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:69Neutral
Price Target:
₹1,174.00
▲(7.36% Upside)
Action:Reiterated
Date:05/08/26
The score is primarily driven by strong financial performance (rapid growth and robust profitability) tempered by leverage and historically volatile cash flows. Technicals are supportive with strong trend momentum but show overbought signals, and valuation looks fair on earnings with minimal dividend support.
Positive Factors
Strong revenue growth and durable profitability
Sustained double-digit revenue growth with consistently high net margins indicates durable demand for mortgage products and effective pricing/underwriting. This scale supports operating leverage, recurring interest income, and a resilient earnings base over the next several quarters to years.
Negative Factors
Elevated and volatile leverage
High leverage amplifies earnings volatility and increases sensitivity to funding costs or market dislocations. Although improved in 2026, continued rising total debt keeps refinancing, liquidity and regulatory risk elevated, constraining capital flexibility and growth without stronger deleveraging.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth and durable profitability
Sustained double-digit revenue growth with consistently high net margins indicates durable demand for mortgage products and effective pricing/underwriting. This scale supports operating leverage, recurring interest income, and a resilient earnings base over the next several quarters to years.
Read all positive factors
Home First Finance Company India Ltd. (HOMEFIRST) vs. iShares MSCI India ETF (INDA)
Market Cap
₹112.60B
Dividend Yield0.33%
Average Volume (3M)7.04K
Price to Earnings (P/E)17.3
Beta (1Y)1.34
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 Target
₹1,375.00Price Target Upside25.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)63.61
Revenue Forecast (FY)₹13.75B
Home First Finance Company India Ltd. Business Overview & Revenue Model
Company Description
Home First Finance Company India Limited operates as a housing finance company in India. The company offers housing loans for the purchase or construction of homes, loans against property, loans for extension and renovation of home, and loans for ...
How the Company Makes Money
HOMEFIRST makes money primarily through interest income earned on its loan portfolio. Its core revenue model is lending: it disburses home loans (and related loan products) to customers and earns interest over the life of these loans. A key driver...
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
Negative
1093.55
Price Trends
1067.86
Positive
1098.00
Negative
1157.44
Negative
Market Momentum
-5.67
Positive
41.93
Neutral
16.77
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:HOMEFIRST, the sentiment is Negative. The current price of 1093.55 is below the 20-day moving average (MA) of 1136.16, above the 50-day MA of 1067.86, and below the 200-day MA of 1157.44, indicating a neutral trend. The MACD of -5.67 indicates Positive momentum. The RSI at 41.93 is Neutral, neither overbought nor oversold. The STOCH value of 16.77 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | ₹107.63B | 11.75 | ― | ― | ― | ― | |
71 Outperform | ₹134.72B | 10.33 | ― | 1.60% | 24.47% | 25.35% | |
70 Outperform | ₹111.60B | 7.63 | ― | 1.37% | 8.73% | 26.67% | |
69 Neutral | ₹112.60B | 17.28 | ― | 0.33% | 24.92% | 22.21% | |
66 Neutral | ₹84.77B | 16.24 | ― | 0.60% | 29.99% | 32.10% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
62 Neutral | ₹24.61B | 5.62 | ― | 1.61% | 5.45% | 1.41% |
* Real Estate Sector Average
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,072.55
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Home First Finance Company India Ltd. Corporate Events
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.