Home financier Repco Home Finance reported a standalone net profit of ₹129 crore in the fourth quarter ended March 2026 (Q4FY26), representing a 4% increase from ₹125 crore recorded in Q4FY25. On a consolidated basis, revenue from operations stood at ₹453.52 crore in Q4FY26 compared to ₹424.22 crore in Q4FY25, reflecting growth of around 6.9% year-on-year. The performance was primarily driven by increased lending activities and improved operational metrics, with profit before tax standing at ₹148.30 crore in Q4FY26 compared to ₹144.46 crore in Q4FY25.
Net interest income demonstrated strong growth, increasing 16% year-on-year to ₹207 crore in Q4FY26 compared to ₹178 crore in Q4FY25. This growth was supported by robust loan disbursements of ₹1,186 crore in Q4FY26, marking a 22% growth over Q4FY25 levels. For the full financial year FY26, the company reported consolidated revenue from operations of ₹1,750.13 crore compared to ₹1,668.66 crore in FY25, reflecting growth of around 4.9% year-on-year. Consolidated net profit increased to ₹448.98 crore in FY26 compared to ₹445.42 crore in FY25, while net interest income grew 9% to ₹812 crore.
The company's loan book expanded significantly with disbursements surging 26% in the fiscal year to ₹4,148 crore. According to The Hindu BusinessLine, the overall loan book stood at ₹15,880 crore as of March 31, 2026, registering a 9.6% growth. Housing loans accounted for 71% of the loans while home equity products comprised 29% of the outstanding loan book. Asset quality showed marked improvement with the gross non-performing assets (GNPA) ratio declining to 2.55% as of March 2026 from 3.26% last year, while the net NPA ratio improved to 1.17% compared to 1.32% in March 2025. One of the major factors supporting profitability during the quarter was stable asset quality and controlled operational expenses despite higher finance costs.
The company announced a final dividend of ₹3 (30%) per equity share of face value ₹10 each for FY26, as reported by The Hindu BusinessLine. This dividend declaration reflects the company's commitment to returning value to shareholders while maintaining its growth trajectory in the home finance sector. The housing finance stock gained attention after announcing the final dividend alongside improvement in its balance sheet position and loan assets during FY26. The dividend reflects management's confidence in the company's financial performance, stable profitability and long-term growth outlook, with the Board of Directors approving the payout based on healthy interest income and lending growth.
