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Home First Finance Company India Limited

Home First Finance Company India Limited

HOMEFIRST.NS
Home First Finance Company India LimitedIN flagNational Stock Exchange of India
1,201.70
INR
-8.00
- -
125.61BMarket Cap
Home First Finance Company India Limited
HOMEFIRST.NS
(National Stock Exchange of India)

Recent

price

1,201.70

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
93,950
90,483
127,487

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.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.