Lends money for housing and related purposes to individual borrowers, primarily in Tamil Nadu. In FY26, total revenue from operations was Rs. 1,792 crore and net profit was Rs. 475.42 crore, with the entire segment revenue classified under 'housing related finance' (Rs. 1,793.9 crore). The loan book stood at Rs. 15,880 crore at the end of FY26, of which 71% is home loans (HL) and 29% is non-home loans (non-HL); 46% of borrowers are salaried and 54% are non-salaried. Tamil Nadu accounts for 60% of disbursements, with Karnataka, Andhra Pradesh, Telangana and Maharashtra being the other geographies. FY26 disbursements were a record Rs. 4,148 crore, up 26% year-on-year, and management has guided Rs. 5,000 crore of disbursements and Rs. 18,000 crore of AUM for FY27, with a longer-term AUM target of Rs. 25,000 crore by FY29. The company earns a net interest margin of 5.38% on a cost of funds of 8.56%, with a target spread of 3.2-3.25% for FY27. Asset quality improved during the year, with GNPA falling to 2.55% from 3.26% and stage-2 assets falling to 7% from 9.5%. Funding is raised through bank borrowings, NHB refinance, non-convertible debentures and commercial paper; the credit rating is AA-. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Housing related finance (100%), Others (0%). Asset-light housing finance company with a single business line, geographically concentrated in Tamil Nadu.
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 1,290 | 1,284 | 1,525 | 1,685 | 1,792 |
| EBITDA (ex other income) | 946 | 1,101 | 1,372 | 1,543 | 1,601 |
| margin % | 73.3 | 85.8 | 90.0 | 91.5 | 89.3 |
| Owners' profit | 194 | 316 | 0 | 0 | 475 |
| EPS, as reported (₹) | 31.03 | 50.56 | 66.55 | 73.76 | 75.99 |
| ROE % · ROCE % | 8.5 · — | 12.2 · — | 13.9 · — | 13.5 · — | 11.8 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 1,379 | 336 | 157 | (610) | (896) |
| Capex | (11) | (5) | (23) | (23) | (27) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 415 | 436 | 426 | 436 | 441 | 457 | 454 | 468 |
| Profit before tax | 149 | 144 | 154 | 146 | 139 | 149 | 148 | 148 |
| Net profit | 115 | 113 | 121 | 115 | 110 | 115 | 135 | 122 |
| EPS (₹) | 18.40 | 18.09 | 19.29 | 18.40 | 17.53 | 18.45 | 21.61 | 19.44 |
| Segment | Revenue, ₹ crore | Share % |
|---|---|---|
| a. Housing related finance | 1,353 | 75.4 |
| Housing related finance | 441 | 24.6 |
| Total, before eliminations | 1,794 | 100.0 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ HOUSING FINANCE LTD | 70,078 | 34.6 | 3.11 | — | 11.4 | — | — | 92.4 |
| LIC HOUSING FINANCE LTD |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 11 Sept 2026 · Whole-time Director and CDO Mr Vaidyanathan ceases from 16 Sept 2026 | management changes | high | — | — |
| 7 Sept 2026 · Repco Home Finance 26th AGM on Sept 29, 2026; Rs.3 dividend recommended | board shareholder meetings | low | — | — |
| 3 Sept 2026 · MD/CEO met analysts at Ashwamedh Elara India Dialogue 2026 | investor communications | low | — | — |
| 3 Sept 2026 · Newspaper publication for 26th AGM notice, e-voting and book closure | compliance | minimal | — | — |
| 3 Sept 2026 · Notice of 26th AGM, Annual Report FY2025-26 and book closure dates published in newspapers | compliance | minimal | — | — |
| 2 Sept 2026 · Repco Home Finance BRSR for FY 2025-26 filed with exchanges | general | medium | — | — |
| 2 Sept 2026 · Record date 22 Sep 2026 set for dividend and 26th AGM | corporate actions | high | — | — |
| 2 Sept 2026 · 26th AGM on Sep 29, 2026; final dividend of Rs 3 per share | board shareholder meetings | low | — | — |
| 2 Sept 2026 · Annual Report FY26 and 26th AGM Notice filed; meeting on 29 Sep | board shareholder meetings | medium | — | — |
| 26 Aug 2026 · Schedule of analyst/investor meet on 3 September 2026 | board shareholder meetings | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) |
| 30,982 |
| 5.4 |
| 0.75 |
| 1.1 |
| 13.5 |
| — |
| 7.7 |
| 97.1 |
| PNB HOUSING FIN LTD. | 30,721 | 13.3 | 1.60 | 3.5 | 11.9 | — | 2.3 | 91.6 |
| AADHAR HOUSING FINANCE L | 19,978 | 17.4 | 2.65 | 6.9 | 14.5 | — | — | 75.4 |
| SAMMAAN CAPITAL LIMITED | 17,203 | — | 0.91 | — | (37.6) | — | (3.8) | 101.8 |
| HOME FIRST FIN CO IND LTD | 12,386 | 21.2 | 2.84 | — | 12.4 | — | — | 78.3 |
| APTUS VALUE HSG FIN I LTD | 12,360 | 12.5 | 2.44 | 6.3 | 18.6 | — | — | 83.7 |
| CAN FIN HOMES LTD | 10,400 | 9.2 | 1.74 | — | 18.2 | — | — | 91.3 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 4.7 | 13.3 | 3 of 17 | 88% |
| P/B | 0.6 | 1.4 | 4 of 16 | 80% |
| ROE | 11.8 | 11.6 | 10 of 20 | 53% |
| Debt / Equity | 0.0 | 0.0 | 3 of 20 | 0% |
| EBITDA margin | 87.5 | 74.7 | 6 of 19 | 72% |
| Revenue growth | 7.4 | 9.0 | 13 of 19 | 33% |
| Profit growth | 5.6 | 19.3 | 15 of 20 | 26% |
| Market cap | 2264 | 7130 | 11 of 19 | 44% |
| A state: the latest filed quarter and the measured reactions |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
