Share Price and Basic Stock Data
Last Updated: January 10, 2026, 8:55 am
| PEG Ratio | 1.38 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Home First Finance Company India Ltd operates in the housing finance sector, focusing on providing affordable housing loans. The company reported a market capitalization of ₹11,115 Cr and a share price of ₹1,070. Revenue has shown a consistent upward trajectory, rising from ₹189 Cr in September 2022 to ₹273 Cr by September 2023, reflecting a year-on-year increase of approximately 44.5%. This growth trend is expected to continue with projected revenues of ₹1,539 Cr for March 2025 and ₹1,752 Cr on a trailing twelve-month basis. The company’s financing profit also exhibited a steady rise, reaching ₹95 Cr in September 2023 and projected to hit ₹176 Cr by September 2025, showcasing a robust operational performance in a competitive market. The financing margin fluctuated around 34% to 38%, indicating stable profitability amid changing economic conditions. Overall, Home First Finance’s revenue growth aligns with the increasing demand for housing finance in India, particularly in the affordable segment, where it has established a significant market presence.
Profitability and Efficiency Metrics
Home First Finance’s profitability metrics reflect strong operational efficiency, with a net profit of ₹453 Cr reported for the latest fiscal year. The company has maintained a healthy return on equity (ROE) of 16.5%, which is commendable within the finance sector, where average ROE often hovers around 12% to 15%. The interest coverage ratio stood at 1.72x, indicating that the company generates sufficient earnings to cover its interest obligations. The net profit margin for March 2025 is projected at 24.97%, implying a solid conversion of revenue into profit. The financing margin, which fluctuated between 34% and 38%, indicates effective management of interest rates and costs. However, the company’s gross non-performing asset (NPA) ratio has displayed a slight increase, standing at 1.90% in September 2025, which could raise concerns regarding asset quality if the trend continues. Overall, these metrics underline Home First Finance’s effective cost management and profitability, although vigilance is needed regarding asset quality.
Balance Sheet Strength and Financial Ratios
Home First Finance’s balance sheet reflects significant growth in assets and equity. As of September 2025, total assets stood at ₹13,811 Cr, while reserves reached ₹3,994 Cr, indicating a solid capital base. The company’s total liabilities increased to ₹13,811 Cr, primarily driven by borrowings, which rose to ₹9,653 Cr. The debt-to-equity ratio is notably high at 3.79x, suggesting a highly leveraged position compared to sector norms, which typically range between 2.0x to 2.5x. This leverage can amplify returns but also poses risks during downturns. The company maintained a current ratio of 1.26x, indicating adequate liquidity to cover short-term liabilities. Additionally, the book value per share rose to ₹279.97, reflecting a strengthening of shareholder equity. The efficiency ratios, including return on capital employed (ROCE) of 11.4%, demonstrate effective utilization of capital. Overall, while the balance sheet shows robust growth, the high leverage warrants close monitoring to mitigate potential risks associated with rising interest rates or market fluctuations.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Home First Finance indicates a diverse ownership structure, with 12.39% held by promoters, 39.99% by foreign institutional investors (FIIs), 28.84% by domestic institutional investors (DIIs), and the remaining 18.78% by the public. This distribution reflects a healthy level of institutional interest, particularly from FIIs, which have increased their stake from 9.37% in December 2022 to 39.99% by September 2025. The increase in institutional holdings often signals confidence in the company’s growth trajectory and operational performance. However, promoter holdings have decreased significantly from 33.53% in December 2022 to 12.39% in September 2025, which could raise concerns regarding commitment to the company’s long-term vision. The number of shareholders also reflects a growth trend, standing at 85,010, which suggests increasing retail interest. Overall, the diverse shareholding structure, combined with rising institutional stakes, indicates a strong investor confidence in Home First Finance, despite the decline in promoter holdings.
