Repco Home Finance Share Price Target 2027: Can It Reach Rs 428? Base Case at Rs 352
- November 5, 2026
- Posted by: Chaitanya Auti
- Category: Market
Repco Home Finance share price Rs 330.30 (5 November 2026). Base target Rs 352, bull Rs 428, downside risk Rs 263. PE 4.26. 52W range Rs 294.05 to Rs 455.90.
Quick Answer
The Repco Home Finance share price target for 2027 is Rs 352, about 6.6% above the current price of Rs 330.30. The bull case is Rs 428, and the downside risk level, which is not a target, is Rs 263. The base case assumes earnings per share grow 7.3% a year, the pace seen from FY24 to FY26, with the stock holding its PE of 4.26. These are model-based estimates built from reported financials, not guaranteed outcomes.
Investors weighing a Repco Home Finance target price for 2027 should start with where the stock sits today. At Rs 330.30 on 5 November 2026, it is 27.5% below its 52-week high of Rs 455.90 and 12.3% above its 52-week low of Rs 294.05. That range spans 55% from low to high, so the entry point matters as much as the Repco Home Finance price forecast itself.
This article builds the Repco Home Finance share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario states its assumptions, so you can trace how the base case, the bull case and the downside risk level were reached and test them against your own view.
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Repco Home Finance Stock Analysis: Company Overview and Key Stats
Repco Home Finance (NSE: REPCOHOME) has a market capitalisation of Rs 2,053 crore. In FY26 it reported revenue of Rs 1,794 crore and net profit of Rs 448.98 crore. The table collects the figures the Repco Home Finance share price target is built on.
| Metric | Value |
|---|---|
| Company | Repco Home Finance |
| NSE Ticker | REPCOHOME |
| CMP (5 November 2026) | Rs 330.30 |
| 52-Week High | Rs 455.90 |
| 52-Week Low | Rs 294.05 |
| Market Cap | Rs 2,053 crore |
| PE Ratio (TTM) | 4.26 |
| Industry PE | 16.57 |
| Price to Book | 0.51 |
| Return on Equity | 11.77% |
| Debt to Equity | 3.02 |
| EPS (TTM) | Rs 77.03 |
| Dividend Yield | 0.91% |
| 12-Month Base Target | Rs 352 |
| Bull Case | Rs 428 |
| Downside Risk Level (not a target) | Rs 263 |
Why Is Repco Home Finance Share Price Target Set at Rs 352 for 2027?
The arithmetic is short. Trailing EPS of Rs 77.03 grown for one year gives a forward EPS estimate of Rs 82.63, and multiplying it by the unchanged PE of 4.26 gives the Rs 352 base-case Repco Home Finance stock target. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.
Earnings Growth Behind the Repco Home Finance Target Price: Five Years of Results
Repco Home Finance grew revenue from Rs 1,307 crore in FY22 to Rs 1,794 crore in FY26, a compound annual growth rate of 8.2%. Net profit grew faster, from Rs 191.55 crore to Rs 448.98 crore (23.7% a year), which shows margin gains did part of the work and not just higher sales.
| Financial Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Dividend per Share (Rs) |
|---|---|---|---|---|
| FY22 | 1,306.57 | 191.55 | 31.03 | 2.50 |
| FY23 | 1,299.16 | 296.08 | 50.56 | 2.70 |
| FY24 | 1,537.64 | 391.54 | 66.04 | 3.00 |
| FY25 | 1,711.10 | 445.42 | 75.33 | 4.00 |
| FY26 | 1,793.90 | 448.98 | 75.99 | 3.00 |
FY26 revenue growth was 4.8%, slower than the four-year average of 8.2%, and net profit moved up 0.8%. EPS rose from Rs 66.04 in FY24 to Rs 75.99 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.
Margins and the Latest Quarter
Repco Home Finance converted 25.0% of FY26 revenue into net profit, against 26.0% in FY25, within a five-year range of 14.7% to 26.0%. EBITDA margin was 89.3% in FY26 versus 91.7% in FY25.
In the June 2026 quarter, revenue was Rs 467.90 crore, up 6.2% from the same quarter a year earlier, while net profit of Rs 114.15 crore was up 5.7%. EBITDA came in at Rs 409.41 crore, up 2.8% year on year. The next quarterly result is the first test of whether the earnings assumption holds.
Balance Sheet and Cash Flow
Debt to equity stands at 3.02, and shareholders’ equity grew from Rs 2,290 crore in FY22 to Rs 4,041 crore in FY26. Operating cash flow in FY26 was negative at Rs 896.21 crore against capital expenditure of Rs 27.12 crore, leaving negative free cash flow of Rs 923.33 crore. In FY25 free cash flow was negative at Rs 636.90 crore.
