Home First Finance Company India Limited has informed the Exchange regarding a press release dated November 04, 2025, titled "Investor Press Release on the Financial and Operational Performance of the Company for the quarter and half year ended September 30, 2025".
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Home First Finance reported strong Q2FY26 results with Assets Under Management (AUM) at ₹14,178 Cr, up 26.3% year-on-year and 5.2% quarter-on-quarter. Profit After Tax (PAT) jumped 43% YoY to ₹132 Cr, while total income rose 28% YoY to ₹479 Cr. Disbursements grew 9.6% YoY to ₹1,289 Cr, supported by an expanded network of 163 branches and 366 touchpoints across 13 states. Asset quality remained stable with Gross Stage 3 (GNPA) at 1.9% and credit costs steady at around 40 bps. The company lowered its cost of borrowings by 30 basis points QoQ to 8.1%, helping spreads widen to 5.3%. Return on Assets improved to 3.8% and Cost-to-Income ratio fell sharply to 32% from 36.7% a year ago. Capital position is strong with CRAR at 48.4% and a liquidity buffer of ₹4,280 Cr.
Positive for shareholders — robust AUM growth, improving profitability, controlled asset quality, and easing cost of borrowings suggest healthy momentum heading into H2FY26. Reported ROE appears diluted at 13.4% due to a recent equity raise but underlying earnings power remains strong at a pre-money 16.7%.