Repco Home Finance Limited has informed the Exchange about Investor Presentation
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Repco Home Finance has shared a revised Q4FY25 investor presentation detailing its FY25 performance. Loan sanctions rose 5% to Rs. 35,189 million and disbursements grew 5% to Rs. 32,842 million. Total income for FY25 stood at Rs. 17,246 million, up 12% YoY, with net profit up 11% to Rs. 4,394 million. The overall loan book reached Rs. 1,44,918 million, growing 7% YoY. Asset quality improved meaningfully, with GNPA falling to 3.26% from 4.08% a year earlier, and Stage-2 assets declining to 9.73% from 11.55%. NIM held steady at 5.2% while spread compressed slightly to 3.3% from 3.4%, as borrowing costs rose to 8.7%. Capital adequacy remained strong at 34.70% with credit ratings of AA-/Stable from both CARE and ICRA. The company operates 189 branches across 12 states and 1 union territory.
The presentation reinforces a steady growth story with improving asset quality and stable margins, which should be viewed positively by shareholders. However, the slight spread compression due to rising funding costs is a watchpoint for future quarters.