Repco Home FinanceNSE:REPCOHOME +1.88%77 Gross Margin % is 35.56% as of Mar. 2026, which is 2% below its 10-year median of 36.22. GuruFocus rates NSE:REPCOHOME with a GF Score™ of 77/100 and a GF Value™ of ₹497.05 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 44 Banks companies, Repco Home Finance ranks worse than 56.82% on this metric.
The historical rank and industry rank for Repco Home Finance's Gross Margin % or its related term are showing as below:
NSE:REPCOHOME'
s Gross Margin % Range Over the Past 10 Years
Min: 35.76 Med: 36.22 Max: 38.46
Current: 36.16
During the past 13 years, the highestGross Margin % of Repco Home Finance was 38.46%. The lowest was 35.76%. And the median was 36.22%.
NSE:REPCOHOME's Gross Margin % is ranked worse than 56.82% of 44
companies
in the Banks industry
Industry Median: 41.015
vs NSE:REPCOHOME: 36.16
Repco Home Finance had a gross margin of 35.56% for the quarter that ended in Mar. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for Repco Home Finance was 0.00% per year.
Repco Home Finance (NSE:REPCOHOME) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Repco Home Finance had a gross margin of 35.56% for the quarter that ended in Mar. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Repco Home Finance Gross Margin % Related Terms
Repco Home Finance Gross Margin % Historical Data
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The historical data trend for Repco Home Finance's Gross Margin % 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: Gross Margin % Comparison
For the Mortgage Finance subindustry, Repco Home Finance's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Repco Home Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Repco Home Finance's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Repco Home Finance (NSE:REPCOHOME) has a Gross Margin % of 35.56% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Repco Home Finance and its competitors. This is near median its historical median of 36.22. Over the past decade, Repco Home Finance's Gross Margin % has ranged from 35.76 to 38.46. According to the industry distribution chart, Repco Home Finance ranks #25 out of 44 companies in the Banks industry, placing it in the top 56.8%.
Is Repco Home Finance's Gross Margin % too high?
Repco Home Finance's current Gross Margin % of 35.56% is near median its 10-year median of 36.22. Over the past 10 years, this metric has ranged from a low of 35.76 to a high of 38.46. The Banks industry median Gross Margin % is 41.02. Repco Home Finance's value of 35.56% is 13.3% below this industry median. Based on the distribution chart, Repco Home Finance ranks #25 out of 44 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 Gross Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Repco Home Finance ranks #25 out of 44 companies for Gross Margin %. This places Repco Home Finance in the lower half of its industry. The industry median Gross Margin % is 41.02. Repco Home Finance's value of 35.56% is 13.3% below this benchmark. Historically, Repco Home Finance's own Gross Margin % has ranged from 35.76 to 38.46 over the past decade. While the company's 10-year median is 36.22 vs. the industry median of 41.02, Repco Home Finance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for a Banks company?
The median Gross Margin % among Banks companies is 41.02, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repco Home Finance's current Gross Margin % of 35.56% is 13.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Repco Home Finance and its competitors. For the Banks industry, the median Gross Margin % is 41.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repco Home Finance's current Gross Margin % is 35.56%, which is near median its own 10-year median of 36.22. 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 ₹497.05, compared to a current price of ₹433.35 — trading 12.8% below its estimated fair value. The current Gross Margin % is 35.56%, which is near median its 10-year median of 36.22 and 13.3% below the Banks industry median of 41.02. Repco Home Finance's overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Repco Home Finance (NSE:REPCOHOME), the current Gross Margin % is 35.56% as of Mar. 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 ₹433.35 is trading 12.8% below its estimated GF Value™ of ₹497.05.
GuruFocus considers Repco Home Finance to be Modestly Undervalued.
Key valuation signals for NSE:REPCOHOME:
Gross Margin %: 35.56% (near median its 10-year median of 36.22)
GF Value™: ₹497.05 vs. price of ₹433.35 (12.8% below fair value)
Industry Position: 13.3% below the Banks median (#25 of 44)
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
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