Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 273 | 296 | 313 | 336 | 373 | 406 | 415 | 454 | 477 | 482 | 501 | 538 |
| Interest | 117 | 130 | 146 | 157 | 176 | 193 | 190 | 200 | 203 | 194 | 195 | 208 |
| Expenses | 62 | 65 | 58 | 68 | 75 | 81 | 84 | 94 | 99 | 102 | 109 | 118 |
| Financing Profit | 95 | 101 | 109 | 112 | 123 | 132 | 141 | 159 | 176 | 186 | 197 | 211 |
| Financing Margin % | 35% | 34% | 35% | 33% | 33% | 33% | 34% | 35% | 37% | 39% | 39% | 39% |
| Other Income | 5 | 5 | 5 | 5 | 1 | 2 | 2 | 2 | 2 | 1 | 3 | 2 |
| Depreciation | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 |
| Profit before tax | 96 | 103 | 111 | 114 | 120 | 130 | 138 | 156 | 173 | 183 | 195 | 208 |
| Tax % | 23% | 23% | 25% | 23% | 23% | 25% | 24% | 24% | 24% | 23% | 23% | 23% |
| Net Profit | 74 | 79 | 83 | 88 | 92 | 97 | 105 | 119 | 132 | 140 | 149 | 160 |
| EPS in Rs | 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 % | 1.70% | 1.70% | 1.70% | 2.90% | 1.70% | 1.70% | 1.70% | 1.80% | 1.90% | 2.00% | 1.80% | 1.80% |
| Net NPA % | 1.20% | 1.20% | 1.20% | 1.30% | 1.30% | 1.30% | 1.30% | 1.40% | 1.50% | 1.60% | 1.40% | 1.40% |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 60 | 94 | 145 | 264 | 411 | 489 | 596 | 796 | 1,157 | 1,539 | 1,921 | 1,999 |
| Interest | 37 | 54 | 67 | 127 | 194 | 220 | 219 | 308 | 503 | 719 | 796 | 800 |
| Expenses | 16 | 26 | 41 | 75 | 111 | 127 | 143 | 183 | 242 | 303 | 400 | 428 |
| Financing Profit | 7 | 14 | 38 | 63 | 106 | 142 | 234 | 304 | 412 | 517 | 725 | 770 |
| Financing Margin % | 12% | 15% | 26% | 24% | 26% | 29% | 39% | 38% | 36% | 34% | 38% | 39% |
| Other Income | 2 | 0 | 2 | 7 | 9 | 0 | 0 | 0 | 0 | 0 | 2 | 8 |
| Depreciation | 0 | 1 | 1 | 5 | 7 | 8 | 8 | 9 | 12 | 16 | 19 | 20 |
| Profit before tax | 9 | 14 | 38 | 65 | 107 | 134 | 226 | 295 | 400 | 502 | 708 | 759 |
| Tax % | 33% | 36% | 34% | 30% | 26% | 25% | 18% | 23% | 24% | 24% | 24% | |
| Net Profit | 6 | 9 | 25 | 46 | 80 | 100 | 186 | 228 | 306 | 382 | 540 | 581 |
| EPS in Rs | 16.01 | 8.50 | 24.41 | 36.09 | 10.16 | 11.46 | 21.24 | 25.94 | 34.54 | 42.43 | 51.80 | 55.84 |
| Dividend Payout % | 1% | 0% | 0% | 0% | 0% | 0% | 0% | 10% | 10% | 9% | 10% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 42% | 31% | 34% | 21% | ||
| Compounded Profit Growth | 57% | 40% | 33% | 41% | ||
| Stock Price CAGR | % | 13% | 10% | -10% | ||
| Return on Equity | 14% | 15% | 16% | 16% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -823 | -223 | -807 | -1,469 | -1,908 | -2,196 | -1,940 | |||||
