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Home First Finance Company India Ltd.

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homefirstindia.comBSE: 543259NSE: HOMEFIRST
Market Cap₹ 12,387 Cr.
Current Price
High / Low₹ 1,318 / 894
Stock P/E21.3
Book Value₹ 425
Price to Book2.20
Dividend Yield0.44 %
ROCE11.1 %
ROE16.0 %
Face Value₹ 2

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 40.1% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 44.1%
  • Solid return on assets for a lender - ROA of 3.9%
  • Asset quality is healthy - gross NPA of just 1.6%
  • Company has delivered good sales growth of 31.4% CAGR over last 5 years
  • Latest quarter profit grew 34.5% YoY, showing strong momentum

CONS

  • Promoter holding has decreased over last 2 years: -16.5pp
  • Company has a low return on capital employed of 11.2%
  • Free cash flow has been persistently negative
  • Equity base is being diluted - shares outstanding up 18.5%
  • Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY TOTAL MKTNIFTY SML250 Q50NIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR652.0514.157118.251.53137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
253272296312336372405413452476481499538
60626558687581849499102109332
Operating Profit195212231255269298325331360379380392420
OPM %76.84%77.76%78.22%81.77%80.13%80.17%80.30%80.08%79.50%79.57%79.12%78.55%77.98%
Other Income5555512222132
Interest107117130146157176193190200203194195208
Depreciation3333344445555
9096103111114120130138156173183195208
Tax %23.23%22.95%23.28%24.63%22.68%23.37%24.98%24.08%24.03%23.89%23.32%23.44%23.01%
Net Profit69747983889297105119132140149160
889910101112121314142

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
921322603994895967911,1371,5301,9151,994
264275111127143183242303400642
Operating Profit66911852873624536088961,2271,5141,352
OPM %72.02%68.55%71.30%72.09%74.05%76.01%76.83%78.73%80.17%79.10%67.81%
02112100519988
Interest5466127194221219308503719796800
Depreciation225788912161920
Profit before Tax102465107134226295400502708759
Tax %35.53%34.09%29.96%25.88%25.29%17.76%22.67%23.56%23.83%23.65%23.40%
Net Profit7164680100186228306382540581
EPS3.073.027.6510.5712.1820.5425.2034.5442.4351.80—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%10.02%9.84%8.72%10.04%—

COMPOUNDED SALES GROWTH

10 Years:
41%
5 Years:
31%
3 Years:
34%

COMPOUNDED PROFIT GROWTH

10 Years:
57%
5 Years:
40%
3 Years:
33%

STOCK PRICE CAGR

10 Years:
—
5 Years:
15%
3 Years:
12%
1 Year:
-8%

RETURN ON EQUITY

10 Years:
11%
5 Years:
15%
3 Years:
16%
Last Year:
16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

May 29

₹ 2.60

Rs.5.2000 per share(260%)Final Dividend

2025

May 30

₹ 1.85

Rs.3.7000 per share(185%)Final Dividend

2024

Jun 7

₹ 1.70

Rs.3.4000 per share(170%)Final Dividend

2023

May 19

₹ 1.30

Rs.2.6000 per share(130%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital10101316171818181821
2933095069101,3531,5421,7762,0652,4464,262
6631,0201,9262,4943,0543,4674,8137,3029,57010,614
Trade Payables31105615111616
22315183110128209253276420
Total Liabilities9911,3712,4963,5034,5395,1616,8319,64912,32615,333
7101721172026304656
Capital Work in Progress0100000000
001031463750281379360812
0000000068
Cash & Bank18230192222680668298822892793
8021,3292,1843,1153,4684,4736,2268,41911,02213,665
Total Assets9911,3712,4963,5034,5395,1616,8319,64912,32615,333

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-268-494-774-799-397-1,017-1,840-2,423-2,816-2,822
Cash from Investing-1456-105-108-615804-267-217-0-408
Cash from Financing3803571,0598939004111,3532,4702,2152,197
93-93163-3862408-38234519-150

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
23.4523.3814.3114.2512.4312.3912.356.996.97
24.6825.5237.8635.9637.1939.9940.8245.7243.90
11.9612.4118.2819.8221.8928.8427.6127.5029.81
Government0.000.000.000.000.000.000.000.000.00
39.8538.6229.5029.9328.4918.7819.2219.7919.32

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-11
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-11 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet

2026-09-10
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-10 - Home First Finance Company India Limited has informed the Exchange about Outcome of the Investor Meet

2026-09-07
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-07 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet

2026-09-02
General Updates

2026-09-02 - Home First Finance Company India Limited has informed the Exchange about ESG score by NSE Sustainability Ratings and Analytics Limited

2026-09-02
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-02 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet

2026-08-31
Resignation of Director/KMP/SMP

2026-08-31 - Home First Finance Company India Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-31
Resignation

2026-08-31 - Home First Finance Company India Limited has informed the Exchange regarding Resignation of Ms Nutan Gaba Patwari as Chief Financial Officer of the company w.e.f. August 31, 2026.

2026-08-28
Allotment of Securities

2026-08-28 - Home First Finance Company India Limited has informed the Exchange regarding allotment of 15000 securities pursuant to Non Convertible Securities at its meeting held on August 28, 2026

2026-08-26
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet

News

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