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

Share Price and Basic Stock Data

Last Updated: June 7, 2025, 2:31 am

Market Cap	13,418 Cr.
Current Price	1,300
High / Low	1,383/839
Stock P/E	35.1
Book Value	280
Dividend Yield	0.28 %
ROCE	11.4 %
ROE	16.5 %
Face Value	2.00
PEG Ratio	1.17

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Home First Finance Company India Ltd

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	39.6 Cr.	39.6	87.9/33.0		121	0.00 %	3.74 %	%	10.0
Home First Finance Company India Ltd	13,418 Cr.	1,300	1,383/839	35.1	280	0.28 %	11.4 %	16.5 %	2.00
Aptus Value Housing Finance India Ltd	15,824 Cr.	317	402/268	21.1	86.4	1.42 %	15.0 %	18.6 %	2.00
Repco Home Finance Ltd	2,631 Cr.	421	595/308	5.99	530	0.71 %	11.1 %	14.2 %	10.0
PNB Housing Finance Ltd	28,733 Cr.	1,105	1,202/741	14.7	648	0.00 %	9.45 %	12.3 %	10.0
Industry Average	11,461.00 Cr	454.26		13.28	308.75	0.78%	48.21%	13.33%	5.64

All Competitor Stocks of Home First Finance Company India Ltd

Quarterly Result

Metric	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Revenue	156	169	189	205	227	255	273	296	313	336	373	406	415
Interest	54	61	71	80	93	107	117	130	146	157	176	193	190
Expenses	37	40	47	48	52	60	62	65	58	68	75	81	84
Financing Profit	65	68	71	78	82	88	95	101	109	112	123	132	141
Financing Margin %	42%	40%	38%	38%	36%	34%	35%	34%	35%	33%	33%	33%	34%
Other Income	0	0	0	0	4	5	5	5	5	5	1	2	2
Depreciation	2	2	2	2	2	3	3	3	3	3	4	4	4
Profit before tax	63	66	69	76	84	90	96	103	111	114	120	130	138
Tax %	5%	23%	22%	22%	24%	23%	23%	23%	25%	23%	23%	25%	24%
Net Profit	60	51	54	59	64	69	74	79	83	88	92	97	105
EPS in Rs	6.87	5.84	6.19	6.69	7.27	7.84	8.43	8.92	9.43	9.87	10.34	10.86	11.63
Gross NPA %	2.30%	2.14%	1.90%		1.61%	1.64%	1.70%	1.70%	1.70%	2.90%	1.70%	1.70%	1.70%
Net NPA %	1.80%	1.68%			1.07%	1.14%	1.20%	1.20%	1.20%	1.30%	1.30%	1.30%	1.30%

Last Updated: May 31, 2025, 5:41 am

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

For Interest, as of Mar 2025, the value is 190.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 193.00 Cr. (Dec 2024) to 190.00 Cr., marking a decrease of 3.00 Cr..
For Expenses, as of Mar 2025, the value is 84.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 81.00 Cr. (Dec 2024) to 84.00 Cr., marking an increase of 3.00 Cr..
For Other Income, as of Mar 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 2.00 Cr..
For Depreciation, as of Mar 2025, the value is 4.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 4.00 Cr..
For Profit before tax, as of Mar 2025, the value is 138.00 Cr.. The value appears strong and on an upward trend. It has increased from 130.00 Cr. (Dec 2024) to 138.00 Cr., marking an increase of 8.00 Cr..
For Tax %, as of Mar 2025, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 25.00% (Dec 2024) to 24.00%, marking a decrease of 1.00%.
For Net Profit, as of Mar 2025, the value is 105.00 Cr.. The value appears strong and on an upward trend. It has increased from 97.00 Cr. (Dec 2024) to 105.00 Cr., marking an increase of 8.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 11.63. The value appears strong and on an upward trend. It has increased from 10.86 (Dec 2024) to 11.63, marking an increase of 0.77.

