Repco Home Finance Limited has informed the Exchange about Transcript
REPCOHOME · price
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Repco Home Finance's new MD & CEO T. Karunakaran led the Q4 FY25 earnings call, highlighting FY25 loan book growth of 7% YoY to Rs. 14,492 crores, with highest-ever annual disbursements of Rs. 3,284 crores. Profit after tax rose 11% YoY to Rs. 439 crores, supported by a 5.15% NIM, 3.33% spread, 3.15% ROA, and 15.23% ROE. Asset quality improved materially with GNPA falling to 3.26% (from 3.81%) and net NPA at 1.32%, backed by SARFAESI auctions, OTS schemes, and stronger underwriting. Management guided FY26 AUM of Rs. 16,200 crores (12% growth), Rs. 4,000 crores in disbursements, spread of ~3.2%, ROA of 3.1%, and GNPA below 2.5%. The Board declared an increased dividend of Rs. 4/share (40% payout). The company is diversifying liabilities via NCDs and CPs, secured a Rs. 150 crore NHB sanction (targeting Rs. 500–700 crores more), and is in talks for a credit rating upgrade.
Positive for shareholders — strong asset quality improvement, growth acceleration guidance, higher dividend, and potential credit rating upgrade could support both stock price and investor confidence. Execution risk on the ambitious Rs. 25,000 crore AUM target by FY28 remains the key watchpoint.