Share Price and Basic Stock Data
Last Updated: April 4, 2025, 9:53 am
| PEG Ratio | 0.88 |
|---|
Competitors of Home First Finance Company India Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 40.8 Cr. | 40.8 | 87.9/35.3 | 121 | 0.00 % | 7.86 % | % | 10.0 | |
| Home First Finance Company India Ltd | 9,146 Cr. | 1,016 | 1,383/777 | 25.4 | 255 | 0.33 % | 11.2 % | 15.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,840 Cr. | 297 | 402/268 | 21.0 | 80.3 | 1.50 % | 14.7 % | 17.2 % | 2.00 |
| Repco Home Finance Ltd | 2,136 Cr. | 342 | 595/308 | 4.94 | 494 | 0.87 % | 10.5 % | 14.6 % | 10.0 |
| PNB Housing Finance Ltd | 24,542 Cr. | 944 | 1,202/616 | 13.4 | 575 | 0.00 % | 9.27 % | 11.8 % | 10.0 |
| Industry Average | 10,034.00 Cr | 387.11 | 11.19 | 287.76 | 0.87% | 11.06% | 13.49% | 5.64 |
All Competitor Stocks of Home First Finance Company India Ltd
Quarterly Result
| Metric | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 152 | 156 | 169 | 189 | 205 | 227 | 255 | 273 | 296 | 313 | 336 | 373 | 406 |
| Interest | 55 | 54 | 61 | 71 | 80 | 93 | 107 | 117 | 130 | 146 | 157 | 176 | 193 |
| Expenses | 36 | 37 | 40 | 47 | 48 | 52 | 60 | 62 | 65 | 58 | 68 | 75 | 81 |
| Financing Profit | 61 | 65 | 68 | 71 | 78 | 82 | 88 | 95 | 101 | 109 | 112 | 123 | 132 |
| Financing Margin % | 40% | 42% | 40% | 38% | 38% | 36% | 34% | 35% | 34% | 35% | 33% | 33% | 33% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 4 | 5 | 5 | 5 | 5 | 5 | 1 | 2 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 |
| Profit before tax | 59 | 63 | 66 | 69 | 76 | 84 | 90 | 96 | 103 | 111 | 114 | 120 | 130 |
| Tax % | 22% | 5% | 23% | 22% | 22% | 24% | 23% | 23% | 23% | 25% | 23% | 23% | 25% |
| Net Profit | 46 | 60 | 51 | 54 | 59 | 64 | 69 | 74 | 79 | 83 | 88 | 92 | 97 |
| EPS in Rs | 5.25 | 6.87 | 5.84 | 6.19 | 6.69 | 7.27 | 7.84 | 8.43 | 8.92 | 9.43 | 9.87 | 10.34 | 10.86 |
| Gross NPA % | 2.56% | 2.30% | 2.14% | 1.90% | 1.61% | 1.64% | 1.70% | 1.70% | 1.70% | 2.90% | 1.70% | 1.70% | |
| Net NPA % | 2.00% | 1.80% | 1.68% | 1.07% | 1.14% | 1.20% | 1.20% | 1.20% | 1.30% | 1.30% | 1.30% |
Last Updated: March 5, 2025, 6:08 pm
Below is a detailed analysis of the quarterly data for Home First Finance Company India Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:
- For Interest, as of Dec 2024, the value is ₹193.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 176.00 Cr. (Sep 2024) to ₹193.00 Cr., marking an increase of 17.00 Cr..
- For Expenses, as of Dec 2024, the value is ₹81.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 75.00 Cr. (Sep 2024) to ₹81.00 Cr., marking an increase of 6.00 Cr..
- For Other Income, as of Dec 2024, the value is ₹2.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Sep 2024) to ₹2.00 Cr., marking an increase of 1.00 Cr..
- For Depreciation, as of Dec 2024, the value is ₹4.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 4.00 Cr..
- For Profit before tax, as of Dec 2024, the value is ₹130.00 Cr.. The value appears strong and on an upward trend. It has increased from 120.00 Cr. (Sep 2024) to ₹130.00 Cr., marking an increase of 10.00 Cr..
- For Tax %, as of Dec 2024, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 23.00% (Sep 2024) to 25.00%, marking an increase of 2.00%.