Outlook, Risks, and Final Insight
Home First Finance is well-positioned to capitalize on the growing demand for affordable housing finance in India, supported by strong revenue growth and profitability metrics. However, the company’s high debt-to-equity ratio presents a risk, particularly in an environment of rising interest rates. Additionally, the slight increase in NPAs could impact future profitability if not managed effectively. The diversification in the shareholding pattern, especially the growing influence of institutional investors, could provide stability and support for strategic initiatives. The company’s ability to maintain operational efficiency while managing leverage will be critical to sustaining growth. Key risks include potential economic downturns affecting repayment capabilities and competitive pressures from other players in the housing finance sector. In conclusion, while Home First Finance has a robust operational framework and positive growth prospects, careful management of its capital structure and asset quality will be essential to navigate potential challenges ahead.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 40.5 Cr. | 40.5 | 53.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 10,664 Cr. | 1,026 | 1,519/839 | 23.6 | 388 | 0.36 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 13,793 Cr. | 275 | 365/268 | 16.4 | 93.0 | 1.63 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,616 Cr. | 418 | 464/308 | 6.00 | 557 | 0.96 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 25,354 Cr. | 973 | 1,142/746 | 11.5 | 690 | 0.51 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,281.10 Cr | 411.75 | 11.14 | 332.03 | 1.02% | 48.21% | 13.33% | 5.64 |
All Competitor Stocks of Home First Finance Company India Ltd
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 189 | 205 | 227 | 255 | 273 | 296 | 313 | 336 | 373 | 406 | 415 | 454 | 477 |
| Interest | 71 | 80 | 93 | 107 | 117 | 130 | 146 | 157 | 176 | 193 | 190 | 200 | 203 |
| Expenses | 47 | 48 | 52 | 60 | 62 | 65 | 58 | 68 | 75 | 81 | 84 | 94 | 99 |
| Financing Profit | 71 | 78 | 82 | 88 | 95 | 101 | 109 | 112 | 123 | 132 | 141 | 159 | 176 |
| Financing Margin % | 38% | 38% | 36% | 34% | 35% | 34% | 35% | 33% | 33% | 33% | 34% | 35% | 37% |
| Other Income | 0 | 0 | 4 | 5 | 5 | 5 | 5 | 5 | 1 | 2 | 2 | 2 | 2 |
| Depreciation | 2 | 2 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 |
| Profit before tax | 69 | 76 | 84 | 90 | 96 | 103 | 111 | 114 | 120 | 130 | 138 | 156 | 173 |
| Tax % | 22% | 22% | 24% | 23% | 23% | 23% | 25% | 23% | 23% | 25% | 24% | 24% | 24% |
| Net Profit | 54 | 59 | 64 | 69 | 74 | 79 | 83 | 88 | 92 | 97 | 105 | 119 | 132 |
| EPS in Rs | 6.19 | 6.69 | 7.27 | 7.84 | 8.43 | 8.92 | 9.43 | 9.87 | 10.34 | 10.86 | 11.63 | 11.52 | 12.73 |
| Gross NPA % | 1.90% | 1.61% | 1.64% | 1.70% | 1.70% | 1.70% | 2.90% | 1.70% | 1.70% | 1.70% | 1.80% | 1.90% | |
| Net NPA % | 1.07% | 1.14% | 1.20% | 1.20% | 1.20% | 1.30% | 1.30% | 1.30% | 1.30% | 1.40% | 1.50% |
Last Updated: January 6, 2026, 11:07 pm
Below is a detailed analysis of the quarterly 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 Interest, as of Sep 2025, the value is 203.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 200.00 Cr. (Jun 2025) to 203.00 Cr., marking an increase of 3.00 Cr..
- For Expenses, as of Sep 2025, the value is 99.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 94.00 Cr. (Jun 2025) to 99.00 Cr., marking an increase of 5.00 Cr..
- For Other Income, as of Sep 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 2.00 Cr..
- For Depreciation, as of Sep 2025, the value is 5.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4.00 Cr. (Jun 2025) to 5.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 173.00 Cr.. The value appears strong and on an upward trend. It has increased from 156.00 Cr. (Jun 2025) to 173.00 Cr., marking an increase of 17.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 24.00%.
- For Net Profit, as of Sep 2025, the value is 132.00 Cr.. The value appears strong and on an upward trend. It has increased from 119.00 Cr. (Jun 2025) to 132.00 Cr., marking an increase of 13.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 12.73. The value appears strong and on an upward trend. It has increased from 11.52 (Jun 2025) to 12.73, marking an increase of 1.21.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:33 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 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 20 | 39 | 60 | 94 | 145 | 264 | 411 | 489 | 596 | 796 | 1,157 | 1,539 | 1,752 |
| Interest | 10 | 22 | 37 | 54 | 67 | 127 | 194 | 220 | 219 | 308 | 503 | 719 | 786 |
| Expenses | 8 | 12 | 16 | 26 | 41 | 75 | 111 | 127 | 143 | 183 | 242 | 303 | 357 |
| Financing Profit | 2 | 5 | 7 | 14 | 38 | 63 | 106 | 142 | 234 | 304 | 412 | 517 | 608 |
| Financing Margin % | 12% | 13% | 12% | 15% | 26% | 24% | 26% | 29% | 39% | 38% | 36% | 34% | 35% |
| Other Income | 0 | 0 | 2 | 0 | 2 | 7 | 9 | 0 | 0 | 0 | 0 | 0 | 6 |
| Depreciation | 0 | 0 | 0 | 1 | 1 | 5 | 7 | 8 | 8 | 9 | 12 | 16 | 17 |
| Profit before tax | 2 | 5 | 9 | 14 | 38 | 65 | 107 | 134 | 226 | 295 | 400 | 502 | 597 |
| 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 | 453 |
| 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 | 46.74 |
| Dividend Payout % | 0% | 2% | 1% | 0% | 0% | 0% | 0% | 0% | 0% | 10% | 10% | 9% |
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.
