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Last Updated: April 2, 2026, 4:48 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543259 | NSE: HOMEFIRST

Home First Finance Company India Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹1,023.01Fairly Valued by 7.69%vs CMP ₹950.00

P/E (20.0) × ROE (16.5%) × BV (₹386.00) × DY (0.39%)

₹712.79Overvalued by 24.97%vs CMP ₹950.00
MoS: -33.3% (Negative)Confidence: 54/100 (Moderate)Models: 2 Under, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹1,211.0024%Under (+27.5%)
Graham NumberEarnings₹654.8117%Over (-31.1%)
Earnings PowerEarnings₹244.0412%Over (-74.3%)
DCFCash Flow₹1,096.1512%Under (+15.4%)
Net Asset ValueAssets₹384.668%Over (-59.5%)
EV/EBITDAEnterprise₹15.3310%Over (-98.4%)
Earnings YieldEarnings₹493.708%Over (-48%)
ROCE CapitalReturns₹809.3810%Over (-14.8%)
Consensus (8 models)₹712.79100%Overvalued
Key Drivers: Wide model spread (₹15–₹1,211) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 18.4%

*Investments are subject to market risks

Investment Snapshot

59
Home First Finance Company India Ltd scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health59/100 · Moderate
ROCE 11.4% AverageROE 16.5% GoodD/E 2.21 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money85/100 · Strong
FII holding up 4.82% (6mo) AccumulatingDII holding up 7.79% MF buyingPromoter holding at 12.4% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum70/100 · Strong
Profit (4Q): +38% YoY Strong
Industry Rank40/100 · Moderate
P/E 20.0 vs industry 9.1 Premium to peersROCE 11.4% vs industry 48.2% Below peersROE 16.5% vs industry 13.3% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:48 am

Market Cap 9,916 Cr.
Current Price 950
Intrinsic Value₹712.79
High / Low 1,519/839
Stock P/E20.0
Book Value 386
Dividend Yield0.39 %
ROCE11.4 %
ROE16.5 %
Face Value 2.00
PEG Ratio1.09

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Home First Finance Company India Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Home First Finance Company India Ltd 9,916 Cr. 950 1,519/83920.0 3860.39 %11.4 %16.5 % 2.00
Aptus Value Housing Finance India Ltd 10,200 Cr. 204 365/19311.5 93.02.21 %15.0 %18.6 % 2.00
Can Fin Homes Ltd 10,843 Cr. 814 972/61511.1 4101.47 %9.34 %18.2 % 2.00
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of Home First Finance Company India Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue205227255273296313336373406415454477482
Interest 8093107117130146157176193190200203194
Expenses 485260626558687581849499102
Financing Profit78828895101109112123132141159176186
Financing Margin %38%36%34%35%34%35%33%33%33%34%35%37%39%
Other Income 0455555122221
Depreciation 2233333444455
Profit before tax 76849096103111114120130138156173183
Tax % 22%24%23%23%23%25%23%23%25%24%24%24%23%
Net Profit 596469747983889297105119132140
EPS in Rs 6.697.277.848.438.929.439.8710.3410.8611.6311.5212.7313.49
Gross NPA %1.61%1.64%1.70%1.70%1.70%2.90%1.70%1.70%1.70%1.80%1.90%2.00%
Net NPA %1.07%1.14%1.20%1.20%1.20%1.30%1.30%1.30%1.30%1.40%1.50%1.60%

Last Updated: March 3, 2026, 9:10 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 7:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue203960941452644114895967961,1571,5391,828
Interest 1022375467127194220219308503719787
Expenses 81216264175111127143183242303378
Financing Profit257143863106142234304412517662
Financing Margin %12%13%12%15%26%24%26%29%39%38%36%34%36%
Other Income 0020279000006
Depreciation 0001157889121618
Profit before tax 259143865107134226295400502650
Tax % -10%29%33%36%34%30%26%25%18%23%24%24%
Net Profit 3369254680100186228306382496
EPS in Rs 8.8711.7316.018.5024.4136.0910.1611.4621.2425.9434.5442.4349.37
Dividend Payout % 0%2%1%0%0%0%0%0%0%10%10%9%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)0.00%100.00%50.00%177.78%84.00%73.91%25.00%86.00%22.58%34.21%24.84%
Change in YoY Net Profit Growth (%)0.00%100.00%-50.00%127.78%-93.78%-10.09%-48.91%61.00%-63.42%11.63%-9.37%

Home First Finance Company India Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

No data available for the compounded sales growth chart.