- For Net Profit, as of Dec 2024, the value is ₹97.00 Cr.. The value appears strong and on an upward trend. It has increased from 92.00 Cr. (Sep 2024) to ₹97.00 Cr., marking an increase of 5.00 Cr..
- For EPS in Rs, as of Dec 2024, the value is 10.86. The value appears strong and on an upward trend. It has increased from 10.34 (Sep 2024) to 10.86, marking an increase of 0.52.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: February 20, 2025, 2:23 pm
| Metric | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6 | 20 | 39 | 60 | 94 | 145 | 264 | 411 | 489 | 596 | 796 | 1,157 | 1,428 |
| Interest | 3 | 10 | 22 | 37 | 54 | 67 | 127 | 194 | 220 | 219 | 308 | 503 | 671 |
| Expenses | 5 | 8 | 12 | 16 | 26 | 41 | 75 | 111 | 127 | 143 | 183 | 242 | 281 |
| Financing Profit | -2 | 2 | 5 | 7 | 14 | 38 | 63 | 106 | 142 | 234 | 304 | 412 | 476 |
| Financing Margin % | -30% | 12% | 13% | 12% | 15% | 26% | 24% | 26% | 29% | 39% | 38% | 36% | 33% |
| Other Income | 1 | 0 | 0 | 2 | 0 | 2 | 7 | 9 | 0 | 0 | 0 | 0 | 13 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 5 | 7 | 8 | 8 | 9 | 12 | 14 |
| Profit before tax | -1 | 2 | 5 | 9 | 14 | 38 | 65 | 107 | 134 | 226 | 295 | 400 | 474 |
| Tax % | 0% | -10% | 29% | 33% | 36% | 34% | 30% | 26% | 25% | 18% | 23% | 24% | |
| Net Profit | -1 | 3 | 3 | 6 | 9 | 25 | 46 | 80 | 100 | 186 | 228 | 306 | 361 |
| EPS in Rs | -3.75 | 8.87 | 11.73 | 16.01 | 8.50 | 24.41 | 36.09 | 10.16 | 11.46 | 21.24 | 25.94 | 34.54 | 40.50 |
| Dividend Payout % | 0% | 0% | 2% | 1% | 0% | 0% | 0% | 0% | 0% | 0% | 10% | 10% |
YoY Net Profit Growth
| Year | 2013-2014 | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 400.00% | 0.00% | 100.00% | 50.00% | 177.78% | 84.00% | 73.91% | 25.00% | 86.00% | 22.58% | 34.21% |
| Change in YoY Net Profit Growth (%) | 0.00% | -400.00% | 100.00% | -50.00% | 127.78% | -93.78% | -10.09% | -48.91% | 61.00% | -63.42% | 11.63% |
Home First Finance Company India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 50% |
| 5 Years: | 34% |
| 3 Years: | 33% |
| TTM: | 36% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 61% |
| 5 Years: | 46% |
| 3 Years: | 45% |
| TTM: | 26% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 9% |
| 1 Year: | 6% |
| Return on Equity | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 13% |
| 3 Years: | 14% |
| Last Year: | 16% |
Last Updated: Unknown
Balance Sheet
Last Updated: March 14, 2025, 1:33 pm
| Month | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 3 | 4 | 10 | 10 | 13 | 16 | 17 | 18 | 18 | 18 | 18 |
| Reserves | 46 | 93 | 96 | 146 | 298 | 323 | 510 | 918 | 1,363 | 1,556 | 1,800 | 2,104 | 2,272 |
| Deposits | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 53 | 117 | 255 | 369 | 665 | 1,022 | 1,926 | 2,494 | 3,054 | 3,467 | 4,813 | 7,302 | 8,867 |
| Other Liabilities | 1 | 3 | 6 | 78 | 18 | 17 | 33 | 53 | 76 | 76 | 108 | 110 | 152 |
| Total Liabilities | 102 | 216 | 359 | 597 | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 11,309 |
| Fixed Assets | 0 | 0 | 1 | 1 | 3 | 5 | 17 | 21 | 17 | 20 | 26 | 30 | 32 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 103 | 146 | 375 | 0 | 281 | 379 | 409 |
| Other Assets | 102 | 215 | 359 | 595 | 988 | 1,366 | 2,361 | 3,314 | 4,118 | 5,097 | 6,432 | 9,125 | 10,868 |
| Total Assets | 102 | 216 | 359 | 597 | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 11,309 |
Below is a detailed analysis of the balance sheet data for Home First Finance Company India Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2024, the value is ₹18.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 18.00 Cr..
