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Home First Finance Company India Limited HOMEFIRST NIFTY_SMALLNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://homefirstindia.com
Company Profile ↓
₹1,021.30
-17.05% 1Y
Mkt Cap₹10,679.03 Cr
P/E18.20
P/B2.58
Div. Yield0.48%
52W High₹1,324.21
52W Low₹900.59
Book Value₹417.58
EPS (TTM)₹56.11

Company Overview

Home First Finance Company India Limited operates as a housing finance company in India. The company offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. It also provides insurance loan products and loans through mobile applications. The company serves salaried professionals, self-employed individuals, informal earners, and small business owners, as well as corporates. Home First Finance Company India Limited was incorporated in 2010 and is headquartered in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 33.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 33.7% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 51.4%.

Recent Developments

  • Mar 2026 Revenue of ₹1,656.17 Cr (+25.0% YoY); net profit ₹540.38 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +29.7%, earnings +32.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 33.7%, profit CAGR 33.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:33.70%
1 Year:29.70%

Compounded Profit Growth

5 Years:33.27%
1 Year:32.30%

Stock Price Performance

1 Year:-17.05%
6 Months:-10.95%
3 Months:-13.01%
1 Month:-15.77%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 28% of range
₹900.59 ₹1,324.21
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)29.84 · Oversold
Price Performance
1M-15.77%
3M-13.01%
6M-10.95%
1Y-17.05%
Valuation vs Sector

P/E of 18.20 is above the sector median of 15.25 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 51.4%.
  • Compounding revenue at 33.7% over 5 years.
  • Profit CAGR of 33.3% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
18.20
Industry PE
15.25
Forward P/E
12.99
PEG Ratio
-
Book Value
₹417.58
Price to Book
2.58
P/S
9.96
EV/EBITDA
29.49
Dividend Yield
0.48%

Growth (CAGR)

Revenue 5Y
33.70%
Profit 5Y
33.27%
Revenue (YoY)
29.70%
Earnings (YoY)
32.30%

Profitability & Returns

ROCE
4.98%
ROE
12.40%
ROA
3.56%
Profit Margin
51.43%
Op Margin
66.04%
Gross Margin
99.94%
EPS (Latest Qtr)
₹15.19
EPS (TTM)
₹56.11

Balance Sheet & Liquidity

Debt/Equity
2.44
Quick Ratio
-
Current Ratio
73.66
Debt
₹10,627.49 Cr
Total Assets
₹15,166.54 Cr
Current Assets
₹13,982.11 Cr
Working Capital
₹13,792.30 Cr

Ownership

Promoter Holding
9.34%
Chg in Prom Hold
-0.00%
FII / Inst Holding
66.71%
Chg in FII Hold
-0.20%

Financial Snapshot

Enterprise Value
₹10,679.03 Cr
Total Revenue (TTM)
₹1,130.40 Cr
EBITDA
₹765.17 Cr
Free Cash Flow
₹-1,949.33 Cr
Operating Cash Flow
₹-1,939.78 Cr
Shares Outstanding
₹10.46 Cr
Gross Margin
99.94%
Payout Ratio
9.42%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HOMEFIRST Home First Finance Company India Limited NIFTY_SMALLNSEFINANCIAL 1,021.30 18.20 ₹10,679.03 Cr 0.48% 4.98% 12.40% 33.70% 33.27%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue 371.16 Cr380.22 Cr413.63 Cr448.92 Cr453.78 Cr485.39 Cr
Cost of Revenue 243.42 Cr242.10 Cr260.65 Cr257.66 Cr260.24 Cr284.68 Cr
Gross Profit 127.74 Cr138.12 Cr152.99 Cr191.26 Cr193.54 Cr200.71 Cr
Operating Expenses 23.30 Cr27.16 Cr25.05 Cr27.55 Cr31.50 Cr29.61 Cr
Operating Income 104.44 Cr110.95 Cr127.94 Cr163.71 Cr162.04 Cr171.10 Cr
EBITDA 108.56 Cr115.28 Cr132.32 Cr168.59 Cr167.14 Cr176.40 Cr
Interest Expense ------
Pretax Income 129.82 Cr137.90 Cr156.50 Cr182.83 Cr195.19 Cr207.63 Cr
Tax Provision 32.43 Cr33.20 Cr37.61 Cr42.63 Cr45.74 Cr47.78 Cr
Net Income 97.38 Cr104.69 Cr118.89 Cr140.20 Cr149.44 Cr159.85 Cr
Diluted EPS 10.6511.4511.4813.3414.2215.19

