Home First Finance Company India Limited

NSE

HOMEFIRST

Stock

Yield per half year: +19.31%
Dividend yield: 0.2845%
Sector: Financials

Reporting Home First Finance Company India Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
Capitalization, bln ₹					53.22	69.99	73.55		107.05	107.05	75.95	19.09
Revenue, bln ₹	0.9158	1.31	2.35	3.59	4.06	4.78	7.91	6.08	7.82	7.82	6.13	14.01
Net profit, bln ₹	0.1036	0.16	0.4572	0.7955	1	1.86	2.28	3.06	3.82	3.82	2.40	30.74
EV, bln ₹			17.4	23.46	81.66	98.77	106.47	148.59	179.47	179.47	122.99	17.06
EBIT, bln ₹	-0.269	-0.1286	-0.2505	-0.3486	-0.1912	3.02	6.02	3.11	12.14	12.14	4.82	-329.38
EBITDA, bln ₹	0.0000	0.3053	0.5349	0.8183	1.16	4.52	6.11	3.23	12.29	12.29	5.46	60.33
OIBDA, bln ₹				2.97	3.51	4.36	9.84	9.05	14.35	14.35	8.22	32.53
Book value, bln ₹	9.94	3.24	5.23	9.34	13.81	15.74	18.17	21.21	25.21	25.21	18.83	12.79
FCF, bln ₹	0.1438	-5.11	-7.97	-8.32	-2.26	-8.11	-14.58	-19.16	-22.1	-22.1	-13.2420	57.78
Operating Cash Flow, bln ₹	0.1605	-5.06	-7.91	-8.27	-2.23	-8.07	-14.51	-19.08	-21.98	-21.98	-13.1740	58.03
Operating profit, bln ₹	0.0156	0.2669	0.4174	0.6744	0.8988	1.7	6.02	8.88	5.87	5.87	4.67	45.54
Operating expenses, bln ₹	0.276	0.196	0.3117	0.482	0.4135	0.5368	0.6512	1.54	1.94	1.94	1.02	36.23
CAPEX, bln ₹	0.0168	0.0442	0.0665	0.0423	0.0265	0.0352	0.0715	0.08	0.1193	0.1193	0.0665	35.11

	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2020Q1	2021Q1	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
Capitalization, bln ₹									66.81			67.63				84.83							73.09	8.29
Revenue, bln ₹													2.08	2.6	2.51	2.67	3.18	3.41	3.42	3.71	-2.73	4.14	2.39	3.96
Net profit, bln ₹													0.6403	0.6912	0.7431	0.7882	0.8347	0.8777	0.9223	0.9738	1.05	1.19	1.00	6.28
EV, bln ₹										98.87	116.55	108.89	106.54	120.62	130.59		146.18		203.98		180.1	218.3	175.83	10.82
EBIT, bln ₹													0.5729	0.9772	0.6626	0.5477	1.13	1.19	0.9448	1.04	1.46	1.28	1.18	1.47
EBITDA, bln ₹													0.5977	1	0.691	0.5778	1.17	1.23	0.981	1.09	1.5	1.32	1.22	1.42
OIBDA, bln ₹																0.3373	1.47	2.6	1	1.16	2.09	1.41	1.65	-11.52
Book value, bln ₹													18.17	18.68	19.47	19.47	21.21	21.21	22.89	22.89	25.21	38.55	26.15	12.69
FCF, bln ₹						-2.23	0.0329	0.0317		0.0467	0.0449	0.0465	0.1123	0.0529	0.0569	0.0601							0.0657	5.27
Operating Cash Flow, bln ₹						-2.21	0.0329	0.0317		0.0467	0.0449	0.0465	0.1123	0.0529	0.0569	0.0601							0.0657	5.27
Operating profit, bln ₹													0.5729	0.9772	0.6626	0.5477	1.13	2.25	0.9448	1.04	1.64	1.28	1.43	-10.67
Operating expenses, bln ₹													0.1953	0.1773	0.185	0.2139	0.5516	0.979	0.2141	0.233	0.6493	0.2505	0.4652	-23.86
CAPEX, bln ₹	0.0198	0.0198	0.0134	0.0134	0.0115	0.0115																	0.0139	-10.30

