REPCOHOMEREPCOHOME Forensic Risk Analysis

Housing Finance Company
Risk ClassStable
Market Cap₹2,283 Cr
Primary DriverEarnings Quality
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
16 / 100
+5 QoQ
Early Deterioration
Sentinel Insight

Asset quality remains stable for now. Weakness is detected in core profitability and credit costs. No immediate concerns are visible. Risk is increasing at a faster pace.

90.9th %ile (Sector)Accel: +1 Qtrs
Updated2026-06-02
Market View
₹373.8▼1.75%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality
+16.5 pts
Stability Adjustment
-1.0 pts
Final Composite Risk16 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 16 over 12 quarters.

Expected Direction
⚠ Watch
Primary Deterioration Drivers
  • NIM Compression
  • Operating Leverage Stress
What to Watch Next Quarter
  • Operating profit margins
  • Debt growth

Active Risk Objects (2)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 4 Qtrs
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ4 FY2026
REPCOHOME: NIM decline is accelerating (33 bps drop vs prev -21 bps).

"NIM is under severe pressure due to rising cost of funds or falling asset yields."

Operating Leverage Stress
📊 Earnings QualityAnnualActive for 4 Years
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ3 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt levels are creeping up. Monitor for signs of excessive borrowing for non-core activities."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)3.273.70✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+50.0+61.0📈 CRITICAL
Forensic Benchmark Context: Housing Finance Company (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹373.8(-1.75%)
1M Divergence-7.52%
1 Week-4.86%
1 Month-8.25%
6 Months-7.34%
1 Year-5.25%
2 Year-18.19%
3 Year+44.44%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in earnings quality remain well-maintained against forensic benchmarks. Systematic scans of operational margins and profitability metrics confirm the absence of material structural stress. Strategic vigilance is advised as structural decay is accelerating.

REPCOHOME • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.34%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score20%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing34%
CoinTree Momentum
Composite Z-Score-0.4212σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#1925 of 2716
Top 70.88% in momentum strength
Timeframe Sparklines
1W-4.9%
1M-8.3%
6M-7.3%
Weinstein Indicators
150 DMA₹397.59
200 DMA₹390.62
150 DMA Slope+0.5163%Rising
Relative Strength-1.85%Neutral
Relative Turnover (RTR)1.3193
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company shows higher risk compared to the Sector Mean (5).
AADHARHFCAadhar Housing Finance Limited
10 Risk
Sector %ile82th
Delta0
Active Flags4
Accel+0
Earnings Quality

Stable

REPCOHOMEREPCOHOME
16 Risk
Sector %ile91th
Delta+5
Active Flags2
Accel+1
Earnings Quality

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
3.434th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2025

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20261,794475-89612,206
FY20251,721461-61011,139
FY20241,54141615710,701
FY20231,2993163369,924