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -692.90 Cr979.55 Cr1,325.46 Cr1,656.17 Cr
Cost of Revenue -371.77 Cr586.16 Cr837.51 Cr941.68 Cr
Gross Profit -321.13 Cr393.38 Cr487.95 Cr714.49 Cr
Operating Expenses -81.68 Cr106.81 Cr132.65 Cr167.99 Cr
Operating Income -239.45 Cr286.57 Cr355.30 Cr546.49 Cr
EBITDA -323.48 Cr442.19 Cr548.12 Cr765.17 Cr
Interest Expense -19.19 Cr30.50 Cr31.00 Cr38.52 Cr
Pretax Income -295.22 Cr399.96 Cr501.59 Cr707.75 Cr
Tax Provision -66.93 Cr94.24 Cr119.52 Cr167.37 Cr
Net Income -228.29 Cr305.72 Cr382.07 Cr540.38 Cr
Diluted EPS 20.5425.2033.6742.0751.59

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -6,738.96 Cr9,533.96 Cr12,211.67 Cr15,166.54 Cr
Current Assets -1,439.74 Cr8,965.98 Cr11,593.05 Cr13,982.11 Cr
Cash & Equivalents -235.56 Cr580.48 Cr599.13 Cr448.70 Cr
Inventory -----
Receivables --05.55 Cr7.81 Cr
Total Liabilities -4,921.62 Cr7,412.47 Cr9,690.39 Cr10,810.00 Cr
Current Liabilities -1,163.73 Cr94.33 Cr104.97 Cr189.81 Cr
Long Term Debt -3,741.93 Cr7,302.10 Cr9,550.70 Cr10,590.05 Cr
Total Debt -4,813.47 Cr7,302.10 Cr9,550.70 Cr10,590.05 Cr
Total Equity -1,817.34 Cr2,121.49 Cr2,521.28 Cr4,356.54 Cr
Shares Outstanding -8.80 Cr8.85 Cr9.01 Cr10.43 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --1,468.53 Cr-1,907.68 Cr-2,196.42 Cr-1,939.78 Cr
Investing Cash Flow --266.59 Cr-217.38 Cr-21.20 L-408.14 Cr
Financing Cash Flow -1,352.92 Cr2,469.98 Cr2,215.28 Cr2,197.50 Cr
Capital Expenditure --7.15 Cr-8.00 Cr-11.93 Cr-9.55 Cr
Free Cash Flow --1,475.69 Cr-1,915.68 Cr-2,208.35 Cr-1,949.33 Cr
Net Change in Cash --382.19 Cr344.91 Cr18.65 Cr-150.43 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -46.3%40.2%36.8%43.1%
Operating Margin % -34.6%29.3%26.8%33.0%
Net Margin % -32.9%31.2%28.8%32.6%
ROE % -12.6%14.4%15.2%12.4%
ROCE % -4.3%3.0%2.9%3.6%

Shareholding Pattern

Insiders
9.34%
Institutions
66.71%
Public Float
73.58%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for HOMEFIRST

Google News hu, 25 Jun 2026

HOMEFIRST Forecast — Price Target — Prediction for 2027 - TradingView

<a href="https://news.google.com/rss/articles/CBMifEFVX3lxTE1XRmh4Z3pTbW1wRW0yMzZHRTA4VEJmQ0lHM2NMNU5ndnlzSmNQZG5venZGQ3R4Yk01VHVhMnYtR1ZTSjBlUlljNExkRVNBa2NteDFmV1l6ckZ4akwxLVZJX1N6SU5oelk4YkNiX2YzZkhsS3FZQTJkaXczY0Q?oc=5" target="_blank">…

