Home First Finance Company India Ltd

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Home First Finance Company India Ltd

₹ 1,076 -1.25%
08 Nov 3:17 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[1]
The company is a technology-driven affordable housing finance company with a pan-India presence, focused on first-time homebuyers from families earning below Rs. 50,000 per month. Housing loans account for 83% of AUM with an average ticket size of ~Rs. 12 lakh. The company has a diversified lender base of 31 banks/FIs, positive ALM, no commercial paper exposure, and utilizes data-driven underwriting and proprietary credit scoring models. Its distribution network covers ~80% of India's affordable housing market.

Website BSE NSE
  • Market Cap ₹ 11,256 Cr.
  • Current Price ₹ 1,076
  • High / Low ₹ 1,318 / 894
  • Stock P/E 18.2
  • Book Value ₹ 446
  • Dividend Yield 0.47 %
  • ROCE 11.1 %
  • ROE 15.7 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 40.1% CAGR over last 5 years
  • Company's median sales growth is 39.5% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 6.97%
  • Company might be capitalizing the interest cost
  • Promoter holding has decreased over last 3 years: -23.2%

* 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 Financial Services BSE 250 SmallCap Index BSE 400 MidSmallCap Index

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Quarterly Results

Figures in Rs. Crores

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
273 296 313 336 373 406 415 454 477 482 501 538 567
Interest 117 130 146 157 176 193 190 200 203 194 195 208 225
62 65 58 68 75 81 84 94 99 102 109 118 115
Financing Profit 95 101 109 112 123 132 141 159 176 186 197 211 228
Financing Margin % 35% 34% 35% 33% 33% 33% 34% 35% 37% 39% 39% 39% 40%
5 5 5 5 1 2 2 2 2 1 3 2 0
Depreciation 3 3 3 3 4 4 4 4 5 5 5 5 6
Profit before tax 96 103 111 114 120 130 138 156 173 183 195 208 222
Tax % 23% 23% 25% 23% 23% 25% 24% 24% 24% 23% 23% 23% 23%
74 79 83 88 92 97 105 119 132 140 149 160 170
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 16.28
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%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
39 60 94 145 264 411 489 596 796 1,157 1,539 1,921 2,089
Interest 22 37 54 67 127 194 220 219 308 503 719 796 822
12 16 26 41 75 111 127 143 183 242 303 400 444
Financing Profit 5 7 14 38 63 106 142 234 304 412 517 725 822
Financing Margin % 13% 12% 15% 26% 24% 26% 29% 39% 38% 36% 34% 38% 39%
0 2 0 2 7 9 0 0 0 0 0 2 7
Depreciation 0 0 1 1 5 7 8 8 9 12 16 19 21
Profit before tax 5 9 14 38 65 107 134 226 295 400 502 708 808
Tax % 29% 33% 36% 34% 30% 26% 25% 18% 23% 24% 24% 24%
3 6 9 25 46 80 100 186 228 306 382 540 620
EPS in Rs 2.35 3.20 1.70 4.88 7.22 10.16 11.46 21.24 25.94 34.54 42.43 51.80 59.39
Dividend Payout % 2% 1% 0% 0% 0% 0% 0% 0% 10% 10% 9% 10%
Compounded Sales Growth
10 Years: 42%
5 Years: 31%
3 Years: 34%
TTM: 19%
Compounded Profit Growth
10 Years: 57%
5 Years: 40%
3 Years: 33%
TTM: 37%
Stock Price CAGR
10 Years: %
5 Years: 9%
3 Years: 6%
1 Year: -4%
Return on Equity
10 Years: 14%
5 Years: 15%
3 Years: 16%
Last Year: 16%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 3 4 10 10 13 16 17 18 18 18 18 21 21
Reserves 96 146 298 323 510 918 1,363 1,556 1,800 2,104 2,503 4,336 4,644
Borrowing 255 369 665 1,022 1,926 2,494 3,054 3,467 4,813 7,302 9,551 10,590 12,246
6 78 18 17 33 53 76 76 108 110 140 220 274
Total Liabilities 359 597 990 1,372 2,482 3,480 4,510 5,117 6,739 9,534 12,212 15,167 17,185
1 1 3 5 17 21 17 20 26 30 46 56 57
CWIP 0 0 0 1 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 103 146 375 0 281 379 360 812 672
359 595 988 1,366 2,361 3,314 4,118 5,097 6,432 9,125 11,805 14,298 16,455
Total Assets 359 597 990 1,372 2,482 3,480 4,510 5,117 6,739 9,534 12,212 15,167 17,185

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-823 -223 -807 -1,469 -1,908 -2,196 -1,940
-108 -615 804 -267 -217 -0 -408
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

Ratios

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%

Insights

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
INR Million

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Loan Disbursements
INR Million
Number of Branches
Count
Number of Employees
Count
AUM Share from Top State (Gujarat)
%
Number of Customers
Count
Housing Loan Share of AUM
%

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
23.60% 23.56% 23.45% 23.38% 14.31% 14.25% 12.43% 12.39% 12.35% 6.98% 6.98% 6.97%
24.83% 25.09% 24.73% 25.57% 37.91% 36.00% 37.19% 39.99% 40.82% 45.72% 43.90% 42.44%
11.72% 11.84% 11.96% 12.41% 18.28% 19.82% 21.89% 28.84% 27.61% 27.52% 29.83% 32.94%
39.84% 39.50% 39.85% 38.62% 29.50% 29.93% 28.51% 18.78% 19.23% 19.77% 19.29% 17.64%
No. of Shareholders 78,15276,52675,62578,60486,97288,27686,47185,01083,67082,90581,26175,348

* 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

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Credit ratings

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