SEBI Reg. Investment Advisor

Download App
Help Center Pricing
Money Works 4 Me Logo MoneyWorks4Me
Talk to Advisor
Login Get Free Account
Sign Up

MoneyWorks4Me

Log In Sign Up Schedule Free 15‑min Call
Login Get Free Account
Sign Up

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

₹1,080.60 22.00 (2.08%)

As on 05-Jun'26 16:59

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

₹1,080.60 22.00 (2.08%)

As on 05-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹11,058 Cr.
Current Price
₹1,080.6
52-Week Low / High
₹894 / 1,519
TTM EPS
₹51.7
Book Value per Share
₹410
P/E Ratio
20.46
Lower than its 5-year historical median
Industry PE
13.6
Price to Book (P/B)
2.58
Lower than its 5-year historical median
EV/EBITDA
13.70
Lower than its 5-year historical median
Dividend Yield
0.58%
Profitability Efficiency
Return on Equity (ROE)
16.02%
Return on Capital Employed (ROCE)
11.13%
Return on Assets (ROA)
3.91%
Growth Momentum
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
₹1,915 Cr.
Reserves
₹4,262 Cr.
Equity
₹20.9 Cr.
Face Value
₹2
All Time Low / High
₹441.00 / 1518.80

Home First Finance Company India stock performance

Key Ratios
mw4me loader

Check Before You Invest

Check Before You Invest

Quality

Somewhat Good
Check detailed performance

Valuation

Undervalued

Check Valuation charts

Price Trend

Semi Strong
Check Price chart
Q.1 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.

View More

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.

View More
How does Home First Finance Company India Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Home First Finance Company India Ltd vs Industry Peers?
Home First Finance Company India Ltd AUM CAGR is 28.61%, compared to the 5-year industry median CAGR of 4.02%, indicating faster growth and gaining its market share.
View More
Q.1 Promoter shareholding and pledge status of Home First Finance Company India Ltd?
Promoters hold 6.99% of the Home First Finance Company India Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 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 15.92% based on the current price.
View More

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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 performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Operating Income (₹ Cr.)91.61322603994895967911,1371,5301,9151,915
YoY Gr. Rt. %-44.2%96.8%53.3%22.7%21.8%32.8%43.8%34.5%25.1%-
Adj EPS (₹ ) 1.33.17.210.211.521.225.934.542.451.851.7
YoY Gr. Rt. %-140.3%132.9%40.7%12.8%85.3%22.1%33.2%22.8%22.1%-
BVPS (₹ )58.761.881.9118.3156.9178203.8235.3273.6410.5410
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 (%)0.81.42.42.72.53.83.83.73.53.90

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income40.2%31.4%34.3%25.1%
Adj EPS50.7%35.2%25.9%22.1%
BVPS24.1%21.2%26.3%50%
Share Price - 13.7% 11.5% -16.9%

Key Financial Ratios

RATIOS \ YEARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)7.312.117.62020.531.228.926.92528.228.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)35.110.9118.712.713.615.816.81612.6

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Income + 921342714204895967961,1571,5391,923
Interest Income921322603994895967911,1371,5301,915
Other Income ⓘ 351121373029343969
Exceptional Items ⓘ 0211210051998
Expenditure ⓘ + 811102063123553695007571,0381,215
Interest Expense ⓘ 5466127194221219308503719796
Operating Expenses ⓘ 2439699898120163220280350
Provisions 351121373029343969
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 102465107134226295400502708
Taxes ⓘ 48202834406794120167
Profit After Tax 7164680100186228306382540
Adjusted EPS (₹)1.33.17.210.211.521.225.934.542.451.8
Dividend Payout Ratio (%)0%0%0%0%0%0%10%9.80%8.70%10%

Valuation of Home First Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

YTD 1Y 3Y 5Y 10Y Max
mw4me loader

mw4me loader

Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Equity and Liabilities

Equity Capital +3063255239331,3811,5741,8172,1212,5214,356
Share Capital ⓘ 10101316171818181821
Reserves ⓘ 2963155109181,3631,5561,8002,1042,5034,336
Short term borrowings8001002061,8992,222
Long Term Borrowings6551,0151,9272,4943,0653,4714,8177,3017,8058,614
Current Liabilities 30304676941171972272,0002,362
Trade Payables31105615111616
Other Liabilities-11-1-1-10-5-9-15-17-1,915-2,239
Total Liabilities ⓘ 9911,3712,4963,5034,5395,1616,8319,64912,32615,333

Assets

Non Current Asset +7971,3202,2553,0353,3444,3256,0228,17410,98113,560
Loan Asset 7611,2731,9972,7243,0183,8175,0946,74810,64913,133
Other Non Current Asset ⓘ 35472593113265089281,426332427
Current Asset +195512414681,1968368091,4751,3451,773
Current Investment0001463750281379360812
Other Current Asset195512413228218365281,096985961
Total Assets ⓘ 9911,3712,4963,5034,5395,1616,8319,64912,32615,333

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26
Cash Flow From Operating Activity ⓘ -273-506-791-823-223-807-1,469-1,908-2,196-1,940
Cash Flow From Investing Activity ⓘ -1456-105-108-615804-267-217-0-408
Cash Flow From Financing Activity ⓘ 3803571,0598939004111,3532,4702,2152,197
Net Cash Flow ⓘ 93-93163-3862408-38234519-150

Financial Ratio

PARTICULARSMar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25Mar'26

Operational & Financial Ratios
EPS (₹)6.5015.5036.1010.2011.5021.2025.9034.5042.4051.80
DPS (₹)0000002.603.403.705.20
BVPS (₹)293.6309.2409.3118.3156.9178203.8235.3273.6410.5

Performance Ratios

ROA (%)0.81.42.42.72.53.83.83.73.53.9
ROE (%)3.05.110.911.08.712.713.615.816.816.0
ROCE (%)8.37.810.110.39.09.410.311.311.411.1

Valuation Parameters

Price/Book(x)0.00.00.00.02.94.33.73.83.72.2

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

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 05-Jun-2026 16:59 is ₹1,080.6.

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 04-Jun-2026 the market cap of Home First Finance stood at ₹11,058 Cr

The latest P/E ratio of Home First Finance as of 04-Jun-2026 is 20.46.

The latest P/B ratio of Home First Finance as of 04-Jun-2026 is 2.58.

The 52-week high of Home First Finance is ₹1,518.8 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 ₹1,915 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Home First Finance Company India Ltd is a 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.
You have 1 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
2026 ©The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me® is a registered trademark of The Alchemists Ark Pvt. Ltd.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

Our Vision

To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through:

×