Repco Home Finance Limited has informed the Exchange about Investor Presentation
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Repco Home Finance Limited shared its earnings presentation for Q4 FY25 and the full financial year ended March 31, 2025. The loan book grew to Rs. 1,44,918 million, up 7% YoY from Rs. 1,35,134 million. Net profit for FY25 rose 11% YoY to Rs. 4,394 million, while Q4 FY25 net profit grew 6% YoY to Rs. 1,149 million. Total income for FY25 was Rs. 17,246 million (up 12% YoY). Asset quality improved notably with GNPA falling to 3.26% from 4.08% YoY, and stage-2 assets declining to 9.73%. Loan sanctions for FY25 stood at Rs. 35,189 million versus Rs. 33,400 million in FY24. The company maintained a capital adequacy ratio of 34.70% and AA-/Stable credit rating from CARE and ICRA. The branch network expanded to 233 branches across 12 states. Promoter holding stands at 37.1%, with mutual funds holding 19.3%.
The results show steady growth in loan book and profitability, alongside meaningful improvement in asset quality, which is positive for shareholders. However, the cost of funds rose from 8.3% to 8.7%, putting some pressure on spreads, even though NIMs were held steady at 5.2%.