Share price
₹386.75 latest close · −10.8% over the last 90 sessions
₹386.75 month-end · −7.4% over 12 months
₹386.75 month-end · −2.1% over 3 years
₹386.75 month-end · −3.5% since Jan '19
52-week range ₹294.05 to ₹455.90 · 1-year volatility 32.8%
Was the rally earned?
Earnings helped, the multiple did not.
- Per-share earnings added 4 points, but investors now pay less per rupee of profit (P/E 5.6x to 5.0x), which took 11 points back.
- The share count barely moved.
- The share price was roughly flat over 3 years (-2%).
- The share count barely moved.
Mostly yes, with a catch.
- Per-share earnings added 54 points, but investors now pay less per rupee of profit (P/E 6.3x to 5.0x), which took 25 points back.
- The share count barely moved.
What do "pts" mean?
"pts" are percentage points of the share price return. The parts add up to the total shown for each period. Because price = P/E × net profit ÷ share count, higher profit pushes the price up, a higher P/E pushes it up, and more shares push it down.
Example: if the price rose 34% and profit growth accounts for +58 pts while a lower P/E accounts for -24 pts, then 58 - 24 = 34. The +58 is not the profit growth rate itself: it is the part of the price move that profit growth explains.
Net profit is trailing twelve months as reported with a 60-day lag.
How rough has the ride been?
Drawdown from peak
Largest drawdowns
-80.5% (2019-03 peak to 2020-05 low, recovered 2024-02)
-46.6% (2024-07 peak to 2026-10 low, not yet recovered)
-29.3% (2019-01 peak to 2019-02 low, recovered 2019-03)
Most recent volume spikes
2026-11-09: 96.5x the 50-day median, price +11.9% that day
Beta is the slope of daily returns against a market-cap-weighted index of the sector's other listed companies, built from today's constituents (so it excludes companies no longer listed).
Is it expensive against its own past and its peers?
Usual range 0.5x to 1.3x since 2019-01.
60% below the Finance median.
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How to read this
Shaded band: 10th to 90th percentile of the company's own P/B history; dotted line: its median; orange line: sector median (companies with a positive multiple, at least 5 in the sector).
Sector figures are built from today's listed companies, so they exclude companies that are no longer listed.
Where does it rank among Finance peers?
Each cell is the company's percentile rank among its Finance peers (banks and financial companies) that month.
Darker is better-ranked.
Rows marked ↓ are inverted (lower debt, shorter cash cycle and a lower P/E rank higher).
Where it ranks today
- ROE (approx.)56th▼ 11 pts vs a year ago
- EPS growth28th▼ 20 pts vs a year ago
- P/B ↓88thflat vs a year ago
- 12M momentum50th▲ 25 pts vs a year ago
- FII + DII77th▲ 9 pts vs a year ago
Rank history
Percentiles use today's listed companies in the sector and need at least 5 peers with a value; grey cells have too few.
ROE is computed from net profit and book value where the source does not report it.
The Finance sector page Watch it move against Finance in the Observatory
What is the price implying?
At normalised P/E (five-year average earnings) of 6.5x, a holder earning 12%/yr needs earnings to grow about 2.5%/yr for 10 years, then trade at 15x.
Over time
Implied growth by month (solid) and delivered growth (dashed).
Change the assumptions
| Exit P/E / return | 11% | 12% | 13% |
|---|---|---|---|
| 12x | 3.8% | 4.7% | 5.6% |
| 15x | 1.5% | 2.5% | 3.4% |
| 20x | −1.3% | −0.4% | 0.5% |
Drag a slider to test other assumptions
Implied: 2.5%/yrLooking back
- Jan 2020Price implied 5%/yr; EPS has since grown 10%/yr (7.0 yrs)
- Jan 2021Price implied −0%/yr; EPS has since grown 8%/yr (6.0 yrs)
- Jan 2022Price implied 1%/yr; EPS has since grown 10%/yr (5.0 yrs)
Past comparisons cover only companies listed today (survivorship bias) and say nothing about future outcomes.
