Home First Finance
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Home First Finance share price

Home First Finance Company India Ltd.

NSE: HOMEFIRST BSE: 543259 SECTOR: Finance - Housing  100k   240   76

933.90
+1.95 (0.21%)
BSE: 21 Feb 04:01 PM

Price Summary

Today's High

₹ 952.6

Today's Low

₹ 930.15

52 Week High

₹ 1383.05

52 Week Low

₹ 777

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 8388.88 Cr.

Advances

₹ 6748.35 Cr.

No. of Shares

8.98 Cr.

P/E

23.25

P/B

3.51

Face Value

₹ 2

Div. Yield

0.36 %

Book Value (TTM)

₹  265.74

Operating Revenue

₹ 1137.45 Cr.

Net Profit

₹ 305.72 Cr.

Promoter Holding

14.31 %

EPS (TTM)

₹  40.17

Sales Growth

43.8

ROE

15.78 %

ROCE

11.25%

Profit Growth

33.91 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year43.8%
3 Year32.49%
5 Year34.34%

Profit Growth

1 Year33.91%
3 Year45.07%
5 Year46.23%

ROE%

1 Year15.78%
3 Year14.03%
5 Year12.37%

ROCE %

1 Year11.25%
3 Year10.33%
5 Year10.05%

ROA%

3.7101

PEG Ratio

0.7

PAT Margin (%)

26.8775

EPS Growth(%)

33.158

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2024 14.31 0.00
Sep 2024 23.38 0.00
Jun 2024 23.45 0.00
Mar 2024 23.56 0.00
Dec 2023 23.60 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.78475100973958% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 32.4863571919463%.
  • The company has delivered substantial profit growth of 45.0667148301495% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 30.7721631546437%.

 Limitations

  • Provision and contingencies have increased by 23.3750545283715%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Operating Revenue 296.31 312.76 336.42 372.92 405.95
Other Income 4.7 4.99 4.91 1.32 1.5
Interest Expended 130.21 145.87 156.77 175.56 192.63
Operating Expenses 65.05 57.91 67.57 74.7 80.88
Total Provisions 0 0 0 0 0
Depreciation 3.01 3.23 3.46 3.62 4.12
Profit Before Tax 102.74 110.75 113.52 120.36 129.82
Tax 23.92 27.28 25.75 28.13 32.43
Net Profit 78.82 83.47 87.77 92.23 97.38
Adjusted EPS (RS) 8.92 9.43 9.87 10.34 10.86

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 398.66 489.12 595.67 790.99 1137.45
Other Income 21.02 0.04 0.03 4.61 19.1
Interest 193.83 220.59 219.01 308.06 502.96
Operating Expenses 97.51 98.02 120.36 162.84 216.98
Total Provisions 21 36.51 30.04 29.48 36.65
Exceptional Items 0 0 0 0 0
Profit Before Tax 107.33 134.04 226.3 295.22 399.96
Tax 27.78 33.9 40.2 66.93 94.24
Profit After Tax 79.55 100.14 186.1 228.29 305.72
Adjusted EPS (Rs.) 10.16 11.46 21.24 25.94 34.54

