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Repco Home FinanceBOM:535322 -0.04%77 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 211.68. GuruFocus rates BOM:535322 with a GF Score™ of 77/100 and a GF Value™ of ₹454.00 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 19 Banks companies, Repco Home Finance ranks worse than 5263152.63% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Repco Home Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1,550 Mil. Repco Home Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Repco Home Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Repco Home Finance's Interest Coverage or its related term are showing as below:
BOM:535322's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 26.97 * Ranked among companies with meaningful Interest Coverage only.
Repco Home Finance (BOM:535322) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Repco Home Finance Interest Coverage Related Terms
Repco Home Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Repco Home Finance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:535322 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Repco Home Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Repco Home Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Repco Home Finance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Repco Home Finance (BOM:535322) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Repco Home Finance and its competitors. This is 100% below median its historical median of 211.68. Over the past decade, Repco Home Finance's Interest Coverage has ranged from 170.74 to 252.62. According to the industry distribution chart, Repco Home Finance ranks #999999 out of 19 companies in the Banks industry.
Is Repco Home Finance's Interest Coverage too high?
Repco Home Finance's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 211.68. Over the past 10 years, this metric has ranged from a low of 170.74 to a high of 252.62. Based on the distribution chart, Repco Home Finance ranks #999999 out of 19 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Repco Home Finance ranks #999999 out of 19 companies for Interest Coverage. This places Repco Home Finance in the lower half of its industry. The industry median Interest Coverage is 26.97. Historically, Repco Home Finance's own Interest Coverage has ranged from 170.74 to 252.62 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 Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 26.97, based on 19 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Repco Home Finance and its competitors. For the Banks industry, the median Interest Coverage is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repco Home Finance's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 211.68. 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 (BOM:535322) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹454.00, compared to a current price of ₹365.65 — trading 19.5% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 211.68. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Repco Home Finance (BOM:535322), the current Interest Coverage is No Debt (1) 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 (BOM:535322) Overvalued in 2026?
Based on GuruFocus' analysis, Repco Home Finance stock appears to be undervalued.
The current stock price of ₹365.65 is trading 19.5% below its estimated GF Value™ of ₹454.00.
GuruFocus considers Repco Home Finance to be Modestly Undervalued.
Key valuation signals for BOM:535322:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 211.68)
GF Value™: ₹454.00 vs. price of ₹365.65 (19.5% below fair value)
No single metric tells the full story. See the BOM:535322 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 BOM:535322
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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