No data available for the compounded sales growth chart.
Balance Sheet
Last Updated: December 4, 2025, 3:03 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 3 | 4 | 10 | 10 | 13 | 16 | 17 | 18 | 18 | 18 | 18 | 21 |
| Reserves | 93 | 96 | 146 | 298 | 323 | 510 | 918 | 1,363 | 1,556 | 1,800 | 2,104 | 2,503 | 3,994 |
| Borrowing | 117 | 255 | 369 | 665 | 1,022 | 1,926 | 2,494 | 3,054 | 3,467 | 4,813 | 7,302 | 9,551 | 9,653 |
| Other Liabilities | 3 | 6 | 78 | 18 | 17 | 33 | 53 | 76 | 76 | 108 | 110 | 140 | 144 |
| Total Liabilities | 216 | 359 | 597 | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 12,212 | 13,811 |
| Fixed Assets | 0 | 1 | 1 | 3 | 5 | 17 | 21 | 17 | 20 | 26 | 30 | 46 | 48 |
| CWIP | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 103 | 146 | 375 | 0 | 281 | 379 | 360 | 401 |
| Other Assets | 215 | 359 | 595 | 988 | 1,366 | 2,361 | 3,314 | 4,118 | 5,097 | 6,432 | 9,125 | 11,805 | 13,362 |
| Total Assets | 216 | 359 | 597 | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 12,212 | 13,811 |
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.
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
| 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 | 294.00 |
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 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% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Small Cap Fund | 4,880,891 | 1.43 | 542.27 | 4,751,657 | 2025-12-15 04:50:35 | 2.72% |
| Kotak Midcap Fund | 3,654,485 | 0.67 | 406.01 | N/A | N/A | N/A |
| Kotak Small Cap Fund | 1,245,847 | 0.79 | 138.41 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 1,154,018 | 0.98 | 128.21 | 924,180 | 2025-11-02 03:42:45 | 24.87% |
| Edelweiss Mid Cap Fund | 809,812 | 0.68 | 89.97 | 955,902 | 2025-12-15 04:50:35 | -15.28% |
| HDFC Banking & Financial Services Fund | 759,478 | 1.87 | 84.38 | 709,478 | 2025-12-15 04:50:35 | 7.05% |
| Invesco India Smallcap Fund | 672,339 | 0.83 | 74.7 | 665,108 | 2025-06-23 00:47:09 | 1.09% |
| HSBC Large & Mid Cap Fund | 625,312 | 1.49 | 69.47 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 618,556 | 0.06 | 68.72 | N/A | N/A | N/A |
| HSBC Midcap Fund | 602,574 | 0.53 | 66.95 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 42.83 | 34.65 | 26.01 | 21.26 | 12.37 |
| Diluted EPS (Rs.) | 42.07 | 33.67 | 25.20 | 20.85 | 12.18 |
| Cash EPS (Rs.) | 44.15 | 35.86 | 26.97 | 22.09 | 12.33 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 279.97 | 239.68 | 206.48 | 179.57 | 157.96 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 279.97 | 239.68 | 206.48 | 179.57 | 157.96 |
| Dividend / Share (Rs.) | 3.70 | 3.40 | 2.60 | 0.00 | 0.00 |
| Revenue From Operations / Share (Rs.) | 169.89 | 128.50 | 89.87 | 67.97 | 54.59 |
| PBDIT / Share (Rs.) | 136.85 | 102.98 | 69.14 | 51.29 | 41.40 |
| PBIT / Share (Rs.) | 135.12 | 101.66 | 68.11 | 50.43 | 40.53 |
| PBT / Share (Rs.) | 55.70 | 45.19 | 33.54 | 25.82 | 15.34 |
| Net Profit / Share (Rs.) | 42.43 | 34.54 | 25.94 | 21.24 | 11.46 |
| PBDIT Margin (%) | 80.55 | 80.14 | 76.93 | 75.45 | 75.83 |
| PBIT Margin (%) | 79.53 | 79.10 | 75.79 | 74.19 | 74.23 |
| PBT Margin (%) | 32.78 | 35.16 | 37.32 | 37.98 | 28.09 |
| Net Profit Margin (%) | 24.97 | 26.87 | 28.86 | 31.24 | 20.98 |
| Return on Networth / Equity (%) | 15.15 | 14.41 | 12.56 | 11.82 | 7.25 |
| Return on Capital Employeed (%) | 47.57 | 42.02 | 27.49 | 27.84 | 25.25 |
