Home First Finance Company India Ltd (HOMEFIRST) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Can Fin Homes

INDIA SHELTE FIN

Sammaan Capital

Aadhar Hsg. Fin.

Repco Home Fin

Aptus Value Hou.

Home First Finan

Aavas Financiers

Reliance Home

SRG Housing

GIC Housing Fin

Why is Home First Finance Company India Ltd ?

Strong Long Term Fundamental Strength with a 32.35% CAGR growth in Operating Profits

Healthy long term growth as Net Sales has grown by an annual rate of 30.91% and Operating profit at 32.35%

With a growth in Net Profit of 10.9%, the company declared Very Positive results in Sep 25

The company has declared positive results for the last 17 consecutive quarters
NET SALES(Q) Highest at Rs 477.32 cr
PBDIT(Q) Highest at Rs 378.67 cr.
PAT(Q) Highest at Rs 131.85 cr.

With ROE of 11.3, it has a Expensive valuation with a 2.8 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 2.95%, its profits have risen by 32.3% ; the PEG ratio of the company is 1.8

High Institutional Holdings at 68.82%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 9.74% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Home First Finan should be less than 10%
Overall Portfolio exposure to Housing Finance Company should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Home First Finan for you?

High Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Home First Finan

5.62%

0.08

39.15%

Sensex

4.55%

0.45

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

30.91%

EBIT Growth (5y)

32.35%

Net Debt to Equity (avg)

2.40

Institutional Holding

68.82%

ROE (avg)

12.23%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.81

EV to EBIT

14.25

EV to EBITDA

14.07

EV to Capital Employed

1.59

EV to Sales

11.20

PEG Ratio

1.84

Dividend Yield

0.34%

ROCE (Latest)

11.14%

ROE (Latest)

11.28%

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company

NET SALES(Q)

Highest at Rs 477.32 cr

PBDIT(Q)

Highest at Rs 378.67 cr.

PAT(Q)

Highest at Rs 131.85 cr.

DEBT-EQUITY RATIO(HY)

Lowest at 2.41 times

PBT LESS OI(Q)

At Rs 171.50 cr has Grown at 27.4% (vs previous 4Q average

EPS(Q)

Highest at Rs 12.73

0What is not working for the Company

NO KEY NEGATIVE TRIGGERS

Loading Valuation Snapshot...

Here's what is working for Home First Finan

Net Sales - Quarterly

Highest at Rs 477.32 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Net Sales (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Highest at Rs 378.67 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

Highest at Rs 171.50 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term PBT trend is very positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

Highest at Rs 131.85 cr. and Grown

each quarter in the last five quarters

MOJO Watch

Near term PAT trend is very positive

PAT (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs 171.50 cr has Grown at 27.4% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs 134.65 Cr

MOJO Watch

Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 131.85 cr has Grown at 27.6% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs 103.30 Cr

MOJO Watch

Near term PAT trend is positive

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly

Highest at Rs 12.73

in the last five quarters

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Debt-Equity Ratio - Half Yearly

Lowest at 2.41 times

in the last five half yearly periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Here's what is not working for Home First Finan

Non Operating Income - Quarterly

Highest at Rs 1.73 cr

in the last five quarters

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating Income