- For Reserves, as of Sep 2024, the value is ₹2,272.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,104.00 Cr. (Mar 2024) to ₹2,272.00 Cr., marking an increase of 168.00 Cr..
- For Borrowings, as of Sep 2024, the value is ₹8,867.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 7,302.00 Cr. (Mar 2024) to ₹8,867.00 Cr., marking an increase of 1,565.00 Cr..
- For Other Liabilities, as of Sep 2024, the value is ₹152.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 110.00 Cr. (Mar 2024) to ₹152.00 Cr., marking an increase of 42.00 Cr..
- For Total Liabilities, as of Sep 2024, the value is ₹11,309.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,534.00 Cr. (Mar 2024) to ₹11,309.00 Cr., marking an increase of 1,775.00 Cr..
- For Fixed Assets, as of Sep 2024, the value is ₹32.00 Cr.. The value appears strong and on an upward trend. It has increased from 30.00 Cr. (Mar 2024) to ₹32.00 Cr., marking an increase of 2.00 Cr..
- For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Sep 2024, the value is ₹409.00 Cr.. The value appears strong and on an upward trend. It has increased from 379.00 Cr. (Mar 2024) to ₹409.00 Cr., marking an increase of 30.00 Cr..
- For Other Assets, as of Sep 2024, the value is ₹10,868.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,125.00 Cr. (Mar 2024) to ₹10,868.00 Cr., marking an increase of 1,743.00 Cr..
- For Total Assets, as of Sep 2024, the value is ₹11,309.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,534.00 Cr. (Mar 2024) to ₹11,309.00 Cr., marking an increase of 1,775.00 Cr..
However, the Borrowings (8,867.00 Cr.) are higher than the Reserves (₹2,272.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 5.00 | 8.00 | 12.00 | 16.00 | 26.00 | 41.00 | 75.00 | 111.00 | 127.00 | 143.00 | 183.00 | 242.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | -3% | 4% | 3% | 5% | 4% | 8% | 11% | 11% | 9% | 13% | 13% | 16% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Canara Robeco Small Cap Fund | 862,324 | 0.81 | 102.31 | 632,102 | 2025-04-03 | 36.42% |
| Invesco India Smallcap Fund | 632,102 | 1.43 | 72.88 | 632,102 | 2025-04-03 | 0% |
| Invesco India Multicap Fund | 606,199 | 1.81 | 69.89 | 632,102 | 2025-04-03 | -4.1% |
| Invesco India ELSS Tax Saver Fund | 495,329 | 1.91 | 57.11 | 632,102 | 2025-04-03 | -21.64% |
| Tata Banking and Financial Services Fund | 450,000 | 2.25 | 51.89 | 632,102 | 2025-04-03 | -28.81% |
| Aditya Birla Sun Life Small Cap Fund | 426,157 | 0.93 | 50.56 | 632,102 | 2025-04-03 | -32.58% |
| Aditya Birla Sun Life Multi-Cap Fund | 394,233 | 0.71 | 46.77 | 632,102 | 2025-04-03 | -37.63% |
| Tata Flexi Cap Fund | 400,000 | 1.5 | 46.12 | 632,102 | 2025-04-03 | -36.72% |
| Edelweiss Mid Cap Fund | 322,545 | 0.49 | 38.27 | 632,102 | 2025-04-03 | -48.97% |
| Sundaram Aggressive Hybrid Fund | 300,000 | 0.65 | 35.59 | 632,102 | 2025-04-03 | -52.54% |
Key Financial Ratios
| Month | Mar 24 | Mar 23 | Mar 22 | Mar 21 | Mar 20 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 34.65 | 26.01 | 21.26 | 12.37 | 10.81 |
| Diluted EPS (Rs.) | 33.67 | 25.20 | 20.85 | 12.18 | 10.57 |
