HOMEFIRST
Home First Finance Company India Limited (HOMEFIRST) Stock Analysis
Home First Finance Company India Limited is a housing finance company focused on affordable home loans and informal-income borrowers. It lends for purchase, construction, and renovation, often in tier-2 and tier-3 cities. Technology supports underwriting, servicing, and collections in its niche. It is a listed Indian HFC.
Financial Services › Mortgage Finance
₹1,099.80
+2.15% 1W | -9.00% 52W
Market Cap
11.5k CR
P/E Ratio
19.9
52W High
₹1317.7
52W Low
₹893.7
Div. Yield
0.47%
Beta
0.6
50 DMA
₹1167.2
200 DMA
₹1128.9
Profit Margin
51.4%
Inst. Own.
67%
⚠️ BREAKDOWN
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 255 | 273 | 296 | 313 | 336 | 373 | 406 | 415 | 454 | 477 | 482 | 501 | 538 |
| Interest | 107 | 117 | 130 | 146 | 157 | 176 | 193 | 190 | 200 | 203 | 194 | 195 | 208 |
| Expenses | 60 | 62 | 65 | 58 | 68 | 75 | 81 | 84 | 94 | 99 | 102 | 109 | 118 |
| Financing Profit | 88 | 95 | 101 | 109 | 112 | 123 | 132 | 141 | 159 | 176 | 186 | 197 | 211 |
| Financing Margin % | 34% | 35% | 34% | 35% | 33% | 33% | 33% | 34% | 35% | 37% | 39% | 39% | 39% |
| Other Income | 5 | 5 | 5 | 5 | 5 | 1 | 2 | 2 | 2 | 2 | 1 | 3 | 2 |
| Depreciation | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 |
| Profit before tax | 90 | 96 | 103 | 111 | 114 | 120 | 130 | 138 | 156 | 173 | 183 | 195 | 208 |
| Tax % | 23% | 23% | 23% | 25% | 23% | 23% | 25% | 24% | 24% | 24% | 23% | 23% | 23% |
| Net Profit | 69 | 74 | 79 | 83 | 88 | 92 | 97 | 105 | 119 | 132 | 140 | 149 | 160 |
| EPS in Rs | 7.84 | 8.43 | 8.92 | 9.43 | 9.87 | 10.34 | 10.86 | 11.63 | 11.52 | 12.73 | 13.49 | 14.33 | 15.29 |
| Gross NPA % | 1.64% | 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 % | 1.14% | 1.20% | 1.20% | 1.20% | 1.30% | 1.30% | 1.30% | 1.30% | 1.40% | 1.50% | 1.60% | 1.40% | 1.40% |
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 39 | 60 | 94 | 145 | 264 | 411 | 489 | 596 | 796 | 1,157 | 1,539 | 1,921 | 1,999 |
| Interest | 22 | 37 | 54 | 67 | 127 | 194 | 220 | 219 | 308 | 503 | 719 | 796 | 800 |
| Expenses | 12 | 16 | 26 | 41 | 75 | 111 | 127 | 143 | 183 | 242 | 303 | 400 | 428 |
| Financing Profit | 5 | 7 | 14 | 38 | 63 | 106 | 142 | 234 | 304 | 412 | 517 | 725 | 770 |
| Financing Margin % | 13% | 12% | 15% | 26% | 24% | 26% | 29% | 39% | 38% | 36% | 34% | 38% | 39% |
| Other Income | 0 | 2 | 0 | 2 | 7 | 9 | 0 | 0 | 0 | 0 | 0 | 2 | 8 |
| Depreciation | 0 | 0 | 1 | 1 | 5 | 7 | 8 | 8 | 9 | 12 | 16 | 19 | 20 |
| Profit before tax | 5 | 9 | 14 | 38 | 65 | 107 | 134 | 226 | 295 | 400 | 502 | 708 | 759 |
| Tax % | 29% | 33% | 36% | 34% | 30% | 26% | 25% | 18% | 23% | 24% | 24% | 24% | |
| Net Profit | 3 | 6 | 9 | 25 | 46 | 80 | 100 | 186 | 228 | 306 | 382 | 540 | 581 |
| 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 | 55.84 |
| Dividend Payout % | 2% | 1% | 0% | 0% | 0% | 0% | 0% | 0% | 10% | 10% | 9% | 10% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 34.0% | 31.0% | 42.0% |
| Profit CAGR | 33.0% | 40.0% | 57.0% |
Shareholding Pattern
Promoters12.43%
FIIs37.19%
DIIs21.89%
Public28.51%
Promoters12.39%
FIIs39.99%
DIIs28.84%
Public18.78%
Promoters12.35%
FIIs40.82%
DIIs27.61%
Public19.23%
Promoters6.98%
FIIs45.72%
DIIs27.52%
Public19.77%
Promoters6.98%
FIIs43.90%
DIIs29.83%
Public19.29%
Promoters33.46%
FIIs15.69%
DIIs8.41%
Public42.44%
Promoters23.56%
FIIs25.09%
DIIs11.84%
Public39.50%
Promoters14.25%
FIIs36.00%
DIIs19.82%
Public29.93%
Promoters6.98%
FIIs45.72%
DIIs27.52%
Public19.77%
Promoters6.98%
FIIs43.90%
DIIs29.83%
Public19.29%
HOMEFIRST
Holdings Analysis
Key strengths & risk signals
64
Overall
70
Fundamental
58
Technical
Risks (4)
VERY HIGH DEBT! D/E of 3.79 - significant risk.
WEAK POSITION! Current price (1099.8) is below both moving averages.
WEAK YEAR! Stock declined 9.0% in the last year.
WEAK MOMENTUM! Limited price growth - 2.1% (1 week), -6.5% (1 month), -11.4% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 51.4% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1167.2) is above 200-day average (1128.9) - positive signal.
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 248,080 vs down days: 222,808. Ratio: 1.11x
Fundamental & Technical Analysis
64Overall
70Fundamental
58Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 33.7% (EXCELLENT, 15/15). Profit CAGR: 33.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 51.4% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.60 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.47% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.79 - significant risk.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 42.24% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (1167.2) is above 200-day average (1128.9) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (1099.8) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
3/10
WEAK YEAR! Stock declined 9.0% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 248,080 vs down days: 222,808. Ratio: 1.11x
RSI
3/5
NEUTRAL! RSI at 42.6 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 48.6% of 52W range - neutral zone.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 2.1% (1 week), -6.5% (1 month), -11.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.60 - stable stock, less market risk.
HOMEFIRST
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-04 | Concall PDF | |
| Q4FY262026-05-12 | Concall PDF | |
| Q2FY262026-01-30 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
Data from TradeAlone · Updated daily
HOMEFIRST News
Home First Finance Company India Limited Q2fy27: Disbursements Hit ₹1,705 Cr, PAT Up 29.1%2026-10-27Home First Finance Company India Limited (homefirst) Q1fy27: AUM Grows 25.7%, Disbursements Hit ₹1,628 Cr2026-07-27Home First Finance Company India Limited (HOMEFIRST) moves up 5% intraday, clears resistance at ₹11662026-07-01Home First Finance Company India Limited Sees Strong Q4fy26 Growth2026-05-06