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 15.66 17.48 17.53 17.6 17.7
Total Reserves 917.77 1363.06 1556.16 1799.74 2103.78
Borrowings 2483.8 3053.69 3464.29 4813.47 7296.31
Other N/C liabilities 9.75 11.19 6.28 3.12 4.26
Current liabilities 76.42 93.96 116.93 197.26 226.95
Total Liabilities 3503.4 4539.38 5161.17 6831.19 9649
Assets
Loans 2723.99 3017.53 3817.13 5093.94 6748.35
Net Block 21 16.67 20.23 25.73 30.03
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0.05 0.18
Investments 0 0 0 0 0
Other Loans 290.44 309.39 487.97 902.44 1395.61
Other N/C Assets 0 0 0 0 0
Current Assets 467.97 1195.79 835.85 809.04 1474.83
Total Assets 3503.4 4539.38 5161.17 6831.19 9649
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
promoters 23.60 23.56 23.45 23.38 14.31
aether (mauritius) limite... 9.40 9.38 9.34 9.31 5.68
true north fund v llp 14.20 14.18 14.11 14.07 8.63
PARTICULARS Dec 2023% Mar 2024% Jun 2024% Sep 2024% Dec 2024%
investors 76.40 76.44 76.55 76.62 85.69
aditya birla sun life tru... 1.27 1.27 1.15 1.08 1.36
edelweiss trusteeship co ... - - - - 2.18
fidelity global investmen... 1.32 1.42 1.60 1.60 1.18
goldman sachs funds - gol... 2.21 2.32 2.25 2.29 3.28
government pension fund g... 3.27 3.27 3.53 3.67 6.25
hdfc mutual fund - hdfc b... - - - - 4.05
invesco india esg integra... - - - - 2.78
manoj viswanathan - - - - 1.01
orange clove investments ... 23.11 23.07 22.97 22.90 12.24
smallcap world fund, inc 2.71 2.71 2.69 2.69 5.59
universal trustees privat... 1.51 1.49 1.47 1.40 1.38
edelweiss nifty smallcap ... - - - 1.57 -
invesco india aggressive ... - - - 2.71 -
sbi nifty smallcap 250 in... - - - 1.05 -
edelweiss trusteeship co ... - - 1.46 - -
invesco india elss tax sa... - 3.22 2.62 - -
kuwait investment authori... 1.26 1.04 1.04 - -
thornburg developing worl... - - 1.02 - -
invesco india equity and ... 3.04 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Home First Finance - Quaterly Results 28 Jan, 7:23 PM Home First Finance - Quaterly Results 28 Jan, 7:23 PM Home First Finance Company India informs about disclosure 24 Jan, 3:01 PM Home First Finance Company informs about disclosure 23 Jan, 12:07 PM Home First Finance Company India informs about trading window closure 30 Dec, 2:50 PM Home First Finance gets ESG Score of 45 out of 100 from S&P Global 30 Dec, 11:39 AM Home First Finance Company India informs about allotment of equity shares 17 Dec, 10:20 AM Home First Finance Company India informs about investor meet 11 Dec, 10:27 AM Home First Finance Company India informs about disclosure 5 Dec, 10:26 AM Home First Finance Company India informs about disclosure 4 Dec, 12:11 PM Home First Finance Co India informs about disclosure 4 Dec, 11:56 AM Home First Finance - Quaterly Results 24 Oct, 4:40 PM Home First Finance - Quaterly Results 24 Oct, 4:40 PM Home First Finance - Quaterly Results 24 Oct, 4:40 PM Home First Finance Company India submits analyst meet intimation 23 Aug, 4:49 PM Home First Finance Company India informs about analyst meet 30 Jul, 5:09 PM Home First Finance - Quaterly Results 25 Jul, 4:13 PM Home First Finance - Quaterly Results 25 Jul, 4:13 PM Home First Finance - Quaterly Results 25 Jul, 4:13 PM Home First Finance Company India informs about board meeting 19 Jul, 2:52 PM Home First Finance Company India informs about disclosure 27 May, 4:23 PM Home First Finance Company India informs about outcome of board meeting 27 May, 3:09 PM Home First Finance Company India informs about compliance report 20 May, 9:47 AM Home First Finance achieves Rs 10,000 crore AUM 16 May, 10:21 AM Home First Finance - Quaterly Results 8 May, 5:19 PM Home First Finance - Quaterly Results 8 May, 5:19 PM Home First Finance - Quaterly Results 8 May, 5:19 PM Home First Finance Company India informs about grant of stock options 8 May, 12:25 PM Home First Finance gets corporate agent license from IRDAI 22 Feb, 11:21 AM Home First Finance Company India informs about press release 19 Jan, 3:09 PM Home First Finance Company India informs about outcome of board meeting 18 Jan, 5:00 PM Home First Finance - Quaterly Results 18 Jan, 4:41 PM Home First Finance - Quaterly Results 18 Jan, 4:41 PM Home First Finance - Quaterly Results 18 Jan, 4:41 PM Home First Finance Company India submits board meeting intimation 11 Jan, 1:01 PM Three entities divest stake in Home First Finance Company 24 Nov, 11:10 AM Home First Finance Company India submits analyst meet intimation 16 Nov, 4:59 PM Home First Finance Company India informs about analyst meet 16 Nov, 2:46 PM Home First Finance - Quaterly Results 26 Oct, 5:36 PM Home First Finance - Quaterly Results 26 Oct, 5:36 PM Home First Finance - Quaterly Results 26 Oct, 5:36 PM Home First Finance Company India informs about institutional investor meeting 22 Sep, 12:56 PM Home First Finance - Quaterly Results 27 Jul, 4:25 PM Home First Finance - Quaterly Results 27 Jul, 4:25 PM Home First Finance - Quaterly Results 27 Jul, 4:25 PM Home First Finance Company India informs about analyst meet 21 Jul, 2:47 PM Home First Finance Company India informs about analyst meet 22 Jun, 3:19 PM Home First Finance Company India informs about investor meeting 22 Jun, 2:12 PM Home First Finance Company India submits investor presentation 19 Jun, 2:45 PM Home First Finance Company India informs about analyst meet 15 Jun, 2:58 PM