| Cash from Investing Activity | -108 | -615 | 804 | -267 | -217 | -0 | -408 | |||||
| Cash from Financing Activity | 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% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 5% | 4% | 8% | 11% | 11% | 9% | 13% | 13% | 16% | 16% | 16% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 30.19% | 23.60% | 23.56% | 23.45% | 23.38% | 14.31% | 14.25% | 12.43% | 12.39% | 12.35% | 6.98% | 6.98% |
| FIIs | 17.02% | 24.83% | 25.09% | 24.73% | 25.57% | 37.91% | 36.00% | 37.19% | 39.99% | 40.82% | 45.72% | 43.90% |
| DIIs | 9.96% | 11.72% | 11.84% | 11.96% | 12.41% | 18.28% | 19.82% | 21.89% | 28.84% | 27.61% | 27.52% | 29.83% |
| Public | 42.83% | 39.84% | 39.50% | 39.85% | 38.62% | 29.50% | 29.93% | 28.51% | 18.78% | 19.23% | 19.77% | 19.29% |
| No. of Shareholders | 78,918 | 78,152 | 76,526 | 75,625 | 78,604 | 86,972 | 88,276 | 86,471 | 85,010 | 83,670 | 82,905 | 81,261 |
Fundamentals
Market Cap₹ 11,443 Cr.
Current Price₹ 1,094
Stock P/E19.7
Book Value₹ 418
ROCE11.1 %
ROE15.7 %
Dividend Yield0.48 %
Face Value₹ 2.00
Compounded Sales Growth (TTM)21%
Compounded Profit Growth (TTM)41%
Standalone figures.
Valuation
Market capRs 11,744 Cr
Enterprise valueRs 21,493 Cr
P/E (TTM)20.20x
Price to book2.70x
Price to sales5.88x
EV / EBITDA13.61x
EV / EBIT13.78x
EV / sales10.75x
Earnings yield4.95%
Dividend yield0.46%
P/E, 3-year average22.46x
P/B, 3-year average3.18x
P/E, 5-year average26.45x
P/B, 5-year average3.48x
Profitability
Operating margin (excl. other income)79.17%
Operating margin (incl. other income)79.26%
EBITDA margin79.00%
Pre-tax margin37.96%
Net profit margin29.08%
Net margin, latest quarter29.71%
ROE15.71%
ROCE11.13%
ROA3.95%
ROE, 3-year average15.90%
ROCE, 3-year average11.24%
ROA, 3-year average3.74%
ROE, 5-year average14.75%
ROCE, 5-year average10.69%
ROA, 5-year average3.79%
ROIC (approx.)8.44%
Tax rate23.65%
Other income / net worth0.04%
Growth
Sales growth (latest year)24.82%
Profit growth (latest year)41.43%
Sales CAGR, 3 years34.16%
Sales CAGR, 5 years31.47%
Profit CAGR, 3 years33.27%
Profit CAGR, 5 years40.09%
Sales growth QoQ7.30%
Profit growth QoQ6.96%
Sales growth YoY (latest quarter)18.61%
Profit growth YoY (latest quarter)34.45%
Per share
EPS (TTM)Rs 55.72
EPS (latest year)Rs 51.80
EPS (latest quarter)Rs 15.32
EPS, 3-year averageRs 42.92
EPS, 5-year averageRs 35.19
Book value per shareRs 417.58
Sales per shareRs 191.61
Cash flow per shareRs -185.93
