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10 Yrs X-Ray 
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Home First Finance Company India Ltd (HOMEFIRST)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543259 NSE: HOMEFIRST Finance - Housing | Small Cap | Home First Finance Share Price
₹1,186.40 -23.50 (-1.94%)
As on 11-Sep'26 15:19
Home First Finance Company India Ltd (HOMEFIRST)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543259 NSE: HOMEFIRST Finance - Housing | Small Cap | Home First Finance Share Price
₹1,186.40 -23.50 (-1.94%)
As on 11-Sep'26 15:19
Key Metrics
Valuation Multiples
Market Cap
₹12,651 Cr.
Current Price
₹1,186.4
52-Week Low / High
₹894 / 1,315
TTM EPS
-
Book Value per Share
-
P/E Ratio
Industry PE
13.3
Price to Book (P/B)
EV/EBITDA
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
%
Return on Capital Employed (ROCE)
%
Return on Assets (ROA)
%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
37.9%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
50.04%
Asset Quality
Gross NPA(%)
1.59%
Net NPA(%)
1.39%
TTM Sales
-
Reserves
-
Equity
₹20.9 Cr.
Face Value
₹2
All Time Low / High
₹441.00 / 1518.80
Check Before You Invest
Quality
Not GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Home First Finance Company India Ltd a good quality company?
Home First Finance Company India Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Home First Finance Company India Ltd performance compare with that of its Peers?
AUM Growth of Home First Finance Company India Ltd vs Industry Peers?
Home First Finance Company India Ltd AUM CAGR is 27.57%, compared to the 5-year industry median CAGR of 4.92%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Home First Finance Company India Ltd?
Promoters hold 6.97% of the Home First Finance Company India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Home First Finance Company India Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 15.98% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Home First Finance Company India Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 91.6 | 132 | 260 | 399 | 489 | 596 | 791 | 1,137 | 1,530 | 1,915 | 1,992 | |
| YoY Gr. Rt. % | - | 44.2% | 96.8% | 53.3% | 22.7% | 21.8% | 32.8% | 43.8% | 34.5% | 25.1% | - | |
| Adj EPS (₹ ) | 1.3 | 3.1 | 7.2 | 10.2 | 11.5 | 21.2 | 25.9 | 34.5 | 42.4 | 51.8 | 55.6 | |
| YoY Gr. Rt. % | - | 140.3% | 132.9% | 40.7% | 12.8% | 85.3% | 22.1% | 33.2% | 22.8% | 22.1% | - | |
| BVPS (₹ ) | 58.7 | 61.8 | 81.9 | 118.3 | 156.9 | 178 | 203.8 | 235.3 | 273.6 | 410.5 | 424.9 | |
| YoY Gr. Rt. % | - | 5.3% | 32.4% | 44.5% | 32.6% | 13.5% | 14.5% | 15.5% | 16.3% | 50% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.8 | 1.4 | 2.4 | 2.7 | 2.5 | 3.8 | 3.8 | 3.7 | 3.5 | 3.9 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 40.2% | 31.4% | 34.3% | 25.1% | ||||
| Adj EPS | 50.7% | 35.2% | 25.9% | 22.1% | ||||
| BVPS | 24.1% | 21.2% | 26.3% | 50% | ||||
| Share Price | - | 15.5% | 11.7% | -8.2% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 7.3 | 12.1 | 17.6 | 20 | 20.5 | 31.2 | 28.9 | 26.9 | 25 | 28.2 | 29.2 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 3 | 5.1 | 10.9 | 11 | 8.7 | 12.7 | 13.6 | 15.8 | 16.8 | 16 | 13.1 | |
Valuation of Home First Finance - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
No data found!
No data found!
No data found!
No data found!
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Home First Finance Company India Ltd FAQs
The current trading price of Home First Finance on 11-Sep-2026 15:19 is ₹1,186.4.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Sep-2026 the market cap of Home First Finance stood at ₹12,650.7 Cr
The latest P/E ratio of Home First Finance as of 10-Sep-2026 is 21.76.
The latest P/B ratio of Home First Finance as of 10-Sep-2026 is 2.85.
The 52-week high of Home First Finance is ₹1,315 and the 52-week low is ₹894.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Home First Finance is ₹1,992 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Home First Finance Company India Ltd is a below average quality company.
