Home First Finan

Why is Home First Finance Company India Ltd falling/rising?

As of 23-Jun, Home First Finance Company India Ltd's stock price is declining, currently at 1,123.15, down 2.09%. This decline is due to underperformance in its sector, reduced trading volume, and cautious investor sentiment despite strong long-term fundamentals.

As of 23-Jun, Home First Finance Company India Ltd is experiencing a decline in its stock price, currently at 1,123.15, which reflects a change of -23.95 (-2.09%). This downward movement can be attributed to several factors highlighted in the recent performance data. <BR><BR>Today, the stock has underperformed its sector by -1.69% and has been on a consecutive decline for the last two days, accumulating a total drop of -2.7% during this period. The stock reached an intraday low of Rs 1102.65, marking a decrease of -3.87%. Additionally, the trading volume has shown a significant drop, with delivery volume on 22 June falling by -72.75% compared to the 5-day average, indicating reduced investor participation.<BR><BR>Despite the company's strong long-term fundamentals, including a 33.46% CAGR growth in operating profits and consistent positive results over the last 19 quarters, the stock has faced challenges in the short term. Over the past year, while profits have increased by 41.4%, the stock itself has generated a return of -13.07%. This discrepancy may contribute to investor sentiment leaning towards caution, leading to the current decline in stock price. <BR><BR>Overall, the combination of recent performance metrics, declining trading volume, and investor participation suggests that the stock is currently falling.

Which are the latest news on Home First Finan?

What does Home First Finan do?

Home First Finance Company India Ltd is a small-cap housing finance firm, incorporated in 2010 and public since 2018, with recent net sales of ₹499 Cr and net profit of ₹149 Cr as of March 2026. Key metrics include a P/E ratio of 20.00 and a market cap of ₹11,052 Cr.

Overview:<BR>Home First Finance Company India Ltd operates in the housing finance industry and is categorized as a small-cap company.<BR><BR>History:<BR>The company was incorporated in 2010 as a private limited entity and later converted to a public limited company in 2018. The latest quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 499 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 149 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 11,052 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 20.00 <BR>Industry P/E: 12 <BR>Dividend Yield: 0.48% <BR>Debt-Equity: 2.47 <BR>Return on Equity: 12.62% <BR>Price to Book: 2.63<BR><BR>Contact Details:<BR>Address: 511 Acme Plaza, Andheri Kurla Road Andheri (E) Mumbai Maharashtra : 400059 <BR>Tel: 91-22-66940386 <BR>Email: corporate@homefirstindia.com <BR>Website: http://www.homefirstindia.com

How big is Home First Finan?

As of 10th June, Home First Finance Company India Ltd has a market capitalization of 11,052.00 Cr, with Net Sales of 1,908.25 Cr and a Net Profit of 540.39 Cr reported in the latest four quarters. Shareholder's Funds are 4,356.54 Cr and Total Assets are 15,166.54 Cr for the annual period ending March 2026.

As of 10th June, Home First Finance Company India Ltd has a market capitalization of 11,052.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 1,908.25 Cr and a Net Profit of 540.39 Cr.<BR><BR>For the latest annual period ending in March 2026, the Shareholder's Funds amounted to 4,356.54 Cr, while Total Assets were reported at 15,166.54 Cr.

Who are in the management team of Home First Finan?

The management team of Home First Finance includes Chairman Deepak Satwalekar, Managing Director & CEO Manoj Viswanathan, and several nominees and independent directors, bringing diverse expertise to the company. Key members also include Company Secretary Shreyans Bachhawat and independent directors Geeta Dutta Goel, Anuj Srivastava, and Sucharita Mukherjee.

The management team of Home First Finance includes the following key members:<BR><BR>1. **Deepak Satwalekar** - Chairman & Independent Director<BR>2. **Manoj Viswanathan** - Managing Director & CEO<BR>3. **DIVYA SEHGAL** - Nominee<BR>4. **Maninder Singh Juneja** - Nominee<BR>5. **Narendra Ostawal** - Nominee<BR>6. **Shreyans Bachhawat** - Company Secretary & Compliance Officer<BR>7. **Geeta Dutta Goel** - Independent Director<BR>8. **Anuj Srivastava** - Independent Director<BR>9. **Sucharita Mukherjee** - Independent Director<BR><BR>This team brings a diverse range of expertise and leadership to the company.

