Sharescart Research Club logo
Products
Research
Tools
About
  • Home
  • /
  • Home First Finance
Join Channel
Consolidated Standalone

Home First Finance

₹1151.8 -22.3 | 1.9%

Market Cap ₹11936 Cr.

Stock P/E 31.2

P/B 3

Current Price ₹1151.8

Book Value ₹ 387.4

Face Value 2

52W High ₹1518.8

Dividend Yield 0.32%

52W Low ₹ 838.7

Edit Ratio

Home First Finance Research see more...

Stocx User

Home First Finance Company India Ltd

Stocx User

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.

Read More..

Home First Finance Share Price

New

₹ | |

Volume
Price

Quarterly Price

Quarterly Monthly
Show Value Show %

Peer Comparison

Home First Finance Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 255 273 296 313 336 373 406 415 454 477
Other Income 5 5 5 5 5 1 2 2 2 2
Total Income 260 278 301 318 341 374 407 416 455 479
Total Expenditure 60 62 65 58 68 75 81 84 94 99
Operating Profit 199 216 236 260 274 300 327 333 361 380
Interest Expense 107 117 130 146 157 176 193 190 200 203
Depreciation 3 3 3 3 3 4 4 4 4 5
Profit Before Tax 90 96 103 111 114 120 130 138 156 173
Provision for Tax 21 22 24 27 26 28 32 33 38 41
Profit After Tax 69 74 79 83 88 92 97 105 119 132
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 69 74 79 83 88 92 97 105 119 132
Adjusted Earnings Per Share 7.8 8.4 8.9 9.4 9.9 10.3 10.9 11.6 11.5 12.7

Home First Finance Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 35 60 92 132 260 399 489 596 791 1137 1530 1752
Other Income 4 2 0 2 11 21 0 0 5 19 9 8
Total Income 39 62 92 134 271 420 489 596 796 1157 1539 1757
Total Expenditure 12 16 26 42 75 111 127 143 183 242 303 358
Operating Profit 27 46 66 93 196 308 362 453 612 915 1236 1401
Interest Expense 22 37 54 66 127 194 221 219 308 503 719 786
Depreciation 0 0 2 2 5 7 8 8 9 12 16 17
Profit Before Tax 5 9 10 24 65 107 134 226 295 400 502 597
Provision for Tax 1 3 4 8 20 28 34 40 67 94 120 144
Profit After Tax 3 6 7 16 46 80 100 186 228 306 382 453
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 3 6 7 16 46 80 100 186 228 306 382 453
Adjusted Earnings Per Share 2.3 3.2 1.3 3.1 7.2 10.2 11.5 21.2 25.9 34.5 42.4 46.7

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 35% 37% 31% 46%
Operating Profit CAGR 35% 40% 32% 47%
PAT CAGR 25% 27% 37% 62%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 9% 19% NA% NA%
ROE Average 17% 15% 14% 10%
ROCE Average 11% 11% 10% 10%

Home First Finance Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 102 154 306 325 523 933 1381 1574 1817 2121 2521
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 214 362 655 1020 1926 2484 3054 3464 4813 7296 9551
Current Liability 42 78 30 30 46 76 94 117 197 227 242
Other Liabilities & Provisions 1 5 -1 -5 2 10 11 6 3 4 12
Total Liabilities 359 599 991 1371 2496 3503 4539 5161 6831 9649 12326
Loans 302 473 761 1273 1997 2724 3018 3817 5094 6748 8735
Investments 0 0 0 0 103 0 0 0 0 0 0
Fixed Assets 1 1 7 10 17 21 17 20 26 30 46
Other Loans 14 35 29 36 138 290 309 488 902 1396 1915
Other Non Current Assets 8 0 0 1 0 0 0 0 0 0 0
Current Assets 35 90 195 51 241 468 1196 836 809 1475 1630
Total Assets 359 599 991 1371 2496 3503 4539 5161 6831 9649 12326

