Home First Finance Company India Ltd. (IN:HOMEFIRST)
:HOMEFIRST
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Home First Finance Company India Ltd.
(HOMEFIRST)
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Rating:59Neutral
Price Target:
₹1,160.00
▲(6.08% Upside)
Action:Reiterated
Date:06/13/26
The score is supported by strong revenue growth and durable profitability, but held back by leverage and a historically volatile cash-flow record. Technical indicators are currently bearish/weak, and valuation is acceptable but not boosted by dividend yield.
Positive Factors
Sustained high revenue growth
Consistent, rapid top-line growth over multiple years indicates durable demand in the affordable first-time homebuyer segment and effective origination/distribution. A growing loan book supports net interest income expansion and provides a structural revenue runway over the next 2–6 months and beyond.
Negative Factors
Elevated and volatile leverage
High and historically volatile leverage increases sensitivity to rate moves and funding stress, constraining capital flexibility. Continued reliance on rising debt to fund asset growth raises refinancing and liquidity risk, which can pressure margins and limit strategic options in adverse conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained high revenue growth
Consistent, rapid top-line growth over multiple years indicates durable demand in the affordable first-time homebuyer segment and effective origination/distribution. A growing loan book supports net interest income expansion and provides a structural revenue runway over the next 2–6 months and beyond.
Read all positive factors
Home First Finance Company India Ltd. (HOMEFIRST) vs. iShares MSCI India ETF (INDA)
Market Cap
₹119.78B
Dividend Yield0.33%
Average Volume (3M)7.04K
Price to Earnings (P/E)22.1
Beta (1Y)1.38
Revenue Growth24.92%
EPS Growth22.21%
CountryIN
Employees1,249
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)47.00
Shares Outstanding104,458,480
10 Day Avg. Volume5,776
30 Day Avg. Volume7,043
Financial Highlights & Ratios
PEG Ratio0.78
Price to Book (P/B)2.14
Price to Sales (P/S)4.86
P/FCF Ratio15.04
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)63.55
Revenue Forecast (FY)₹13.73B
Home First Finance Company India Ltd. Business Overview & Revenue Model
Company Description
Home First Finance Company India Limited operates as a specialized financial institution in India, primarily dedicated to providing housing finance. The company extends a range of lending options, including mortgages for the purchase or constructi...
How the Company Makes Money
HOMEFIRST makes money primarily through net interest income earned on its loan portfolio. It raises funds (liabilities) through a mix of borrowings such as bank loans, refinancing lines (including from housing finance–focused institutions), market...
Home First Finance Company India Ltd. Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
62
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.70B | 19.23B | 13.25B | 9.80B | 6.93B | 4.78B |
| Gross Profit | 6.84B | 10.93B | 4.88B | 3.93B | 3.21B | 2.13B |
| EBITDA | 6.87B | 7.27B | 5.48B | 4.42B | 3.23B | 2.55B |
| Net Income | 4.53B | 5.40B | 3.82B | 3.06B | 2.28B | 1.86B |
Balance Sheet | ||||||
| Total Assets | 138.11B | 151.67B | 122.12B | 95.34B | 67.37B | 51.17B |
| Cash, Cash Equivalents and Short-Term Investments | 7.99B | 8.41B | 9.38B | 8.22B | 5.80B | 6.61B |
| Total Debt | 96.53B | 105.90B | 95.51B | 73.02B | 48.13B | 34.67B |
| Total Liabilities | 97.97B | 108.10B | 96.90B | 74.12B | 49.20B | 35.43B |
| Stockholders Equity | 40.14B | 43.57B | 25.21B | 21.21B | 18.17B | 15.74B |
Cash Flow | ||||||
| Free Cash Flow | -19.88B | 6.21B | -22.10B | -19.16B | -14.58B | -8.11B |
| Operating Cash Flow | -19.76B | 6.30B | -21.98B | -19.08B | -14.51B | -8.07B |
| Investing Cash Flow | 884.29M | -29.78B | -2.12M | -2.17B | -2.84B | 8.04B |
| Financing Cash Flow | 19.39B | 21.97B | 22.17B | 24.70B | 13.53B | 4.11B |
Home First Finance Company India Ltd. Technical Analysis
Positive
1093.55
Price Trends
1108.54
Positive
1094.29
Positive
1135.12
Positive
Market Momentum
12.00
Negative
60.77
Neutral
93.01
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HOMEFIRST, the sentiment is Positive. The current price of 1093.55 is above the 20-day moving average (MA) of 1087.94, below the 50-day MA of 1108.54, and below the 200-day MA of 1135.12, indicating a bullish trend. The MACD of 12.00 indicates Negative momentum. The RSI at 60.77 is Neutral, neither overbought nor oversold. The STOCH value of 93.01 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:HOMEFIRST.
