Repco Home Finance Ltd's Q4FY25 Quarterly Results

Result Summary

• Repco Home Finance Ltd reported a 10.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 15.6%.
• Its expenses for the quarter were down by 10.8% QoQ and up 20.2% YoY.
• The net profit increased 0.5% QoQ and increased 35.4% YoY.
• The earnings per share (EPS) of Repco Home Finance Ltd stood at 18.2 during Q4FY25.

Financial Statments for Q4FY25

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Repco Home Finance Ltd is a housing finance company headquartered in India. It primarily provides financing solutions for the purchase or construction of residential properties, including individual housing loans and loans against property. The company operates within the financial services sector, specifically focusing on housing finance, which is a critical part of India's banking and financial infrastructure. Repco Home Finance has been engaged in expanding its reach to serve a larger customer base by leveraging both its physical branch network and digital channels. Recent developments within the company or the industry are not provided in the data, so further specific updates are not available.

Revenue

In the fourth quarter of the fiscal year 2025 (Q4FY25), Repco Home Finance Ltd reported a total income of ₹397.19 crores. This represents a decline of 10.8% quarter-over-quarter (QoQ) from ₹445.32 crores in the third quarter of fiscal year 2025 (Q3FY25). Despite this sequential drop, there was a year-over-year (YoY) increase of 15.6% compared to the same quarter in the previous year (Q4FY24), where total income was ₹343.73 crores. This data reflects the revenue trajectory over the fiscal quarters, showing both a short-term decline and a longer-term growth.

Profitability

The company's Profit Before Tax (PBT) for Q4FY25 was ₹138.67 crores, which is a decrease of 3.7% from ₹144.01 crores reported in Q3FY25. On a year-on-year basis, PBT increased by 23.4% from ₹112.39 crores in Q4FY24. The Profit After Tax (PAT) for Q4FY25 was ₹113.71 crores, slightly up by 0.5% from ₹113.17 crores in the previous quarter. Compared to the same quarter in the previous year, PAT saw a significant rise of 35.4% from ₹83.98 crores. Earnings Per Share (EPS) also increased by 0.6% QoQ to ₹18.20 from ₹18.10 in Q3FY25 and experienced a 35.8% increase YoY from ₹13.40 in Q4FY24.

Operating Metrics

Total expenses for Q4FY25 amounted to ₹268.51 crores, reflecting a decrease of 10.8% from ₹300.98 crores in Q3FY25. However, on a year-over-year basis, expenses increased by 20.2% from ₹223.41 crores in Q4FY24. The tax expense for Q4FY25 was ₹30.60 crores, which decreased by 18.3% from the previous quarter's ₹37.46 crores and showed a marginal increase of 1.0% YoY from ₹30.29 crores in Q4FY24. These figures provide insights into the company's cost structure and tax obligations, showing reductions in quarterly expenses and a rise in annual expenses.