic value of one
REPCOHOME
stock under the Base Case scenario is
1 014.68
INR.
Compared to the current market price of 526.05 INR,
Repco Home Finance Ltd
is
Undervalued by 48%.
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