Repco Home Finance (REPCOHOME) Q4 11/12 earnings summary
Event summary combining transcript, slides, and related documents.
Q4 11/12 earnings summary
2 Nov, 2026Executive summary
FY12 PAT rose to Rs 61.46 crore from Rs 58.16 crore; loan portfolio reached Rs 2,802.16 crore, up 35% YoY.
Southern India housing lender focused on self-employed borrowers; competitive strengths included direct customer contact, faster operations and risk management.
Financial highlights
PBT was Rs 81.63 crore vs Rs 79.25 crore; PAT was Rs 61.46 crore vs Rs 58.16 crore.
Revenue from operations was Rs 3,188,154,506 vs Rs 2,255,372,672; EPS was Rs 13.23 vs Rs 12.52.
Loan approvals reached Rs 1,111.56 crore vs Rs 991.83 crore; disbursements were Rs 1,042.34 crore vs Rs 915.59 crore.
Outlook and guidance
FY13 plans included a cautious branch expansion strategy and marketing to build brand awareness and customer reach.
An IPO was planned for FY13, with expected benefits to capital adequacy and cost of funds.
Latest events from Repco Home Finance
- Loan book growth and disbursements advanced as operating GNPA eased to 2.4%.REPCOHOME
Q2 26/27 - Loan book grew over 48%, PAT reached Rs 15.57 crore and net NPA fell to 0.86%.REPCOHOMEQ4 07/08
- PAT rose over 73% as the loan portfolio grew over 51%, with NNPA held at 0.70%.REPCOHOMEQ4 08/09
- Portfolio grew 42%, PAT 64%; FY11 plan targets Rs.2,100 crore outstanding.REPCOHOMEQ4 09/10
- Loan portfolio grew 47% as PAT rose 31%; an IPO and 25 new branches were planned.REPCOHOMEQ4 10/11
- FY14 delivered 46.93% disbursement growth, higher profit, and improved net asset quality.REPCOHOMEQ4 13/14
- Loan book grew 26.41%, PAT rose 30.20%, and IPO proceeds backed expansion.REPCOHOMEQ4 12/13
- Loan book grew 28.98%, asset quality improved, and special-reserve DTL tempered PAT growth.REPCOHOMEQ4 14/15
- FY16 delivered strong loan and profit growth with stable asset quality, but concentration risks remain.REPCOHOMEQ4 15/16