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
Cash, bln ₹	1.16	0.2301	1.86	1.48	2.09	6.18	2.36	5.8	9.38	9.38	5.16	35.02
Short-Term Investments ₹	0.6617	0.072	1.09	2.35	8.79	0.4299	3.44	2.41	10.32	10.32	5.08	3.26
Accounts Receivable ₹	0.0553	0.0403	0.8266	1.43	0.9626	1.13	1.18	1.4	1.84	1.84	1.30	13.83
Total Current Assets ₹	1.16	0.3068	2.96	4.72	12.04	13.96	62.95	89.65	115.93	115.93	58.91	57.29
Net assets, bln ₹		0.1055	0.1676	0.2048	0.164	0.2	18.17	21.21	25.21	25.21	12.99	173.74
Assets, bln ₹	1.18	13.64	24.82	34.8	45.1	51.17	67.37	95.34	122.12	122.12	76.22	22.05
Short-Term Debt ₹	5.45	8.68	3.19	5.46	8.19	8.87	10.72	14.27		14.27	9.50	21.18
Long-Term Debt ₹		10.2	19.26	19.48	22.35	34.67	48.13	73.02	95.51	95.51	54.74	33.71
Liabilities, bln ₹	0.1032	10.4	19.59	25.46	31.3	35.43	49.2	74.12	96.9	96.9	57.39	25.36
Net debt, bln ₹	-1.15	9.97	17.4	23.46	28.44	28.49	45.78	67.22	86.12	86.12	51.21	24.81
Debt, bln ₹		18.88	22.45	24.94	30.54	34.67	48.13	73.02	95.51	95.51	56.37	25.61
Interest Income ₹				0.1234	0.211	0.3465	0.3973				0.2695	33.95
Interest Expense, bln ₹		0.005	0.0071	0.0094	0.0082	0.0085	0.1919	0.305	0.31	0.31	0.1647	106.78
Net interest income, bln ₹		-0.0125	-0.0166	-0.0261	0.1753	0.3046	0.3492			0.3973	0.1573	-283.90
Goodwill ₹	0.0799	0.1384	0.1721	0.2252	0.2765	0.3211	0.4062				0.2802	18.74
Amortization, bln ₹	0.269	0.4339	0.7854	1.17	1.35	1.51	0.0907	0.1173	0.1553	0.1553	0.6447	-35.11
Cost of production, bln ₹	0.5362	0.8512	1.62	2.43	2.75	2.85	4.11	0.8165	0.2016	0.2016	2.15	-40.70
Inventory ₹	-10.66	-13.76	1.87	-0.6264	0.1129	6.14	58.71	88.25		88.25	30.52	-369.01

	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
Cash, bln ₹							6.18		2.8	3.68	2.36	5.44	4.15		8.22		7.48		9.38	17.29	9.30	33.03
Short-Term Investments ₹				0.5074	0.5074	0.4299	0.4299		0.4169		0.6285		0.7355		2.41		4.88		10.32		3.79	75.01
Accounts Receivable ₹			34.22		36.37		1.13		51.45		1.18				1.4		94.53		106.55		51.02	15.67
Total Current Assets ₹				41.31	41.31	13.96	13.96		54.67		62.95		75.16		89.65		106.91		115.93		90.12	12.99
Net assets, bln ₹			0.164		0.1794		0.2		0.2228		62.95					21.21	22.89	22.89	25.21	38.55	26.15	12.69
Assets, bln ₹							51.17		59.55	65.48	67.37	76.06	80.43		95.34		113.09		122.12	136.73	109.54	11.20
Short-Term Debt ₹	5.46	6.33	8.19			8.87	8.87				10.72				14.27				18.99		12.34	16.44
Long-Term Debt ₹			22.35		30.75		34.67		41.54		48.13		60.02		73.02		88.67		95.51		73.07	14.69
Liabilities, bln ₹										47.99	49.2	57.38	60.97		74.12	-21.21	90.19	-22.89	96.9	98.18	48.23	-235.86
Net debt, bln ₹							28.49		38.74	43.34	45.78	50.83	55.87		64.81		81.19		86.12	79.46	73.49	7.30
Debt, bln ₹							43.53		41.54	47.01	58.85	56.26	60.02		73.02		88.67		95.51	96.74	82.79	10.02
Interest Expense, bln ₹						0.3117	0.3117	0.1676	0.1798	0.1195	0.9288										0.3415	24.40
Amortization, bln ₹											0.0248	0.0265	0.0285	0.0301	0.0323	0.0346	0.0362	0.0412	0.0433	0.0439	0.0398	4.88
Cost of production, bln ₹											1.2	1.09	1.54	1.69	1.49	1.6	2.26	2.43	1.7	2.61	2.12	10.28
Inventory ₹							6.14				58.71				88.25		0.0694				38.29	-67.39

