Home First Finance Company India Ltd

Home First Finan Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Home First Finance Company India Ltd

₹ 1,274 -0.34%
10 Jun 12:37 p.m.
homefirstindia.com BSE: 543259 NSE: HOMEFIRST
About

Home First Finance Company India (HFFC) is a Housing Finance Company which offers home loan with 48 hours sanctions and hassle-free process. [1]

Key Points

Offerings
The company is a technology-driven provider of affordable housing finance, catering to first-time homebuyers from low- and middle-income segments. It primarily serves families earning less than Rs. 50,000 monthly, offering housing loans for home purchases and construction. [1] [2]

Website BSE NSE
  • Market Cap ₹ 13,146 Cr.
  • Current Price ₹ 1,274
  • High / Low ₹ 1,383 / 839
  • Stock P/E 34.4
  • Book Value ₹ 280
  • Dividend Yield 0.29 %
  • ROCE 11.4 %
  • ROE 16.5 %
  • Face Value ₹ 2.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 36.9% CAGR over last 5 years
  • Company's median sales growth is 45.4% of last 10 years

Cons

  • Stock is trading at 4.57 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.84%
  • Promoter holding is low: 12.5%

* 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.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
156 169 189 205 227 255 273 296 313 336 373 406 415
Interest 54 61 71 80 93 107 117 130 146 157 176 193 190
37 40 47 48 52 60 62 65 58 68 75 81 84
Financing Profit 65 68 71 78 82 88 95 101 109 112 123 132 141
Financing Margin % 42% 40% 38% 38% 36% 34% 35% 34% 35% 33% 33% 33% 34%
0 0 0 0 4 5 5 5 5 5 1 2 2
Depreciation 2 2 2 2 2 3 3 3 3 3 4 4 4
Profit before tax 63 66 69 76 84 90 96 103 111 114 120 130 138
Tax % 5% 23% 22% 22% 24% 23% 23% 23% 25% 23% 23% 25% 24%
60 51 54 59 64 69 74 79 83 88 92 97 105
EPS in Rs 6.87 5.84 6.19 6.69 7.27 7.84 8.43 8.92 9.43 9.87 10.34 10.86 11.63
Gross NPA % 2.30% 2.14% 1.90% 1.61% 1.64% 1.70% 1.70% 1.70% 2.90% 1.70% 1.70% 1.70%
Net NPA % 1.80% 1.68% 1.07% 1.14% 1.20% 1.20% 1.20% 1.30% 1.30% 1.30% 1.30%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
20 39 60 94 145 264 411 489 596 796 1,157 1,539
Interest 10 22 37 54 67 127 194 220 219 308 503 719
8 12 16 26 41 75 111 127 143 183 242 303
Financing Profit 2 5 7 14 38 63 106 142 234 304 412 517
Financing Margin % 12% 13% 12% 15% 26% 24% 26% 29% 39% 38% 36% 34%
0 0 2 0 2 7 9 0 0 0 0 0
Depreciation 0 0 0 1 1 5 7 8 8 9 12 16
Profit before tax 2 5 9 14 38 65 107 134 226 295 400 502
Tax % -10% 29% 33% 36% 34% 30% 26% 25% 18% 23% 24% 24%
3 3 6 9 25 46 80 100 186 228 306 382
EPS in Rs 8.87 11.73 16.01 8.50 24.41 36.09 10.16 11.46 21.24 25.94 34.54 42.43
Dividend Payout % 0% 2% 1% 0% 0% 0% 0% 0% 0% 10% 10% 9%
Compounded Sales Growth
10 Years: 44%
5 Years: 30%
3 Years: 37%
TTM: 33%
Compounded Profit Growth
10 Years: 61%
5 Years: 37%
3 Years: 27%
TTM: 25%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 18%
1 Year: 48%
Return on Equity
10 Years: 13%
5 Years: 14%
3 Years: 15%
Last Year: 16%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 3 3 4 10 10 13 16 17 18 18 18 18
Reserves 93 96 146 298 323 510 918 1,363 1,556 1,800 2,104 2,503
Borrowing 117 255 369 665 1,022 1,926 2,494 3,054 3,467 4,813 7,302 9,551
3 6 78 18 17 33 53 76 76 108 110 140
Total Liabilities 216 359 597 990 1,372 2,482 3,480 4,510 5,117 6,739 9,534 12,212
0 1 1 3 5 17 21 17 20 26 30 46
CWIP 0 0 0 0 1 0 0 0 0 0 0 0
Investments 0 0 0 0 0 103 146 375 0 281 379 360
215 359 595 988 1,366 2,361 3,314 4,118 5,097 6,432 9,125 11,805
Total Assets 216 359 597 990 1,372 2,482 3,480 4,510 5,117 6,739 9,534 12,212

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-823 -223 -807 -1,469 -1,908 -2,198
-108 -615 804 -267 -217 -0
893 900 411 1,353 2,470 2,217
Net Cash Flow -38 62 408 -382 345 19

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 4% 3% 5% 4% 8% 11% 11% 9% 13% 13% 16% 16%

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Apr 2025
33.56% 33.53% 33.46% 30.21% 30.19% 23.60% 23.56% 23.45% 23.38% 14.31% 14.25% 12.47%
10.31% 9.37% 15.69% 17.56% 17.02% 24.83% 25.09% 24.73% 25.57% 37.91% 36.00% 36.54%
6.42% 6.51% 8.41% 10.00% 9.96% 11.72% 11.84% 11.96% 12.41% 18.28% 19.82% 21.21%
49.72% 50.58% 42.44% 42.24% 42.83% 39.84% 39.50% 39.85% 38.62% 29.50% 29.93% 29.79%
No. of Shareholders 73,60174,54873,73178,16478,91878,15276,52675,62578,60486,97288,27688,604

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

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