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:66Neutral
Price Target:
₹1,003.00
▼(-8.28% Downside)
Action:ReiteratedDate:02/28/26
The score is driven primarily by solid profitability and revenue growth, partially offset by leverage and negative operating/free cash flow. Technicals are currently weak with the stock trading below major moving averages, and valuation is moderate with a low dividend yield.
Positive Factors
Targeted retail mortgage franchise
A focused franchise serving first-time and underserved homebuyers builds a durable originations pipeline tied to structural housing demand. Retail, collateralized home loans tend to produce sticky customer relationships and predictable repayment patterns, supporting long-term loan book stability and scale.
Negative Factors
Elevated leverage
Relatively high debt-to-equity increases sensitivity to funding and interest-rate cycles and reduces balance sheet flexibility. In adverse markets or tightening funding conditions, leverage amplifies refinancing risk and could constrain lending growth or raise funding cost volatility over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Targeted retail mortgage franchise
A focused franchise serving first-time and underserved homebuyers builds a durable originations pipeline tied to structural housing demand. Retail, collateralized home loans tend to produce sticky customer relationships and predictable repayment patterns, supporting long-term loan book stability and scale.
Read all positive factors
Home First Finance Company India Ltd. (HOMEFIRST) vs. iShares MSCI India ETF (INDA)
Market Cap
₹96.92B
Dividend Yield0.33%
Average Volume (3M)7.04K
Price to Earnings (P/E)20.4
Beta (1Y)1.25
Revenue Growth31.75%
EPS Growth21.70%
CountryIN
Employees1,249
SectorReal Estate
Sector Strength53
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)13.32
Shares Outstanding104,328,020
10 Day Avg. Volume5,776
30 Day Avg. Volume7,043
Financial Highlights & Ratios
PEG Ratio0.99
Price to Book (P/B)3.56
Price to Sales (P/S)6.77
P/FCF Ratio-4.06
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,372.50Price Target Upside25.51% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)51.99
Revenue Forecast (FY)₹11.15B
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
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.70B | 13.25B | 9.80B | 6.93B | 4.78B | 4.08B |
| Gross Profit | 6.84B | 4.88B | 3.93B | 3.21B | 2.13B | 1.49B |
| EBITDA | 6.87B | 5.48B | 4.42B | 3.23B | 2.55B | 1.59B |
| Net Income | 4.53B | 3.82B | 3.06B | 2.28B | 1.86B | 1.00B |
Balance Sheet | ||||||
| Total Assets | 138.11B | 122.12B | 95.34B | 67.37B | 51.17B | 45.10B |
| Cash, Cash Equivalents and Short-Term Investments | 7.99B | 9.38B | 8.22B | 5.80B | 6.61B | 10.89B |
| Total Debt | 96.53B | 95.51B | 73.02B | 48.13B | 34.67B | 30.54B |
| Total Liabilities | 97.97B | 96.90B | 74.12B | 49.20B | 35.43B | 31.30B |
| Stockholders Equity | 40.14B | 25.21B | 21.21B | 18.17B | 15.74B | 13.81B |
Cash Flow | ||||||
| Free Cash Flow | -19.88B | -22.10B | -19.16B | -14.58B | -8.11B | -2.26B |
| Operating Cash Flow | -19.76B | -21.98B | -19.08B | -14.51B | -8.07B | -2.23B |
| Investing Cash Flow | 884.29M | -2.12M | -2.17B | -2.84B | 8.04B | -6.15B |
| Financing Cash Flow | 19.39B | 22.17B | 24.70B | 13.53B | 4.11B | 9.00B |
Home First Finance Company India Ltd. Technical Analysis
Negative
1093.55
Price Trends
1096.45
Negative
1116.84
Negative
1200.85
Negative
Market Momentum
-53.94
Positive
33.40
Neutral
34.07
Neutral
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 above the 20-day moving average (MA) of 1011.90, below the 50-day MA of 1096.45, and below the 200-day MA of 1200.85, indicating a bearish trend. The MACD of -53.94 indicates Positive momentum. The RSI at 33.40 is Neutral, neither overbought nor oversold. The STOCH value of 34.07 is Neutral, 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 | ₹109.40B | 11.69 | ― | 1.37% | 8.92% | 12.32% | |
66 Neutral | ₹96.92B | 20.38 | ― | 0.33% | 31.75% | 21.70% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
62 Neutral | ₹23.01B | 5.62 | ― | 1.61% | 8.10% | 2.97% | |
58 Neutral | ₹99.07B | 14.79 | ― | 1.60% | 28.47% | 24.63% | |
55 Neutral | ₹79.86B | 17.57 | ― | 0.60% | 35.30% | 41.06% | |
53 Neutral | ₹87.82B | 17.04 | ― | ― | ― | ― |
* Real Estate Sector Average
IN:HOMEFIRST
Home First Finance Company India Ltd.
929.00
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IN:AAVAS
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197.85
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IN:CANFINHOME
Can Fin Homes Ltd.
821.60
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IN:INDIASHLTR
India Shelter Finance Corp. Ltd.
734.30
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IN:REPCOHOME
Repco Home Finance Ltd.
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31.94
9.51%
Home First Finance Company India Ltd. Corporate Events
Home First Finance Publishes Q3 FY26 Earnings Call Transcript
Jan 30, 2026
Home First Finance Company India Limited has released the transcript of its earnings conference call for the quarter ended December 31, 2025, held with analysts and investors on January 23, 2026. The disclosure, made under SEBI’s listing reg...
Home First Finance Schedules Series of Investor and Analyst Meetings in Mumbai
Jan 23, 2026
Home First Finance Company India Ltd. has announced that its officials will hold one-on-one meetings with investors and analysts on January 29, 2026 and will participate in two key investor conferences in Mumbai: the Systematix India Annual Confer...
Home First Finance Publishes Q3 and Nine-Month FY26 Results in Newspapers
Jan 23, 2026
Home First Finance Company India Limited has published its reviewed financial results for the quarter and nine months ended December 31, 2025 in national English daily Mint and regional Marathi daily Pratahkal, in compliance with Regulation 47 of ...
Home First Finance Schedules One-on-One Meets With Analysts and Investors
Jan 22, 2026
Home First Finance Company India Limited has announced that its officials will hold one-on-one meetings with analysts and institutional investors on January 27 and February 2, 2026, in line with SEBI’s disclosure norms. The company will also...
Home First Finance Schedules Q3 FY26 Earnings Call With Analysts and Investors
Jan 16, 2026
Home First Finance Company India Limited has scheduled an earnings conference call with analysts and institutional investors on January 23, 2026, at 4:00 p.m. IST to discuss its reviewed financial results for the quarter and nine months ended Dece...
Home First Finance Receives ESG Score of 75 from SEBI-Registered Rater
Jan 6, 2026
Home First Finance Company India Limited has received an independently assigned ESG score of 75 from ESG Risk Assessments Insights Limited, a SEBI-registered Category I ESG Rating Provider. The disclosure of this rating under SEBI’s listing...
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.