Home First Finance

₹1061.5 32 | 3.1%

WEBSITE BSE:543259 NSE : HOMEFIRST 26 Jul, 16:12

Market Cap ₹9450 Cr.

Stock P/E 29.0

P/B 4.4

Current Price ₹1061.5

Book Value ₹ 243.8

Face Value 2

52W High ₹1195

Dividend Yield 0.32%

52W Low ₹ 777

Edit Ratio

Home First Finance Research see more...

Home First Finance Company India Ltd

Equity Research: Home First Finance Company

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.

Home First Finance Share Price

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Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

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Peer Comparison

Home First Finance Quarterly Results

#(Fig in Cr.)	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Operating Revenue	156	169	189	205	227	255	273	296	313	336
Other Income	0	0	0	0	4	5	5	5	5	5
Total Income	156	169	189	206	231	260	278	301	318	341
Total Expenditure	37	40	47	48	52	60	62	65	58	68
Operating Profit	119	129	143	158	179	199	216	236	260	274
Interest Expense	54	61	71	80	93	107	117	130	146	157
Depreciation	2	2	2	2	2	3	3	3	3	3
Profit Before Tax	63	66	69	76	84	90	96	103	111	114
Provision for Tax	3	15	15	17	20	21	22	24	27	26
Profit After Tax	60	51	54	59	64	69	74	79	83	88
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	60	51	54	59	64	69	74	79	83	88
Adjusted Earnings Per Share	6.9	5.8	6.2	6.7	7.3	7.8	8.4	8.9	9.4	9.9

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	1218
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	1238
Total Expenditure	8	12	16	26	42	75	111	127	143	183	242	253
Operating Profit	12	27	46	66	93	196	308	362	453	612	915	986
Interest Expense	10	22	37	54	66	127	194	221	219	308	503	550
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	424
Provision for Tax	-0	1	3	4	8	20	28	34	40	67	94	99
Profit After Tax	3	3	6	7	16	46	80	100	186	228	306	324
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	324
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	36.6

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	26%	24%	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

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	33.6	33.58	33.57	33.52	33.46	30.21	30.19	23.6	23.56	23.45
FII	10.9	9.49	10.31	9.38	15.69	17.55	17.02	24.8	25.05	24.68
DII	40.48	41.18	6.41	6.52	8.41	10	9.96	11.76	11.89	12.01
Public	15.01	15.75	49.71	50.58	42.44	42.23	42.83	39.84	39.5	39.85
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	2.94	2.94	2.94	2.94	2.94	2.66	2.66	2.09	2.09	2.09
FII	0.96	0.83	0.9	0.82	1.38	1.55	1.5	2.19	2.22	2.19
DII	3.55	3.61	0.56	0.57	0.74	0.88	0.88	1.04	1.05	1.07
Public	1.32	1.38	4.36	4.44	3.74	3.72	3.78	3.52	3.5	3.54
Others	0	0	0	0	0	0	0	0	0	0
Total	8.76	8.77	8.77	8.78	8.8	8.81	8.82	8.84	8.85	8.89

Pros

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

Cons

Promoter holding is low: 23.45%.
Company has a low return on equity of 14% over the last 3 years.
Stock is trading at 4.4 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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Home First Finance

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Home First Finance Research see more...

Overview Inc. Year: 2010Industry: Finance - Housing

Home First Finance Share Price

Alert Data

Quarterly Price

Peer Comparison

Home First Finance Quarterly Results

Home First Finance Profit & Loss

Growth Rates

Home First Finance Balance Sheet

Home First Finance Cash Flow

Home First Finance Ratios

Home First Finance Shareholding Pattern

Home First Finance News

Top Unlisted Companies & InstaBuy Companies

Motilal Oswal

Motilal Oswal

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