Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Repco Home Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:REPCOHOME'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 19.75 Med: 19.9 Max: 21.08
Current: 20.46
During the past 13 years, the highest Debt-to-EBITDA Ratio of Repco Home Finance was 21.08. The lowest was 19.75. And the median was 19.90.
NSE:REPCOHOME's Debt-to-EBITDA is ranked worse than 73.53% of 34
companies
in the Banks industry
Industry Median: 9.785
vs NSE:REPCOHOME: 20.46
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Repco Home Finance Debt-to-EBITDA Related Terms
Repco Home Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Repco Home Finance's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:REPCOHOME vs RKT, FNMA, PFSI: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Repco Home Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Repco Home Finance Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Repco Home Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Repco Home Finance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Repco Home Finance (NSE:REPCOHOME) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Repco Home Finance. Over the past decade, Repco Home Finance's Debt-to-EBITDA has ranged from 19.75 to 21.08. According to the industry distribution chart, Repco Home Finance ranks #25 out of 34 companies in the Banks industry, placing it in the top 73.5%.
Is Repco Home Finance's Debt-to-EBITDA too high?
Repco Home Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 19.75 to a high of 21.08. Based on the distribution chart, Repco Home Finance ranks #25 out of 34 companies in the Banks industry, which is below the industry midpoint. Overall, Repco Home Finance has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Repco Home Finance's Debt-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Repco Home Finance ranks #25 out of 34 companies for Debt-to-EBITDA. This places Repco Home Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 9.79. Historically, Repco Home Finance's own Debt-to-EBITDA has ranged from 19.75 to 21.08 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 9.79, based on 34 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Repco Home Finance. For the Banks industry, the median Debt-to-EBITDA is 9.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repco Home Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repco Home Finance stock overvalued right now?
Based on GuruFocus' analysis, Repco Home Finance (NSE:REPCOHOME) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹451.61, compared to a current price of ₹359.05 — trading 20.5% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Repco Home Finance's overall GF Score™ is 77/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Repco Home Finance (NSE:REPCOHOME), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Repco Home Finance (NSE:REPCOHOME) Overvalued in 2026?
Based on GuruFocus' analysis, Repco Home Finance stock appears to be undervalued.
The current stock price of ₹359.05 is trading 20.5% below its estimated GF Value™ of ₹451.61.
GuruFocus considers Repco Home Finance to be Modestly Undervalued.
Key valuation signals for NSE:REPCOHOME:
Debt-to-EBITDA: 0.00
GF Value™: ₹451.61 vs. price of ₹359.05 (20.5% below fair value)
No single metric tells the full story. See the NSE:REPCOHOME stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repco Home Finance Ltd is an India-based company that is engaged in housing finance. The company provides a broad range of individual home loans and loans against property. The company operates in two business segments: Individual Home Loans and Home Equity. The company operates business solely in India, with a retail network of branches and satellite centers expanding across several states.
77GF Score
Get the complete analysis for NSE:REPCOHOME
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:REPCOHOME has been successfully added to your 