“Implied growth” is what the current price would require under our stated assumptions, not what we expect. How this is calculated and the market-wide lists.
What prices imply across Finance The market-wide Expectations lists
Key figures
- Share Priceclose 9 Nov
- ₹386.75
- P/E
- 5.0x
- Market Cap
- ₹2420 cr
- Revenue (TTM)
- ₹1820 cr
- P/S
- 1.3x
- P/B
- 0.6x
- ROE
- 12.0%
- Debt / Equity
- 3.0x
- Promoter Holding
- 37.1%
- 12M Momentum
- -7.4%
52-week range
Price risk
Balance sheet & cash
Are profits backed by cash?
Tax rate26%Within range
Median quarterly effective tax rate over about 2.5 years: 25.5%. Bands: 15% to 35%, 5% to 15% or 35% to 50%, outside 5% to 50%.
Tap a check to see how it is measured
Cash conversion and receivable days are not meaningful for banks and NBFCs, so only the other-income and tax-rate checks are shown.
How to read this
Each check is a named rule with fixed thresholds, not a score. Annual statements are the latest restated figures, so a past year may differ from what was originally reported.
Who has been buying and selling?
- Over 2 years, DIIs added 7.0 pts; FIIs trimmed 1.4 pts.
- The number of shareholders rose from 41,571 to 49,320 (+19%) between Dec 2023 and Jun 2026.
Holdings, Jun '26
How each group changed
Number of shareholders
Quarterly shareholding as reported, labelled by the quarter it covers (it becomes visible about two months later).
Shareholder counts are only available for recent quarters.
What happened next to similar setups
- We found 50 past situations where a bank, NBFC or insurer looked like REPCO HOME FINANCE LIMITED today on valuation, return on capital, growth, price momentum, size and volatility.
- Over the following 12 months the middle half of them returned −15% to +34% vs the market, against −2% for all financial companies in the same months.
- The analogs' median sat above that base rate (gap +10.1%, 80% range +3.5% to +23.9%), but the matches cluster in only 6 distinct 12-month windows.
Where the 50 outcomes landed
Each dot is one past situation (hover or tap for details) · Solid dots are the closest matches, listed below · Shaded is the middle half of all companies in the same months · 7 beyond the range shown, drawn at the edge
50 past situations · 50 companies · 34 months · 2020–2025
The closest matches
| Company | When | P/E | P/B | 12M mom. | Drawdown | Next 12 months |
|---|---|---|---|---|---|---|
| SOUTHBANK Finance |
Mar 2025 | 5x | 0.7x | −15% | −26% | +52% |
| KTKBANK Finance |
Sep 2021 | 4x | 0.3x | +68% | −7% | +15% |
| PFS Finance |
Mar 2020 | 3x | 0.3x | −50% | −55% | +27% |
| GICHSGFIN Finance |
Aug 2022 | 4x | 0.5x | +1% | −13% | +11% |
| INDIANB Finance |
Jan 2021 | 6x | 0.2x | −15% | −15% | +30% |
Show the other 3 matches
How reliable is this?
Matched on P/E, P/B, ROE, revenue growth, 12-month momentum, drawdown from 12-month high, size and volatility. Closest on: 12-month momentum, ROE and drawdown from 12-month high. One match per company and at most 7 from any one month.
Independent periods: the matches fall in 6 distinct 12-month windows. Matches from nearby months share the same market conditions, so fewer windows means less evidence.
What else looks like this?
Companies with the most similar financial profile today, regardless of industry.
Similarity is statistical, based on reported metrics; it does not imply similar business quality or future returns.
What changed?
30 events since Jun '21
- NovPriceVolume reached 96.5x its 50-day median on 2026-11-09; price +11.9% that day.
- OctPriceFell 47% from the Jul 2024 peak to the Oct 2026 low.