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

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 3:11 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	20	39	60	94	145	264	411	489	596	796	1,157	1,530
Interest	10	22	37	54	67	127	194	220	219	308	503	715
Expenses	8	12	16	26	41	75	111	127	143	183	242	307
Financing Profit	2	5	7	14	38	63	106	142	234	304	412	508
Financing Margin %	12%	13%	12%	15%	26%	24%	26%	29%	39%	38%	36%	33%
Other Income	0	0	2	0	2	7	9	0	0	0	0	9
Depreciation	0	0	0	1	1	5	7	8	8	9	12	16
Profit before tax	2	5	9	14	38	65	107	134	226	295	400	502
Tax %	-10%	29%	33%	36%	34%	30%	26%	25%	18%	23%	24%	24%
Net Profit	3	3	6	9	25	46	80	100	186	228	306	382
EPS in Rs	8.87	11.73	16.01	8.50	24.41	36.09	10.16	11.46	21.24	25.94	34.54	42.43
Dividend Payout %	0%	2%	1%	0%	0%	0%	0%	0%	0%	10%	10%	9%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
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.

Growth

Compounded Sales Growth
10 Years:	44%
5 Years:	30%
3 Years:	37%
TTM:	33%

Compounded Profit Growth
10 Years:	61%
5 Years:	37%
3 Years:	27%
TTM:	25%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	19%
1 Year:	52%

Return on Equity
10 Years:	13%
5 Years:	14%
3 Years:	15%
Last Year:	16%

Last Updated: Unknown

Balance Sheet

Last Updated: May 13, 2025, 1:32 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3	3	4	10	10	13	16	17	18	18	18	18
Reserves	93	96	146	298	323	510	918	1,363	1,556	1,800	2,104	2,503
Borrowing	117	255	369	665	1,022	1,926	2,494	3,054	3,467	4,813	7,302	9,551
Other Liabilities	3	6	78	18	17	33	53	76	76	108	110	140
Total Liabilities	216	359	597	990	1,372	2,482	3,480	4,510	5,117	6,739	9,534	12,212
Fixed Assets	0	1	1	3	5	17	21	17	20	26	30	46
CWIP	0	0	0	0	1	0	0	0	0	0	0	0
Investments	0	0	0	0	0	103	146	375	0	281	379	360
Other Assets	215	359	595	988	1,366	2,361	3,314	4,118	5,097	6,432	9,125	11,805
Total Assets	216	359	597	990	1,372	2,482	3,480	4,510	5,117	6,739	9,534	12,212

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

For Equity Capital, as of Mar 2025, 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 Mar 2025, the value is 2,503.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,104.00 Cr. (Mar 2024) to 2,503.00 Cr., marking an increase of 399.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 140.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 110.00 Cr. (Mar 2024) to 140.00 Cr., marking an increase of 30.00 Cr..
For Total Liabilities, as of Mar 2025, the value is 12,212.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9,534.00 Cr. (Mar 2024) to 12,212.00 Cr., marking an increase of 2,678.00 Cr..
For Fixed Assets, as of Mar 2025, the value is 46.00 Cr.. The value appears strong and on an upward trend. It has increased from 30.00 Cr. (Mar 2024) to 46.00 Cr., marking an increase of 16.00 Cr..
For CWIP, as of Mar 2025, 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 Mar 2025, the value is 360.00 Cr.. The value appears to be declining and may need further review. It has decreased from 379.00 Cr. (Mar 2024) to 360.00 Cr., marking a decrease of 19.00 Cr..
For Other Assets, as of Mar 2025, the value is 11,805.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,125.00 Cr. (Mar 2024) to 11,805.00 Cr., marking an increase of 2,680.00 Cr..
For Total Assets, as of Mar 2025, the value is 12,212.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,534.00 Cr. (Mar 2024) to 12,212.00 Cr., marking an increase of 2,678.00 Cr..

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

Reserves and Borrowings Chart

No data available for this post.