| Cash EPS (Rs.) | 35.86 | 26.97 | 22.09 | 12.33 | 11.08 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 239.68 | 206.48 | 179.57 | 157.96 | 119.21 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 239.68 | 206.48 | 179.57 | 157.96 | 119.21 |
| Dividend / Share (Rs.) | 3.40 | 2.60 | 0.00 | 0.00 | 0.00 |
| Revenue From Operations / Share (Rs.) | 128.50 | 89.87 | 67.97 | 54.59 | 50.91 |
| PBDIT / Share (Rs.) | 102.98 | 69.14 | 51.29 | 41.40 | 39.39 |
| PBIT / Share (Rs.) | 101.66 | 68.11 | 50.43 | 40.53 | 38.46 |
| PBT / Share (Rs.) | 45.19 | 33.54 | 25.82 | 15.34 | 13.71 |
| Net Profit / Share (Rs.) | 34.54 | 25.94 | 21.24 | 11.46 | 10.16 |
| PBDIT Margin (%) | 80.14 | 76.93 | 75.45 | 75.83 | 77.35 |
| PBIT Margin (%) | 79.10 | 75.79 | 74.19 | 74.23 | 75.54 |
| PBT Margin (%) | 35.16 | 37.32 | 37.98 | 28.09 | 26.92 |
| Net Profit Margin (%) | 26.87 | 28.86 | 31.24 | 20.98 | 19.95 |
| Return on Networth / Equity (%) | 14.41 | 12.56 | 11.82 | 7.25 | 8.52 |
| Return on Capital Employeed (%) | 42.02 | 27.49 | 27.84 | 25.25 | 31.68 |
| Return On Assets (%) | 3.20 | 3.38 | 3.63 | 2.22 | 2.28 |
| Long Term Debt / Equity (X) | 0.00 | 0.19 | 0.00 | 0.00 | 0.00 |
| Total Debt / Equity (X) | 3.44 | 2.65 | 2.20 | 2.21 | 2.67 |
| Asset Turnover Ratio (%) | 0.13 | 0.13 | 0.12 | 0.11 | 0.13 |
| Current Ratio (X) | 1.28 | 1.47 | 1.44 | 1.44 | 1.36 |
| Quick Ratio (X) | 1.28 | 1.47 | 1.44 | 1.44 | 1.36 |
| Dividend Payout Ratio (NP) (%) | 7.49 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 7.21 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 92.51 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 92.79 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 1.82 | 2.00 | 2.08 | 1.64 | 1.59 |
| Interest Coverage Ratio (Post Tax) (X) | 1.61 | 1.75 | 1.86 | 1.45 | 1.41 |
| Enterprise Value (Cr.) | 14428.35 | 11068.66 | 9539.36 | 6294.59 | 0.00 |
| EV / Net Operating Revenue (X) | 12.68 | 13.99 | 16.01 | 13.19 | 0.00 |
| EV / EBITDA (X) | 15.83 | 18.19 | 21.22 | 17.40 | 0.00 |
| MarketCap / Net Operating Revenue (X) | 6.99 | 8.29 | 11.32 | 8.22 | 0.00 |
| Retention Ratios (%) | 92.50 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price / BV (X) | 3.75 | 3.61 | 4.28 | 2.84 | 0.00 |
| Price / Net Operating Revenue (X) | 6.99 | 8.29 | 11.32 | 8.22 | 0.00 |
| EarningsYield | 0.03 | 0.03 | 0.02 | 0.02 | 0.00 |
After reviewing the key financial ratios for Home First Finance Company India Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 24, the value is 34.65. This value is within the healthy range. It has increased from 26.01 (Mar 23) to 34.65, marking an increase of 8.64.
- For Diluted EPS (Rs.), as of Mar 24, the value is 33.67. This value is within the healthy range. It has increased from 25.20 (Mar 23) to 33.67, marking an increase of 8.47.
- For Cash EPS (Rs.), as of Mar 24, the value is 35.86. This value is within the healthy range. It has increased from 26.97 (Mar 23) to 35.86, marking an increase of 8.89.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 239.68. It has increased from 206.48 (Mar 23) to 239.68, marking an increase of 33.20.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 239.68. It has increased from 206.48 (Mar 23) to 239.68, marking an increase of 33.20.
