Home First Finance Company India Ltd
Fundamental Score
Home First Finance Company India Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of HOMEFIRST across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Return on Equity (16.46%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (78.17%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (42.96%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (28.00%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (30.23% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (33.09% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (36.87% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Institutional Confidence (FII+DII: 68.83%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Elevated Debt Levels (D/E: 2.40)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.76x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-6637.39 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Low Promoter Commitment (12.39%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Home First Finance Company India Ltd
About HOMEFIRST
Business Overview
Home First Finance Company India Limited operates as a housing finance company in India. It offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. The company also offers loans through mobile application. It serves salaried professionals, self-employed individuals, and small business owners, as well as corporates. The company was incorporated in 2010 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
HOMEFIRST Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Home First Finance Company India Ltd (HOMEFIRST)?
As of 30 Jan 2026, 01:40 pm IST, Home First Finance Company India Ltd (HOMEFIRST) is currently trading at ₹1178.70. The stock has a market capitalization of ₹11.50K (Cr).
Is HOMEFIRST share price Overvalued or Undervalued?
HOMEFIRST is currently trading at a P/E ratio of 25.41x, compared to the industry average of 18.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Home First Finance Company India Ltd share price?
Key factors influencing HOMEFIRST's price include its quarterly earnings growth (Sales Growth: 28.00%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Home First Finance Company India Ltd a good stock for long-term investment?
Home First Finance Company India Ltd shows a 5-year Profit Growth of 36.87% and an ROE of 16.46%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.40 before investing.
How does Home First Finance Company India Ltd compare with its industry peers?
Home First Finance Company India Ltd competes with major peers in the Housing Finance Company. Investors should compare HOMEFIRST's P/E of 25.41x and ROE of 16.46% against the industry averages to determine its competitive standing.
What is the P/E ratio of HOMEFIRST and what does it mean?
HOMEFIRST has a P/E ratio of 25.41x compared to the industry average of 18.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹25 for every ₹1 of annual earnings.
How is HOMEFIRST performing according to Bull Run's analysis?
HOMEFIRST has a Bull Run fundamental score of 55.6/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does HOMEFIRST belong to?
HOMEFIRST operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Home First Finance Company India Ltd.
What is Return on Equity (ROE) and why is it important for HOMEFIRST?
HOMEFIRST has an ROE of 16.46%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Home First Finance Company India Ltd generates profits from shareholders' equity.
How is HOMEFIRST's debt-to-equity ratio and what does it indicate?
HOMEFIRST has a debt-to-equity ratio of 2.40, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is HOMEFIRST's dividend yield and is it a good dividend stock?
HOMEFIRST offers a dividend yield of 0.33%, which means you receive ₹0.33 annual dividend for every ₹100 invested.
How has HOMEFIRST grown over the past 5 years?
HOMEFIRST has achieved 5-year growth rates of: Sales Growth 30.23%, Profit Growth 36.87%, and EPS Growth 33.09%.
What is the promoter holding in HOMEFIRST and why does it matter?
Promoters hold 12.39% of HOMEFIRST shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is HOMEFIRST's market capitalization category?
HOMEFIRST has a market capitalization of ₹11505 crores, placing it in the Mid-cap category.
How volatile is HOMEFIRST stock?
HOMEFIRST has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for HOMEFIRST?
HOMEFIRST has a 52-week high of ₹N/A and low of ₹N/A.
What is HOMEFIRST's operating profit margin trend?
HOMEFIRST has a 5-year average Operating Profit Margin (OPM) of 78.17%, indicating the company's operational efficiency.
How is HOMEFIRST's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 28.00% and YoY Profit Growth of 42.96%.
What is the institutional holding pattern in HOMEFIRST?
HOMEFIRST has FII holding of 39.99% and DII holding of 28.84%. Significant institutional holding often suggests professional confidence in the stock.