| Annual Financials | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 94 | 146 | 271 | 420 | 489 | 596 | 796 | 1,157 | 1,539 | 1,758 |
| Expenses | 26 | 41 | 75 | 111 | 127 | 146 | 187 | 245 | 307 | 357 |
| EBITDA | 68 | 106 | 196 | 308 | 362 | 450 | 609 | 912 | 1,232 | 1,401 |
| Operating Profit % | 72 % | 72 % | 71 % | 72 % | 73 % | 75 % | 76 % | 78 % | 80 % | 80 % |
| Depreciation | 1 | 1 | 5 | 7 | 8 | 8 | 9 | 12 | 16 | 17 |
| Interest | 54 | 67 | 127 | 194 | 220 | 216 | 304 | 500 | 715 | 786 |
| Profit Before Tax | 14 | 38 | 65 | 107 | 134 | 226 | 295 | 400 | 502 | 597 |
| Tax | 5 | 13 | 20 | 28 | 34 | 40 | 67 | 94 | 120 | 141 |
| Net Profit | 9 | 25 | 46 | 80 | 100 | 186 | 228 | 306 | 382 | 453 |
| EPS in ₹ | 23.22 | 24.42 | 7.91 | 10.81 | 12.37 | 21.26 | 26.01 | 34.65 | 42.83 | 47.00 |
Home First Finance Company
Home First Finance Company
1,170.50
-16.50
(-1.39%)
There are 1 new updates from the company1 day ago
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Key Fundamentals
Market Cap
12,121.77 Cr
EPS
42.83
PE Ratio
27.15
Dividend Yield
0.27 %
Industry
Financial Services 52 Week High
1,519.00
52 Week Low
878.40
PB Ratio
3.06
Debt to Equity
3.63
Sector
Housing Finance Analyst Rating and Forecast
- By Refinitiv from19 analysts
Actual
Company News
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Ms. Vilasini Subramanian, Head-Strategic Alliances at HomeFirst Finance Company India Limited, has vacated her office on November 14, 2025, following her resignation due to personal reasons. The departure affects the company's senior management structure as she was designated as Senior Management Personnel responsible for strategic alliances.
HomeFirst Finance Company India Limited reported AUM growth of 26.3% year-on-year to Rs. 14,178 crores for the quarter ended September 30, 2025. The company expanded its distribution network to 366 touchpoints and 163 branches. Disbursements stood at Rs. 1,289 crores, up 9.6% year-on-year. However, asset quality metrics showed some deterioration with 14-day past due at 5.5%, 30-day past due at 3.7%, and Gross Stage 3 at 1.9%. The company faced challenges in specific markets including Surat, Coimbatore, and Tirupur due to tariff-related impacts on textile and leather industries. Net interest margin improved to 5.4% from 5.2% in the previous quarter. Cost of borrowing reduced by 30 basis points to 8.1%. Profit after tax increased 43% year-on-year to Rs. 132 crores. The company maintained credit costs at 40 basis points and expects to bring asset quality metrics back to earlier levels over the next two quarters through focused collection efforts.
Homefirst Finance has set a target of 26-30% growth in Assets Under Management (AUM), driven by strong disbursement momentum and technology-enabled affordable housing finance. The company is enhancing its digital collections capabilities and AI-based risk systems while expanding its branch network across 13 states to achieve scale efficiency.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
105.53 | #1 87,931.13 | 37.58 | 9,576.00 | 25.71 | 2,163 | 17.85 | 29.76 | |
545.90 | 30,027.94 | #1 5.53 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 29.72 | |
887.15 | 23,111.02 | 10.98 | 7,691.60 | 8.99 | 1,936 | 23.82 | 44.29 | |
483.60 | 20,944.36 | 21.31 | 3,108.90 | 20.17 | 912 | 17.14 | 33.33 | |
277.05 | 13,870.18 | 16.66 | 1,798.40 | 27.62 | 751 | 24.51 | 30.87 | |
158.91 | 13,163.44 | 10.25 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 37.41 | |
1,632.20 | 12,920.72 | 26.38 | 2,020.70 | 25.46 | 491 | 14.85 | 46.72 | |
1,170.50 | #8 12,121.77 | #9 27.15 | #9 1,539.20 | #2 33.09 | #8 382 | #2 43.06 | 44.81 | |
884.95 | 11,783.47 | 12.74 | 3,879.60 | 10.07 | 857 | 18.87 | 59.14 | |
879.45 | 9,517.94 | 21.77 | 1,175.90 | #1 36.51 | 378 | 35.41 | 49.91 |
Growth Rate
Revenue Growth
33.09 %
Net Income Growth
24.99 %
Cash Flow Change
-15.24 %
ROE
5.14 %
ROCE
5.55 %
EBITDA Margin (Avg.)