Home First Finance Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 35 29 23 116 23 186 148 209 618 236 580
Cash Flow from Operating Activities -134 -151 -273 -506 -791 -823 -223 -807 -1469 -1908 -2198
Cash Flow from Investing Activities 11 8 -14 56 -105 -108 -615 804 -267 -217 -0
Cash Flow from Financing Activities 117 190 380 357 1059 893 900 411 1353 2470 2217
Net Cash Inflow / Outflow -6 46 93 -93 163 -38 62 408 -382 345 19
Closing Cash & Cash Equivalent 29 75 116 23 186 148 209 618 236 580 599

Home First Finance Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 2.33 3.16 1.29 3.1 7.22 10.16 11.46 21.24 25.94 34.54 42.43
CEPS(Rs) 2.56 3.4 1.6 3.58 7.94 11.08 12.33 22.09 26.97 35.86 44.15
DPS(Rs) 0.02 0.04 0 0 0 0 0 0 2.6 3.4 3.7
Book NAV/Share(Rs) 68.94 79.77 58.72 61.83 81.86 118.26 156.86 178 203.76 235.27 273.58
Net Profit Margin 9.66 10.07 7.29 12.11 17.59 19.95 20.47 31.24 28.86 26.88 24.97
Operating Margin 76.59 76.92 70.32 68.31 73.79 75.54 72.5 74.76 76.27 79.38 79.76
PBT Margin 13.58 15.13 11.31 18.37 25.11 26.92 27.41 37.99 37.32 35.16 32.78
ROA(%) 1.17 1.25 0.84 1.35 2.36 2.65 2.49 3.84 3.81 3.71 3.48
ROE(%) 3.47 4.84 2.95 5.14 10.92 11.01 8.72 12.7 13.62 15.78 16.81
ROCE(%) 9.41 9.79 8.29 7.8 10.11 10.25 9.02 9.4 10.34 11.25 11.35
Price/Earnings(x) 0 0 0 0 0 0 39.15 36.22 28.71 26 23.92
Price/Book(x) 0 0 0 0 0 0 2.86 4.32 3.65 3.82 3.71
Dividend Yield(%) 0 0 0 0 0 0 0 0 0.35 0.38 0.36
EV/Net Sales(x) 6.63 6.08 5.36 7.57 6.72 5.74 12.87 16.01 13.99 12.68 11.6
EV/Core EBITDA(x) 8.56 7.84 7.45 10.79 8.89 7.42 17.38 21.07 18.08 15.77 14.37
Interest Earned Growth(%) 105.96 71.38 53.5 44.24 96.82 53.34 22.69 21.78 32.79 43.8 34.51
Net Profit Growth 32.32 78.54 11.15 139.57 185.85 73.98 25.88 85.83 22.67 33.91 24.97
EPS Growth(%) 31.03 35.74 -59.04 139.52 132.93 40.74 12.78 85.34 22.14 33.16 22.84
Interest Coverage(x) % 1.22 1.24 1.19 1.37 1.52 1.55 1.61 2.03 1.96 1.8 1.7

Home First Finance Shareholding Pattern

# Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Apr 2025 Jun 2025 Sep 2025
Promoter 30.19 23.6 23.56 23.45 23.38 14.31 14.25 12.47 12.43 12.39
FII 17.02 24.8 25.05 24.68 25.52 37.85 35.96 0 37.19 39.99
DII 9.96 11.76 11.89 12.01 12.47 18.34 19.85 57.73 21.89 28.83
Public 42.83 39.84 39.5 39.85 38.62 29.49 29.93 29.8 28.49 18.78
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 36% CAGR over last 5 years

Cons

  • Promoter holding is low: 12.39%.

* 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.

Home First Finance News

Top Unlisted Companies & InstaBuy Companies

Sell or Purchase Share (Tentative Price)

IPO

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

Companies Open Date Close Date Issue Price Cost of 1 Lot Listing Price Listing Gain(%) Current Price Return (%) Type Exchange

View more.....

You May Also Know About

Unlisted Shares Pre-IPO Shares ESOP Shares Delisted Shares

Please Login!

Click to Login
OR
Get free Account

Error!