Repco Home Finance's Q2 FY 2025-26 Quarterly Results

Result Summary

• Repco Home Finance Ltd reported a 0.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 4.2%.
• Its expenses for the quarter were up by 2.6% QoQ and 4.6% YoY.
• The net profit decreased 4.8% QoQ and decreased 4.8% YoY.
• The earnings per share (EPS) of Repco Home Finance Ltd stood at 17.53 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

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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 company primarily engaged in providing housing finance services. The company operates within the financial services industry, focusing on offering loans for home purchases, construction, and renovations. As a housing finance company, it serves a diverse clientele ranging from individual homeowners to real estate developers. The company’s business model is largely driven by the demand for housing finance in various regions. There is no additional information on recent major developments for Repco Home Finance Ltd available in the provided data.

Revenue

For the quarter ended Q2FY26, Repco Home Finance Ltd reported a total income of ₹441.90 crores. This represents a slight quarter-over-quarter (QoQ) increase of 0.3% from ₹440.70 crores in Q1FY26. Comparing year-over-year (YoY), total income grew by 4.2% from ₹424.19 crores in Q2FY25. The growth in total income over the year suggests a steady increase in the company’s revenue-generating activities, reflecting perhaps an improvement in the company's lending operations or an increase in loan disbursements.

Profitability

The company’s profitability metrics indicate a decrease in profit before tax (PBT) and profit after tax (PAT) for Q2FY26. PBT was reported at ₹138.65 crores, marking a decline of 5.2% QoQ from ₹146.33 crores in Q1FY26 and a 6.9% decrease YoY from ₹148.97 crores in Q2FY25. The tax expense for Q2FY26 was ₹35.50 crores, showing a decrease of 7.5% QoQ and 11.8% YoY. PAT stood at ₹109.66 crores, which is a 4.8% decrease both QoQ and YoY from ₹115.14 crores and ₹115.13 crores respectively. These figures highlight a reduction in the company’s profitability margins over the observed periods.

Operating Metrics

In terms of operating metrics, the earnings per share (EPS) for Q2FY26 was reported at ₹17.53, which reflects a QoQ decrease of 4.7% from ₹18.40 in Q1FY26 and the same percentage decrease YoY from Q2FY25. The total expenses for Q2FY26 were ₹304.71 crores, which increased by 2.6% QoQ from ₹297.06 crores and 4.6% YoY from ₹291.24 crores. The increase in expenses indicates rising operational costs or increased provisioning for the company, which may have impacted overall profitability. These operating metrics provide insight into the company’s cost management and efficiency in converting income into profits over the quarter and year.