Home First Finance Company India Limited HOMEFIRST NIFTY_SMALLNSEFINANCIAL
Financial Services · Mortgage Finance · India
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 loans through mobile applications. It serves salaried professionals, self-employed individuals, and small business owners, as well as corporates. Home First Finance Company India Limited was incorporated in 2010 and is headquartered in Mumbai, India.
READ MORE ›₹1,065.20
-10.90% 1Y
Market & Price
Market Cap
₹11,126.92 Cr
Current Price
₹1,065.20
High / Low (52W)
₹1,479.00 / ₹904.80
Beta
0.62
Valuation
Stock P/E
20.66
Industry PE
19.12
Forward P/E
13.91
PEG Ratio
-
Book Value
₹418.49
Price to Book
2.55
P/S
10.51
EV/EBITDA
-
Dividend Yield
0.49%
Profitability & Returns
ROCE
3.97%
ROE
15.71%
ROA
3.95%
Profit Margin
51.03%
Op Margin
66.55%
EPS (Latest Qtr)
₹14.22
EPS (TTM)
₹51.56
Balance Sheet & Liquidity
Debt/Equity
2.43
Quick Ratio
206.41
Current Ratio
209.80
Debt
₹10,590.05 Cr
Total Assets
₹15,166.54 Cr
Current Assets
₹13,982.11 Cr
Working Capital
₹13,792.30 Cr
Ownership
Promoter Holding
9.38%
Chg in Prom Hold
-
FII / Inst Holding
69.39%
Chg in FII Hold
-0.00%
Financial Snapshot
Enterprise Value
₹20,777.62 Cr
Total Revenue (TTM)
₹1,059.06 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-1,939.78 Cr
Shares Outstanding
₹10.45 Cr
Gross Margin
100.00%
Payout Ratio
7.17%
Growth (CAGR)
Revenue 5Y
36.10%
Profit 5Y
33.27%
Revenue (YoY)
33.70%
Earnings (YoY)
24.20%
PROS
- Excellent profit margin of 51.0%.
- Compounding revenue at 36.1% over 5 years.
- Profit CAGR of 33.3% over 5 years.
CONS
- Trading 28.0% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | HOMEFIRST Home First Finance Company India Limited NIFTY_SMALLNSEFINANCIAL | 1,065.20 | 20.66 | ₹11,126.92 Cr | 0.49% | 3.97% | 15.71% | 36.10% | 33.27% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 371.16 Cr | 380.22 Cr | 413.63 Cr | 448.92 Cr | 453.78 Cr |
| Cost of Revenue | 243.42 Cr | 242.10 Cr | 260.65 Cr | 257.66 Cr | 260.24 Cr |
| Gross Profit | 127.74 Cr | 138.12 Cr | 152.99 Cr | 191.26 Cr | 193.54 Cr |
| Operating Expenses | 23.30 Cr | 27.16 Cr | 25.05 Cr | 27.55 Cr | 31.50 Cr |
| Operating Income | 104.44 Cr | 110.95 Cr | 127.94 Cr | 163.71 Cr | 162.04 Cr |
| EBITDA | 108.56 Cr | 115.28 Cr | 132.32 Cr | 168.59 Cr | 167.14 Cr |
| Interest Expense | - | - | - | - | - |
| Pretax Income | 129.82 Cr | 137.90 Cr | 156.50 Cr | 182.83 Cr | 195.19 Cr |
| Tax Provision | 32.43 Cr | 33.20 Cr | 37.61 Cr | 42.63 Cr | 45.74 Cr |
| Net Income | 97.38 Cr | 104.69 Cr | 118.89 Cr | 140.20 Cr | 149.44 Cr |
| Diluted EPS | 10.65 | 11.45 | 11.48 | 13.34 | 14.22 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 692.90 Cr | 979.55 Cr | 1,399.33 Cr | 1,746.76 Cr |
| Cost of Revenue | - | 371.77 Cr | 586.16 Cr | 909.68 Cr | 1,041.02 Cr |
| Gross Profit | - | 321.13 Cr | 393.38 Cr | 489.65 Cr | 705.74 Cr |
| Operating Expenses | - | 81.68 Cr | 106.81 Cr | 94.88 Cr | 110.73 Cr |
| Operating Income | - | 239.45 Cr | 286.57 Cr | 394.77 Cr | 595.00 Cr |
| EBITDA | - | 323.48 Cr | 442.19 Cr | 410.30 Cr | 613.90 Cr |
| Interest Expense | 21.14 Cr | 19.19 Cr | 30.50 Cr | 31.00 Cr | - |
| Pretax Income | - | 295.22 Cr | 399.96 Cr | 501.59 Cr | 707.75 Cr |
| Tax Provision | - | 66.93 Cr | 94.24 Cr | 119.52 Cr | 167.37 Cr |
| Net Income | - | 228.29 Cr | 305.72 Cr | 382.07 Cr | 540.38 Cr |
| Diluted EPS | 20.54 | 25.20 | 33.67 | 42.07 | - |
Compounded Sales Growth
| 5 Years: | 36.10% |
| 1 Year: | 33.70% |
Compounded Profit Growth
| 5 Years: | 33.27% |
| 1 Year: | 24.20% |
Stock Price Performance
| 1 Year: | -10.90% |
| 6 Months: | -9.00% |
| 3 Months: | -8.17% |
| 1 Month: | -5.20% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 6,738.96 Cr | 9,533.96 Cr | 12,211.67 Cr | 15,166.54 Cr |
| Current Assets | - | 1,439.74 Cr | 8,965.98 Cr | 11,593.04 Cr | 13,982.11 Cr |
| Cash & Equivalents | - | 235.56 Cr | 580.48 Cr | 599.13 Cr | 448.70 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | - | 0 | 5.55 Cr | 7.81 Cr |
| Total Liabilities | - | 4,921.62 Cr | 7,412.47 Cr | 9,690.39 Cr | 10,810.00 Cr |
| Current Liabilities | - | 1,163.73 Cr | 94.33 Cr | 104.97 Cr | 189.81 Cr |
| Long Term Debt | - | 3,741.93 Cr | 7,302.10 Cr | 9,550.70 Cr | 10,590.05 Cr |
| Total Debt | - | 4,813.47 Cr | 7,302.10 Cr | 9,550.70 Cr | 10,590.05 Cr |
| Total Equity | - | 1,817.34 Cr | 2,121.49 Cr | 2,521.28 Cr | 4,356.54 Cr |
| Shares Outstanding | - | 8.80 Cr | 8.85 Cr | 9.01 Cr | 10.43 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 Cr | 2,469.98 Cr | 2,215.28 Cr | 2,197.50 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 Cr | 344.91 Cr | 18.65 Cr | -150.43 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | 46.3% | 40.2% | 35.0% | 40.4% |
| Operating Margin % | - | 34.6% | 29.3% | 28.2% | 34.1% |
| Net Margin % | - | 32.9% | 31.2% | 27.3% | 30.9% |
| ROE % | - | 12.6% | 14.4% | 15.2% | 12.4% |
| ROCE % | - | 4.3% | 3.0% | 3.3% | 4.0% |
Shareholding Pattern
Insiders
9.38%
Institutions
69.39%
Public Float
76.58%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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