Is Home First Finance Company India Ltd (HOMEFIRST) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Home First Finance Company India Ltd is a average quality company .

Is Home First Finance Company India Ltd (HOMEFIRST) undervalued or overvalued?

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 .

What is Home First Finance Company India Ltd (HOMEFIRST) share price return in the past 10 years?

Data is not available for this company

Is Home First Finance Company India Ltd (HOMEFIRST) a good buy now?

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.

What is the share price of Home First Finance Company India Ltd (HOMEFIRST)?

Company share prices are keep on changing according to the market conditions. The current trading price of Home First Finance Company India Ltd (HOMEFIRST) on 17-Apr-2026 16:59:59 at 16:59 is 1127.05.

What is the P/E ratio of Home First Finance Company India?

The latest standalone P/E ratio of Home First Finance Company India as of 17-Apr-2026 is 23.72.

What is the P/B ratio of Home First Finance Company India Ltd (HOMEFIRST)?

The latest standalone P/B ratio of Home First Finance Company India Ltd (HOMEFIRST) as of 17-Apr-2026 is 2.83.

What is the 52-week high and low of Home First Finance Company India Ltd (HOMEFIRST)?

The 52-week high of Home First Finance Company India Ltd (HOMEFIRST) is Rs. 1518.80 and the 52-week low is Rs. 893.95.

Home First Finance Company India Ltd (HOMEFIRST) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Home First Finance Company India Ltd (HOMEFIRST)
Brand: Home First Finance Company India

Home First Finance Company India Ltd (HOMEFIRST) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Home First Finance Company India Ltd (HOMEFIRST)

BSE: 543259 NSE: HOMEFIRST

Key Metrics

Market Cap

₹11,758 Cr.

Earnings Per Share (TTM)

₹47.51

P/E Ratio

23.72

Price to Book (P/B)

2.83

EV/EBITDA

13.61

Current Price

₹1,127.1

Return on Capital Employed (ROCE)

11.35%

Return on Equity (ROE)

16.81%

Return on Assets (ROA)

3.48%

Gross NPA(%)

1.48

Book Value per Share

₹398.2

Net NPA(%)

1.48

Dividend Yield

0.36%

Net Interest Income Growth (1 Year)

27.86%

Net Interest Income Growth (3 Years)

29.14%

52-Week Low / High

₹894 / 1,519

Book Value Growth (1 Year)

16.28%

Book Value Growth (3 Years)

15.4%

DeciZen - make an informed investing decision on Home First Finance

Based on:

Data

Overall Rating ⓘ
Login to view analysis.

1. Quality

2. Valuation

3. Price Trend

Home First Finance Company India stock performance

Key Ratios

Is Home First Finance Company India Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

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

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	59.7	91.6	132	260	399	489	596	791	1,137	1,530	1,822
YoY Gr. Rt. %	-	53.5%	44.2%	96.8%	53.3%	22.7%	21.8%	32.8%	43.8%	34.5%	-
Adj EPS (₹ )	3.2	1.3	3.1	7.2	10.2	11.5	21.2	25.9	34.5	42.4	47.5
YoY Gr. Rt. %	-	-59.2%	140.3%	132.9%	40.7%	12.8%	85.3%	22.1%	33.2%	22.8%	-
BVPS (₹ )	79.8	58.7	61.8	81.9	118.3	156.9	178	203.8	235.3	273.6	398.2
YoY Gr. Rt. %	-	-26.4%	5.3%	32.4%	44.5%	32.6%	13.5%	14.5%	15.5%	16.3%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.3	0.8	1.4	2.4	2.7	2.5	3.8	3.8	3.7	3.5	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	43.4%	30.9%	37%	34.5%
Adj EPS	33.5%	33.1%	25.9%	22.8%
BVPS	14.7%	18.3%	15.4%	16.3%
Share Price	-	18.8%	15.6%	-6.5%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	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 (%)	10.1	7.3	12.1	17.6	20	20.5	31.2	28.9	26.9	25	27.2
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	4.8	3	5.1	10.9	11	8.7	12.7	13.6	15.8	16.8	11.9

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	47.5	-
TTM Sales (₹ Cr.)	1,822	-
BVPS (₹) ⓘ	398.2	-
Reserves (₹ Cr.) ⓘ	4,134	-
P/BV ⓘ	2.83	-
PE ⓘ	23.72	-

From the Market
52 Week Low / High (₹)	893.95 / 1518.80
All Time Low / High (₹)	441.00 / 1518.80
Market Cap (₹ Cr.)	11,758
Equity (₹ Cr.)	20.9
Face Value (₹)	2
Industry PE ⓘ	16

