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Home First Finance Company India

HOMEFIRST NSE
₹1,082.30 +18.70 (+1.76%)
P/E
19.38
View as Markdown
MCP
Close 4 Nov 2026 ₹1,082.30 −53.70 −4.73% 1Y
Start ₹1,136.00

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

Debt to Equity
2.43
EPS (TTM)
₹55.84
Book Value
₹446.11
Market Cap
—
P/E (TTM)
19.38
P/B
2.43
ROE
15.70%
Dividend Yield
0.49%
52W High
₹1,317.70
52W Low
₹893.70
Day Range
₹1,045.90 – ₹1,099.10
Volume
4,18,482
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Home First Finance Company peer comparison
Bajaj Housing Finance
₹81.4225.21₹65,542 Cr2.820.00%12.10%—₹11,604 Cr₹2,692 Cr
Piramal Finance
₹1,946.20—₹45,625 Cr1.490.58%0.86%6.47%₹13,357 Cr₹1,909 Cr
LIC Housing Finance
₹520.004.98₹28,072 Cr0.651.98%14.40%—₹28,562 Cr₹5,739 Cr
PNB Housing Finance
₹1,082.0011.99₹28,029 Cr1.390.75%12.90%—₹8,700 Cr₹2,350 Cr
Aadhar Housing Finance
₹431.2016.44₹18,689 Cr2.520.00%15.90%—₹3,817 Cr₹1,140 Cr
Sammaan Capital
₹125.98—₹14,065 Cr0.821.67%−3.21%—₹7,418 Cr−₹7,236 Cr
Home First Finance Company (this company)
₹1,082.3019.38₹11,147 Cr2.430.49%15.70%—₹1,999 Cr₹581 Cr
Median 7 companies₹520.0016.44₹28,029 Cr1.490.58%12.90%6.47%₹8,700 Cr₹1,909 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

43 Weak

Data confidence 94/100

Category scores

Quality
31
Poor
Returns, margins, earnings quality 22% weight
Valuation
43
Weak
Cheap vs sector & own history 24% weight
Growth
69
Strong
Sales & profit trajectory 9% weight
Financial Health
42
Weak
Solvency, leverage, coverage 9% weight
Momentum
29
Poor
Trend strength, vol-adjusted 12% weight
Ownership
51
Average
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Company has delivered good profit growth of 40.1% CAGR over last 5 years
  • Company's median sales growth is 39.5% of last 10 years

Weaknesses

4
  • Stock is trading at 2.61 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding is low: 6.98%
  • Promoter holding has decreased over last 3 years: -23.2%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBearish865
OscillatorsBearish261
Moving AveragesStrong Bearish604

Key readings

RSI (14)
50.34
Neutral
MACD (12,26,9)
−19.91
Bullish
SMA (50)
1,131.31
Bearish
SMA (200)
1,127.43
Bearish

As of

Analyst Rating

Based on 24 analysts
BUY92%

22 of 24 analysts rate Buy, 1 Hold, 1 Sell.

As of

BUY
22
92%
HOLD
1
4%
SELL
1
4%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+41.43%
5Y+31.48%
3Y+34.13%
1Y+24.82%
TTM+21.24%

Net profit

Net profit growth by window
10Y+56.83%
5Y+40.11%
3Y+33.30%
1Y+41.36%
TTM+40.68%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹94.00 Cr
Mar 2018₹145 Cr
Mar 2019₹264 Cr
Mar 2020₹411 Cr
Mar 2021₹489 Cr
Mar 2022₹596 Cr
Mar 2023₹796 Cr
Mar 2024₹1,157 Cr
Mar 2025₹1,539 Cr
Mar 2026₹1,921 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹9.00 Cr
Mar 2018₹25.00 Cr
Mar 2019₹46.00 Cr
Mar 2020₹80.00 Cr
Mar 2021₹100 Cr
Mar 2022₹186 Cr
Mar 2023₹228 Cr
Mar 2024₹306 Cr
Mar 2025₹382 Cr
Mar 2026₹540 Cr

Analyst Forecasts

Forecast For
Dec 26 consensus · EPS
₹15.80 −2.9% vs Sep 26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 8 Aug 2026
AI opinion · based on fundamentals
Risk medium

Home First Finance Company India Ltd is a technology-driven affordable housing finance company with AUM of ₹15,878 Cr (FY26, up 24.9% YoY) and a market cap of ~₹12,417 Cr trading at 21.4x PE and 2.86x book value. The company has delivered 40% profit CAGR over five years with ROE of ~16.5%, but faces concerns around low promoter holding at ~7% and elevated valuation relative to book.

