Aadhar Housing Finance vs Repco Home Finance: Which Stock Should You Track
- August 5, 2026
- Posted by: Ankit Jaiswal
- Category: News
Aadhar Housing Finance MCap Rs 21,972 Cr, PE 19.26x, ROE 14.53%, D/E 2.49. Repco Home Finance MCap Rs 2,418 Cr, PE 5.09x, ROE 11.77%, D/E 3.02.
Aadhar Housing Finance vs Repco Home Finance is a comparison affordable housing NBFC investors look up when weighing a larger, backed housing lender against a smaller South India specialist. Aadhar Housing Finance is backed by Blackstone Group and BCP Topco, while Repco Home Finance is majority owned by the Government of India through Repco Bank and targets affordable housing borrowers in South India.
This Aadhar Housing Finance vs Repco Home Finance article covers reach and market position, key products, latest declared results and stock valuation. The Aadhar Housing Finance vs Repco Home Finance data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.
Aadhar Housing Finance vs Repco Home Finance: Reach and Market Position
On the Aadhar Housing Finance side of the Aadhar Housing Finance vs Repco Home Finance comparison, Aadhar Housing Finance operates branches across India with an affordable housing focus in tier 2 and tier 3 markets. Its promoter Blackstone Group brings global financial sponsor backing. Market capitalisation is Rs 21,972 Cr.
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On the Repco Home Finance side of the Aadhar Housing Finance vs Repco Home Finance comparison, Repco Home Finance is concentrated in South India, primarily Tamil Nadu, Andhra Pradesh and Karnataka, with a deep network of branches serving self-employed and salaried affordable housing borrowers. Market capitalisation is Rs 2,418 Cr.
Aadhar Housing Finance vs Repco Home Finance: Key Products and Business Mix
In the Aadhar Housing Finance vs Repco Home Finance product comparison, Aadhar Housing Finance offers: Aadhar Housing Finance offers home purchase loans, home improvement loans and small business loans secured by property. P/E is 19.26x, ROE 14.53 percent and debt to equity 2.49.
For Repco Home Finance in this Aadhar Housing Finance vs Repco Home Finance breakdown: Repco Home Finance offers home loans and loans against property, primarily to borrowers in South India. P/E is 5.09x, ROE 11.77 percent and debt to equity 3.02. The stock trades at a price to book of 0.60.
Aadhar Housing Finance vs Repco Home Finance: Latest Results
The Aadhar Housing Finance vs Repco Home Finance results for Aadhar Housing Finance: Aadhar Housing Finance has a market cap of Rs 21,972 Cr and P/E of 19.26x. ROE is 14.53 percent and the book value per share stands at Rs 171.60. EPS on a trailing twelve month basis is Rs 26.09.
The Aadhar Housing Finance vs Repco Home Finance results for Repco Home Finance: Repco Home Finance has a market cap of Rs 2,418 Cr and P/E of 5.09x, significantly cheaper than Aadhar. ROE is 11.77 percent and book value per share stands at Rs 645.88. EPS is Rs 75.99.
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Aadhar Housing Finance vs Repco Home Finance: Stock and Valuation
The Aadhar Housing Finance vs Repco Home Finance stock comparison uses the latest available market data from Groww. Investors tracking Aadhar Housing Finance vs Repco Home Finance should verify current prices on NSE or BSE before trading.
Aadhar Housing Finance trades at a market cap of Rs 21,972 Cr and P/E of 19.26x, backed by Blackstone’s financial sponsor. Repco Home Finance trades at a market cap of Rs 2,418 Cr and P/E of 5.09x, at a fraction of Aadhar’s valuation. Repco trades at a price to book of 0.60, below book value. Both companies carry similar ROE around 12 to 15 percent.
Aadhar Housing Finance vs Repco Home Finance: Quick Comparison Table
The Aadhar Housing Finance vs Repco Home Finance comparison table below summarises the key metrics covered in this article side by side.
| Parameter | Aadhar Housing Finance | Repco Home Finance |
|---|---|---|
| Sector | Affordable housing NBFC | Affordable housing NBFC |
| Market Cap | Rs 21,972 Cr | Rs 2,418 Cr |
| P/E Ratio | 19.26x | 5.09x |
| ROE | 14.53% | 11.77% |
| Debt to Equity | 2.49 | 3.02 |
| Book Value Per Share | Rs 171.60 | Rs 645.88 |
| P/B Ratio | 2.93 | 0.60 |
| Geography | Pan-India, tier 2 and tier 3 | South India concentrated |
Conclusion
The Aadhar Housing Finance vs Repco Home Finance comparison above covers the key data points on reach, products, results and valuation. Aadhar Housing Finance vs Repco Home Finance present two approaches to affordable housing lending. Aadhar is a scaled, Blackstone-backed lender trading at a premium valuation, while Repco is a South India specialist trading at a deep discount to book. Investors should review AUM growth and asset quality for both companies and consult a SEBI-registered advisor before investing.
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Disclaimer: Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions
What is the main difference between Aadhar Housing Finance and Repco Home Finance?
Ans. Aadhar Housing Finance is backed by Blackstone Group and operates pan-India. Repco Home Finance is majority owned by the Government of India through Repco Bank and is concentrated in South India.
Which stock trades at a lower P/E?
Ans. Repco Home Finance trades at 5.09x trailing earnings, compared to Aadhar Housing Finance at 19.26x.
Does Repco Home Finance trade below book value?
Ans. Yes. Repco Home Finance trades at a price to book ratio of 0.60, below its book value of Rs 645.88 per share.
Which company has the higher ROE?
Ans. Aadhar Housing Finance has an ROE of 14.53 percent, slightly above Repco at 11.77 percent.
What geographic markets does Repco Home Finance serve?
Ans. Repco Home Finance is concentrated in South India, primarily Tamil Nadu, Andhra Pradesh and Karnataka.
What risks apply to affordable housing NBFCs?
Ans. Both companies face risk from rising funding costs, deterioration in borrower repayment capacity and regulatory changes to housing finance norms from the National Housing Bank or RBI.
Should I invest in Aadhar Housing Finance or Repco Home Finance?
Ans. This depends on your preference between premium valuation for Blackstone-backed scale versus deep-value exposure to a South India specialist. Review both companies’ latest AUM and asset quality data and consult a SEBI-registered advisor.
