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Home First Finance Company India
Mid Cap•1,634 Employees•IPO 2021
Current Price
₹987.70
-14.9 (-1.49%)Updated
Today's Range
978.1
₹987.70
999.4
52 Week Range
52W Low₹878.40
52W High₹1519.00
₹987.70
Downside12.44%
Upside53.79%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹12,285.37 Cr
Market Cap
Total market value of companyP/E Ratio
24.54
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
3.14
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹48.92
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
7.24%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
11.40%
ROCE
Return on Capital Employed. >15% is goodNet Margin
29.52%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
34.20%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
27.99%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
34.80%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
35.50%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
3.80
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹279.97
Book Value
Net asset value per shareDividend Yield
0.31%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
12.40%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
3 points- •Home First Finance shows strong profitability with a 79.80% OPM and 16.50% ROE, indicating efficient capital use and high shareholder returns. Quarterly profits grew by 35.50%, demonstrating consistent financial performance.
- •The company shows impressive quarterly sales growth of 34.80%, indicating robust demand and market expansion. A healthy Return on Capital Employed (ROCE) of 11.40% further supports sustainable growth and operational efficiency.
Weaknesses
3 points- •Home First Finance has a substantial debt-to-equity ratio of 3.79, indicating high financial leverage. This exposes the company to significant financial risk, especially during economic downturns or rising interest rates.
- •The relatively low promoter holding of 12.4% raises concerns about corporate governance and risks from a less concentrated ownership. This could lead to share price volatility and influence strategic decisions.
Opportunities
3 points- •The robust quarterly sales growth of 34.80% indicates strong demand, suggesting opportunities for further market penetration and expansion within the growing housing finance sector.
- •The company operates in the "Housing Finance Company" sector, which generally benefits from government initiatives and increasing demand for affordable housing, presenting significant growth avenues.
Threats
3 points- •The high debt-to-equity ratio of 3.79 exposes the company to significant interest rate risk. Rising rates could increase borrowing costs, negatively impacting net interest margins and overall profitability.
- •Operating in a competitive "Housing Finance Company" sector, the company faces intense competition from larger players, potentially limiting market share growth and pricing power.
Segment-wise Financial Analysis
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Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹1041.30 | +₹53.60 | +5.43% |
| R3 | ₹1020.00 | +₹32.30 | +3.27% |
| R2 | ₹1009.70 | +₹22.00 | +2.23% |
| R1 | ₹998.70 | +₹11.00 | +1.11% |
| PIVOT | ₹988.40 | 0.70 | 0.07% |
| CURRENT | ₹987.70 | - | - |
| S1 | ₹934.80 | -₹52.90 | -5.36% |
| S2 | ₹956.10 | -₹31.60 | -3.20% |
| S3 | ₹967.10 | -₹20.60 | -2.09% |
| S4 | ₹977.40 | -₹10.30 | -1.04% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-50.7% vs avg
3.46L
(13 Mar 2026)Delivery %-0.9% vs avg
52.9%
(13 Mar 2026)Avg Volume (20D)20-day average
7.01L
(13 Feb - 13 Mar)Avg Delivery %Trend ↓
53.8%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %
Peer Comparison
| Company Name |
|---|
 Aadhar Housing Finance Ltd |
 AAVAS Financiers Ltd |
 Aptus Value Housing Finance India Ltd |
 Bajaj Housing Finance Ltd |
 Can Fin Homes Ltd |
 GIC Housing Finance Ltd |
 IIFL Finance Ltd |
 India Shelter Finance Corporation Ltd |
 LIC Housing Finance Ltd |
 PNB Housing Finance Ltd |
 Reliance Home Finance Ltd |
 Sammaan Capital Ltd |
About
Home First Finance Company India Ltd
HomeFirst Finance Company India Limited is a housing finance company based in Mumbai, India, established in 2010. Its core business revolves around providing a diverse range of home loans to cater to a broad spectrum of Indian borrowers. The company's loan portfolio encompasses various needs within the housing sector, solidifying its position as a significant player in the Indian mortgage market.
The company's loan offerings are comprehensive, extending beyond basic home purchases. HomeFirst provides financing for home construction, renovations, and the purchase of shops or resale properties. This multifaceted approach allows them to target a wider customer base and address various stages of homeownership, from initial purchase to subsequent improvements and expansions. The availability of top-up loans further enhances the flexibility and convenience offered to existing customers.
HomeFirst's target market is intentionally inclusive, aiming to serve a broad range of individuals and entities. They extend their services to salaried professionals, self-employed individuals, small business owners, and even corporate clients. This diverse clientele reflects the company's commitment to accessibility and broad market penetration within the Indian housing finance landscape. This strategy potentially allows for diversified risk management across different income segments.
Adding to its modern approach, HomeFirst leverages technology to streamline its lending process. The company offers loan applications and potentially other services through a mobile application, reflecting a commitment to enhancing customer convenience and accessibility in an increasingly digital India. This digital platform may allow for quicker processing times and a more efficient customer experience compared to traditional methods.
In summary, HomeFirst Finance Company India Limited operates as a versatile and accessible housing finance company catering to a wide range of customers and loan requirements. Its diversified loan products, inclusive target market, and adoption of technology position it for continued growth and competitiveness within the dynamic Indian housing finance sector.