- OctValuationP/B fell below the 10th percentile of its own history to date (0.5x).
- JunInstitutionsFII + DII holding rose 3.0 pts over 2 quarters to 37.6%.
- JunPriceVolume reached 17.1x its 50-day median on 2026-06-25; price +7.4% that day.
- OctPriceVolume reached 5.7x its 50-day median on 2025-10-07; price +5.9% that day.
- SepPeer rankSlipped to the 3rd quartile of Finance on EPS growth (from the 2nd quartile).
- AugPriceVolume reached 7.2x its 50-day median on 2025-08-12; price -0.8% that day.
Show 22 earlier events
- JunPriceVolume reached 6.5x its 50-day median on 2025-06-09; price -0.3% that day.
- SepPriceVolume reached 10.0x its 50-day median on 2024-09-13; price +2.8% that day.
- JunResultsRevenue (TTM) reached a new high of ₹1,524 cr.
- JunPeer rankMoved into the 2nd quartile of Finance on ROE (from the 3rd quartile).
- JunPriceVolume reached 8.1x its 50-day median on 2024-06-10; price +9.1% that day.
- FebPriceRegained the 2019-03 peak, 45 months after the low.
- FebPriceVolume reached 10.6x its 50-day median on 2024-02-02; price +0.5% that day.
- JanPeer rankSlipped to the 3rd quartile of Finance on ROE (from the 2nd quartile).
- NovPriceVolume reached 18.0x its 50-day median on 2023-11-07; price +9.0% that day.
- AugPriceVolume reached 7.2x its 50-day median on 2023-08-09; price +10.8% that day.
- JunResultsYear-on-year EPS growth turned positive.
- JunPeer rankMoved into the 2nd quartile of Finance on ROE (from the 3rd quartile).
- MayPriceVolume reached 22.6x its 50-day median on 2023-05-30; price +10.4% that day.
- MarPriceVolume reached 5.4x its 50-day median on 2023-03-22; price +1.2% that day.
- NovPriceVolume reached 6.3x its 50-day median on 2022-11-14; price +10.0% that day.
- AugPriceVolume reached 37.6x its 50-day median on 2022-08-19; price +20.0% that day.
- JunResultsYear-on-year EPS growth turned negative.
- JunPeer rankSlipped to the 3rd quartile of Finance on ROE (from the top quartile).
- JunPriceVolume reached 11.5x its 50-day median on 2022-06-24; price +15.0% that day.
- MayValuationP/B fell below the 10th percentile of its own history to date (0.4x).
- FebPriceVolume reached 8.6x its 50-day median on 2022-02-18; price +0.2% that day.
- JunResultsRevenue (TTM) reached a new high of ₹1,376 cr.
Events are generated from the data by fixed rules.
The month shown is when the change became visible in the reported figures, assuming a 60-day lag after each quarter end; it is not an announcement date.
