Repco Home Finance (REPCOHOME) Q4 24/25 earnings summary

Executive summary

• Celebrated 25 years in the industry, marking a silver jubilee and ongoing transformation initiatives.

• Loan sanctions in Q4 FY25 rose 8% year-over-year to Rs. 10,589 million, with disbursements up 9% to Rs. 9,754 million; full-year sanctions and disbursements grew 5% each to Rs. 35,189 million and Rs. 32,842 million, respectively.

• Consolidated revenue from operations for FY25 was ₹1,720.76 crore, up from ₹1,537.64 crore year-over-year.

• Net profit for FY25 was INR 439 crores, up 11% year-over-year; Q4 net profit was INR 150 crores.

• Asset quality improved, with GNPA declining to 3.26% in Q4 FY25 from 4.08% in Q4 FY24 and 3.86% in Q3 FY25.

Financial highlights

• Q4 FY25 disbursements reached INR 975 crores, up 28% sequentially and 9% year-over-year.

• FY25 sanctions totaled INR 3,519 crores and disbursements INR 3,284 crores, both higher than FY24.

• AUM grew to INR 14,492 crores, a 7% year-over-year increase.

• Cost-to-income ratio improved to 27.5% in FY25 from 30.0% in FY24; Q4 FY25 ratio was 26.0%.

• Dividend of INR 4 per share declared, subject to shareholder approval.

Outlook and guidance

• Targeting AUM of INR 16,200 crores by FY26 (12% growth) and INR 25,000 crores by FY28.

• Aiming for INR 4,000 crores in disbursements in FY26.

• Plans to reduce gross NPA to below 2.5% and net NPA below 1% by March 2026.

• Emphasis on expanding reach in under-penetrated markets and maintaining a balanced portfolio mix.

• 14 new branches to be opened in FY26, with 12 satellite centers upgraded to branches.