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  3. •

    Finance/Rental/Leasing
Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

1,022.40
INR
-15.75
(-1.52%)
54.26EPS
20.71P/E
118.88BMarket Cap
Oct 27Next Earn
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
15.04
26.93
43.61
50.36
54.65
78.95
111.02
148.57
160.44
174.1
Basic EPS, GAAP
1.83
5.23
10.02
12.37
21.26
26.01
34.65
42.83
52.35
54.92
Free Cash Flow per Basic Share
-58.46
-91.23
-104.18
-27.86
-92.61
-168.15
-217.13
-247.53
-188.84
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
2.6
3.38
3.7
- -
Book Value per Share
37.1
59.81
106.82
157.96
179.58
206.48
239.67
279.97
417.58
- -
Tangible Book Value per Share
37.03
59.73
106.76
157.93
179.55
206.43
239.63
279.82
417.43
- -
Basic Weighted Avg Shares
87
87
79
81
88
88
88
89
103
103
Sales/Revenue/Turnover
1,314
2,354
3,463
4,078
4,784
6,929
9,795
13,255
16,562
18,017
Operating Margin (%)
20.66
18.05
15.95
26.12
33.37
34.56
29.26
26.81
33
34.68
Depreciation Expense
25
46
72
76
75
91
117
155
189
197
Net Income, GAAP
160
457
796
1,001
1,861
2,283
3,057
3,821
5,404
5,684
Effective Tax Rate (%)
34.09
29.96
25.88
25.29
17.76
22.67
23.56
23.83
23.65
23.41
Profit Margin (%)
12.17
19.43
22.97
24.56
38.9
32.95
31.21
28.83
32.63
31.55
Working Capital
264
2,905
-1,172
7,333
4,441
2,760
88,717
114,881
137,923
- -
LT Debt
10,199
19,256
19,483
22,347
25,801
37,419
73,021
95,507
105,900
- -
Total Equity
3,242
5,227
9,334
13,805
15,737
18,173
21,215
25,213
43,565
- -
Return on Invested Capital (%)
- -
2.09
1.91
2.25
3.51
3.39
2.83
2.77
3.4
- -
Return on Capital (%)
- -
2.47
2.73
2.87
4.3
4.17
3.76
3.54
4.22
- -
Return on Common Equity (%)
- -
10.8
10.93
8.66
12.6
13.46
15.52
16.46
15.71
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
105,900
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
104
104
105
Market Capitalization
114,523
94,182
118,877

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
139,821
- -
Cash, Cash Equivalents & STI
- -
8,410
- -
Accounts Receivable, Net
- -
78
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
1,898
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
27.57%
72.79%
Free Cash Flow
- -
74.95%
-11.73%
Net Income, GAAP
- -
41.76%
41.44%
Sales/Revenue/Turnover
- -
32.76%
24.95%
Total Cash Common Dividend
- -
- -
26.7%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
3,062
3,417
3,712
3,802
13,255
2026
4,136
- -
4,489
4,538
16,562
2027
4,854
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
9.9
10.36
10.9
11.65
42.83
2026
11.69
- -
13.52
14.35
52.35
2027
15.31
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
3.38
2026
- -
- -
- -
- -
3.7
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Manoj Viswanathan
Full Time Employees
1,855
Sector
Finance
Industry
Finance/Rental/Leasing
Address
511, Acme Plaza Mumbai MH India 400059
IPO Date
Feb 3, 2021
Website
homefirstindia.com
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Business
Home First Finance Company India Limited (HOMEFIRST.NS) is a technology-driven housing finance company specializing in affordable housing loans for first-time homebuyers from low- and middle-income segments in India. Founded in 2010 and headquartered in Mumbai, the company offers a range of retail loan products including home loans, self-construction loans, resale loans, mortgage loans, shop loans, renovation loans, and top-up loans; it primarily serves salaried and self-employed customers with monthly household incomes below Rs 60,000, with approximately 68% of its assets under management in salaried borrower loans and 85% in home loans versus 15% in loans against property. Home First operates through a network of over 155 branches across 13 states, with key markets in Gujarat (29% of AUM), Maharashtra (14%), and Tamil Nadu (13%), alongside expansion into Andhra Pradesh, Uttar Pradesh, Madhya Pradesh, and Rajasthan. In recent developments, the company raised Rs 1,250 crore through a qualified institutional placement in April 2025 to strengthen its capital position, reducing gearing to 2.6x; Warburg Pincus exited its stake in August 2025 via open market transactions, while the Government Pension Fund Global increased its holding to over 5% in November 2025; it also expanded its branch network and employee base in FY25, disbursing Rs 4,805 crore in loans to more than 20,000 families, with AUM reaching Rs 12,713 crore as of March 31, 2025.