| Return On Assets (%) | 3.12 | 3.20 | 3.38 | 3.63 | 2.22 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.19 | 0.00 | 0.00 |
| Total Debt / Equity (X) | 3.79 | 3.44 | 2.65 | 2.20 | 2.21 |
| Asset Turnover Ratio (%) | 0.14 | 0.13 | 0.13 | 0.12 | 0.11 |
| Current Ratio (X) | 1.26 | 1.28 | 1.47 | 1.44 | 1.44 |
| Quick Ratio (X) | 1.26 | 1.28 | 1.47 | 1.44 | 1.44 |
| Dividend Payout Ratio (NP) (%) | 7.88 | 7.49 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 7.57 | 7.21 | 0.00 | 0.00 | 0.00 |
| Earning Retention Ratio (%) | 92.12 | 92.51 | 0.00 | 0.00 | 0.00 |
| Cash Earning Retention Ratio (%) | 92.43 | 92.79 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 1.72 | 1.82 | 2.00 | 2.08 | 1.64 |
| Interest Coverage Ratio (Post Tax) (X) | 1.53 | 1.61 | 1.75 | 1.86 | 1.45 |
| Enterprise Value (Cr.) | 17753.04 | 14428.35 | 11068.66 | 9539.36 | 6294.59 |
| EV / Net Operating Revenue (X) | 11.60 | 12.68 | 13.99 | 16.01 | 13.19 |
| EV / EBITDA (X) | 14.41 | 15.83 | 18.19 | 21.22 | 17.40 |
| MarketCap / Net Operating Revenue (X) | 5.97 | 6.99 | 8.29 | 11.32 | 8.22 |
| Retention Ratios (%) | 92.11 | 92.50 | 0.00 | 0.00 | 0.00 |
| Price / BV (X) | 3.63 | 3.75 | 3.61 | 4.28 | 2.84 |
| Price / Net Operating Revenue (X) | 5.97 | 6.99 | 8.29 | 11.32 | 8.22 |
| EarningsYield | 0.04 | 0.03 | 0.03 | 0.02 | 0.02 |
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.
Strength and Weakness
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: 24.97%
- 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: 47.57% (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.
- ROE%: 15.15% (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.
- Interest Coverage Ratio (Post Tax): 1.53
- 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: 1.26
- 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: 23.6 (Industry average Stock P/E: 11.14)
- 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: 3.79
- 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: 24.97%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | 511, Acme Plaza, Andheri Kurla Road, Mumbai Maharashtra 400059 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Deepak Satwalekar | Chairperson |
| Mr. Manoj Viswanathan | Managing Director & CEO |
| Ms. Sucharita Mukherjee | Director |
| Mr. Narendra Ostawal | Director |
| Ms. Geeta Dutta Goel | Director |
| Mr. Anuj Srivastava | Director |
| Ms. Divya Sehgal | 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 11 January 2026) is ₹1213.05 which is 18.23% higher the current market price of ₹1,026.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹10,664 Cr. market cap, FY2025-2026 high/low of ₹1,519/839, reserves of ₹3,994 Cr, and liabilities of ₹13,811 Cr.
What is the Market Cap of Home First Finance Company India Ltd?
The Market Cap of Home First Finance Company India Ltd is 10,664 Cr..
What is the current Stock Price of Home First Finance Company India Ltd as on 11 January 2026?
The current stock price of Home First Finance Company India Ltd as on 11 January 2026 is ₹1,026.
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 ₹1,519/839.
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 23.6.
What is the Book Value of Home First Finance Company India Ltd?
The Book Value of Home First Finance Company India Ltd is 388.
What is the Dividend Yield of Home First Finance Company India Ltd?
The Dividend Yield of Home First Finance Company India Ltd is 0.36 %.
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.