Valuation Check for the Repco Home Finance Stock Target: PE, Price to Book and ROE
At a PE of 4.26 against an industry PE of 16.57, Repco Home Finance trades at a discount to its industry. Price to book is 0.51 on a book value of Rs 645.88 per share, and return on equity is 11.77%. A PE of 4.26 equals an earnings yield of 23.5%, and the FY26 dividend of Rs 3.00 per share gives a yield of 0.91%.
Shareholding Pattern and Institutional Holding
Promoters held 37.13% of Repco Home Finance in September 2026, and promoter holding has stayed near 37.13% since September 2025. Foreign institutional investors (FII) held 11.09% and domestic institutions (DII) held 26.34%, which puts total institutional holding at 37.43%. FII holding fell from 11.91% in September 2025 to 11.09% in September 2026. Public shareholders own the remaining 25.44%. A meaningful institutional holding adds a layer of research coverage and trading depth.
Repco Home Finance Share Price Targets for the Short Term and 12 Months
Short Term Repco Home Finance Stock Target Levels: Technical Setup
At Rs 330.30 on 5 November 2026, Repco Home Finance trades below its 50-day simple moving average of Rs 340.31 and below its 200-day exponential moving average of Rs 370.79. The 14-day RSI reads 50.5, which is neutral territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 340.31 (50-day simple moving average) and the nearest support is Rs 294.05 (52-week low). A sustained move above Rs 340.31 would improve the short-term setup, while a close below Rs 294.05 would shift attention to the next support.
12 Month Repco Home Finance Target Price for 2027
The 12-month target of Rs 352 means a move of 6.6% up from Rs 330.30 over the next 12 months. It would still leave the stock 22.8% below its 52-week high of Rs 455.90. Anyone checking the Repco Home Finance share price target against their own view should focus on two inputs: the EPS estimate and the PE multiple.
How EPS Growth and PE Multiple Change the Repco Home Finance Target Price
| EPS Growth | PE 3.41 | PE 4.26 | PE 4.90 |
|---|---|---|---|
| 0.0% (EPS Rs 77.03) | Rs 263 | Rs 328 | Rs 377 |
| 7.3% (EPS Rs 82.63) | Rs 282 | Rs 352 | Rs 405 |
| 13.3% (EPS Rs 87.25) | Rs 298 | Rs 372 | Rs 428 |
Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Repco Home Finance price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.
Bull Case and Downside Risk for Repco Home Finance Stock Target in 2027
Bull Case Rs 428
The bull case Repco Home Finance price target needs EPS growth of 13.3%, which lifts forward EPS to Rs 87.25, and a PE multiple that rises 15% to 4.90. That gives Rs 428, 29.6% above the current price and below the 52-week high of Rs 455.90.
Downside Risk Level Rs 263
The downside risk level is not a target. It assumes EPS stays flat at Rs 77.03 and the PE falls 20% to 3.41. That gives Rs 263, 20.4% below the current price and below the 52-week low of Rs 294.05.
| Scenario | EPS Growth | PE Multiple | Price (Rs) | Change vs CMP |
|---|---|---|---|---|
| Bull Case | 13.3% | 4.90 | Rs 428 | +29.6% |
| Base Case | 7.3% | 4.26 | Rs 352 | +6.6% |
| Downside Risk | 0.0% | 3.41 | Rs 263 | -20.4% |
Key Risks to the Repco Home Finance Target Price for 2027
Growth Slowdown Risk for the Repco Home Finance Price Target
Revenue in the June 2026 quarter was up 6.2% year on year, and FY26 revenue growth was 4.8%. If growth slows from here, the EPS estimate behind the Repco Home Finance stock target will need revising.
Liquidity and Size Risk
Repco Home Finance has a market capitalisation of Rs 2,053 crore. Institutional holding is 37.43%, and promoters hold 37.13%. Stocks of this size can move sharply on small volumes, and exits can take longer than entries.
Valuation and Margin Risk
Net margin was 25.0% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 4.26 versus an industry PE of 16.57, a de-rating toward the downside-risk PE of 3.41 would cut the price even if earnings hold.
Market and Technical Risk
Technical indicators add short-term risk: the 14-day RSI is 50.5 and the MACD sits above its signal line. A broad fall in the Nifty 50 or the Sensex can override company fundamentals for weeks at a time.
