Home First Finance Company India Limited has informed the Exchange regarding a press release dated July 25, 2025, titled "Investor Press Release on the Financial and Operational Performance of the Company for the quarter ended June 30, 2025".
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Awaiting price reaction for this filing.
Home First Finance Company reported a strong Q1FY26 with Assets Under Management rising 28.6% year-on-year to ₹13,479 Cr and Profit After Tax jumping 35.5% to ₹119 Cr. The company successfully completed a ₹1,250 Cr Qualified Institutional Placement, boosting net worth to ₹3,855 Cr, and received a long-term credit rating upgrade to AA 'Stable' from ICRA, India Ratings and CARE. Disbursements grew 7% YoY to ₹1,243 Cr, while total income rose 33.4% to ₹455 Cr with cost-to-income improving 140 bps to 34.2%. However, early-stage asset quality weakened slightly, with 1+ DPD rising 90 bps QoQ to 5.4% and 30+ DPD up 50 bps to 3.5%, though GNPA remained controlled at 1.8%. Capital position remains very strong with CRAR at 49.6% and liquidity buffer of ₹3,379 Cr, and the company maintained its credit cost guidance of 30–40 bps.
Positive for shareholders — strong AUM and PAT growth, fresh capital, and a credit rating upgrade signal financial strength and growth runway. Slight watch on rising early delinquencies, though overall asset quality and spreads remain stable.