Models
REPCO HOME FINANCE LTDREPCOHOMEFinance
₹491per share · Base Model Note
Revenue growth, the horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.
Scenario
Value per share, your model₹491implied P/B 0.76× on FY26 book
Against CMP ₹361.90+35.6%close of 2026-09-10
Cost of equity13.49%risk-free + beta × equity risk premium
Book equity, FY26₹646per share · excess returns add ₹(155)
This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.
Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity
| ₹ crore | FY27 | FY28 | FY29 | FY30 | FY31 |
|---|---|---|---|---|---|
| Opening book equity | 4,041 | 4,464 | 4,932 | 5,449 | 6,020 |
| Net income at 11.8% ROE | 477 | 527 | 582 | 643 | 710 |
| Cost of equity charge at 13.49% | (545) | (602) | (665) | (735) | (812) |
| Excess return | (68) | (75) | (83) | (92) | (102) |
| Present value | (64) | (62) | (61) | (59) | (57) |
| Closing book equity | 4,464 | 4,932 | 5,449 | 6,020 | 6,651 |
| Book equity today | 4,041 |
| PV of 5 years of excess return | (303) |
| PV of the terminal excess return, 5% flat | (667) |
| add non-operating investments | 0 |
| Equity value | 3,070 |
| ÷ 6.26 crore shares | ₹491 |
ROE is at or below the cost of equity, so every year destroys value against book and the model lands below book value. That is the arithmetic, not a view.
Where the methods land · ₹ per share · the dashed line is the CMP
52-week rangetraded range, a fact not a value
₹334₹456
Scenarios side by side · ₹ per share
| Scenario | Template | Growth | Margin | Rate | Terminal | ₹ / share | vs CMP |
|---|---|---|---|---|---|---|---|
| Base · editing | Excess return | ROE 11.8% | — | 13.49% | 5% | ₹491 | 35.6% |
A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.