COMPANY FACTS - HOMEFIRST
Registered Address
511, Acme Plaza, Opposite Sangam Cinema, J B Nagar, Andheri East
Mumbai
MAHARASHTRA
IN
Tel: 918880549911
Website:https://homefirstindia.com/
Investor Relations:https://homefirstindia.com/investor-relations/
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 1,634
IPO Date: 03/02/2021
MANAGEMENT - HOMEFIRST
Mr. Deepak Satwalekar
Non-Executive Independent Chairman of the Board
Mr. Manoj Viswanathan
Chief Executive Officer, Founder, Managing Director, Director
Mr. Ajay Khetan
Deputy Chief Executive Officer, Chief Business Officer
Ms. Nutan Patwari
Chief Financial Officer
Mr. Ramakrishna Vyamajala
Chief Human Resources Officer
Mr. Gaurav Mohta
Chief Marketing Officer
Mr. Shreyans Bachhawat
Compliance Officer, Company Secretary
Mr. Ashish Darji
Chief Risk Officer
Ms. Harshita Dixit
Head of Internal Audit
Mr. Arunchandra Jupalli
Business Head - South
Mr. Rupesh Mehta
Head of Information Technology
Ms. Vilasini Subramaniam
Head - Strategic Alliances
Investor Questions Answered
Home First Finance Company India Ltd (HOMEFIRST) Stock FAQs
Get answers to the most common questions about Home First Finance Company India Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Home First Finance Company India Ltd (HOMEFIRST) is ₹987.7. Today, the stock has declined by ₹14.90 (1.49%), trading in a range of ₹978.1 to ₹999.4. The stock opened at ₹994.1 with a trading volume of 3,45,821 shares.
Home First Finance Company India Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹12,285.37 crores, P/E ratio of 24.54, ROE of 7.24%, and ROCE of 11.40%. The dividend yield stands at 0.31%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Home First Finance Company India Ltd (HOMEFIRST) is ₹1,519, while the 52-week low is ₹878.4. Currently trading at ₹987.7, the stock is 17.1% away from its 52-week low and 35.0% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Home First Finance Company India Ltd stock at ₹987.7 depends on multiple factors. The stock is currently trading with a P/E ratio of 24.54 and P/B ratio of N/A. Today's performance shows a loss of 1.49%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Home First Finance Company India Ltd offers a dividend yield of 0.31%, which means for every ₹100 invested at the current price of ₹987.7, you can expect to receive approximately ₹0.31 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Home First Finance Company India Ltd's key financial metrics include: P/E Ratio: 24.54, P/B Ratio: N/A, ROE: 7.24%, ROCE: 11.40%, Dividend Yield: 0.31%, EPS: ₹48.92, Book Value: ₹279.97, Debt-to-Equity: 3.80, and Current Ratio: N/A. The company's market cap stands at ₹12,285.37 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Home First Finance Company India Ltd stock opened at ₹994.1 and is currently trading at ₹987.7, showing a decline of ₹14.90 (1.49%). The intraday high is ₹999.4 and low is ₹978.1. The trading volume stands at 3,45,821 shares, indicating moderate market participation today.
Home First Finance Company India Ltd has a Price-to-Earnings (P/E) ratio of 24.54, which means investors are willing to pay ₹24.54 for every ₹1 of earnings. With an EPS of ₹48.92, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
Home First Finance Company India Ltd has a market capitalization of ₹12,285.37 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹987.7) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Home First Finance Company India Ltd has a book value of ₹279.97 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹987.7, which is 252.8% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Home First Finance Company India Ltd has a Return on Equity (ROE) of 7.24% and Return on Capital Employed (ROCE) of 11.40%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Home First Finance Company India Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Home First Finance Company India Ltd has a debt-to-equity ratio of 3.80, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Home First Finance Company India Ltd has an Earnings Per Share (EPS) of ₹48.92, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹987.7 and P/E ratio of 24.54, investors are paying 24.54 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Home First Finance Company India Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Home First Finance Company India Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Home First Finance Company India Ltd stock, consider: 1) Fundamental Analysis - Review P/E (24.54), ROE (7.24%), debt-to-equity (3.80), and growth rates. 2) Technical Analysis - Check 52-week range (₹878.40 - ₹1519.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹987.70) with book value (₹279.97) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Home First Finance Company India Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹987.7 is 49285x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Home First Finance Company India Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹878.40 - ₹1519.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.80 indicates leverage. 4) Liquidity Risk - Based on trading volume of 3,45,821 shares. 5) Valuation Risk - P/E of 24.54 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Home First Finance Company India Ltd operates in the industry with key metrics: P/E ratio of 24.54, ROE of 7.24%, market cap of ₹12,285.37 crores, and dividend yield of 0.31%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.80), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Home First Finance Company India Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹987.7, with a 52-week range of ₹878.40 to ₹1519.00. Based on fundamentals like P/E (24.54), ROE (7.24%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Home First Finance Company India Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹987.70. 2) Fundamental Deterioration - Declining ROE (currently 7.24%), increasing debt (D/E: 3.80), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Home First Finance Company India Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.31%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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