Bull Case 8
  • Strong AUM growth of 31.1% YoY in FY25 and 24.9% YoY in FY26, reaching ₹15,878 Cr, demonstrating consistent scale-up in affordable housing finance
  • Profit CAGR of 40.1% over the last 5 years, with FY26 PAT growing 42.7% YoY, indicating robust earnings compounding
  • Compounded sales growth of 34% over 3 years and 31% over 5 years, with median sales growth of 39.5% over last 10 years
  • Stable asset quality with GNPA at 1.8% and 90+ DPD at 1.7% in FY25 with credit cost contained at 30 bps, indicating disciplined underwriting
  • ROE of 16.5% for FY25 (reaching 17% in Q4 FY25) supported by operating leverage and healthy spreads of ~5.2-5.3%
  • Return on Assets at 4.1% in Q4 FY26, well above industry average for housing finance companies, reflecting efficient capital deployment
  • Capital adequacy strengthened via ₹1,250 Cr QIP in April 2025, bringing net worth to ₹3,751 Cr (proforma), providing runway for continued growth
  • Technology-driven model focused on affordable housing for first-time homebuyers in low and middle-income segments, a structurally underpenetrated market in India
Bear Case 7
  • Promoter holding has fallen to just 6.97%, down 23.2% over the last 3 years, with PE fund True North and Aether selling stakes in bulk deals worth ₹660 Cr
  • Stock trades at 2.86x book value, a premium valuation for a housing finance company that requires sustained high growth to justify
  • Low interest coverage ratio as flagged in financial screening, indicating sensitivity to borrowing cost fluctuations
  • AUM growth decelerated from 31.1% in FY25 to 24.9% in FY26, suggesting potential moderation in the growth trajectory
  • Stock price CAGR of -2% over 1 year despite strong earnings growth, indicating market re-rating risk or valuation compression
  • Dividend yield of only 0.44%, offering minimal income return to shareholders relative to the valuation premium
  • QIP dilution of 1.29 Cr shares in April 2025 expanded equity base, which could moderate EPS growth going forward despite rising profits

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

83d ago

TL;DR: Home First Finance delivered a strong Q1FY27 with 34.5% profit growth, record disbursements of ₹1,628 crore, and 25.7% AUM expansion to nearly ₹17,000 crore. Asset quality remains stable and capital adequacy improved. No identifiable headwinds emerged in this period. The growth trajectory and active institutional engagement suggest continued momentum heading into Q2FY27.

Positives 2
  • PAT up 34.5% YoY in Q1FY27 Aug 4

    Net profit rose 34.5% YoY to ₹160 crore for Q1FY27, driven by 38.2% growth in net interest income and stable asset quality.

  • AUM grows 25.7%, record disbursements Jul 29

    AUM rose 25.7% to ₹16,938 crore while disbursements hit a record ₹1,628 crore, supported by efficient cost management and improved capital adequacy.

Neutral 4
  • Investor meets scheduled Aug 6-7 Aug 4

    Home First Finance will hold in-person meetings with six institutional investors and analysts in Mumbai on August 6-7, 2026.

  • Q1FY27 earnings call held Jul 28 Jul 28

    Management including MD & CEO and CFO conducted the Q1FY27 earnings conference call on July 28, 2026; audio recording uploaded.

  • Investor meets with SBI, Birla Jul 27

    One-on-one meetings held with SBI General Insurance and Aditya Birla Capital on July 29-30, 2026.

Quarterly Results

₹ Cr
HOMEFIRST quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
255
273
296
313
336
373
406
415
454
477
482
501
538
Expenses
60
62
65
58
68
75
81
84
94
99
102
109
118
Financing Profit
88
95
101
109
112
123
132
141
159
176
186
197
211
Fin. Margin %
34%
35%
34%
35%
33%
33%
33%
34%
35%
37%
39%
39%
39%
Other Income
5
5
5
5
5
1
2
2
2
2
1
3
2
Interest
107
117
130
146
157
176
193
190
200
203
194
195
208
Depreciation
3
3
3
3
3
4
4
4
4
5
5
5
5
PBT
90
96
103
111
114
120
130
138
156
173
183
195
208
Tax %
23%
23%
23%
25%
23%
23%
25%
24%
24%
24%
23%
23%
23%
Net Profit
69
74
79
83
88
92
97
105
119
132
140
149
160
EPS (₹)
7.84
8.43
8.92
9.43
9.87
10.34
10.86
11.63
11.52
12.73
13.49
14.33
15.29
Gross NPA %
1.64%
1.7%
1.7%
1.7%
2.9%
1.7%
1.7%
1.7%
1.8%
1.9%
2%
1.8%
1.8%
Net NPA %
1.14%
1.2%
1.2%
1.2%
1.3%
1.3%
1.3%
1.3%
1.4%
1.5%
1.6%
1.4%
1.4%

