Home First Finance Company India Limited has informed the Exchange about Transcript
HOMEFIRST · price
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Home First Finance shared its Q4 and FY25 earnings call transcript highlighting strong full-year performance. AUM grew 31.1% YoY to Rs. 12,713 crores, with FY25 disbursements at Rs. 4,805 crores (up 21.2% YoY). PAT rose 25% to Rs. 382 crores with ROE of 16.5% for the year and 17% in Q4. The company successfully raised Rs. 1,250 crores via QIP in April 2025, boosting proforma capital adequacy to 51% and reducing leverage to 3.3x. Asset quality remained stable with Gross Stage 3 at 1.7%, early delinquencies improving sequentially, and credit costs contained at 30 bps. Cost of borrowing held at 8.4% and NIM expanded 20 bps QoQ to 5.1%. Management targets AUM of Rs. 20,000 crores by FY27 and Rs. 35,000 crores by FY30, with disbursement growth guided at 20-25% for FY26.
For shareholders, this is a positive update — strong growth, successful capital raise, stable asset quality, and clear multi-year targets signal confidence. ROE will see optical compression post-QIP before recovering to 15%+ in 6-7 quarters; the stock may get a boost from clarity on growth trajectory and potential credit rating upgrade within 6 months.