Repco Home Finance Q4 Profit Rises to ₹129 Crore; Proposes ₹3 Final Dividend

Synopsis: Repco Home Finance Limited announced a final dividend of Rs. 3 per equity share for FY26 while continuing to strengthen its balance sheet and loan book. The company witnessed growth in assets, liquidity position and net worth during the financial year.

Housing finance stock gained attention after announcing a final dividend for shareholders alongside improvement in its balance sheet position and loan assets during FY26. The company continued benefiting from steady housing loan demand and expansion in its retail lending operations.

Repco Home Finance has a total market capitalization of Rs. 2,458.66 crore, according to data on the NSE. Repco Home Finance shares were trading at Rs. 393 apiece on the National Stock Exchange, down by 0.34 percent; the stock has gained around 3.37 percent over the last five sessions, while it has gone down about 7.32 percent in the 30 days. Over a six-month period, the stock has given a negative return of 2.57 percent, whereas on a year-on-year basis it has declined nearly 1.77 percent, reflecting mixed overall performance. The stock’s 52-week high was Rs. 464.45 and 52-week low was Rs. 333.60. 

The company reported audited standalone and consolidated financial results for the quarter and year ended March 31, 2026. On a consolidated basis, revenue from operations stood at Rs. 453.52 crore in Q4FY26 compared to Rs. 424.22 crore in Q4FY25, reflecting growth of around 6.9 percent year-on-year. Quarter over quarter, revenue declined marginally from Rs. 456.93 crore reported in Q3FY26.

On the profitability front, the company reported consolidated net profit of Rs. 129.11 crore in Q4FY26 compared to Rs. 124.71 crore in Q4FY25, reflecting growth of around 3.5 percent year-on-year. Quarter over quarter, profit also improved from Rs. 108.77 crore reported in Q3FY26. Profit before tax stood at Rs. 148.30 crore in Q4FY26 compared to Rs. 144.46 crore in Q4FY25.

One of the major factors supporting profitability during the quarter was stable asset quality and controlled operational expenses despite higher finance costs. Total expenses increased to Rs. 305.87 crore in Q4FY26 compared to Rs. 280.88 crore in Q4FY25. 

For the full financial year FY26, the company reported consolidated revenue from operations of Rs. 1,750.13 crore compared to Rs. 1,668.66 crore in FY25, reflecting growth of around 4.9 percent year-on-year. Consolidated net profit increased to Rs. 448.98 crore in FY26 compared to Rs. 445.42 crore in FY25.

The Board of Directors has approved a final dividend of Rs. 3 (30 percent) per equity share having face value of Rs. 10 each for FY26. The dividend reflects management’s confidence in the company’s financial performance, stable profitability and long-term growth outlook.

India’s housing finance sector continues benefiting from rising home ownership demand, urbanization and improving retail credit penetration. However, profitability in the sector remains sensitive to borrowing costs, interest rate movements and asset quality trends.

Overall, the company reported stable FY26 operational and profitability growth supported by healthy interest income and lending growth. Going forward, loan book expansion, asset quality management, interest rate trends and retail housing demand will remain key factors influencing the company’s future performance.

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