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Home First Finance

₹1050.1 7.4 | 0.7%

Market Cap ₹9336 Cr.

Stock P/E 30.3

P/B 4.5

Current Price ₹1050.1

Book Value ₹ 234.2

Face Value 2

52W High ₹1092.7

Dividend Yield 0.32%

52W Low ₹ 744

Overview Inc. Year: 2010Industry: Finance - Housing

Home First Finance Company India Ltd operates as a housing finance organisation in India. The organisation offers housing loans for the purchase or construction of houses, loans against property, loans for extension and renovation of home, and loans for purchase of industrial assets. It serves salaried and self-employed customers. The enterprise was founded in 2010 and is centred in Mumbai, India.

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Home First Finance Share Price

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Home First Finance Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 152 156 169 189 205 227 255 273 296 313
Other Income 0 0 0 0 0 4 5 5 5 5
Total Income 152 156 169 189 206 231 260 278 301 318
Total Expenditure 36 37 40 47 48 52 60 62 65 58
Operating Profit 116 119 129 143 158 179 199 216 236 260
Interest Expense 55 54 61 71 80 93 107 117 130 146
Depreciation 2 2 2 2 2 2 3 3 3 3
Profit Before Tax 59 63 66 69 76 84 90 96 103 111
Provision for Tax 13 3 15 15 17 20 21 22 24 27
Profit After Tax 46 60 51 54 59 64 69 74 79 83
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 46 60 51 54 59 64 69 74 79 83
Adjusted Earnings Per Share 5.2 6.9 5.8 6.2 6.7 7.3 7.8 8.4 8.9 9.4

Home First Finance Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Operating Revenue 17 35 60 92 132 260 399 489 596 791 1137 1137
Other Income 3 4 2 0 2 11 21 0 0 5 19 20
Total Income 20 39 62 92 134 271 420 489 596 796 1157 1157
Total Expenditure 8 12 16 26 42 75 111 127 143 183 242 245
Operating Profit 12 27 46 66 93 196 308 362 453 612 915 911
Interest Expense 10 22 37 54 66 127 194 221 219 308 503 500
Depreciation 0 0 0 2 2 5 7 8 8 9 12 12
Profit Before Tax 2 5 9 10 24 65 107 134 226 295 400 400
Provision for Tax -0 1 3 4 8 20 28 34 40 67 94 94
Profit After Tax 3 3 6 7 16 46 80 100 186 228 306 305
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 3 3 6 7 16 46 80 100 186 228 306 305
Adjusted Earnings Per Share 1.8 2.3 3.2 1.3 3.1 7.2 10.2 11.5 21.2 25.9 34.5 34.5

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 44% 32% 34% 52%
Operating Profit CAGR 50% 36% 36% 54%
PAT CAGR 34% 45% 46% 59%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 37% 25% NA% NA%
ROE Average 16% 14% 12% 8%
ROCE Average 11% 10% 10% 9%

Home First Finance Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 99 102 154 306 325 523 933 1381 1574 1817 2121
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 91 214 362 655 1020 1926 2484 3054 3464 4813 7296
Current Liability 25 42 78 30 30 46 76 94 117 197 227
Other Liabilities & Provisions 1 1 5 -1 -5 2 10 11 6 3 4
Total Liabilities 216 359 599 991 1371 2496 3503 4539 5161 6831 9649
Loans 157 302 473 761 1273 1997 2724 3018 3817 5094 6748
Investments 0 0 0 0 0 103 0 0 0 0 0
Fixed Assets 0 1 1 7 10 17 21 17 20 26 30
Other Loans 5 14 35 29 36 138 290 309 488 902 1396
Other Non Current Assets 0 8 0 0 1 0 0 0 0 0 0
Current Assets 52 35 90 195 51 241 468 1196 836 809 1475
Total Assets 216 359 599 991 1371 2496 3503 4539 5161 6831 9649

Home First Finance Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 24 35 29 23 116 23 186 148 209 618 236
Cash Flow from Operating Activities -86 -134 -151 -273 -506 -791 -823 -223 -807 -1469 -1908
Cash Flow from Investing Activities -3 11 8 -14 56 -105 -108 -615 804 -267 -217
Cash Flow from Financing Activities 100 117 190 380 357 1059 893 900 411 1353 2470
Net Cash Inflow / Outflow 11 -6 46 93 -93 163 -38 62 408 -382 345
Closing Cash & Cash Equivalent 35 29 75 116 23 186 148 209 618 236 580

Home First Finance Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 1.78 2.33 3.16 1.29 3.1 7.22 10.16 11.46 21.24 25.94 34.54
CEPS(Rs) 1.87 2.56 3.4 1.6 3.58 7.94 11.08 12.33 22.09 26.97 35.86
DPS(Rs) 0 0.02 0.04 0 0 0 0 0 0 2.6 3.4
Book NAV/Share(Rs) 66.67 68.94 79.77 58.72 61.83 81.86 118.26 156.86 178 203.76 235.27
Net Profit Margin 15.04 9.66 10.07 7.29 12.11 17.59 19.95 20.47 31.24 28.86 26.88
Operating Margin 71.76 76.59 76.92 70.32 68.31 73.79 75.54 72.5 74.76 76.27 79.38
PBT Margin 13.66 13.58 15.13 11.31 18.37 25.11 26.92 27.41 37.99 37.32 35.16
ROA(%) 1.6 1.17 1.25 0.84 1.35 2.36 2.65 2.49 3.84 3.81 3.71
ROE(%) 3.53 3.47 4.84 2.95 5.14 10.92 11.01 8.72 12.7 13.62 15.78
ROCE(%) 7.72 9.41 9.79 8.29 7.8 10.11 10.25 9.02 9.4 10.34 11.25
Price/Earnings(x) 0 0 0 0 0 0 0 39.15 36.22 28.71 26
Price/Book(x) 0 0 0 0 0 0 0 2.86 4.32 3.65 3.82
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0.35 0.38
EV/Net Sales(x) 4.29 6.63 6.08 5.36 7.57 6.72 5.74 12.87 16.01 13.99 12.68
EV/Core EBITDA(x) 5.91 8.56 7.84 7.45 10.79 8.89 7.42 17.38 21.07 18.08 15.77
Interest Earned Growth(%) 178.58 105.96 71.38 53.5 44.24 96.82 53.34 22.69 21.78 32.79 43.8
Net Profit Growth 338.2 32.32 78.54 11.15 139.57 185.85 73.98 25.88 85.83 22.67 33.91
EPS Growth(%) 337.37 31.03 35.74 -59.04 139.52 132.93 40.74 12.78 85.34 22.14 33.16
Interest Coverage(x) % 1.24 1.22 1.24 1.19 1.37 1.52 1.55 1.61 2.03 1.96 1.8

Home First Finance Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 33.62 33.6 33.58 33.57 33.52 33.46 30.21 30.19 23.6 23.56
FII 12.07 10.9 9.49 10.31 9.38 15.69 17.55 17.02 24.8 25.05
DII 40.42 40.48 41.18 6.41 6.52 8.41 10 9.96 11.76 11.89
Public 13.89 15.01 15.75 49.71 50.58 42.44 42.23 42.83 39.84 39.5
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 46% CAGR over last 5 years

Cons

  • Promoter holding is low: 23.56%.
  • Company has a low return on equity of 14% over the last 3 years.
  • Stock is trading at 4.5 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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