1.59 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 12,212 |
| Fixed Assets | 3 | 5 | 17 | 21 | 17 | 20 | 26 | 30 | 46 |
| Current Assets | 196 | 60 | 225 | 300 | 792 | 792 | 434 | 978 | 1,157 |
| Capital Work in Progress | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 103 | 146 | 375 | 0 | 281 | 379 | 360 |
| Other Assets | 988 | 1,366 | 2,361 | 3,314 | 4,119 | 5,097 | 6,432 | 9,125 | 11,805 |
| Total Liabilities | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 12,212 |
| Current Liabilities | 132 | 162 | 33 | 60 | 68 | 77 | 108 | 116 | 137 |
| Non Current Liabilities | 551 | 878 | 1,926 | 2,487 | 3,062 | 3,466 | 4,814 | 7,296 | 9,553 |
| Total Equity | 308 | 333 | 523 | 933 | 1,381 | 1,574 | 1,817 | 2,122 | 2,521 |
| Reserve & Surplus | 298 | 323 | 510 | 918 | 1,363 | 1,556 | 1,800 | 2,104 | 2,503 |
| Share Capital | 10 | 10 | 13 | 16 | 18 | 18 | 18 | 18 | 18 |
Cash Flow
| Cash Flow | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 102 | -154 | 163 | -38 | 62 | 408 | -382 | 345 | 19 |
| Investing Activities | -0 | -5 | -106 | -108 | -615 | 804 | -267 | -217 | -0 |
| Operating Activities | -226 | -438 | -791 | -823 | -223 | -807 | -1,469 | -1,908 | -2,198 |
| Financing Activities | 328 | 289 | 1,059 | 893 | 900 | 411 | 1,353 | 2,470 | 2,217 |
Share Holding
| % Holding | Jan 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Apr 2025 | Jun 2025 | Sept 2025 |
| Promoter | 33.70 % | 33.70 % | 33.66 % | 33.65 % | 33.62 % | 33.60 % | 33.58 % | 33.57 % | 33.52 % | 33.46 % | 30.21 % | 30.19 % | 23.60 % | 23.56 % | 23.45 % | 23.38 % | 14.31 % | 14.25 % | 12.47 % | 12.43 % | 12.39 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.04 % | 25.09 % | 24.74 % | 25.58 % | 37.91 % | 36.00 % | 36.53 % | 37.19 % | 39.99 % |
| DIIs | 4.04 % | 5.08 % | 5.22 % | 4.05 % | 3.88 % | 3.96 % | 4.68 % | 4.63 % | 6.52 % | 8.41 % | 10.00 % | 9.96 % | 10.16 % | 11.85 % | 11.96 % | 12.41 % | 18.29 % | 19.81 % | 21.20 % | 21.89 % | 28.83 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 14.56 % | 9.23 % | 8.32 % | 7.54 % | 7.88 % | 8.61 % | 9.14 % | 8.44 % | 9.18 % | 9.07 % | 10.17 % | 10.67 % | 11.09 % | 11.05 % | 11.24 % | 10.24 % | 11.55 % | 12.00 % | 10.62 % | 9.58 % | 10.27 % |
| Others | 47.70 % | 51.99 % | 52.81 % | 54.76 % | 54.62 % | 53.83 % | 52.59 % | 53.36 % | 50.78 % | 49.06 % | 49.62 % | 49.18 % | 55.11 % | 28.46 % | 28.61 % | 28.38 % | 17.95 % | 17.94 % | 19.18 % | 18.91 % | 8.51 % |
| No of Share Holders | 48 | 1,36,780 | 1,05,060 | 77,223 | 64,064 | 61,837 | 62,404 | 73,601 | 74,548 | 73,731 | 78,164 | 78,918 | 78,152 | 76,526 | 75,625 | 78,604 | 86,972 | 88,276 | 88,604 | 86,471 | 85,010 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.6 | 3.4 | 3.7 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.29 | 0.34 | 0.32 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 19 May 2023 |  Dividend | ₹ 2.60 /share | 19 May 2023 | 712.45 | 698.20 |
| 07 Jun 2024 | Dividend | ₹ 3.40 /share | 07 Jun 2024 | 878.75 | 867.00 |
| 20 Jun 2024 |  Annual General Meeting | NA | 20 Jun 2024 | 816.55 | 1,074.55 |
| 24 Oct 2024 |  Quarterly Result Announcement | NA | 24 Oct 2024 | 1,208.30 | 1,115.25 |
| 28 Jan 2025 | Quarterly Result Announcement | NA | 28 Jan 2025 | 1,038.20 | 977.10 |
| 01 May 2025 | Quarterly Result Announcement | NA | 01 May 2025 | 1,263.75 | 1,230.25 |
| 30 May 2025 | Dividend | ₹ 3.70 /share | 30 May 2025 | 1,230.25 | 1,196.35 |
| 25 Jun 2025 | Annual General Meeting | NA | 25 Jun 2025 | 1,154.05 | 1,340.50 |
| 25 Jul 2025 | Quarterly Result Announcement | NA | 25 Jul 2025 | 1,393.00 | 1,414.55 |
| 04 Nov 2025 | Quarterly Result Announcement | NA | 04 Nov 2025 | 1,204.30 | 1,254.25 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1 day ago
1 day agoDisclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - CSA Score Assigned By S&P Global2 days ago
2 days agoAnnouncement under Regulation 30 (LODR)-Change in Management8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 11, 2025
Nov 11, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 08, 2025
Nov 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 08, 2025
Nov 08, 2025Announcement under Regulation 30 (LODR)-Change in ManagementNov 06, 2025
Nov 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 05, 2025
Nov 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Change in ManagementNov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Investor PresentationNov 04, 2025
Nov 04, 2025Results - Financial Results For The Quarter And Half Year Ended September 30 2025Nov 04, 2025
