Repco Home Finance's Q1 FY 2025-26 Quarterly Results

Result Summary

• Repco Home Finance Ltd reported a 11.0% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 5.9%.
• Its expenses for the quarter were up by 10.6% QoQ and 6.8% YoY.
• The net profit increased 1.3% QoQ and increased 2.3% YoY.
• The earnings per share (EPS) of Repco Home Finance Ltd stood at 18.4 during Q1 FY 2025-26.

Financial Statments for Q1 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Repco Home Finance Ltd is a prominent player in the housing finance sector. It primarily offers home loans for the purchase and construction of residential properties, home improvement loans, and loans against property. The company operates predominantly in India, catering to both salaried and non-salaried segments of the population. As of the latest update, there are no specific recent major developments or changes available to report. Repco Home Finance Ltd continues to focus on expanding its market presence and servicing the housing finance needs of its diverse customer base.

Revenue

In the first quarter of FY26, Repco Home Finance Ltd reported a total income of ₹440.70 crores, showcasing an 11.0% increase from the previous quarter (Q4FY25), where the income stood at ₹397.19 crores. Comparing year-over-year, the total income rose by 5.9% from ₹416.25 crores recorded in Q1FY25. These figures point to a steady increase in revenue generation over both the quarterly and annual periods, reflecting the company's operational performance and revenue growth during this timeframe.

Profitability

The profit before tax for Q1FY26 was ₹146.33 crores, representing a 5.5% increase from the previous quarter's profit of ₹138.67 crores and a 7.1% rise from the ₹136.60 crores reported in Q1FY25. The tax expenses for the current quarter amounted to ₹38.38 crores, which are up by 25.4% from Q4FY25 and by 23.2% compared to Q1FY25. As a result, the profit after tax reached ₹115.14 crores, marking a 1.3% increase quarter-over-quarter and a 2.3% increase year-over-year. Earnings per share also saw an uptick, moving from ₹18.20 in Q4FY25 to ₹18.40 in Q1FY26, a 1.1% change, and a 2.2% rise from ₹18.00 in Q1FY25.

Operating Metrics

During Q1FY26, Repco Home Finance Ltd recorded total expenses of ₹297.06 crores, which increased by 10.6% from Q4FY25 and by 6.8% year-over-year from Q1FY25. This rise in expenses is consistent with the overall increase in revenue. The company's operational efficiency can be assessed by observing the relationship between income and expenses, as well as the steady growth in profit before tax. The key financial metrics indicate stable earnings and an effective cost management strategy despite the increased tax burden, as seen in the significant rise in tax expenses over both the quarterly and yearly periods.