Companies›Financial Services›Financial Services›Finance
NSE:HOMEFIRST

HOME FIRST FIN CO IND LTD

Financial Services › Finance·NIFTY 500NIFTY MIDSMALLCAP 400NIFTY MIDSMALLCAP400 50:50NIFTY SMALLCAP 250+4
₹1,020.00
at close · 27 Oct 2026
▲ 10.00 (+0.99%)
ThemesArtificial Intelligence· growing

Latest filings

Next results: Tue, 27 Oct · Financial Results
  1. CFO joins team responsible for stock exchange disclosures · Compliance
  2. Rinkoo Somani appointed Chief Financial Officer · Management Changes
  3. Q2 FY27 profit rises 29.1% as assets cross ₹18,000 crore · Investor Communications
All filings ↓
Ask Nexa about HOME FIRST FIN CO IND LTD

Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Provides home loans to the affordable housing segment in India and earns the spread between its lending rate and cost of borrowing. Operates a branch-led network of 171 branches and 373 touch points with 1,855 employees, sourcing customers through branches and a developer-led model piloted in Mumbai and Pune. Loan book (AUM) stood at INR15,878 crore at end-FY26 and rose to INR16,938 crore by Q1 FY27, with quarterly disbursements of INR1,572 crore in Q4 FY26 and INR1,628 crore in Q1 FY27. Portfolio yield was 13.2% against a 7.9% cost of borrowing, producing a spread of 5.3% and a net interest margin of 5.9% in Q4 FY26. Asset quality has tightened, with Stage 3 (gross NPA) at 1.8% of book and 1+ days-past-due at 4.7%. Also runs a co-lending arrangement with bank partners, with its own co-lending disbursements doubling YoY to INR307 crore in FY26. The main cost lines are interest expense on borrowings and employee costs, with employee cost at 13% of revenue and operating cost-to-assets guided at 2.6-2.7%.

Operating scale
AUM (FY26)
INR15,878 croreFY26
AUM (Q1 FY27)
INR16,938 croreQ1 FY27
Q4 FY26 disbursements
INR1,572 crore (record)Q4 FY26
Branch network
171 branches, 373 touch points, 1,855 employeesFY26
Spread (ex-co-lending)
5.3% (portfolio yield 13.2% vs borrowing cost 7.9%)Q4 FY26
Asset quality
Gross Stage 3 1.8%; 1+ DPD 4.7%; 30+ DPD 3.2%FY26
Who pays it
Affordable housing segment home loan borrowers across India, including through developer-led sourcing in cities such as Mumbai and Pune
Biggest cost
Interest expense on borrowings (cost of borrowing 7.9%); employee cost at 13% of revenue
Kind of business
Asset-heavy, interest-rate-sensitive housing finance lender focused on affordable housing
Where it sits
Affordable-housing-focused HFC with AUM of INR15,878 crore at FY26 end and a CRAR of 44.1% (Tier I 43.8%) following a INR1,250 crore QIP
Market Cap
₹10,662 Cr
P / E (TTM)
18.2×
EV / EBITDA
—
Div Yield
0.36%
Growth
32.0%▲
Revenue 5y CAGR
PAT +40.1% · EBITDA +33.2%
Quality
—·
ROCE (FY26)
ROE 12.6% (5y median) · margin 79.3%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY21→FY26
4.0×▲
Margin +7.2 pts
₹477 Cr → ₹1,915 Cr
Moves on a normal day
1.22%·
Median daily move
Last 268 sessions · the yardstick for filing-day moves
Where it sits among 19 Housing Finance Company peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#13/17
P/B#15/17
ROE#7/17
EBITDA margin#8/19
Revenue growth#6/19
Profit growth#6/20

Scorecard

Measured from the filed financials, judged against its Housing Finance Company peers · as of FY26 — not investment advice

Strengths
Revenue compounding 32% a year over 5 years
Profit compounding 40% a year over 5 years
Profit grew in every one of the last 5 years
Concerns
EPS grew slower than profit — the share count rose (bonus or dilution)

Charts

How has the market priced it — with filings on the timeline?

HOMEFIRST · price

Loading chart…

▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

Loading peers…

Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

Loading financials…

Ownership

Who owns it — and is the promoter stake clean?

Loading shareholding…

Sign up to see the full company file

Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.

Common questions

Answered from HOME FIRST FIN CO IND LTD's filed financials and exchange disclosures

What does HOME FIRST FIN CO IND LTD do?

HOME FIRST FIN CO IND LTD is a Finance company listed on NSE and BSE, trading under the symbol HOMEFIRST.

Is HOME FIRST FIN CO IND LTD profitable?

Yes. Over the trailing twelve months HOME FIRST FIN CO IND LTD reported a net profit of ₹581 Cr on revenue of ₹1,999 Cr.

Does HOME FIRST FIN CO IND LTD pay a dividend?

Yes. The dividend yield is 0.36% at the current price. It paid out 7% of its profit as dividend in FY26.

Is HOME FIRST FIN CO IND LTD expensive compared with its peers?

On trailing P/E, HOME FIRST FIN CO IND LTD ranks 13 of 17 in Housing Finance Company — cheaper than 25% of them, against an industry median of 10.3×. This is a position, not a valuation judgement.

How much does the HOME FIRST FIN CO IND LTD share price move in a day?

On a typical session HOME FIRST FIN CO IND LTD moves 1.22% — that is the median absolute close-to-close move across its last 268 trading days. MarketPing measures each filing's price reaction against it.

When are HOME FIRST FIN CO IND LTD's next results?

Financial Results on Tue, 27 Oct. MarketPing alerts you on WhatsApp the moment the filing lands.

Where can I track HOME FIRST FIN CO IND LTD's announcements?

Every NSE and BSE filing by HOME FIRST FIN CO IND LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.