Home First Finance Company India Limited share price
NSE: HOMEFIRST · ISIN INE481N01025
Key numbers
- Market cap
- ₹ 11,744 Cr
- Current price
- ₹ 1,123.10
- 52-week high / low
- ₹ 1,318 / 894
- Stock P/E
- 20.3
- Book value
- ₹ 417.6
- Dividend yield
- 0.46%
- ROCE
- 5.5%
- ROE
- 15.7%
- Debt to equity
- 2.43
- Sales growth (3 yrs)
- 33.7%
- Profit growth (3 yrs)
- 33.3%
- 1-year return
- -11.3%
About Home First Finance Company India Limited
Home First Finance Company India Limited operates as a housing finance company in India. The company offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. It also provides insurance loan products and loans through mobile applications. The company serves salaried professionals, self-employed individuals, informal earners, and small business owners, as well as corporates. Home First Finance Company India Limited was incorporated in 2010 and is headquartered in Mumbai, India.
Quarterly results
Consolidated figures in ₹ crores
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 380 | 414 | 449 | 454 | 485 |
| Operating profit | 115 | 132 | 169 | 167 | 176 |
| Net profit | 105 | 119 | 140 | 149 | 160 |
| EPS (₹) | 11.65 | 11.69 | 13.52 | 14.35 | 15.31 |
Concall summary (2026-08-04)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- We remain confident of delivering 25% AUM growth while maintaining our focus on profitability, portfolio quality and operating efficiency.
- As we continue to invest for growth, we expect this ratio to broadly remain range bound within 2.6%, 2.7%. • Pre-provision operating profit was INR224 crore, up 32.9% year-on-year.
Growth & demand
- Profit after tax increased by 7 .0% sequentially and 34.5% year -on-year to INR160 crore, supported by 38.2% growth in Net Interest Income.
- So, you were saying that there was good volume growth and value growth in this quarter for the 31% disbursement growth.
Margins & costs
- With respect to income, yields and margin: • Total income for the quarter was INR540 crore, up by 18.6% on a year-on-year basis and 7% sequentially. • Portfolio yield Ex co-lending stood at 13.1%, while disbursement yields was at 13.0%.
- This reflects continued pricing discipline and quality of new customer acquisition. • On the liability side, proactive management of our borrowing mix led to a further 10 basis point sequential reduction, bringing cost of borrowing down to 7.8%.
Capex & expansion
- We have begun FY27 on a strong note with healthy growth in disbursements and assets under management, robust earnings growth, stable asset quality and continued investment in our distribution and technology capabilities.
- The remaining markets continued to deliver consistent AUM expansion with stable asset quality.
Balance sheet & cash
- Incremental borrowing cost during the quarter remained favo urable at 7.6%.
- The growth in pre -provision profit demonstrates the operating leverage in the franchise as the balance sheet scales. • Profit after Tax increased to INR160 crore, up by 34.5% year -on-year and 7% sequentially.
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