Home First Finance Stock Price Analysis and Quick Research Report. Is Home First Finance an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Home First Finance stock price today is Rs 933.65. To understand the functions of the Home First Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 305.717 Cr and the compounded growth of profit in the past 3 years is 45.0661751488068 %. The PAT margin of Home First Finance is 26.8775 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Home First Finance , the EPS grew by 33.158 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Home First Finance has a average ROE track record. The ROE of Home First Finance is at 15.7756 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Home First Finance is worth at the current levels at Rs 933.65. Home First Finance is trading at a current P/E ratio of 25.9972 and the average historical P/E for the last 5 years was 26.0152128995174.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Home First Finance is trading at a P/B of 3.5071 . The average historical P/B for the last 5 years was 2.93036983622888. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Home First Finance is Rs 933.65. One can use valuation calculators of ticker to know if Home First Finance share price is undervalued or overvalued.

Last Updated on:
Brief about Home First Finance

Home First Finance Company India Ltd. Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis

Home First Finance Company India Ltd. is a leading provider of housing finance in India. For long-term investors seeking the best stock analysis options, evaluating the company's financial performance is crucial. Our Home First Finance Company India Ltd. stock analysis page provides reliable information and in-depth analysis on critical areas such as share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders.

Home First Finance Company India Ltd. Share Price:

For long-term investors seeking the best stock analysis options, evaluating Home First Finance Company India Ltd.'s share price performance is essential. Our pre-built screening tool helps investors compare the company's stock price to industry peers, enabling them to evaluate its performance over the long-term. By analyzing share price trends over time, investors can identify potential opportunities. A stock's share price is determined by a range of factors such as market sentiment, financial performance, and general economic conditions.

Home First Finance Company India Ltd. Balance Sheet:

Analyzing Home First Finance Company India Ltd.'s extensive balance sheet provides investors with valuable insights into the company's financial health and potential growth opportunities. Our screening tool enables investors to evaluate the company's liquidity, debt levels, and other critical indicators such as the current ratio and quick ratio. By comparing these indicators with industry peers, investors can identify potential investment opportunities that align with their long-term growth strategies.

Home First Finance Company India Ltd. Annual Report:

Home First Finance Company India Ltd.'s annual report provides investors with critical information about the company's financial performance and potential growth opportunities. Ticker provides investors with access to the company's annual reports, enabling them to conduct a comprehensive analysis using our premium feature tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis. These features help investors gain valuable insights into the company's performance and make informed investment decisions.

Home First Finance Company India Ltd. Dividend:

Understanding Home First Finance Company India Ltd.'s dividend payout history and consistency is crucial for long-term investors seeking stable investment returns. Our stock analysis page provides investors with information on the company's dividend payout history, enabling them to compare payout trends to industry peers. By analyzing dividend payout trends over time, investors can identify potential investment opportunities aligned with their long-term growth strategies.

Home First Finance Company India Ltd. Quarterly Result:

Analyzing Home First Finance Company India Ltd.'s quarterly results provides investors with valuable insights into the company's financial performance and potential growth opportunities. Our analysis page provides investors with access to the company's quarterly results as downloadable documents. Using these documents in combination with our premium feature tools like DCF Analysis and Earnings Multiple Approach, investors can analyze the information provided in the transcripts comprehensively and gain valuable insights into the company's performance. This enables investors to make informed decisions about their long-term investment strategies.