Where price and fundamentals disagree, market-wide Rewind the whole market to any month
Monthly history95 months · 2019-01 to 2026-11
| Month | P/E | Revenue (TTM) | ROE | Debt / Equity |
|---|---|---|---|---|
| 2026-11 | 5.0x | ₹1820 cr | 12.0% | 3.0x |
| 2026-10 | 4.1x | ₹1820 cr | 12.0% | 3.0x |
| 2026-09 | 4.4x | ₹1820 cr | 12.0% | 3.0x |
| 2026-08 | 4.8x | ₹1792 cr | 12.0% | 3.0x |
| 2026-07 | 5.1x | ₹1792 cr | 12.0% | 3.0x |
| 2026-06 | 5.5x | ₹1792 cr | 12.0% | 3.0x |
| 2026-05 | 5.2x | ₹1764 cr | 14.0% | 3.1x |
| 2026-04 | 5.5x | ₹1764 cr | 14.0% | 3.1x |
| 2026-03 | 4.7x | ₹1764 cr | 14.0% | 3.1x |
| 2026-02 | 5.2x | ₹1752 cr | 14.0% | 3.1x |
| 2026-01 | 5.5x | ₹1752 cr | 14.0% | 3.1x |
| 2025-12 | 5.7x | ₹1752 cr | 14.0% | 3.1x |
| 2025-11 | 5.6x | ₹1734 cr | 14.0% | 3.1x |
| 2025-10 | 5.6x | ₹1734 cr | 14.0% | 3.1x |
| 2025-09 | 4.9x | ₹1734 cr | 14.0% | 3.1x |
| 2025-08 | 4.7x | ₹1702 cr | 14.0% | 3.1x |
| 2025-07 | 5.5x | ₹1702 cr | 14.0% | 3.1x |
| 2025-06 | 6.0x | ₹1702 cr | 14.0% | 3.1x |
| 2025-05 | 5.4x | ₹1669 cr | 15.0% | 3.6x |
| 2025-04 | 5.6x | ₹1669 cr | 15.0% | 3.6x |
| 2025-03 | 4.6x | ₹1669 cr | 15.0% | 3.6x |
| 2025-02 | 4.6x | ₹1611 cr | 15.0% | 3.6x |
| 2025-01 | 5.5x | ₹1611 cr | 15.0% | 3.6x |
| 2024-12 | 5.7x | ₹1611 cr | 15.0% | 3.6x |
| 2024-11 | 7.2x | ₹1568 cr | 15.0% | 3.6x |
| 2024-10 | 6.8x | ₹1568 cr | 15.0% | 3.6x |
| 2024-09 | 7.7x | ₹1568 cr | 15.0% | 3.6x |
| 2024-08 | 7.9x | ₹1524 cr | 15.0% | 3.6x |
| 2024-07 | 8.4x | ₹1524 cr | 15.0% | 3.6x |
| 2024-06 | 8.3x | ₹1524 cr | 15.0% | 3.6x |
| 2024-05 | 9.3x | ₹1285 cr | 13.0% | 3.8x |
| 2024-04 | 10.3x | ₹1285 cr | 13.0% | 3.8x |
| 2024-03 | 7.9x | ₹1285 cr | 13.0% | 3.8x |
| 2024-02 | 8.6x | ₹1285 cr | 13.0% | 3.8x |
| 2024-01 | 8.1x | ₹1285 cr | 13.0% | 3.8x |
| 2023-12 | 7.8x | ₹1285 cr | 13.0% | 3.8x |
| 2023-11 | 7.8x | ₹1285 cr | 13.0% | 3.8x |
| 2023-10 | 8.1x | ₹1285 cr | 13.0% | 3.8x |
| 2023-09 | 7.6x | ₹1285 cr | 13.0% | 3.8x |
| 2023-08 | 7.7x | ₹1285 cr | 13.0% | 3.8x |
| 2023-07 | 6.5x | ₹1285 cr | 13.0% | 3.8x |
| 2023-06 | 6.2x | ₹1285 cr | 13.0% | 3.8x |
| 2023-05 | 8.4x | ₹1292 cr | 9.0% | 4.2x |
| 2023-04 | 6.1x | ₹1292 cr | 9.0% | 4.2x |
| 2023-03 | 5.8x | ₹1292 cr | 9.0% | 4.2x |