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS		5.23	10.53	12.18	20.85	25.2	33.67	42.07	42.07	26.79	28.13
Share price				774.2	731.65	930.1	1055.55	1178.7	1178.7	934.04	8.77
Number of shares, mln	64.5	79.94	82.86	89.37	89.25	90.58	90.8	90.82	90.82	90.16	0.32
FCF/share	-79.2	-99.72	-100.37	-25.24	-90.82	-160.98	-210.98	-243.38	-243.38	-146.2800	57.34

	2018Q4	2019Q4	2020Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Average for 5 quarters	CAGR 5
EPS								7.06	7.61	8.17	8.65	9.19	9.65	10.07	10.65	11.45	11.48		10.66	3.53
Share price					760.97	855.71	751.81	729.86	735.09	833.97	930.91					1016.7	1267.9	1178.7	1045.64	7.16
Number of shares, mln	64.5	79.94	82.86	89.37			89.96				91.12								86.65	2.65
FCF/share	-22.15						0.5173	1.24	0.5826	0.6256	0.66								0.7251	4.99

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %	1.04	4.93	8.75	8.52	7.25	12.6	12.56	14.41	15.15	15.15	14.76	12.39	15.88
ROA, %	8.77	1.17	1.84	2.29	2.22	3.87	3.39	3.21	3.13	3.13	4.55	3.16	7.11
ROIC, %							3.79	3.56		3.56	11.05	3.67	-3.08
ROS, %	11.31	12.17	19.43	22.19	24.66	38.9	28.88	50.31	48.88	48.88	48.23	38.33	14.66
ROCE, %	-24.95	-3.97	-4.79	-3.73	-1.39	7.24	33.12	14.66	48.15	48.15	27.76	20.36	-303.20
EBIT margin				53.72	55.68	63.08	76.13	51.19	155.3	155.3	42.51	80.28	22.77
EBITDA margin	0.0011	23.23	22.73	22.82	28.52	94.59	77.27	53.12	157.29	157.29	44.51	82.16	40.71
Net margin	11.31	12.17	19.43	22.19	24.66	38.9	28.88	50.31	48.88	48.88	48.23	38.33	14.66
Operational efficiency, %	1.7	20.31	17.73	18.81	22.13	35.49	76.13	146.16	75.13	75.13	54.85	71.01	27.69
FCF yield, %					-4.24	-11.58	-19.83		-20.65	-20.65	-15.02	-14.0750	48.56

	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	Industry average	Average for 5 quarters	CAGR 5
ROE, %				3.52	3.7	4.1	4.22	3.93	4.14	4.03	4.25	4.15	3.08			14.76	3.93	-5.74
ROA, %	1.18	0.9113	0.8972	0.9504	0.9088	0.9497		0.8755		0.8155		0.8573	0.8696			4.55	0.8735	-1.75
ROS, %						29.56	29.52	26.27	25.71	26.99	26.24	-38.41	28.74	48.88	48.88	48.23	22.87	13.25
ROCE, %			3.65	3.15	5.23	0.9169		5.35		4.13		5.77	3.32	48.15	48.15	27.76	21.90	63.43
EBIT margin						26.35	20.51	35.72	34.88	27.65	28.14	-53.42	30.93	155.3	155.3	42.51	63.25	40.72
EBITDA margin						27.49	21.64	36.73	35.9	28.71	29.25	-55	31.99	157.29	157.29	44.51	64.16	40.00
Net margin				30.74	26.61	29.56	29.52	26.27	25.71	26.99	26.24	-38.41	28.74			48.23	13.85	2.25
Operational efficiency, %						26.35	20.51	35.72	65.85	27.65	28.14	-60	30.93	75.13	75.13	54.85	29.87	21.70
FCF yield, %			0.0688				0.0709									-15.02	0.0698	1.51