Home First Finance Company India Ltd. Stock Price:

Home First Finance Company India Ltd.'s stock price performance is a crucial factor for long-term investors seeking the best stock analysis options. Our analysis page offers real-time information on the company's stock price trends over time, enabling investors to evaluate the company's performance. Using our pre-built screening tool, investors can compare the company's share price performance to industry peers and identify potential investment opportunities based on their long-term growth strategies. Our website provides pre-built screening tools to help investors analyze stock prices and performance.

Home First Finance Company India Ltd. Price Chart:

Our analysis page offers a graphical representation of Home First Finance Company India Ltd.'s stock price trends over time, providing investors with valuable insights into potential investment opportunities. By analyzing these trends using our pre-built screening tools and premium feature tools such as DCF Analysis, BVPS Analysis, Earnings multiple approaches, and DuPont analysis, investors can make informed long-term investment decisions.

Home First Finance Company India Ltd. News:

Staying up-to-date with the latest news and developments about Home First Finance Company India Ltd. is essential for long-term investors. Our stock analysis page provides timely news articles and events, enabling investors to stay informed about the company's financial performance and potential growth opportunities. By tracking both local and international news, investors can gain valuable insights into the company's market performance and potential as a long-term investment opportunity.

Home First Finance Company India Ltd. Concall Transcripts:

Analyzing Home First Finance Company India Ltd.'s concall transcripts provides investors with valuable insights into the company's future guidance, strategic initiatives, and financial performance. Our analysis page provides investors with access to the company's concall transcripts as downloadable documents. By using our premium feature tools like DCF analysis and Earnings Multiple Approach, investors can analyze the information provided in the transcripts comprehensively and gain valuable insights into the company's performance. This enables investors to make informed decisions about their long-term investment strategies.

Home First Finance Company India Ltd. Investor Presentation:

Home First Finance Company India Ltd.'s investor presentations offer valuable insights into the company's growth potential as a long-term investment opportunity. Our stock analysis page provides investors with access to the company's investor presentations as downloadable documents, enabling them to conduct a comprehensive analysis using our premium feature tools like BVPS Analysis and DuPont Analysis. By utilizing these tools, investors can gain valuable insights into the company's performance and identify potential investment opportunities aligned with their long-term growth strategies.

Home First Finance Company India Ltd. Promoter and Shareholder Analysis:

Understanding Home First Finance Company India Ltd.'s promoters and shareholders is critical for long-term investors. Our analysis page provides information on the company's promoters and shareholders, enabling investors to make informed decisions about their investments. Additionally, our pre-built screening tool analyzes the company's shareholding patterns and provides valuable insights into the company's potential for growth. By using these tools and analyzing the information provided about the company's promoters and shareholders, investors can make informed long-term investment decisions.  

Home First Finance Company India Balance Sheet Overview

Home First Finance Company India Reserves and Equity Growth

Home First Finance Company India's balance sheet reflects a robust growth in total reserves, increasing from Rs Cr. 917.77 in March 2020 to Rs Cr. 2,103.78 by March 2024. The share capital also rose modestly from Rs Cr. 15.66 to Rs Cr. 17.70 over the same period, evidencing solid equity growth and investor confidence.

Home First Finance Company India Debt Analysis

The company has experienced a significant rise in borrowings, jumping from Rs Cr. 2,483.80 in March 2020 to Rs Cr. 7,296.31 by March 2024. This substantial increment in borrowings points towards an aggressive expansion strategy, potentially fueling further growth.

Home First Finance Company India Asset Expansion

Home First Finance Company India's total assets closely match its liabilities, scaling up from Rs Cr. 3,503.40 in March 2020 to Rs Cr. 9,649 by March 2024. A significant portion involves loans, which spiked from Rs Cr. 2,723.99 to Rs Cr. 6,748.35, indicative of the company's primary business operations.

Home First Finance Company India Current Asset Growth

Current assets saw fluctuations but ultimately expanded from Rs Cr. 467.97 to Rs Cr. 1,474.83 over the four-year period, suggesting improvements in liquidity management.

This data summarizes the Standalone Balance Sheet of Home First Finance Company India, aiding stakeholders in making informed decisions. Such insights are particularly valuable for those tracking performance indices on platforms like NSE or BSE for sector-specific strategies.

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