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-109.00	-243.00	-353.00	-639.00	40.00	74.00	109.00	124.00	140.00	179.00	235.00	298.00

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

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

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Apr 2025
Promoters	33.56%	33.53%	33.46%	30.21%	30.19%	23.60%	23.56%	23.45%	23.38%	14.31%	14.25%	12.47%
FIIs	10.31%	9.37%	15.69%	17.56%	17.02%	24.83%	25.09%	24.73%	25.57%	37.91%	36.00%	36.54%
DIIs	6.42%	6.51%	8.41%	10.00%	9.96%	11.72%	11.84%	11.96%	12.41%	18.28%	19.82%	21.21%
Public	49.72%	50.58%	42.44%	42.24%	42.83%	39.84%	39.50%	39.85%	38.62%	29.50%	29.93%	29.79%
No. of Shareholders	73,601	74,548	73,731	78,164	78,918	78,152	76,526	75,625	78,604	86,972	88,276	88,604

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HDFC Small Cap Fund - Regular Plan	4,459,419	1.5	452.25	N/A	N/A	N/A
Edelweiss Mid Cap Fund	922,083	1.08	93.51	322,545	2025-05-13 12:14:29	185.88%
Canara Robeco Small Cap Fund	862,324	0.79	87.45	862,324	2025-04-22 17:25:11	0%
Invesco India Smallcap Fund	665,108	1.15	67.45	632,102	2025-05-12 17:31:56	5.22%
Aditya Birla Sun Life Small Cap Fund	566,224	1.3	57.42	426,157	2025-05-13 07:31:27	32.87%
Invesco India ELSS Tax Saver Fund	565,548	2.17	57.36	495,329	2025-05-12 18:37:18	14.18%
Edelweiss Small Cap Fund	523,371	1.31	53.08	N/A	N/A	N/A
HDFC Banking and Financial Services Fund	478,836	1.3	48.56	N/A	N/A	N/A
Invesco India Multicap Fund	436,792	1.21	44.3	606,199	2025-05-13 11:08:00	-27.95%
Aditya Birla Sun Life Multi-Cap Fund	394,233	0.68	39.98	394,233	2025-04-22 17:25:11	0%

ROCE / ROE Trend

EPS Trend

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Home First Finance Company India Ltd as of June 7, 2025 is: 1,300.93

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of June 7, 2025, Home First Finance Company India Ltd is Undervalued by 0.07% compared to the current share price 1,300.00

Intrinsic Value of Home First Finance Company India Ltd as of June 7, 2025 is: 1,690.25

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of June 7, 2025, Home First Finance Company India Ltd is Undervalued by 30.02% compared to the current share price 1,300.00

Last 5 Year EPS CAGR: 29.93%

*Investments are subject to market risks

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:
1. 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.
2. ROCE: 42.02% (Industry Average ROCE: 48.21%)
  - 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.
3. ROE%: 14.41% (Industry Average ROE: 13.33%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 35.1 (Industry average Stock P/E: 13.28)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

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.

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 06 June 2025) is ₹1300.93 — 0.07% higher the current market price of 1,300.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 13,418 Cr. market cap, FY2025-2026 high/low of ₹1,383/839, reserves of 2,503 Cr, and liabilities of 12,212 Cr.

What is the Market Cap of Home First Finance Company India Ltd?

The Market Cap of Home First Finance Company India Ltd is 13,418 Cr..

What is the current Stock Price of Home First Finance Company India Ltd as on 06 June 2025?

The current stock price of Home First Finance Company India Ltd as on 06 June 2025 is 1,300.

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 ₹1,383/839.

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 35.1.

What is the Book Value of Home First Finance Company India Ltd?

The Book Value of Home First Finance Company India Ltd is 280.

What is the Dividend Yield of Home First Finance Company India Ltd?

The Dividend Yield of Home First Finance Company India Ltd is 0.28 %.

What is the ROCE of Home First Finance Company India Ltd?

The ROCE of Home First Finance Company India Ltd is 11.4 %.

What is the ROE of Home First Finance Company India Ltd?

The ROE of Home First Finance Company India Ltd is 16.5 %.

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.