Free cash flow per shareRs -186.81
Dividend per share (latest year)Rs 5.20
Dividend per share, 3-year averageRs 4.10
Dividend per share, 5-year averageRs 3.72
Dividends
Dividend payout10.04%
Dividend payout, 3-year average9.53%
Dividend payout, 5-year average9.66%
Efficiency
Asset turnover0.13x
Fixed asset turnover34.53x
Debtor days1 days
Debtors turnover245.97x
Leverage
Total debtRs 10,590 Cr
Cash and bankRs 841 Cr
Net debtRs 9,749 Cr
Debt to equity2.43x
Net debt / EBITDA6.17x
Interest coverage1.95x
Owners' fund to total sources28.72%
Debt to assets69.83%
Cash flow
Cash from Operating Activity (latest year)Rs -1,940 Cr
Cash from Investing Activity (latest year)Rs -408 Cr
Cash from Financing Activity (latest year)Rs 2,198 Cr
Net Cash Flow (latest year)Rs -150 Cr
Free cash flow (latest year)Rs -1,949 Cr
FCFE (approx.: FCF + change in debt)Rs -910 Cr
Cash from ops / profit, 5 years-5.07x
Statement figures
Net sales (TTM)Rs 1,999 Cr
Net sales (latest year)Rs 1,921 Cr
Sales (latest quarter)Rs 538 Cr
Operating profit excl. other income (latest year)Rs 1,521 Cr
Operating profit (latest quarter)Rs 420 Cr
Other income (TTM)Rs 8 Cr
EBITDA (TTM)Rs 1,579 Cr
PBDT (TTM)Rs 779 Cr
Profit before tax (TTM)Rs 759 Cr
Tax (latest year)Rs 167 Cr
Net profit (TTM)Rs 581 Cr
Net profit (latest year)Rs 540 Cr
Net profit (latest quarter)Rs 160 Cr
Depreciation (TTM)Rs 20 Cr
Depreciation (latest quarter)Rs 5 Cr
Interest (TTM)Rs 800 Cr
Cost of goods sold (latest year)Rs 2 Cr
Total expenditure (latest year)Rs 400 Cr
Total income (latest year)Rs 1,923 Cr
Share capitalRs 21 Cr
ReservesRs 4,336 Cr
Shareholders' fundsRs 4,357 Cr
Total assetsRs 15,167 Cr
Net blockRs 56 Cr
Capital work in progressRs 0 Cr
InvestmentsRs 812 Cr
ReceivablesRs 8 Cr
Other liabilitiesRs 220 Cr
Shares outstanding (crore)10.43
Ownership
Promoter holding6.98% (-5.45 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 20.2 is at the 3th percentile of its own 5.8-year range
(median 40.3, low 19.1, high 84.3).
P/B 2.70 is at the 1th percentile (median 5.01).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | HOMEFIRST | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -2.7% | -2.8% | +0.0 pts |
| 1 month | -4.8% | -6.8% | +2.0 pts |
| 3 months | -6.6% | -7.6% | +1.0 pts |
| 6 months | +24.4% | +0.4% | +24.0 pts |
| 1 year | -8.4% | -9.9% | +1.6 pts |
| 2 years | -13.2% | -13.6% | +0.4 pts |
| 3 years | +38.8% | +14.2% | +24.6 pts |
| 5 years | +89.0% | +27.9% | +61.1 pts |
90 mutual fund schemes hold about ₹2,786 Cr.
