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NIFTY SHARIAH 254,850.15+0.42%
GOLD 24K (10g)₹75,420+0.38%
SILVER (1kg)₹88,400-0.12%
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Home First Finance Company India Limited

Home First Finance Company India Limited

NSE: HOMEFIRST
Mortgage FinanceFinancial ServicesMID CAPMCap ₹11.50k Cr
₹1,099.80₹-12.90 (-1.16%)

Market Closed • NSE

Market cap₹11.50k Cr
Enterprise value₹21.20k Cr
P/E TTM19.90
Forward P/E13.99
P/B2.63
EPS TTM₹55.28
Forward EPS₹78.63
D/E2.44
Dividend yield0.00%
52W high₹1,317.70
52W low₹893.70
Price chart(1Y)
1Y Return:-0.86% (₹9.50)
H: ₹1,289.6L: ₹1,037.5
1W+2.13%
1M-6.26%
3M-14.08%
6M-6.30%
1Y-11.53%
Today at a glance

Day range

₹1,091.10₹1,120.60

52 week range

₹893.70₹1,317.70
Volume57.4K0.24x 20D avg
Free float50.00%-76.00% volume

Home First Finance Company India Limited closed at INR1099.80 (-1.16%) on volume 0.24x its 20-day average, trading 16.54% below its 52-week high.

Technical analysis
RSI (14)42.5Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹37.26High
SMA 20₹1,127.42BEARISH
SMA 50₹1,165.07BEARISH
SMA 100₹1,164.24BEARISH
SMA 200₹1,130.47BEARISH
CPR bottom₹1,109.55
Pivot₹1,110.60
CPR top₹1,111.65
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +7% QoQ

2026-05-29

DIVIDEND Announced

Dividend - Rs 5.20 Per Share

2025-05-30

DIVIDEND Announced

Dividend - Rs 3.70 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL2/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹10.59k Cr₹11.50k Cr92.09%≤ 33%FAIL
Non-halal income ratio₹90.6 Cr₹1.66k Cr5.47%≤ 5%FAIL
Illiquid assets ratio₹14.72k Cr₹15.17k Cr97.04%≥ 20%PASS
Receivables ratio–₹15.17k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E19.9016.50
Forward P/E13.99—
P/B2.631.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield5.006.10
Growth & profitability
RevenuePAT
FY24PAT margin 31.20%
FY25PAT margin 28.80%
FY26PAT margin 32.60%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+26.20%
Revenue CAGR 5Y+11.10%
PAT CAGR 3Y+12.30%
PAT CAGR 5Y+12.10%
Operating margin66.04%
Net margin51.43%
Financial health & cash flow
Net debt₹10.14k CrModerate
Interest coverage14.20xEBIT / interest
CFO / PAT-4.48x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-193978.4 Lakh
Capital expenditure–
Free cash flow₹-194933.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation60/100
Profitability50/100
Financial health35/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Attractive Valuation: P/E of 19.9x trades below sector historical averages

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 2.44x

Bull case

Market Leadership: Established operational scale in Mortgage Finance.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
29 May 2026Dividend₹5.20 / share—29 May 2026
30 May 2025Dividend₹3.70 / share—30 May 2025
07 Jun 2024Dividend₹3.40 / share—07 Jun 2024
19 May 2023Dividend₹2.60 / share—19 May 2023
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)54.02%-6.91% latest vs average
Highest delivery75.15%on 06 Oct
Average volume (20D)238.9KTrading-session average
Conviction trendWeakening-6.91% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Home First Finance Company India Limited
Home First Finance Company India Limited

Home First Finance Company India Limited operates as a housing finance company in India. The company offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. It also provides insurance loan products and loans through mobile applications. The company serves salaried professionals, self-employed individuals, informal earners, and small business owners, as well as corporates. Home First Finance Company India Limited was incorporated in 2010 and is headquartered in Mumbai, India.

IndiaFinancial Services

Questions investors ask
Is Home First Finance Company India Limited Shariah compliant?

Home First Finance Company India Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (92.09%) exceeds AAOIFI threshold (≤ 33%). Non-permissible interest income (5.47%) exceeds 5% threshold.

What is Home First Finance Company India Limited's current valuation relative to peers?

Home First Finance Company India Limited trades at a P/E of 19.9x compared to the sector median of 16.5x, and a Price-to-Book of 2.6x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 2.44x. Interest coverage is 14.2x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 11.1% while net profit growth averaged 12.1%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.