| 2023-02 | 6.3x | ₹1292 cr | 9.0% | 4.2x |
| 2023-01 | 7.3x | ₹1292 cr | 9.0% | 4.2x |
| 2022-12 | 7.4x | ₹1292 cr | 9.0% | 4.2x |
| 2022-11 | 7.9x | ₹1292 cr | 9.0% | 4.2x |
| 2022-10 | 6.8x | ₹1292 cr | 9.0% | 4.2x |
| 2022-09 | 7.4x | ₹1292 cr | 9.0% | 4.2x |
| 2022-08 | 8.0x | ₹1292 cr | 9.0% | 4.2x |
| 2022-07 | 4.9x | ₹1292 cr | 9.0% | 4.2x |
| 2022-06 | 4.3x | ₹1292 cr | 9.0% | 4.2x |
| 2022-05 | 3.1x | ₹1376 cr | 15.0% | 4.8x |
| 2022-04 | 3.8x | ₹1376 cr | 15.0% | 4.8x |
| 2022-03 | 3.7x | ₹1376 cr | 15.0% | 4.8x |
| 2022-02 | 4.0x | ₹1376 cr | 15.0% | 4.8x |
| 2022-01 | 5.5x | ₹1376 cr | 15.0% | 4.8x |
| 2021-12 | 5.6x | ₹1376 cr | 15.0% | 4.8x |
| 2021-11 | 6.3x | ₹1376 cr | 15.0% | 4.8x |
| 2021-10 | 5.6x | ₹1376 cr | 15.0% | 4.8x |
| 2021-09 | 6.5x | ₹1376 cr | 15.0% | 4.8x |
| 2021-08 | 6.2x | ₹1376 cr | 15.0% | 4.8x |
| 2021-07 | 7.1x | ₹1376 cr | 15.0% | 4.8x |
| 2021-06 | 7.8x | ₹1376 cr | 15.0% | 4.8x |
| 2021-05 | 7.4x | ₹1348 cr | 18.0% | 5.5x |
| 2021-04 | 6.9x | ₹1348 cr | 18.0% | 5.5x |
| 2021-03 | 7.1x | ₹1348 cr | 18.0% | 5.5x |
| 2021-02 | 7.0x | ₹1348 cr | 18.0% | 5.5x |
| 2021-01 | 5.1x | ₹1348 cr | 18.0% | 5.5x |
| 2020-12 | 4.9x | ₹1348 cr | 18.0% | 5.5x |
| 2020-11 | 5.0x | ₹1348 cr | 18.0% | 5.5x |
| 2020-10 | 4.0x | ₹1348 cr | 18.0% | 5.5x |
| 2020-09 | 3.5x | ₹1348 cr | 18.0% | 5.5x |
| 2020-08 | 3.7x | ₹1348 cr | 18.0% | 5.5x |
| 2020-07 | 3.1x | ₹1348 cr | 18.0% | 5.5x |
| 2020-06 | 2.6x | ₹1348 cr | 18.0% | 5.5x |
| 2020-05 | 2.3x | ₹1191 cr | 17.0% | 6.0x |
| 2020-04 | 3.2x | ₹1191 cr | 17.0% | 6.0x |
| 2020-03 | 2.9x | ₹1191 cr | 17.0% | 6.0x |
| 2020-02 | 7.1x | ₹1191 cr | 17.0% | 6.0x |
| 2020-01 | 8.4x | ₹1191 cr | 17.0% | 6.0x |
| 2019-12 | 8.0x | ₹1191 cr | 17.0% | 6.0x |
| 2019-11 | 7.5x | ₹1191 cr | 17.0% | 6.0x |
| 2019-10 | 7.3x | ₹1191 cr | 17.0% | 6.0x |
| 2019-09 | 7.8x | ₹1191 cr | 17.0% | 6.0x |
| 2019-08 | 7.8x | ₹1191 cr | 17.0% | 6.0x |
| 2019-07 | 8.2x | ₹1191 cr | 17.0% | 6.0x |
| 2019-06 | 9.6x | ₹1191 cr | 17.0% | 6.0x |
| 2019-05 | 12.5x | ₹1109 cr | 16.0% | 6.1x |
| 2019-04 | 13.0x | ₹1109 cr | 16.0% | 6.1x |
| 2019-03 | 14.4x | ₹1109 cr | 16.0% | 6.1x |
| 2019-02 | 10.4x | ₹1109 cr | 16.0% | 6.1x |
| 2019-01 | 12.5x | ₹1109 cr | 16.0% | 6.1x |