Repco Home Finance Ltd

REPCOHOME NSE Financial Services Housing Finance Company
₹359.60
+1.64%
Delayed · cached 15 min

Fair value analysis

REPCOHOME
Repco Home Finance Ltd
Financial ServicesHousing Finance Company
₹353.80
Close used for this calculation
₹974.30Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
61/100
Profitability21/25
Returns11/25
Balance Sheet6/25
Efficiency23/25
Growth17/25
Good
Quality radar
61Prof.21/25Ret.11/25Eff.23/25B.Sht6/25Growth17/25

Consensus fair value

₹974.30
Below FV
▲ +175.4% against the close used
Model range ₹399.30 – ₹2,646.08
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹399.30Fair value₹974.30Bull₹2,646.08
FairClose
52-week traded range
52W low ₹336.6052W high ₹450.20

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Repco Home Finance Ltd closed at ₹353.80, 63.7% below the consensus fair value of ₹974.30 drawn from 9 valuation models.

Financial DNA score 61/100 — Good. P/E of 4.7x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹1,508.33
+326.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹1,048.74
+196.4%
√(22.5 × EPS × BVPS)
EPS=75.99, BVPS=643.27
Graham Formula
₹2,646.08
+647.9%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=14.5%, FD=7%
P/E Fair Value
₹1,010.67
+185.7%
EPS × 13.3x (sector P/E)
EPS=75.99, Sector P/E=13.3x
Peter Lynch (PEG)
₹1,101.86
+211.4%
EPS × Growth% (PEG = 1 is fair)
EPS=75.99, g=14.5%
Dividend Discount (DDM)
₹399.30
+12.9%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=7.39, r=10%, g=8%
Book Value (P/B)
₹1,029.24
+190.9%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=643.27, ROE=12.4%, g=6%, r=10%
Reverse DCF
₹353.80
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -10% | Historical: 14.5%
Margin of Safety
₹1,165.09
+229.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=1553.46, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.