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Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Sales over the Year and quarter: The company experienced a substantial growth of 12.56 % in the past year, substantial increase in net sales/revenue by 4.98 %. 🔹 Income over the Year and quarter: There has been either a marginal increase or a decline in other income over the past year which is 59.15 %. Marginal increase in other income during this quarter, up by 5.06%. 🔹 Profit over the Year and quarter: Significant improvement in profitability for Repco Home Finance Limited. Notable increase of 8.8 % in net profit Year to Year, Repco Home Finance Limited’s profitability dropped by -1.7 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS increased by 8.78 % Year to Year. EPS decreased by -1.68 % in previous quarter. Analysis needed for shareholder value.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 387.3 Cr | Rs. 415.25 Cr | Rs. 435.928 Cr | + 4.98 % | + 12.56 % |
| Expenses | Rs. 39.09 Cr | Rs. 26.39 Cr | Rs. 45.29 Cr | + 71.62 % | + 15.86 % |
| Operating Profit | Rs. 348.21 Cr | Rs. 388.86 Cr | Rs. 390.64 Cr | + 0.46 % | + 12.19 % |
| OPM % | 89.91 % | 93.64 % | 89.61 % | -4.03 % | -0.3 % |
| Other Income | Rs. 5.9 Cr | Rs. 8.938 Cr | Rs. 9.39 Cr | + 5.06 % | + 59.15 % |
| Interest | Rs. 215.26 Cr | Rs. 239.56 Cr | Rs. 247.52 Cr | + 3.32 % | + 14.99 % |
| Depreciation | Rs. 4.77 Cr | Rs. 9.27 Cr | Rs. 8.5 Cr | -8.31 % | + 78.2 % |
| Profit before tax | Rs. 134.08 Cr | Rs. 148.97 Cr | Rs. 144.01 Cr | -3.33 % | + 7.41 % |
| Tax % | 25.84 % | 27.02 % | 26.01 % | -1.01 % | + 0.17 % |
| Net Profit | Rs. 104.01 Cr | Rs. 115.13 Cr | Rs. 113.17 Cr | -1.7 % | + 8.81 % |
| EPS in Rs | Rs. 16.63 | Rs. 18.4 | Rs. 18.09 | -1.68 % | + 8.78 % |
Today, we’re looking at Repco Home Finance Limited’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year sales growth of 12.56 %. However, it did see a marginal increase of 4.98 % from the previous quarter. Expenses ticked up slightly by 71.62 % quarter-on-quarter, aligning with the annual rise of 15.86 %. Operating profit, while up 12.19 % compared to last year, faced a quarter-on-quarter increase of 0.46 %, signaling a short-term expansion in margins.
The Operating Profit Margin (OPM) % contradicts this narrative, showing weakness on an annual basis with a decrease of -0.3 %, but a shrinkage of -4.03 % sequentially. Other income rose by 5.06 % compared to the last quarter, despite an annual growth of 59.15 %. Interest expenses surged remarkably by 3.32 % from the previous quarter, yet the year-over-year increase remains at a moderate 14.99 %. Depreciation costs fell by -8.31 % quarter-on-quarter, whereas on an annual scale, they saw an increase of 78.2 %. Profit before tax grew annually by 7.41 % but saw a reduction from the preceding quarter by -3.33 %.
Tax expenses as a percentage of profits increased slightly by 0.17 % compared to last year, with a more notable quarter-on-quarter decrease of -1.01 %. Net profit rose by 8.81 % year-on-year but witnessed a -1.7 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 8.78 % but a quarterly fall of -1.68 %. In summary, Repco Home Finance Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 387.3 Cr | Rs. 415.25 Cr | Rs. 435.928 Cr | + 4.98 % | + 12.56 % |
| Expenses | Rs. 39.09 Cr | Rs. 26.39 Cr | Rs. 45.29 Cr | + 71.62 % | + 15.86 % |
| Operating Profit | Rs. 348.21 Cr | Rs. 388.86 Cr | Rs. 390.64 Cr | + 0.46 % | + 12.19 % |
| Net Profit | Rs. 104.01 Cr | Rs. 115.13 Cr | Rs. 113.17 Cr | -1.7 % | + 8.81 % |
| EPS in Rs | Rs. 16.63 | Rs. 18.4 | Rs. 18.09 | -1.68 % | + 8.78 % |
In reviewing Repco Home Finance Limited’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales saw a robust 12.56 % year-on-year growth, however, there was a minor increase of 4.98 % from the previous quarter. Expenses rose by 15.86 % compared to the previous year, with a 71.62 % increase quarter-on-quarter. Operating Profit surged by 12.19 % annually, and saw a 0.46 % increase from the last quarter.
Net Profit showed yearly increase of 8.81 %, and experienced a -1.7 % decrease from the previous quarter. Earnings Per Share (EPS) rose by 8.78 % annually, however dipped by -1.68 % compared to the last quarter. In essence, while Repco Home Finance Limited exhibits strong annual growth indicators, short-term improvements suggest the potential for recovery and the importance of strategic adjustments to counter market challenges effectively. That’s all for now in the financial sector.
