Home First Finance Company India Ltd. (HOMEFIRST) AI Stock Analysis

• Market Cap: ₹125.89B
• Dividend Yield: 0.3%
• Average Volume (3M): 20.78K
• Price to Earnings (P/E): 27.3
• Beta (1Y): 1.10
• Revenue Growth: 33.53%
• EPS Growth: 21.56%
• Country: IN
• Employees: 1,249
• Sector: Real Estate
• Sector Strength: 58
• Industry: Financial - Mortgages
• EPS (TTM): 11.50
• Shares Outstanding: 103,268,600
• 10 Day Avg. Volume: 20,456
• 30 Day Avg. Volume: 20,783
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,323.00
• Price Target Upside: 6.14% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: ₹1,323.00 ▲(6.14% Upside)

Home First Finance's strong financial performance is offset by technical indicators showing bearish momentum and moderate valuation. The company's high leverage and negative cash flows are significant risks, but strong revenue growth and profitability offer positive long-term prospects.

Home First Finance Company India Ltd. Business Overview & Revenue Model

Company Description

Home First Finance Company India Ltd. (HOMEFIRST) is a prominent housing finance company in India, primarily engaged in providing housing loans to low and middle-income customers. The company focuses on offering financial services to first-time homebuyers in underserved segments, emphasizing affordable housing loans. HOMEFIRST operates through a network of branches across India, catering to the housing finance needs of salaried as well as self-employed individuals.

How the Company Makes Money

Home First Finance Company India Ltd. generates revenue primarily through the interest income it earns on the housing loans it provides to its customers. The company's key revenue stream is the interest charged on the principal amount of loans disbursed to borrowers. Additionally, HOMEFIRST may also earn fees from processing loan applications, late payment penalties, and other ancillary services related to loan disbursement and management. The company's earnings are influenced by its ability to maintain a robust loan portfolio, manage credit risk effectively, and expand its customer base by targeting underpenetrated markets. Strategic partnerships with real estate developers, government housing schemes, and financial institutions may also contribute to its revenue generation by enhancing its market reach and customer acquisition capabilities.

Home First Finance Company India Ltd. Financial Statement Overview

Summary

Home First Finance shows strong revenue growth and profitability with high margins typical of the mortgage industry. However, significant leverage and negative operating cash flows present potential financial risks.

Income Statement

Home First Finance has demonstrated strong revenue growth over the years, with a revenue increase from 2024 to 2025. The gross profit margin remains high due to the nature of the mortgage industry, with margins consistently above 90%. The net profit margin has improved significantly, indicating enhanced profitability. EBIT and EBITDA margins are strong, reflecting effective cost management.

Balance Sheet

The company's debt-to-equity ratio is relatively high, indicating significant leverage, which is typical in the financial sector. However, return on equity has shown improvement, reflecting better profitability for shareholders. The equity ratio indicates a moderate reliance on debt financing, which poses potential risks in volatile markets.

Cash Flow

The operating cash flow has been negative in recent years, which is concerning as it suggests cash outflows from core operations. Despite this, free cash flow has shown signs of growth, although it remains negative. The ratios of operating and free cash flow to net income highlight challenges in translating accounting profits into actual cash flows.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	7.82B	7.82B	6.08B	7.91B	5.96B	4.88B
Gross Profit	6.40B	7.82B	5.26B	3.21B	1.93B	1.31B
EBITDA	4.79B	12.29B	3.23B	6.11B	4.52B	3.61B
Net Income	3.82B	3.82B	3.06B	2.28B	1.86B	1.00B
Balance Sheet
Total Assets	122.12B	122.12B	95.34B	67.37B	51.17B	45.10B
Cash, Cash Equivalents and Short-Term Investments	12.98B	12.98B	8.22B	2.98B	6.68B	10.89B
Total Debt	95.51B	95.51B	73.02B	48.13B	34.67B	30.54B
Total Liabilities	96.90B	96.90B	74.12B	49.20B	35.43B	31.30B
Stockholders Equity	25.21B	25.21B	21.21B	18.17B	15.74B	13.81B
Cash Flow
Free Cash Flow	0.00	-22.10B	-19.16B	-14.58B	-8.11B	-2.26B
Operating Cash Flow	0.00	-21.98B	-19.08B	-14.51B	-8.07B	-2.23B
Investing Cash Flow	0.00	-2.12M	-2.17B	-2.84B	8.04B	-6.15B
Financing Cash Flow	0.00	22.17B	24.70B	13.53B	4.11B	9.00B

Home First Finance Company India Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1246.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 1246.5 is below the 20-day moving average (MA) of 1256.88, below the 50-day MA of 1320.55, and above the 200-day MA of 1139.86, indicating a neutral trend. The MACD of -14.94 indicates Negative momentum. The RSI at 47.91 is Neutral, neither overbought nor oversold. The STOCH value of 22.01 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	73 Outperform	₹95.76B	11.43		1.67%	9.28%	14.93%
Sector *	63 Neutral	$7.06B	13.77	-0.50%	7.05%	4.08%	-25.24%
HOMEFIRST	63 Neutral	₹125.89B	27.33		0.30%	33.53%	21.56%
APTUS	61 Neutral	₹159.61B	20.30		1.39%	28.39%	24.27%
REPCOHOME	61 Neutral	₹21.72B	4.68		1.86%	9.72%	7.08%
INDIASHLTR	55 Neutral	₹97.88B	23.64		0.55%	36.66%	39.33%
AAVAS	54 Neutral	₹120.90B	20.62		―	―	―

Home First Finance Company India Ltd. Corporate Events

Home First Finance Engages Investors in Compliance Meeting

Home First Finance Company India Limited announced the outcome of its recent investor and analyst meeting, where company officials engaged in discussions with stakeholders. The meeting emphasized transparency by referring to publicly available documents, and the investor presentation was made accessible on the company’s website. This interaction is part of the company’s compliance with SEBI regulations, aiming to maintain clear communication with investors and analysts.

Home First Finance Releases Q1 Earnings Call Recording

Home First Finance Company India Ltd. has announced the availability of the audio recording of its earnings conference call for the quarter ended June 30, 2025. This announcement is part of the company’s compliance with SEBI regulations and aims to provide transparency and accessibility to analysts and investors, potentially impacting stakeholder engagement and market perception.

Home First Finance Engages Investors with Strategic Meeting

Home First Finance Company India Limited announced the outcome of its recent investor and analyst meeting, highlighting that the interaction was conducted via one-to-one meetings on July 28, 2025. The company has made the investor presentation available on its website and informed stock exchanges, ensuring transparency and compliance with SEBI regulations. This engagement reflects the company’s commitment to maintaining open communication with stakeholders and could positively impact its market perception and investor relations.

Home First Finance Submits SEBI Compliance Certificate for Q1 2025

Home First Finance Company India Ltd. has submitted a certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, for the quarter ended June 30, 2025. This submission, certified by KFin Technologies Limited, confirms that the details of securities dematerialized or rematerialized during the period have been furnished to all stock exchanges where the company’s shares are listed, ensuring compliance with regulatory requirements.