How to Invest in Repco Home Finance
Start with the live price and volume. Any Repco Home Finance share price target is only as current as the data behind it, and the data here is as of 5 November 2026, so refresh the Rs 330.30 price before acting on any level.
Next, review the fundamentals yourself. The Univest Screener lets you check Repco Home Finance’s PE, ROE, debt and shareholding in one place.
Check Repco Home Finance fundamentals on the Univest Screener
Then compare the three Repco Home Finance target price scenarios with your own view. If you expect EPS growth below 7.3%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.
Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.
Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.
Download the Univest iOS App or Univest Android App to track Repco Home Finance live price and get daily stock recommendations.
Conclusion
The Repco Home Finance share price target for 2027 is Rs 352 in the base case, with Rs 428 as the bull case. The support for that view is arithmetic you can check: EPS grew 7.3% a year over FY24 to FY26, and the stock trades at a PE of 4.26. The risks are equally concrete, including a valuation that can de-rate even when earnings hold and a downside scenario that cuts the price 20% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.
Disclaimer: Data and figures in this article are sourced from publicly available information. 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).
FAQs on Repco Home Finance Share Price Target 2027
What is the Repco Home Finance share price target for 2027?
Ans. The base-case Repco Home Finance share price target for 2027 is Rs 352, which is 6.6% above the price of Rs 330.30 on 5 November 2026. The bull case is Rs 428 and the downside risk level, which is not a target, is Rs 263. All three come from one method: forward EPS multiplied by a PE multiple, using only reported results. They are model estimates and not guaranteed outcomes, and the next quarterly result is the first check on the EPS assumption.
What is the Repco Home Finance share price today?
Ans. As of 5 November 2026, 11:37 AM IST, Repco Home Finance (NSE: REPCOHOME) trades at Rs 330.30, up 0.64% on the day. That is 27.5% below the 52-week high of Rs 455.90 and 12.3% above the 52-week low of Rs 294.05. The market capitalisation of Rs 2,053 crore places it among small-cap stocks. Prices change through the trading session, so check the live quote before acting on any level in this article.
Is Repco Home Finance a buy or sell at the current price?
Ans. The data points both ways. On the positive side, EPS has grown 7.3% a year over FY24 to FY26 and the base case implies 6.6% upside; on the cautious side, the valuation can de-rate even when earnings hold, and the downside risk level of Rs 263 is 20% below the current price. Whether Repco Home Finance fits your portfolio depends on your time horizon, position size and risk appetite. Consult a SEBI-registered advisor before investing, as this article is not investment advice.
What are the bull case target and downside risk level for Repco Home Finance shares?
Ans. The bull case in the Repco Home Finance share price target for 2027 is Rs 428, which assumes 13.3% EPS growth and a PE of 4.90, a 15% re-rating from today’s multiple. That is 29.6% above the current price and below the 52-week high of Rs 455.90. The downside risk level is Rs 263, which assumes flat EPS and a PE of 3.41, 20% lower than today. It sits 20.4% below the current price and below the 52-week low of Rs 294.05, and it marks a risk to watch, not a target.
What are the main risks to the Repco Home Finance price target?
Ans. Four risks matter most for the Repco Home Finance share price target: slower revenue or profit growth, a PE de-rating, thin liquidity or size risk, and weakness in the broader market. With a market capitalisation of Rs 2,053 crore, the stock can move sharply on small volumes, and exits can take longer than entries. A fall to the downside-risk PE of 3.41 would cut the price even if earnings hold.
What is the PE ratio of Repco Home Finance and how does it compare with the industry?
Ans. The PE ratio of Repco Home Finance is 4.26, against an industry PE of 16.57, which is a discount to the industry. Price to book is 0.51 and return on equity is 11.77%, and the PE equals an earnings yield of 23.5%. The base case holds the PE unchanged, so the Repco Home Finance share price target moves only with earnings, while the bull and downside scenarios change the multiple by +15% and -20%.
Who owns Repco Home Finance, and what is the promoter holding?
Ans. Promoters held 37.13% of Repco Home Finance in September 2026. FII held 11.09%, DII held 26.34% and the public held 25.44%. Together the two institutional groups hold 37.43%. Shareholding is filed every quarter, so it is worth rechecking after each result.
What were Repco Home Finance’s latest quarterly results?
Ans. In the June 2026 quarter, Repco Home Finance reported revenue of Rs 467.90 crore (up 6.2% year on year) and net profit of Rs 114.15 crore (up 5.7%). For comparison, FY26 full-year revenue growth was 4.8% and net profit moved up 0.8%. Each new quarter either supports or weakens the EPS growth of 7.3% assumed in the base case.