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E					53.14	37.77	26.58	26.62	28.02	28.02	28.06	34.43	-12.01
P/BV					3.85	4.47	3.34	3.84	4.25	4.25	4.37	3.95	2.00
P/S					13.1	14.69	8.28	13.39	13.7	13.7	12.41	12.63	0.90
P/FCF					-23.59	-8.63	-5.04	-3.49	-4.84	-4.84	12.37	-9.1180	-27.15
E/P					0.0188	0.0266	0.031	0.0458	0.0357	0.0357	0.06	0.0316	13.68
EV/EBIT				12.18	29.39	32.74	17.69	47.77	14.78	14.78	0.54	28.47	-12.84
EV/EBITDA			24.65	28.67	70.51	21.83	17.43	46.04	14.6	14.6	-66.13	34.08	-27.02
EV/S				6.54	20.11	20.65	13.47	24.45	22.96	22.96	14.11	20.33	2.69
EV/FCF				-2.82	-36.2	-12.19	-7.3	-7.76	-8.12	-8.12	21.89	-14.3140	-25.84
Debt/EBITDA		61.84	41.97	30.48	26.37	7.66	7.88	22.62	7.77	7.77	-93.98	14.46	-21.68
Netdebt/EBITDA	-115014.5	32.65	32.53	28.67	24.56	6.3	7.49	20.82	7.01	7.01	-97.76	13.24	-22.18
Debt/Ratio		1.38	0.9047	0.7167	0.6771	0.6775	0.7145	0.7659	0.7821	0.7821	0.27	0.7234	2.93
Debt/Equity		5.82	4.3	2.67	2.21	2.2	2.65	3.44	3.84	3.84	6.22	2.87	11.68
Debt/Net Income		118.02	49.1	31.35	30.49	18.63	21.08	23.89	25	25	11.59	23.82	-3.89
PEG									3.51	3.51	0.92	3.51	0.00
Beta							1.06	1.04	-1.92	-1.92	0.48	0.0600	-221.90
Altman Index					1.63	1.9	1.38	0.97	1.43	1.43	-30.91	1.46	-2.58

	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	2025Q4	Industry average	Average for 5 quarters	CAGR 5
P/E				115.13	26.46	28.22	27.97	30.46	26.66	28.39	35.69	26.68	24.58				28.06	28.40	-1.61
P/BV		4.47	4.62	3.87	3.34	3.74	3.84	4.36	3.84		5.36		3.73				4.37	4.23	-0.58
P/S				35.03	8.25	8.31	8.16	8.84	7.44	7.82	9.64	7.02	7.4				12.41	7.86	-0.11
P/FCF				1453.19				1410.48						-3.49	-4.84	-4.84	12.37	570.10	-131.95
E/P	0.0069			0.0087				0.0093						0.0458	0.0357	0.0357	0.06	0.0270	32.63
EV/EBIT							197.11		128.81		215.9		123.7	170.63	14.78	14.78	0.54	107.96	-41.51
EV/EBITDA		37.31	44.44	40.73	46.15	120.18	44.22		125.24		207.93		120.13	164.98			-66.13	132.50	30.13
EV/S						46.43	51.95		46.01		59.7		-66.08	52.78	22.96	22.96	14.11	18.46	-17.40
EV/FCF						2279.22	2295.16							-7.76	-8.12	-8.12	21.89	910.08	-132.39
Debt/EBITDA				71.1	98.47	56.06	86.85		62.56		90.39		63.71	73.11	7.77	7.77	-93.98	48.55	-38.78
Netdebt/EBITDA				65.54	76.6	50.64	80.85		55.52		82.76		57.45	60.05	7.01	7.01	-97.76	42.86	-38.96
Debt/Ratio		0.8508			0.8735	0.7397	0.7462		0.7659		0.7841		0.7821	0.7076	0.7821	0.7821	0.27	0.7676	-0.05
Debt/Equity		2.77			3.24	3.01	3.08		3.44		3.87		3.79	2.51	3.84	3.84	6.22	3.57	-0.16
Debt/Net Income		72.33			91.91	81.4	80.77		87.49		96.15		91.23	81.37	25	25	11.59	63.75	-23.62
PEG														2.99	3.51	3.51	0.92	3.34	5.49
Beta													0.6092	2.19	3.94	-1.92	0.48	1.20	-233.24
Altman Index													1.06	1.08	1.43	1.43	-30.91	1.25	7.77

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
Dividend payout, bln	0.000613	0.002	0.229	0.3012		0.3012		0.1332	370.81
Dividend			2.6	3.4	3.7	3.7		3.23	12.48
Dividend yield, %			0.1996	0.3188	0.2845	0.2845	0.95	0.2676	12.54
Dividends / profit, %	1.02	1.88	10.03	7.49	7.88	7.88	20.19	5.66	50.52
Dividend coverage ratio			9.97	10.15	12.68	12.68	9.13	10.93	8.34

	2023Q2	2025Q2	2025Q3	2025Q4	Industry average	Average for 5 quarters	CAGR 5
Dividend	2.6					2.60	0.00
Dividend yield, %	0.3537				0.95	0.3537	0.00
Dividend coverage ratio		10.15	12.68	12.68	9.13	11.84	7.70

	Industry average	Average for 5 quarters	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Revenue, %	1.18	0.6518	0.7367	0.9049	1.32	1.53	1.53	18.61
Staff, people				993	993			0.00

	CAGR 5

	CAGR 5

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