The key valuation ratios of Home First Finance Company India Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Home First Finance Company India Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Home First Finance Company India Ltd
Home First Finance Company India (HomeFirst) is a technology driven affordable housing finance company that targets first time home buyers in low and middle-income groups. It primarily offers housing loans for the purchase or construction of homes. The company has deep penetration in the large housing finance markets with a network of vast branches with presence in several States / UT in India, with a significant presence in emerging urban regions in the states of Gujarat, Maharashtra, Andhra Pradesh, Telangana, Karnataka and Tamil Nadu and increasing presence in emerging affordable housing finance markets of Uttar Pradesh, Uttarakhand, Madhya Pradesh and Rajasthan. The company has diversified lead generating channels with a wide network of connectors.
The company utilizes a diverse range of lead sourcing channels such as connectors, architects, contractors, affordable housing developers, in addition to conducting loan camps and micro marketing activities, and utilizing employee and customer referrals and branch walk-in customers.
Business area of the company
The company's main business is financing by way of loans towards affordable housing segment in India and is primarily engaged in the business of lending of housing loans, loans for the purpose of purchasing a commercial property and loan against property.
Products
- Home Loan
- Self-Construction Loan
- Resale Loan
- Mortgage Loan
- Shop Loan
- Renovation Loan
- Top-up Loan
Major events and milestones
- 2010: Incorporation of the company
- 2010: Obtained certificate of registration from NHB with Jaithirth Rao and P. S. Jayakumar as the promoters of the company
- 2011: Investment by Bessemer in the company
- 2012: Change of its registered office to Mumbai
- 2012: Expanded operations in Gujarat and Tamil Nadu
- 2013: Approved 1,000 loans, and Gross Loan Assets of the company became Rs 689.5 million
- 2013: CARE Credit Rating for long term bank facilities was BBB-
- 2013: Investment by Alpha TC Holdings Pte Limited in the company
- 2014: Company became profitable with Gross Loan Assets of Rs 1,629.1 million
- 2014: CARE Credit Rating for long term bank facilities improved to BBB+
- 2015: Company had customer base of 5,000 with Gross Loan Assets of Rs 3,368.3 million
- 2016: Customer base crossed over 10,000 spread across over 25 cities and Gross Loan Assets of the company touched Rs 5,477.4 million
- 2016: Further investment by Bessemer in the company and Alpha TC Holdings Pte Limited
- 2016: CARE Credit Rating for long term bank facilities improved to A
- 2017: Investment by TN V LLP and Aether in the company
- 2017: ICRA Credit Rating for long term bank facilities improved to A+ and CARE Credit Rating for long term bank facilities improved to A
- 2017: Gross Loan Assets became Rs 8,473.2 million
- 2017: Exit of Alpha TC Holdings Pte Limited
- 2018: Net worth of the company crossed Rs 5,000 million and Gross Loan Assets became Rs 13,559.3 million
- 2018: Declassification of Jaithirth Rao as the promoter of the company
- 2019: Customer base crossed over 30,000 with Gross Loan Assets touching Rs 24,435.7 million
- 2019: Approved over 55,000 housing loans
- 2019: Declassification of P. S. Jayakumar as the promoter of the company
- 2020: Investment by Orange Clove in the company
- 2020: The company was certified as a “Great Place to Work” by Great Place to Work Institute, India for a period from November, 2020 to October, 2021.
- 2021: The company raised Rs 99 crore via NCDs.
- 2021: The company and Union Bank of India entered into a strategic co-lending partnership to offer home loans to customers at competitive interest rates.
- 2022: The company entered into a strategic co-lending partnership with Central Bank of India to offer home loans to customers at competitive interest rates.
- 2022: The company raised Rs 280 crore from International Finance Corporation (IFC).
- 2024: The company has been granted the Corporate Agent (Composite) license by IRDAI for soliciting life, general and health insurance (Composite) as Corporate Agent.
- 2024: The company achieved Rs 10,000 crore Assets Under Management (AUM).
- 2024: The company received Environmental, Social, and Governance (ESG) score of 45 out of 100 from S&P Global, ESG score provider.
- 2025: The company raised Rs 1,250 crore through QIP.
- 2025: Assets Under Management (AUM) exceeds Rs 12,000 crore.
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