Home First Finance Company India Ltd. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹116.33B | 17.75 | ― | ― | ― | ― | |
71 Outperform | ₹136.40B | 14.46 | ― | 1.60% | 24.47% | 25.35% | |
70 Outperform | ₹117.53B | 10.84 | ― | 1.37% | 8.73% | 26.67% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
63 Neutral | ₹24.43B | 5.14 | ― | 1.61% | 4.25% | 3.04% | |
60 Neutral | ₹83.68B | 16.59 | ― | 0.60% | 29.99% | 32.10% | |
59 Neutral | ₹119.78B | 22.09 | ― | 0.33% | 24.92% | 22.21% |
* Real Estate Sector Average
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Home First Finance Company India Ltd. Corporate Events
Home First Finance Details Dividend Plan and Tax Rules for Shareholders
Jun 1, 2026
Home First Finance Company India Ltd. has proposed a dividend of ₹5.20 per equity share of face value ₹2 for the financial year ended March 31, 2026, subject to shareholder approval at the AGM on June 24, 2026. The company has fixed Ma...
Home First Finance Circulates FY26 Annual Report, 17th AGM Notice to Non-Email Shareholders
Jun 1, 2026
Home First Finance Company India has notified stock exchanges that it has sent letters to shareholders whose email addresses are not registered, providing them with a web link to the company’s Integrated Annual Report for FY26 and the notice...
Home First Finance Publishes E-Voting Details for 17th AGM
May 31, 2026
Home First Finance Company India Ltd. has announced that it has published newspaper advertisements in the English daily Mint and the Marathi regional newspaper Pratahkal, providing shareholders with details on e-voting arrangements for its 17th An...
Home First Finance Schedules May Meetings With Investors and Analysts
May 10, 2026
Home First Finance Company India Limited has scheduled one-on-one meetings with various investors and analysts on May 11 and May 13, 2026, as part of its ongoing engagement under SEBI listing regulations. The company noted that these interactions ...
Home First Finance Publishes FY26 Audited Results Investor Presentation
May 6, 2026
Home First Finance Company India Ltd. has released an investor presentation detailing its audited financial results for the quarter and financial year ended March 31, 2026. The presentation, made available to stock exchanges and on the companyR...
Home First Finance Delivers Strong FY26 Growth With Improved Asset Quality
May 6, 2026
Home First Finance Company India Limited reported strong financial and operational performance for the quarter and year ended March 31, 2026, driven by robust growth in its retail housing loan portfolio. Assets under management rose 24.9% year-on-...
Home First Finance announces ESG score from NSE Sustainability
Apr 6, 2026
Home First Finance Company India Ltd. has received an independently assigned environmental, social, and governance score of 71 from NSE Sustainability Ratings and Analytics, a SEBI-registered Category I ESG Rating Provider. The disclosure of this ...
Home First Finance Grants 8.6 Lakh ESOPs Under 2024 Scheme
Apr 2, 2026
Home First Finance Company India Limited has approved the grant of 8,60,000 stock options to eligible employees under its Homefirst Employee Stock Option Scheme 2024, with each option convertible into one equity share of face value Rs 2. The optio...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.