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of Home First Finance - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	62	92	134	271	420	489	596	796	1,157	1,539
Interest Income	60	92	132	260	399	489	596	791	1,137	1,530
Other Income ⓘ	1	3	5	11	21	37	30	29	34	39
Exceptional Items ⓘ	2	0	2	11	21	0	0	5	19	9
Expenditure ⓘ +	53	81	110	206	312	355	369	500	757	1,038
Interest Expense ⓘ	37	54	66	127	194	221	219	308	503	719
Operating Expenses ⓘ	15	24	39	69	98	98	120	163	220	280
Provisions	1	3	5	11	21	37	30	29	34	39
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	9	10	24	65	107	134	226	295	400	502
Taxes ⓘ	3	4	8	20	28	34	40	67	94	120
Profit After Tax	6	7	16	46	80	100	186	228	306	382
Adjusted EPS (₹)	3.2	1.3	3.1	7.2	10.2	11.5	21.2	25.9	34.5	42.4
Dividend Payout Ratio (%)	1%	0%	0%	0%	0%	0%	0%	10%	10%	9%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	154	306	325	523	933	1,381	1,574	1,817	2,121	2,521
Share Capital ⓘ	8	10	10	13	16	17	18	18	18	18
Reserves ⓘ	146	296	315	510	918	1,363	1,556	1,800	2,104	2,503
Short term borrowings	3	8	0	0	10	0	2	0	6	0
Long Term Borrowings	368	655	1,015	1,927	2,494	3,065	3,471	4,817	7,301	9,562
Current Liabilities	78	30	30	46	76	94	117	197	227	242
Trade Payables	2	3	1	1	0	5	6	15	11	16
Other Liabilities	-4	-11	-1	-1	-10	-5	-9	-15	-17	-16
Total Liabilities ⓘ	599	991	1,371	2,496	3,503	4,539	5,161	6,831	9,649	12,326
Assets
Non Current Asset +	510	797	1,320	2,255	3,035	3,344	4,325	6,022	8,174	10,696
Loan Asset	473	761	1,273	1,997	2,724	3,018	3,817	5,094	6,748	8,735
Other Non Current Asset ⓘ	37	35	47	259	311	326	508	928	1,426	1,962
Current Asset +	90	195	51	241	468	1,196	836	809	1,475	1,630
Current Investment	0	0	0	0	146	375	0	281	379	360
Other Current Asset	90	195	51	241	322	821	836	528	1,096	1,269
Total Assets ⓘ	599	991	1,371	2,496	3,503	4,539	5,161	6,831	9,649	12,326

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-151	-273	-506	-791	-823	-223	-807	-1,469	-1,908	-2,198
Cash Flow From Investing Activity ⓘ	8	-14	56	-105	-108	-615	804	-267	-217	-0
Cash Flow From Financing Activity ⓘ	190	380	357	1,059	893	900	411	1,353	2,470	2,217
Net Cash Flow ⓘ	46	93	-93	163	-38	62	408	-382	345	19

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	16	6	16	36	10	11	21	26	35	42
DPS (₹)	0	0	0	0	0	0	0	3	3	4
BVPS (₹)	399	294	309	409	118	157	178	204	235	274
Performance Ratios
ROA (%)	1.3	0.8	1.4	2.4	2.7	2.5	3.8	3.8	3.7	3.5
ROE (%)	4.8	3.0	5.1	10.9	11.0	8.7	12.7	13.6	15.8	16.8
ROCE (%)	9.8	8.3	7.8	10.1	10.3	9.0	9.4	10.3	11.3	11.4
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.0	2.9	4.3	3.7	3.8	3.7

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 17-Apr-2026 16:59 is ₹1,127.1.

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 16-Apr-2026 the market cap of Home First Finance stood at ₹11,758.3 Cr

The latest P/E ratio of Home First Finance as of 16-Apr-2026 is 23.72.

The latest P/B ratio of Home First Finance as of 16-Apr-2026 is 2.83.

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 ₹1,822 ( Cr.) .

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.

To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now

Build a Stress-Tested Portfolio.

Our Sapphire Advisory uses the ABC Concept to ensure you never have to panic during a market correction.

Core Stocks

STABILITY

Booster Stocks

GROWTH

Amplifier Stocks

ASYMMETRY

● Conflict-Free ● SEBI Registered ● 15Y+ Track Record

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Home First Finance Company India Ltd (HOMEFIRST) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Home First Finance Share Price