- For Dividend / Share (Rs.), as of Mar 24, the value is 3.40. This value exceeds the healthy maximum of 3. It has increased from 2.60 (Mar 23) to 3.40, marking an increase of 0.80.
- For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 128.50. It has increased from 89.87 (Mar 23) to 128.50, marking an increase of 38.63.
- For PBDIT / Share (Rs.), as of Mar 24, the value is 102.98. This value is within the healthy range. It has increased from 69.14 (Mar 23) to 102.98, marking an increase of 33.84.
- For PBIT / Share (Rs.), as of Mar 24, the value is 101.66. This value is within the healthy range. It has increased from 68.11 (Mar 23) to 101.66, marking an increase of 33.55.
- For PBT / Share (Rs.), as of Mar 24, the value is 45.19. This value is within the healthy range. It has increased from 33.54 (Mar 23) to 45.19, marking an increase of 11.65.
- For Net Profit / Share (Rs.), as of Mar 24, the value is 34.54. This value is within the healthy range. It has increased from 25.94 (Mar 23) to 34.54, marking an increase of 8.60.
- For PBDIT Margin (%), as of Mar 24, the value is 80.14. This value is within the healthy range. It has increased from 76.93 (Mar 23) to 80.14, marking an increase of 3.21.
- For PBIT Margin (%), as of Mar 24, the value is 79.10. This value exceeds the healthy maximum of 20. It has increased from 75.79 (Mar 23) to 79.10, marking an increase of 3.31.
- For PBT Margin (%), as of Mar 24, the value is 35.16. This value is within the healthy range. It has decreased from 37.32 (Mar 23) to 35.16, marking a decrease of 2.16.
- For Net Profit Margin (%), as of Mar 24, the value is 26.87. This value exceeds the healthy maximum of 10. It has decreased from 28.86 (Mar 23) to 26.87, marking a decrease of 1.99.
- For Return on Networth / Equity (%), as of Mar 24, the value is 14.41. This value is below the healthy minimum of 15. It has increased from 12.56 (Mar 23) to 14.41, marking an increase of 1.85.
- For Return on Capital Employeed (%), as of Mar 24, the value is 42.02. This value is within the healthy range. It has increased from 27.49 (Mar 23) to 42.02, marking an increase of 14.53.
- For Return On Assets (%), as of Mar 24, the value is 3.20. This value is below the healthy minimum of 5. It has decreased from 3.38 (Mar 23) to 3.20, marking a decrease of 0.18.
- For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.19 (Mar 23) to 0.00, marking a decrease of 0.19.
- For Total Debt / Equity (X), as of Mar 24, the value is 3.44. This value exceeds the healthy maximum of 1. It has increased from 2.65 (Mar 23) to 3.44, marking an increase of 0.79.
- For Asset Turnover Ratio (%), as of Mar 24, the value is 0.13. There is no change compared to the previous period (Mar 23) which recorded 0.13.
- For Current Ratio (X), as of Mar 24, the value is 1.28. This value is below the healthy minimum of 1.5. It has decreased from 1.47 (Mar 23) to 1.28, marking a decrease of 0.19.
- For Quick Ratio (X), as of Mar 24, the value is 1.28. This value is within the healthy range. It has decreased from 1.47 (Mar 23) to 1.28, marking a decrease of 0.19.
- For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 7.49. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 23) to 7.49, marking an increase of 7.49.
- For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 7.21. This value is below the healthy minimum of 20. It has increased from 0.00 (Mar 23) to 7.21, marking an increase of 7.21.
- For Earning Retention Ratio (%), as of Mar 24, the value is 92.51. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 23) to 92.51, marking an increase of 92.51.
- For Cash Earning Retention Ratio (%), as of Mar 24, the value is 92.79. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 23) to 92.79, marking an increase of 92.79.
- For Interest Coverage Ratio (X), as of Mar 24, the value is 1.82. This value is below the healthy minimum of 3. It has decreased from 2.00 (Mar 23) to 1.82, marking a decrease of 0.18.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.61. This value is below the healthy minimum of 3. It has decreased from 1.75 (Mar 23) to 1.61, marking a decrease of 0.14.
- For Enterprise Value (Cr.), as of Mar 24, the value is 14,428.35. It has increased from 11,068.66 (Mar 23) to 14,428.35, marking an increase of 3,359.69.