Nov 04, 2025Board Meeting Outcome for Outcome Of The Board Meeting Held On Tuesday November 04 2025 And Submission Of Reviewed Financial Results For The Quarter And Half Year Ended September 30 2025.Nov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationNov 01, 2025
Nov 01, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 31, 2025
Oct 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 29, 2025
Oct 29, 2025Board Meeting Intimation for Considering The Reviewed Financial Results Of The Company For The Quarter And Half Year Ended September 30 2025 And Other Items Oct 29, 2025
Oct 29, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Oct 17, 2025
Oct 17, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 07, 2025
Oct 07, 2025Closure of Trading WindowSep 30, 2025
Sep 30, 2025Disclosure Under Regulation 30 Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 - ESG Score By Morningstar SustainalyticsSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 19, 2025
Sep 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeSep 11, 2025
Sep 11, 2025ESG Score By CFC Finlease Private Limited
Sep 11, 2025
Sep 11, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 04, 2025
Sep 04, 2025Announcement under Regulation 30 (LODR)-Change in DirectorateSep 04, 2025
Sep 04, 2025 Shareholder Meeting / Postal Ballot-Scrutinizer"s ReportSep 04, 2025
Sep 04, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotSep 04, 2025
Sep 04, 2025Announcement Under Regulation 30 Of SEBI Listing Regulations - Grant Of Employee Stock OptionsSep 03, 2025
Sep 03, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 29, 2025
Aug 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 28, 2025
Aug 28, 2025Announcement under Regulation 30 (LODR)-Investor PresentationAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 25, 2025
Aug 25, 2025Announcement Under Regulation 30 Of The SEBI Listing Regulations - ESG Score By ESG Risk Assessments And Insights LimitedAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 20, 2025
Aug 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 13, 2025
Aug 13, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 13, 2025
Aug 13, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Aug 13, 2025
Aug 13, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Aug 12, 2025
Aug 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 06, 2025
Aug 06, 2025Shareholder Meeting / Postal Ballot-Notice of Postal BallotAug 05, 2025
Aug 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 04, 2025
Aug 04, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 01, 2025
Aug 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 30, 2025
Jul 30, 2025Mutual Fund Holdings
SBI Innovative Opportunities Fund Direct-Growth 
Tata Flexi Cap Fund Direct - Growth 
Canara Robeco Small Cap Fund Direct - Growth 
Motilal Oswal Large Cap Fund Direct - Growth 
HDFC Business Cycle Fund Direct - Growth 
Invesco India Multicap Fund Direct-Growth 
Sundaram Aggressive Hybrid Fund Direct-Growth 
HSBC Business Cycles Fund Direct-Growth 
ITI Banking and Financial Services Fund Direct - Growth 
Edelweiss Multi Cap Fund Direct - Growth 
Nippon India Nifty Smallcap 250 Index Fund Direct - Growth 
JioBlackRock Nifty Smallcap 250 Index Fund Direct - Growth 
PGIM India Aggressive Hybrid Equity Fund Direct-Growth 
Axis Nifty500 Momentum 50 Index Fund Direct-Growth 
UTI Nifty Midsmallcap 400 Momentum Quality 100 Index Fund Direct-Growth Technical Indicators
RSI(14)
Neutral 47.43
ATR(14)
Volatile 44.82
STOCH(9,6)
Neutral 61.33
STOCH RSI(14)
Neutral 63.19
MACD(12,26)
Bullish 3.43
ADX(14)
Weak Trend 12.78
UO(9)
Bearish 49.44
ROC(12)
Downtrend And Accelerating -5.40
WillR(14)
Neutral -46.31
About Home First Finance Company
Home First Finance Company India Limited is a technology-driven affordable housing finance company registered with RBI and NHB. It primarily offers housing loans to first-time home buyers in low and middle-income groups, along with loans for commercial property purchase, loans against property, and construction finance. The company serves both salaried and self-employed customers through a network of over 100 branches across 11 states and a union territory in India. Home First utilizes diverse lead sourcing channels and leverages technology for loan processing, customer experience, and risk management. The company was incorporated in 2010, converted to a public limited company in 2018, and was listed on BSE and NSE in 2021. It has expanded its operations and raised funds through various means including bank borrowings, direct assignments, refinancing from NHB, and issuance of NCDs.
Listing Date
03 Feb, 2021(4 Years,
20 days)
Chairperson NameDeepak Satwalekar
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