Over three months 53 bought more and 11 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| HDFC Small Cap Fund | 1.69% | 707 | +7% |
| Kotak Mid Cap Fund | 0.62% | 445 | +4% |
| Kotak Small Cap Fund | 0.86% | 169 | +4% |
| Canara Rob Small Cap Fund | 0.97% | 142 | +4% |
| Aditya Birla SL ELSS Tax Saver Fund | 0.79% | 114 | +9% |
| HDFC Banking & Financial Services Fund | 1.71% | 80 | +6% |
| Sundaram Aggressive Hybrid Fund(M | 0.84% | 78 | +6% |
| Mirae Asset Small Cap Fund | 1.31% | 75 | -7% |
| HDFC Balanced Advantage Fund | 0.07% | 72 | +9% |
| HDFC Business Cycle Fund | 2.25% | 62 | +7% |
| Aditya Birla SL Banking & Financial Services Fund | 1.69% | 62 | +10% |
| Aditya Birla SL Large & Mid Cap Fund | 0.83% | 50 | +100% |
| Aditya Birla SL Balanced Advantage Fund | 0.45% | 46 | +100% |
| Mirae Asset Banking and Financial Services Fund | 1.85% | 44 | +7% |
| Aditya Birla SL Multi-Cap Fund | 0.56% | 42 | -3% |
| Invesco India Flexi Cap Fund | 0.66% | 38 | -22% |
| Edelweiss Multi Cap Fund | 0.94% | 33 | +3% |
| Edelweiss Small Cap Fund | 0.43% | 31 | -1% |
| Union Small Cap Fund | 1.10% | 29 | -7% |
| Sundaram Multi Asset Allocation Fund | 0.80% | 27 | +5% |
| Union Small Cap Fund | 1.10% | 27 | -7% |
| ITI Small Cap Fund | 0.71% | 25 | +11% |
| Invesco India Multicap Fund | 0.53% | 24 | +4% |
| Aditya Birla SL Small Cap Fund | 0.37% | 23 | +1% |
| HSBC Small Cap Fund | 0.11% | 21 | +100% |
Red flags
F-score 4 of 8| explain | Weak cash conversion Cash from operations was -492% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 16% of total assets in 2026 |
| look | Share dilution Share count up 16% in a year, 19% in three |
| look | Auditor change Auditor change 2026-06-25: Home First Finance Company India Limited has informed the Exchange regarding Change in Auditors of the company. |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹538 Cr +18.5% vs Jun 2025.
Net profit ₹160 Cr +34.5%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Housing Finance Ltd | 67,709 | 25.0 | 8.85 % |
| Piramal Finance Ltd | 50,343 | 112 | 6.47 % |
| LIC Housing Finance Ltd | 30,171 | 5.26 | 8.59 % |
| PNB Housing Finance Ltd | 28,641 | 12.2 | 9.44 % |
| Aadhar Housing Finance Ltd | 18,960 | 16.4 | 11.4 % |
| Sammaan Capital Ltd | 15,853 | 4.92 % | |
| Aptus Value Housing Finance India Ltd | 11,686 | 11.9 | 15.4 % |
| AAVAS Financiers Ltd | 9,899 | 14.4 | 9.92 % |
| Can Fin Homes Ltd | 9,743 | 8.62 | 9.14 % |
| India Shelter Finance Corporation Ltd | 6,986 | 13.2 | 12.9 % |
| Repco Home Finance Ltd | 2,161 | 4.49 | 10.1 % |
| GIC Housing Finance Ltd | 723 | 4.60 | 7.71 % |
| SRG Housing Finance Ltd | 221 | 6.46 | 11.8 % |
| Reliance Home Finance Ltd | 76 | -432 % | |
| Ind Bank Housing Ltd | 51 | 13.0 | -1.11 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-05-29 | Dividend - Rs 5.20 Per Share | |
| 2025-05-30 | Dividend - Rs 3.70 Per Share | |
| 2024-06-07 | Dividend - Rs 3.40 Per Share | |
| 2023-05-19 | Dividend - Rs 2.60 Per Share |
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Home First Finance Company India Ltd?
Home First Finance Company India Ltd (HOMEFIRST) has a market capitalisation of Rs 11,443 Cr. at the 2026-10-01 close.
What is the P/E ratio of Home First Finance Company India Ltd?
Home First Finance Company India Ltd trades at a P/E of 19.7 on trailing twelve-month profit, at the 2026-10-01 close.
What were Home First Finance Company India Ltd's latest quarterly results?
In the Jun 2026 quarter, Home First Finance Company India Ltd revenue was Rs 538 Cr (+18.5% vs Jun 2025) and net profit was Rs 160 Cr.
What is the 52-week high and low of Home First Finance Company India Ltd?
The 52-week high is Rs 1,317.70 and the 52-week low is Rs 893.70.