Profit & Loss

₹ Cr
HOMEFIRST profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
39
60
94
145
264
411
489
596
796
1,157
1,539
1,921
1,999
Expenses
12
16
26
41
75
111
127
143
183
242
303
400
428
Financing Profit
5
7
14
38
63
106
142
234
304
412
517
725
770
Fin. Margin %
13%
12%
15%
26%
24%
26%
29%
39%
38%
36%
34%
38%
39%
Other Income
0
2
0
2
7
9
0
0
0
0
0
2
8
Interest
22
37
54
67
127
194
220
219
308
503
719
796
800
Depreciation
0
0
1
1
5
7
8
8
9
12
16
19
20
PBT
5
9
14
38
65
107
134
226
295
400
502
708
759
Tax %
29%
33%
36%
34%
30%
26%
25%
18%
23%
24%
24%
24%
—
Net Profit
3
6
9
25
46
80
100
186
228
306
382
540
581
EPS (₹)
11.73
16.01
8.5
24.41
36.09
10.16
11.46
21.24
25.94
34.54
42.43
51.8
55.84
Div. Payout %
2%
1%
0%
0%
0%
0%
0%
0%
10%
10%
9%
10%
—

Balance Sheet

₹ Cr
HOMEFIRST balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3
4
10
10
13
16
17
18
18
18
18
21
Reserves
96
146
298
323
510
918
1,363
1,556
1,800
2,104
2,503
4,336
Borrowing
255
369
665
1,022
1,926
2,494
3,054
3,467
4,813
7,302
9,551
10,590
Other Liabilities
6
78
18
17
33
53
76
76
108
110
140
220
Total Liabilities
359
597
990
1,372
2,482
3,480
4,510
5,117
6,739
9,534
12,212
15,167
Fixed Assets
1
1
3
5
17
21
17
20
26
30
46
56
CWIP
0
0
0
1
0
0
0
0
0
0
0
0
Investments
0
0
0
0
103
146
375
0
281
379
360
812
Other Assets
359
595
988
1,366
2,361
3,314
4,118
5,097
6,432
9,125
11,805
14,298
Total Assets
359
597
990
1,372
2,482
3,480
4,510
5,117
6,739
9,534
12,212
15,167

Cash Flow

₹ Cr
HOMEFIRST cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
—
—
—
—
—
−823
−223
−807
−1,469
−1,908
−2,196
−1,940
Investing
—
—
—
—
—
−108
−615
804
−267
−217
0
−408
Financing
—
—
—
—
—
893
900
411
1,353
2,470
2,215
2,198
Net Cash Flow
—
—
—
—
—
−38
62
408
−382
345
19
−150
Free Cash Flow
—
—
—
—
—
−827
−225
−810
−1,476
−1,916
−2,208
−1,949
CFO/OP
—
—
—
—
—
−267
−53
−169
−228
−199
−169
−119

Ratios

HOMEFIRST financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
3%
5%
4%
8%
11%
11%
9%
13%
13%
16%
16%
16%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Home First Finance Company insights

54 extracted metrics across FY15–FY27.

Shareholding Pattern

As of Sep 2026

  • FIIs 42.45%
  • DIIs 32.94%
  • Public 9.64%
  • Others 8.00%
  • Promoters 6.97%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Home First Finance Company India

What does Home First Finance Company India Ltd do?
Home First Finance Company India (HFFC) is a Housing Finance Company which offers home loan with 48 hours sanctions and hassle-free process.
Where is Home First Finance Company India Ltd (HOMEFIRST) listed?
Home First Finance Company India Ltd trades as HOMEFIRST on the NSE and under code 543259 on the BSE.
Which sector does Home First Finance Company India Ltd belong to?
Home First Finance Company India Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the PE ratio of Home First Finance Company India Ltd?
Home First Finance Company India Ltd trades at a PE ratio of 19.38 as of 4 Nov 2026, on earnings per share of ₹55.84, against a book value of ₹446.11 per share.
What is the 52-week high and low of Home First Finance Company India Ltd?
Over the last 52 weeks Home First Finance Company India Ltd has traded between ₹893.7 and ₹1,317.7 as of 4 Nov 2026.
Does Home First Finance Company India Ltd pay dividends?
Home First Finance Company India Ltd has a dividend yield of 0.49%.
What is the Return on Equity (ROE) of Home First Finance Company India Ltd?
Home First Finance Company India Ltd reported a return on equity of 15.70%. Its debt-to-equity ratio is 2.43.

Company Information

Home First Finance Company India (HFFC) is a Housing Finance Company which offers home loan with 48 hours sanctions and hassle-free process.

Website homefirstindia.com
CEO Mr. Manoj Viswanathan
Employees 1,634
Listed 3 Feb 2021
Face Value ₹2

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