- For EV / Net Operating Revenue (X), as of Mar 24, the value is 12.68. This value exceeds the healthy maximum of 3. It has decreased from 13.99 (Mar 23) to 12.68, marking a decrease of 1.31.
- For EV / EBITDA (X), as of Mar 24, the value is 15.83. This value exceeds the healthy maximum of 15. It has decreased from 18.19 (Mar 23) to 15.83, marking a decrease of 2.36.
- For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 6.99. This value exceeds the healthy maximum of 3. It has decreased from 8.29 (Mar 23) to 6.99, marking a decrease of 1.30.
- For Retention Ratios (%), as of Mar 24, the value is 92.50. This value exceeds the healthy maximum of 70. It has increased from 0.00 (Mar 23) to 92.50, marking an increase of 92.50.
- For Price / BV (X), as of Mar 24, the value is 3.75. This value exceeds the healthy maximum of 3. It has increased from 3.61 (Mar 23) to 3.75, marking an increase of 0.14.
- For Price / Net Operating Revenue (X), as of Mar 24, the value is 6.99. This value exceeds the healthy maximum of 3. It has decreased from 8.29 (Mar 23) to 6.99, marking a decrease of 1.30.
- For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Home First Finance Company India Ltd:
- Net Profit Margin: 26.87%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 42.02% (Industry Average ROCE: 11.06%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 14.41% (Industry Average ROE: 11.04%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.61
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.28
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 25.4 (Industry average Stock P/E: 9.15)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.44
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 26.87%
About the Company - Qualitative Analysis
Home First Finance Company India Ltd. is a Public Limited Listed company incorporated on 03/02/2010 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65990MH2010PLC240703 and registration number is 240703. Currently Company is involved in the business activities of Financial Leasing. Company's Total Operating Revenue is Rs. 1137.45 Cr. and Equity Capital is Rs. 17.70 Cr. for the Year ended 31/03/2024.
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | 511, Acme Plaza, Mumbai Maharashtra 400059 | corporate@homefirstindia.com http://www.homefirstindia.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Deepak Satwalekar | Chairman & Ind.Dire (Non-Exe) |
| Mr. Manoj Viswanathan | Managing Director & CEO |
| Ms. Sucharita Mukherjee | Ind. Non-Executive Director |
| Mr. Narendra Ostawal | Ind. Non-Executive Director |
| Ms. Geeta Dutta Goel | Ind. Non-Executive Director |
| Mr. Anuj Srivastava | Non Exe. & Nominee Director |
| Ms. Divya Sehgal | Non Exe. & Nominee Director |
| Mr. Maninder Singh Juneja | Non Exe. & Nominee Director |
FAQ
What is the intrinsic value of Home First Finance Company India Ltd?
Home First Finance Company India Ltd's intrinsic value (as of 04 April 2025) is ₹805.80 — 20.69% lower the current market price of 1,016.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 9,146 Cr. market cap, FY2025-2026 high/low of ₹1,383/777, reserves of 2,272 Cr, and liabilities of 11,309 Cr.
What is the Market Cap of Home First Finance Company India Ltd?
The Market Cap of Home First Finance Company India Ltd is 9,146 Cr..
What is the current Stock Price of Home First Finance Company India Ltd as on 04 April 2025?
The current stock price of Home First Finance Company India Ltd as on 04 April 2025 is 1,016.
What is the High / Low of Home First Finance Company India Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Home First Finance Company India Ltd stocks is ₹1,383/777.
What is the Stock P/E of Home First Finance Company India Ltd?
The Stock P/E of Home First Finance Company India Ltd is 25.4.
What is the Book Value of Home First Finance Company India Ltd?
The Book Value of Home First Finance Company India Ltd is 255.
What is the Dividend Yield of Home First Finance Company India Ltd?
The Dividend Yield of Home First Finance Company India Ltd is 0.33 %.
What is the ROCE of Home First Finance Company India Ltd?
The ROCE of Home First Finance Company India Ltd is 11.2 %.
What is the ROE of Home First Finance Company India Ltd?
The ROE of Home First Finance Company India Ltd is 15.5 %.
What is the Face Value of Home First Finance Company India Ltd?
The Face Value of Home First Finance Company India Ltd is 2.00.