Who are the peers of the Home First Finan?

Home First Finan's peers include LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., and others, with varying management risks and growth rates. Home First Finan has a 1-year return of -18.00%, better than Aavas Financiers but worse than Sammaan Capital, which leads at 32.21%.

Peers: The peers of Home First Finan are LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, and GIC Housing Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Aavas Financiers, INDIA SHELTE FIN, Repco Home Fin, and Home First Finan. Average management risk is noted at Sammaan Capital, while Below Average management risk is present at GIC Housing Fin. Growth is Excellent for Home First Finan and INDIA SHELTE FIN, Good for Aptus Value Hou., while Average growth is seen at Aadhar Hsg. Fin. and Can Fin Homes, and Below Average growth is noted at LIC Housing Fin., PNB Housing, Sammaan Capital, and the rest. Capital Structure is Excellent for PNB Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Can Fin Homes, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin, while Average is observed at LIC Housing Fin. and Good at Home First Finan.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sammaan Capital at 32.21%, while the lowest is Aavas Financiers at -28.11%. Home First Finan's 1-year return is -18.00%, which is better than Aavas Financiers but worse than Sammaan Capital. Additionally, peers with negative six-month returns include Aadhar Hsg. Fin., Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin.

Should I buy, sell or hold Home First Finance Company India Ltd?

Are Home First Finance Company India Ltd latest results good or bad?

Home First Finance Company India Ltd's latest results are strong, with a 42.77% increase in net profit and a record revenue of ₹499.39 crores for Q4 FY26. However, its high P/E ratio of 26 times, nearly double the industry average, raises concerns about sustainability for potential investors.

Home First Finance Company India Ltd's latest results for Q4 FY26 indicate a strong performance overall. The company reported a net profit of ₹149.45 crores, which is a remarkable 42.77% increase year-on-year. Revenue also saw significant growth, reaching ₹499.39 crores, marking a 20.82% year-on-year increase and the highest quarterly revenue in the company's history.<BR><BR>Additionally, the profit after tax (PAT) margin improved to 29.93%, up 462 basis points from the previous year, showcasing enhanced profitability. The company has maintained a positive trajectory with consistent quarter-on-quarter growth, evidenced by a 3.87% increase in net sales from the previous quarter.<BR><BR>However, there are concerns regarding the company's elevated price-to-earnings (P/E) ratio of 26 times, which is nearly double the industry average of 14 times. This raises questions about the sustainability of its current valuation levels.<BR><BR>In summary, while Home First Finance Company has demonstrated impressive growth and profitability, the high valuation may warrant caution for potential investors.

Is Home First Finan technically bullish or bearish?

As of December 3, 2025, the technical trend for Home First Finan has shifted to a moderately strong bearish outlook, supported by bearish indicators across multiple timeframes, including MACD, Bollinger Bands, and moving averages.

As of 3 December 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength. Key indicators driving this include a bearish MACD on the weekly timeframe, bearish Bollinger Bands on both weekly and monthly timeframes, and bearish moving averages on the daily timeframe. The KST is also bearish on the weekly chart, further confirming the negative sentiment. The Dow Theory indicates a mildly bearish trend on the weekly, while the monthly shows no trend. Overall, the combination of these indicators suggests a bearish outlook for Home First Finan.

Is Home First Finan overvalued or undervalued?

As of November 21, 2025, Home First Finance is considered overvalued with a PE ratio of 26.82 and an EV to EBITDA of 14.70, significantly higher than its peers, despite a year-to-date return of 10.55% that underperformed the Sensex's 9.08%.

As of 21 November 2025, Home First Finance has moved from a fair to an expensive valuation grade. The company appears overvalued based on its current financial metrics. Key ratios include a PE ratio of 26.82, an EV to EBITDA of 14.70, and a PEG ratio of 1.94, which suggest that the stock is trading at a premium compared to its earnings growth potential.<BR><BR>In comparison to its peers, Home First Finance's PE ratio is significantly higher than LIC Housing Finance, which has a PE of 5.45, and PNB Housing Finance, which stands at 10.74. Additionally, the EV to EBITDA ratio for Home First Finance is also higher than that of HUDCO at 15.07. While the company has shown a year-to-date return of 10.55%, it has underperformed the Sensex, which returned 9.08% in the same period, further reinforcing the notion that the stock may be overvalued.

