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Home First Finance share price

Home First Finance Company India Ltd.

NSE: HOMEFIRST BSE: 543259 SECTOR: Finance - Housing  98k   229   63

999.25
-21.15 (-2.07%)
NSE: Today, 11:54 AM

Price Summary

Today's High

₹ 1029.95

Today's Low

₹ 996.6

52 Week High

₹ 1383.3

52 Week Low

₹ 776.65

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

8961.25 Cr.

Advances

6748.35 Cr.

No. of Shares

8.97 Cr.

P/E

26.18

P/B

3.91

Face Value

₹ 2

Div. Yield

0.34 %

Book Value (TTM)

₹  255.31

Operating Revenue

1137.45 Cr.

Net Profit

305.72 Cr.

Promoter Holding

14.31 %

EPS (TTM)

₹  38.17

Sales Growth

43.8

ROE

15.78 %

ROCE

11.25%

Profit Growth

33.91 %

* 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.
* 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

0.79

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 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 273.33 296.31 312.76 336.42 372.92
Other Income 4.65 4.7 4.99 4.91 1.32
Interest Expended 117.01 130.21 145.87 156.77 175.56
Operating Expenses 61.68 65.05 57.91 67.57 74.7
Total Provisions 0 0 0 0 0
Depreciation 2.85 3.01 3.23 3.46 3.62
Profit Before Tax 96.44 102.74 110.75 113.52 120.36
Tax 22.13 23.92 27.28 25.75 28.13
Net Profit 74.31 78.82 83.47 87.77 92.23
Adjusted EPS (RS) 8.43 8.92 9.43 9.87 10.34

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 - - - -

Ratings & Research Reports

Company Presentations

Company News

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 Company India informs about analyst meet 13 Jun, 10:52 AM Home First Finance Company India informs about alteration of AOA 9 Jun, 9:45 AM Home First Finance Company India submits analyst meet intimation 7 Jun, 12:46 PM Home First Finance Company India informs about analyst meet 2 Jun, 9:56 AM

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 1006.75. 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 1006.75. 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 3.936 . 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 1006.75. 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
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