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

Share Price and Basic Stock Data

Last Updated: December 10, 2025, 11:47 pm

Competitors of Home First Finance Company India Ltd

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Quarterly Result

Last Updated: August 19, 2025, 5:00 pm

Below is a detailed analysis of the quarterly data for Home First Finance Company India Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

• For Interest, as of Jun 2025, the value is 200.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 190.00 Cr. (Mar 2025) to 200.00 Cr., marking an increase of 10.00 Cr..
• For Expenses, as of Jun 2025, the value is 94.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 84.00 Cr. (Mar 2025) to 94.00 Cr., marking an increase of 10.00 Cr..
• For Other Income, as of Jun 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2.00 Cr..
• For Depreciation, as of Jun 2025, the value is 4.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 4.00 Cr..
• For Profit before tax, as of Jun 2025, the value is 156.00 Cr.. The value appears strong and on an upward trend. It has increased from 138.00 Cr. (Mar 2025) to 156.00 Cr., marking an increase of 18.00 Cr..
• For Tax %, as of Jun 2025, the value is 24.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 24.00%.
• For Net Profit, as of Jun 2025, the value is 119.00 Cr.. The value appears strong and on an upward trend. It has increased from 105.00 Cr. (Mar 2025) to 119.00 Cr., marking an increase of 14.00 Cr..
• For EPS in Rs, as of Jun 2025, the value is 11.52. The value appears to be declining and may need further review. It has decreased from 11.63 (Mar 2025) to 11.52, marking a decrease of 0.11.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: August 23, 2025, 12:56 pm

Balance Sheet

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

Below is a detailed analysis of the balance sheet data for Home First Finance Company India Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

• For Equity Capital, as of Sep 2025, the value is 21.00 Cr.. The value appears strong and on an upward trend. It has increased from 18.00 Cr. (Mar 2025) to 21.00 Cr., marking an increase of 3.00 Cr..
• For Reserves, as of Sep 2025, the value is 3,994.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,503.00 Cr. (Mar 2025) to 3,994.00 Cr., marking an increase of 1,491.00 Cr..
• For Other Liabilities, as of Sep 2025, the value is 144.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 140.00 Cr. (Mar 2025) to 144.00 Cr., marking an increase of 4.00 Cr..
• For Total Liabilities, as of Sep 2025, the value is 13,811.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12,212.00 Cr. (Mar 2025) to 13,811.00 Cr., marking an increase of 1,599.00 Cr..
• For Fixed Assets, as of Sep 2025, the value is 48.00 Cr.. The value appears strong and on an upward trend. It has increased from 46.00 Cr. (Mar 2025) to 48.00 Cr., marking an increase of 2.00 Cr..
• For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
• For Investments, as of Sep 2025, the value is 401.00 Cr.. The value appears strong and on an upward trend. It has increased from 360.00 Cr. (Mar 2025) to 401.00 Cr., marking an increase of 41.00 Cr..
• For Other Assets, as of Sep 2025, the value is 13,362.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,805.00 Cr. (Mar 2025) to 13,362.00 Cr., marking an increase of 1,557.00 Cr..
• For Total Assets, as of Sep 2025, the value is 13,811.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,212.00 Cr. (Mar 2025) to 13,811.00 Cr., marking an increase of 1,599.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Free Cash Flow