Google News Wed, 06 May 2026

Home First Finance profit surges 43% on strong AUM growth - The Economic Times

<a href="https://news.google.com/rss/articles/CBMizwFBVV95cUxOWjF1X0lkN3R0U0ZBckRnYVNWaEVJNzJYUHVDVkI0ZXlQQ2hCZFlUbVZNT0lJV2ctUGw1WnhYSGVLYWpuMWtvX0RVZ0sydXljSElObjBVRG4xbHhEbWVubEl4X05oWjYzNGtOZjdSZThSbDZEVlRraWxPMlRvRFEwLThWNVpqbzZoY1BrTz…

Google News ue, 29 Sep 2026

Does Home First Finance Company India (NSE:HOMEFIRST) Deserve A Spot On Your Watchlist? - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMihwJBVV95cUxNV0xjVU5UeVpjQkk3TEZpdW9rOU9JQWQxcGVsYzNEZWE4WmFSTlh0ZlBmQmxvOFR5RU9pQ09uSHdhdVh0TnJVd0gzY1BsZTVSdTBLS2d3aHdla1NTS012VDFUdWhTODgwdzUtcEtHZHg5TWZmZHgzRmhQV0REZVd5cV96MkJ2alpfQU5SVU…

Google News ue, 08 Sep 2026

Stock Picks Today: Polycab, Home First Finance, GE Vernova, Sansera Engineering And More On Brokerages' Radar - NDTV Profit

<a href="https://news.google.com/rss/articles/CBMi5wFBVV95cUxNQVoydHlwVG44WXdJUVR1X2pHRjl4T0pvNEloYkRTeUxWS3ZncjU3N1ZqS2FGaDdQWVN1MHNxU0Y4S203RHUxVW5QX2ZYQk9Lci1vaWhMbHppcGF0dmtQLWxEVHc4NHQxdDctM25TNEdoQmpWMXlHVktXT2pFcHF1M0x6c1pLenNkLWJJbk…

Google News Sun, 11 Oct 2026

HOMEFIRST Q2 2026 Earnings: ₹51.59 EPS and 24.95% Revenue Growth Leave the Stock Nearly Flat - https://www.siam.in/

<a href="https://news.google.com/rss/articles/CBMiygFBVV95cUxQREZNaGhaSDg3RUdiQkJBS2Q2aWJ5c1N5QnNpc25oV19qajBGYWFkVGdzc1NVT1FvamJiYTdzcERsSVI2dUk3Vm9ZQnJ0UnFLaG9xYXUwM2VNMlZiaVNIc0tURXh3OG02aEc5VEVxanRZYjAya2ZxTV9pQ2lsSkdhZlRjTU1GcGxSV21tSk…

Google News Fri, 18 Sep 2026

Home First Finance Company India Ltd. (HOMEFIRST) Share Price rises 7.26% today - Univest

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HOMEFIRST — Frequently Asked Questions

What is the current share price of Home First Finance Company India Limited (HOMEFIRST)?

As of 2026-10-24 04:55 IST, Home First Finance Company India Limited (HOMEFIRST) trades at ₹1,021.30 on NSE. Its 52-week range is ₹900.59 to ₹1,324.21.

What is the market capitalisation of HOMEFIRST?

Home First Finance Company India Limited (HOMEFIRST) has a market capitalisation of ₹10,679.03 Cr on NSE.

What is the P/E ratio of HOMEFIRST?

HOMEFIRST trades at a trailing price-to-earnings (P/E) ratio of 18.20. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 2.58.

Does HOMEFIRST pay a dividend?

Home First Finance Company India Limited (HOMEFIRST) currently offers a dividend yield of 0.48%.

What is the return on equity (ROE) of HOMEFIRST?

HOMEFIRST has a return on equity (ROE) of 12.40%. Its return on capital employed (ROCE) is 4.98%.

Is HOMEFIRST a good stock to buy?

This page provides a data-driven analysis of Home First Finance Company India Limited (HOMEFIRST), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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