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    Financial - Mortgages
Home First Finance Company India Limited

Home First Finance Company India Limited

HOMEFIRST.BO
Home First Finance Company India LimitedIN flagBombay Stock Exchange
1,064.40
INR
-6.35
- -
111.19BMarket Cap
Home First Finance Company India Limited
HOMEFIRST.BO
(Bombay Stock Exchange)

Recent

price

1,064.40

P/E

ratio

- -

div

yld

- -

ROIC.AI

2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
15.04
26.93
43.61
50.36
54.65
78.95
111.02
148.57
- -
162.92
Revenue per Share
1.83
5.23
10.02
12.37
21.26
26.01
34.65
42.83
- -
44.68
Basic EPS, GAAP
-58.46
-91.23
-104.18
-27.86
-92.61
-168.15
-217.13
-247.53
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
2.6
3.38
- -
- -
Dividend per Share
1.18
1.45
17.36
27.18
42.13
62.81
87.61
117.58
- -
- -
Book Value per Share
37.03
59.73
117.47
170.44
179.77
207.03
240.41
282.46
- -
- -
Tangible Book Value per Share
87
87
79
81
88
88
88
89
- -
92
Basic Weighted Avg Shares
1,314
2,354
3,463
4,078
4,784
6,929
9,795
13,255
16,562
15,067
Sales/Revenue/Turnover
20.66
18.05
15.95
26.12
33.37
34.56
29.26
26.81
33
29.06
Operating Margin (%)
25
46
72
76
75
91
117
155
189
165
Depreciation Expense
160
457
796
1,001
1,861
2,283
3,057
3,821
5,404
4,132
Net Income, GAAP
34.09
29.96
25.88
25.29
17.76
22.67
23.56
23.83
23.65
24.12
Effective Tax Rate (%)
12.17
19.43
22.97
24.56
38.9
32.95
31.21
28.83
32.63
27.42
Profit Margin (%)
264
2,905
-1,172
7,333
4,441
2,760
88,717
114,881
137,923
- -
Working Capital
10,199
19,256
19,483
22,347
25,801
37,419
73,021
95,507
105,900
- -
LT Debt
3,242
5,227
9,334
13,805
15,737
18,173
21,215
25,213
43,565
- -
Total Equity
- -
1.57
1.39
2.02
2.77
3.17
2.51
2.36
3.08
- -
Return on Invested Capital (%)
- -
3.15
3.51
3.82
5.72
5.29
4.43
4.04
5.03
8.39
Return on Capital (%)
- -
397.76
105.7
55.95
63.2
49.63
46.17
41.94
43.33
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
95,507
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
90
- -
Market Capitalization
94,008
90,559
127,413

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
115,930
- -
Cash, Cash Equivalents & STI
- -
9,382
- -
Accounts Receivable, Net
- -
55
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
1,050
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,336
2,514
2,670
2,275
9,795
2025
3,062
3,417
3,712
3,802
13,255
2026
4,136
4,489
4,538
- -
16,562

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.85
8.43
8.93
- -
34.65
2025
9.9
10.36
10.9
11.65
42.83
2026
11.69
13.52
14.35
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.6
2025
- -
- -
- -
- -
3.38
2026
- -
- -
- -
- -
- -
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Business
Home First Finance Company India Limited (HomeFirst) is a technology-driven housing finance company focused on affordable housing loans for first-time buyers from low- and middle-income segments in India. Founded in 2010 and headquartered in Mumbai, the company offers a comprehensive suite of loan products including home loans for salaried professionals and self-employed individuals; self-construction loans; resale loans; mortgage loans; shop loans; loans for commercial property purchase; renovation and extension loans; top-up loans; loans against property; home loans for non-resident Indians; and home loans for senior citizens. It operates across 13 states with 361 touchpoints, serving over 117,000 customers primarily earning less than Rs 50,000 monthly, and supports government initiatives like PMAY 2.0 through tailored subsidies and calculators. In April 2025, HomeFirst raised Rs 1,250 crore ($146 million) via a qualified institutional placement from marquee foreign and domestic investors including mutual funds and insurance companies, marking its first equity fundraise since its 2021 initial public offering and bolstering capital for expansion. The company reported robust fiscal year 2025 results with assets under management growing 31% year-on-year to Rs 12,713 crore, profit after tax up 25% to Rs 382 crore, and stable asset quality at 1.7% gross non-performing assets, alongside a long-term credit rating upgrade to ICRA AA (Stable) in November 2025. Its equity shares trade on the Bombay Stock Exchange and National Stock Exchange under the ticker HOMEFIRST.BO.