How has been the historical performance of Home First Finan?

Home First Finan has experienced significant growth in net sales and profitability from March 2020 to March 2025, with net sales increasing from 395.80 Cr to 1,525.66 Cr and profit after tax rising from 79.55 Cr to 382.07 Cr, despite rising interest expenses and negative cash flow. Total liabilities also grew substantially, reaching 12,211.67 Cr by March 2025.

Answer:<BR>The historical performance of Home First Finan shows significant growth in net sales and profitability over the years, culminating in the fiscal year ending March 2025.<BR><BR>Breakdown:<BR>Home First Finan has demonstrated a robust increase in net sales, rising from 395.80 Cr in March 2020 to 1,525.66 Cr in March 2025. Other operating income has also seen a gradual increase, reaching 4.29 Cr in March 2025. Total operating income has grown to 1,529.95 Cr by March 2025, up from 398.66 Cr in March 2020. The total expenditure, excluding depreciation, has increased to 1,022.09 Cr in March 2025, reflecting a rise from 305.10 Cr in March 2020. Operating profit (PBDIT) has improved significantly, reaching 517.12 Cr in March 2025, compared to 114.58 Cr in March 2020. However, interest expenses have also surged to 715.27 Cr in March 2025 from 193.83 Cr in March 2020, leading to a gross profit (PBDT) of -198.15 Cr in March 2025. Despite this, profit before tax has increased to 501.59 Cr in March 2025, up from 107.33 Cr in March 2020, while profit after tax reached 382.07 Cr in March 2025, compared to 79.55 Cr in March 2020. The company's total liabilities have escalated to 12,211.67 Cr in March 2025 from 3,480.21 Cr in March 2020, with total assets also rising to 12,211.67 Cr. Cash flow from operating activities has remained negative, amounting to -2,198.00 Cr in March 2025, although the net cash inflow for the year was 18.00 Cr. Overall, Home First Finan has shown a strong upward trajectory in sales and profits, despite challenges with interest expenses and cash flow.

Who are the top shareholders of the Home First Finan?

The top shareholders of Home First Finance include Foreign Institutional Investors (FIIs) with 36.53%, mutual funds holding 17.93%, and individual investors led by True North Fund V LLP at 7.52% and Orange Clove Investments B.V. at 10.67%. Overall, individual shareholders own about 10.62% of the company, with no pledged promoter holdings reported.

The top shareholders of Home First Finance include a mix of institutional and individual investors. The majority of the shares are held by Foreign Institutional Investors (FIIs), who own approximately 36.53% of the company. Additionally, mutual funds are represented by 23 schemes, holding about 17.93% of the shares. <BR><BR>Among individual shareholders, the largest promoter is True North Fund V LLP, which holds 7.52%. The highest public shareholder is Orange Clove Investments B.V., with a stake of 10.67%. Individual investors collectively hold around 10.62% of the company's shares. There are no pledged promoter holdings reported.

When is the next results date for Home First Finan?

No Upcoming Board Meetings

Has Home First Finan declared dividend?

Yes, Home First Finance Company India Ltd has declared a dividend of 185%, amounting to ₹3.7 per share, with an ex-date of May 30, 2025. The company has shown strong total returns over various periods, particularly in the long term.

Home First Finance Company India Ltd has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 185%<BR>- Amount per share: 3.7<BR>- Ex-date: May-30-2025<BR><BR>Dividend Yield: 0.52%.<BR><BR>Total Returns by Period:<BR>In the 6 months period, the price return was 24.2%, the dividend return was 0.36%, leading to a total return of 24.56%.<BR><BR>In the 1 year period, the price return was 49.59%, the dividend return was 0.40%, resulting in a total return of 49.99%.<BR><BR>In the 2 years period, the price return was 66.47%, the dividend return was 0.86%, culminating in a total return of 67.33%.<BR><BR>In the 3 years period, the price return was 70.81%, the dividend return was 1.32%, which brought the total return to 72.13%.<BR><BR>In the 4 years period, the price return was 127.54%, the dividend return was 1.84%, leading to a total return of 129.38%.<BR><BR>In the 5 years period, there was no price return or dividend return, resulting in a total return of 0.0%.<BR><BR>Overall, Home First Finance Company has declared a significant dividend and has shown strong total returns over various periods, particularly in the longer terms, indicating a positive performance trend.