Home First Finance Company India Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 82.93 | 663.40 | 69100.05 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2311.65 | 32.42 | 54700.64 | 0.48 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 175.45 | 8.25 | 35123.34 | 3.45 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| LICHSGFIN | 556.60 | 5.34 | 30616.51 | 1.80 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| PNBHOUSING | 1142.90 | 12.88 | 29807.28 | 0.70 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| AADHARHFC | 471.70 | 18.12 | 20670.21 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 150.05 | 0.00 | 17474.18 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| APTUS | 258.20 | 13.13 | 12931.44 | 1.74 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| HOMEFIRST | 1202.80 | 21.63 | 12576.41 | 0.43 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| CANFINHOME | 787.55 | 9.28 | 10486.59 | 1.90 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1292.95 | 20.89 | 10252.36 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| INDIASHLTR | 667.55 | 14.48 | 7287.46 | 1.50 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 253 | 272 | 296 | 312 | 336 | 372 | 405 | 413 | 452 | 476 | 481 | 499 | 538 | |
| 60 | 62 | 65 | 58 | 68 | 75 | 81 | 84 | 94 | 99 | 102 | 109 | 332 | |
| Operating Profit | 195 | 212 | 231 | 255 | 269 | 298 | 325 | 331 | 360 | 379 | 380 | 392 | 420 |
| 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 Income | 5 | 5 | 5 | 5 | 5 | 1 | 2 | 2 | 2 | 2 | 1 | 3 | 2 |
| Interest | 107 | 117 | 130 | 146 | 157 | 176 | 193 | 190 | 200 | 203 | 194 | 195 | 208 |
| Depreciation | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 |
| 90 | 96 | 103 | 111 | 114 | 120 | 130 | 138 | 156 | 173 | 183 | 195 | 208 | |
| 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 Profit | 69 | 74 | 79 | 83 | 88 | 92 | 97 | 105 | 119 | 132 | 140 | 149 | 160 |
| 8 | 8 | 9 | 9 | 10 | 10 | 11 | 12 | 12 | 13 | 14 | 14 | 2 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 92 | 132 | 260 | 399 | 489 | 596 | 791 | 1,137 | 1,530 | 1,915 | 1,994 | |
| 26 | 42 | 75 | 111 | 127 | 143 | 183 | 242 | 303 | 400 | 642 | |
| Operating Profit | 66 | 91 | 185 | 287 | 362 | 453 | 608 | 896 | 1,227 | 1,514 | 1,352 |
| OPM % | 72.02% | 68.55% | 71.30% | 72.09% | 74.05% | 76.01% | 76.83% | 78.73% | 80.17% | 79.10% | 67.81% |
| 0 | 2 | 11 | 21 | 0 | 0 | 5 | 19 | 9 | 8 | 8 | |
| Interest | 54 | 66 | 127 | 194 | 221 | 219 | 308 | 503 | 719 | 796 | 800 |
| Depreciation | 2 | 2 | 5 | 7 | 8 | 8 | 9 | 12 | 16 | 19 | 20 |
| Profit before Tax | 10 | 24 | 65 | 107 | 134 | 226 | 295 | 400 | 502 | 708 | 759 |
| Tax % | 35.53% | 34.09% | 29.96% | 25.88% | 25.29% | 17.76% | 22.67% | 23.56% | 23.83% | 23.65% | 23.40% |
| Net Profit | 7 | 16 | 46 | 80 | 100 | 186 | 228 | 306 | 382 | 540 | 581 |
| EPS | 3.07 | 3.02 | 7.65 | 10.57 | 12.18 | 20.54 | 25.20 | 34.54 | 42.43 | 51.80 | — |
| 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:
- 16%
- 3 Years:
- 12%
- 1 Year:
- -5%
RETURN ON EQUITY
- 10 Years:
- 11%
- 5 Years:
- 15%
- 3 Years:
- 16%
- Last Year:
- 16%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 13 | 16 | 17 | 18 | 18 | 18 | 18 | 21 |
| 293 | 309 | 506 | 910 | 1,353 | 1,542 | 1,776 | 2,065 | 2,446 | 4,262 | |
| 663 | 1,020 | 1,926 | 2,494 | 3,054 | 3,467 | 4,813 | 7,302 | 9,570 | 10,614 | |
| Trade Payables | 3 | 1 | 1 | 0 | 5 | 6 | 15 | 11 | 16 | 16 |
| 22 | 31 | 51 | 83 | 110 | 128 | 209 | 253 | 276 | 420 | |
| Total Liabilities | 991 | 1,371 | 2,496 | 3,503 | 4,539 | 5,161 | 6,831 | 9,649 | 12,326 | 15,333 |
| 7 | 10 | 17 | 21 | 17 | 20 | 26 | 30 | 46 | 56 | |
| Capital Work in Progress | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 103 | 146 | 375 | 0 | 281 | 379 | 360 | 812 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 8 | |
| Cash & Bank | 182 | 30 | 192 | 222 | 680 | 668 | 298 | 822 | 892 | 793 |
| 802 | 1,329 | 2,184 | 3,115 | 3,468 | 4,473 | 6,226 | 8,419 | 11,022 | 13,665 | |
| Total Assets | 991 | 1,371 | 2,496 | 3,503 | 4,539 | 5,161 | 6,831 | 9,649 | 12,326 | 15,333 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -268 | -494 | -774 | -799 | -397 | -1,017 | -1,840 | -2,423 | -2,816 | -2,822 | |
| Cash from Investing | -14 | 56 | -105 | -108 | -615 | 804 | -267 | -217 | -0 | -408 |
| Cash from Financing | 380 | 357 | 1,059 | 893 | 900 | 411 | 1,353 | 2,470 | 2,215 | 2,197 |
| 93 | -93 | 163 | -38 | 62 | 408 | -382 | 345 | 19 | -150 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - Home First Finance Company India Limited has informed the Exchange about Outcome of the Investor Meet
2026-09-07 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet
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 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet
2026-08-31 - Home First Finance Company India Limited has informed the Exchange about Resignation of Director/KMP/SMP
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 - 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 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet
2026-08-24 - Home First Finance Company India Limited has informed the Exchange about Schedule of meet
News
Recent coverage and analyst commentary for HOMEFIRST
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Home First Finance Company India Ltd.
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