Balance Sheet

Last Updated: December 4, 2025, 3:03 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 33410101316171818181821
Reserves 93961462983235109181,3631,5561,8002,1042,5033,994
Borrowing1172553696651,0221,9262,4943,0543,4674,8137,3029,5519,653
Other Liabilities 3678181733537676108110140144
Total Liabilities 2163595979901,3722,4823,4804,5105,1176,7399,53412,21213,811
Fixed Assets 011351721172026304648
CWIP 0000100000000
Investments 000001031463750281379360401
Other Assets 2153595959881,3662,3613,3144,1185,0976,4329,12511,80513,362
Total Assets 2163595979901,3722,4823,4804,5105,1176,7399,53412,21213,811

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -823-223-807-1,469-1,908-2,198
Cash from Investing Activity + -108-615804-267-217-0
Cash from Financing Activity + 8939004111,3532,4702,217
Net Cash Flow -3862408-38234519
Free Cash Flow -827-225-810-1,476-1,916-2,210
CFO/OP -267%-53%-169%-228%-199%-169%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-109.00-243.00-353.00-639.0040.0074.00109.00124.00140.00179.00235.00294.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 4%3%5%4%8%11%11%9%13%13%16%16%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 33.46%30.21%30.19%23.60%23.56%23.45%23.38%14.31%14.25%12.43%12.39%12.35%
FIIs 15.69%17.56%17.02%24.83%25.09%24.73%25.57%37.91%36.00%37.19%39.99%40.82%
DIIs 8.41%10.00%9.96%11.72%11.84%11.96%12.41%18.28%19.82%21.89%28.84%27.61%
Public 42.44%42.24%42.83%39.84%39.50%39.85%38.62%29.50%29.93%28.51%18.78%19.23%
No. of Shareholders 73,73178,16478,91878,15276,52675,62578,60486,97288,27686,47185,01083,670

Shareholding Pattern Chart

No. of Shareholders

Home First Finance Company India Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Small Cap Fund 4,880,891 1.41 528.654,751,6572025-12-15 04:50:352.72%
Kotak Midcap Fund 3,791,687 0.67 410.683,654,4852026-03-16 00:45:553.75%
Kotak Small Cap Fund 1,245,847 0.8 134.94N/AN/AN/A
Canara Robeco Small Cap Fund 1,154,018 0.98 124.99924,1802025-11-02 03:42:4524.87%
HDFC Banking & Financial Services Fund 700,000 1.68 75.82759,4782026-02-23 00:16:57-7.83%
Invesco India Smallcap Fund 672,339 0.75 72.82665,1082025-06-23 00:47:091.09%
HDFC Balanced Advantage Fund 618,556 0.06 67N/AN/AN/A
HSBC Midcap Fund 602,574 0.52 65.26N/AN/AN/A
Sundaram Aggressive Hybrid Fund 529,997 0.71 57.4N/AN/AN/A
Aditya Birla Sun Life ELSS Tax Saver Fund 463,917 0.34 50.25N/AN/AN/A