Financial Efficiency Indicators

Share Holding Pattern

Mutual Fund Holdings

Key Financial Ratios

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 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
• For Basic EPS (Rs.), as of Mar 25, the value is 42.83. This value is within the healthy range. It has increased from 34.65 (Mar 24) to 42.83, marking an increase of 8.18.
• For Diluted EPS (Rs.), as of Mar 25, the value is 42.07. This value is within the healthy range. It has increased from 33.67 (Mar 24) to 42.07, marking an increase of 8.40.
• For Cash EPS (Rs.), as of Mar 25, the value is 44.15. This value is within the healthy range. It has increased from 35.86 (Mar 24) to 44.15, marking an increase of 8.29.
• For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 279.97. It has increased from 239.68 (Mar 24) to 279.97, marking an increase of 40.29.
• For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 279.97. It has increased from 239.68 (Mar 24) to 279.97, marking an increase of 40.29.
• For Dividend / Share (Rs.), as of Mar 25, the value is 3.70. This value exceeds the healthy maximum of 3. It has increased from 3.40 (Mar 24) to 3.70, marking an increase of 0.30.
• For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 169.89. It has increased from 128.50 (Mar 24) to 169.89, marking an increase of 41.39.
• For PBDIT / Share (Rs.), as of Mar 25, the value is 136.85. This value is within the healthy range. It has increased from 102.98 (Mar 24) to 136.85, marking an increase of 33.87.
• For PBIT / Share (Rs.), as of Mar 25, the value is 135.12. This value is within the healthy range. It has increased from 101.66 (Mar 24) to 135.12, marking an increase of 33.46.
• For PBT / Share (Rs.), as of Mar 25, the value is 55.70. This value is within the healthy range. It has increased from 45.19 (Mar 24) to 55.70, marking an increase of 10.51.
• For Net Profit / Share (Rs.), as of Mar 25, the value is 42.43. This value is within the healthy range. It has increased from 34.54 (Mar 24) to 42.43, marking an increase of 7.89.
• For PBDIT Margin (%), as of Mar 25, the value is 80.55. This value is within the healthy range. It has increased from 80.14 (Mar 24) to 80.55, marking an increase of 0.41.
• For PBIT Margin (%), as of Mar 25, the value is 79.53. This value exceeds the healthy maximum of 20. It has increased from 79.10 (Mar 24) to 79.53, marking an increase of 0.43.
• For PBT Margin (%), as of Mar 25, the value is 32.78. This value is within the healthy range. It has decreased from 35.16 (Mar 24) to 32.78, marking a decrease of 2.38.
• For Net Profit Margin (%), as of Mar 25, the value is 24.97. This value exceeds the healthy maximum of 10. It has decreased from 26.87 (Mar 24) to 24.97, marking a decrease of 1.90.
• For Return on Networth / Equity (%), as of Mar 25, the value is 15.15. This value is within the healthy range. It has increased from 14.41 (Mar 24) to 15.15, marking an increase of 0.74.
• For Return on Capital Employeed (%), as of Mar 25, the value is 47.57. This value is within the healthy range. It has increased from 42.02 (Mar 24) to 47.57, marking an increase of 5.55.
• For Return On Assets (%), as of Mar 25, the value is 3.12. This value is below the healthy minimum of 5. It has decreased from 3.20 (Mar 24) to 3.12, marking a decrease of 0.08.
• For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
• For Total Debt / Equity (X), as of Mar 25, the value is 3.79. This value exceeds the healthy maximum of 1. It has increased from 3.44 (Mar 24) to 3.79, marking an increase of 0.35.
• For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. It has increased from 0.13 (Mar 24) to 0.14, marking an increase of 0.01.
• For Current Ratio (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 1.5. It has decreased from 1.28 (Mar 24) to 1.26, marking a decrease of 0.02.
• For Quick Ratio (X), as of Mar 25, the value is 1.26. This value is within the healthy range. It has decreased from 1.28 (Mar 24) to 1.26, marking a decrease of 0.02.
• For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 7.88. This value is below the healthy minimum of 20. It has increased from 7.49 (Mar 24) to 7.88, marking an increase of 0.39.
• For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 7.57. This value is below the healthy minimum of 20. It has increased from 7.21 (Mar 24) to 7.57, marking an increase of 0.36.
• For Earning Retention Ratio (%), as of Mar 25, the value is 92.12. This value exceeds the healthy maximum of 70. It has decreased from 92.51 (Mar 24) to 92.12, marking a decrease of 0.39.
• For Cash Earning Retention Ratio (%), as of Mar 25, the value is 92.43. This value exceeds the healthy maximum of 70. It has decreased from 92.79 (Mar 24) to 92.43, marking a decrease of 0.36.
• For Interest Coverage Ratio (X), as of Mar 25, the value is 1.72. This value is below the healthy minimum of 3. It has decreased from 1.82 (Mar 24) to 1.72, marking a decrease of 0.10.
• For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.53. This value is below the healthy minimum of 3. It has decreased from 1.61 (Mar 24) to 1.53, marking a decrease of 0.08.
• For Enterprise Value (Cr.), as of Mar 25, the value is 17,753.04. It has increased from 14,428.35 (Mar 24) to 17,753.04, marking an increase of 3,324.69.
• For EV / Net Operating Revenue (X), as of Mar 25, the value is 11.60. This value exceeds the healthy maximum of 3. It has decreased from 12.68 (Mar 24) to 11.60, marking a decrease of 1.08.
• For EV / EBITDA (X), as of Mar 25, the value is 14.41. This value is within the healthy range. It has decreased from 15.83 (Mar 24) to 14.41, marking a decrease of 1.42.
• For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 5.97. This value exceeds the healthy maximum of 3. It has decreased from 6.99 (Mar 24) to 5.97, marking a decrease of 1.02.
• For Retention Ratios (%), as of Mar 25, the value is 92.11. This value exceeds the healthy maximum of 70. It has decreased from 92.50 (Mar 24) to 92.11, marking a decrease of 0.39.
• For Price / BV (X), as of Mar 25, the value is 3.63. This value exceeds the healthy maximum of 3. It has decreased from 3.75 (Mar 24) to 3.63, marking a decrease of 0.12.
• For Price / Net Operating Revenue (X), as of Mar 25, the value is 5.97. This value exceeds the healthy maximum of 3. It has decreased from 6.99 (Mar 24) to 5.97, marking a decrease of 1.02.
• For EarningsYield, as of Mar 25, the value is 0.04. This value is below the healthy minimum of 5. It has increased from 0.03 (Mar 24) to 0.04, marking an increase of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Fair Value

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Strength and Weakness