ROCE / ROE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 42.8334.6526.0121.2612.37
Diluted EPS (Rs.) 42.0733.6725.2020.8512.18
Cash EPS (Rs.) 44.1535.8626.9722.0912.33
Book Value[Excl.RevalReserv]/Share (Rs.) 279.97239.68206.48179.57157.96
Book Value[Incl.RevalReserv]/Share (Rs.) 279.97239.68206.48179.57157.96
Dividend / Share (Rs.) 3.703.402.600.000.00
Revenue From Operations / Share (Rs.) 169.89128.5089.8767.9754.59
PBDIT / Share (Rs.) 136.85102.9869.1451.2941.40
PBIT / Share (Rs.) 135.12101.6668.1150.4340.53
PBT / Share (Rs.) 55.7045.1933.5425.8215.34
Net Profit / Share (Rs.) 42.4334.5425.9421.2411.46
PBDIT Margin (%) 80.5580.1476.9375.4575.83
PBIT Margin (%) 79.5379.1075.7974.1974.23
PBT Margin (%) 32.7835.1637.3237.9828.09
Net Profit Margin (%) 24.9726.8728.8631.2420.98
Return on Networth / Equity (%) 15.1514.4112.5611.827.25
Return on Capital Employeed (%) 47.5742.0227.4927.8425.25
Return On Assets (%) 3.123.203.383.632.22
Long Term Debt / Equity (X) 0.000.000.190.000.00
Total Debt / Equity (X) 3.793.442.652.202.21
Asset Turnover Ratio (%) 0.140.130.130.120.11
Current Ratio (X) 1.261.281.471.441.44
Quick Ratio (X) 1.261.281.471.441.44
Dividend Payout Ratio (NP) (%) 7.887.490.000.000.00
Dividend Payout Ratio (CP) (%) 7.577.210.000.000.00
Earning Retention Ratio (%) 92.1292.510.000.000.00
Cash Earning Retention Ratio (%) 92.4392.790.000.000.00
Interest Coverage Ratio (X) 1.721.822.002.081.64
Interest Coverage Ratio (Post Tax) (X) 1.531.611.751.861.45
Enterprise Value (Cr.) 17753.0414428.3511068.669539.366294.59
EV / Net Operating Revenue (X) 11.6012.6813.9916.0113.19
EV / EBITDA (X) 14.4115.8318.1921.2217.40
MarketCap / Net Operating Revenue (X) 5.976.998.2911.328.22
Retention Ratios (%) 92.1192.500.000.000.00
Price / BV (X) 3.633.753.614.282.84
Price / Net Operating Revenue (X) 5.976.998.2911.328.22
EarningsYield 0.040.030.030.020.02

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 1529.95 Cr. and Equity Capital is Rs. 18.01 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Housing511, Acme Plaza, Andheri Kurla Road, Mumbai Maharashtra 400059Contact not found
Management
NamePosition Held
Mr. Deepak SatwalekarChairperson
Mr. Manoj ViswanathanManaging Director & CEO
Ms. Sucharita MukherjeeDirector
Mr. Narendra OstawalDirector
Ms. Geeta Dutta GoelDirector
Mr. Anuj SrivastavaDirector
Ms. Divya SehgalDirector

FAQ

What is the intrinsic value of Home First Finance Company India Ltd and is it undervalued?

As of 12 April 2026, Home First Finance Company India Ltd's intrinsic value is ₹712.79, which is 24.97% lower than the current market price of ₹950.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (16.5 %), book value (₹386), dividend yield (0.39 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Home First Finance Company India Ltd?

Home First Finance Company India Ltd is trading at ₹950.00 as of 12 April 2026, with a FY2026-2027 high of ₹1,519 and low of ₹839. The stock is currently near its 52-week low. Market cap stands at ₹9,916 Cr..

How does Home First Finance Company India Ltd's P/E ratio compare to its industry?

Home First Finance Company India Ltd has a P/E ratio of 20.0, which is above the industry average of 9.06. This significantly elevated P/E suggests the market expects strong future growth, or the stock may be overpriced relative to current earnings.

Is Home First Finance Company India Ltd financially healthy?

Key indicators for Home First Finance Company India Ltd: ROCE of 11.4 % is moderate; ROE of 16.5 % shows strong shareholder returns. Dividend yield is 0.39 %.

Is Home First Finance Company India Ltd profitable and how is the profit trend?

Home First Finance Company India Ltd reported a net profit of ₹382 Cr in Mar 2025 on revenue of ₹1,539 Cr. Compared to ₹186 Cr in Mar 2022, the net profit shows an improving trend.

Does Home First Finance Company India Ltd pay dividends?

Home First Finance Company India Ltd has a dividend yield of 0.39 % at the current price of ₹950.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Home First Finance Company India Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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