HOMEFIRST

Home First Finance Company India Limited

Affordable housing finance company for low- and middle-income home buyers

Financial Services›Financial Services›Finance›Housing Finance Company

homefirstindia.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹1099.80
Market cap
11,483 Cr
Stock P/E
19.8
P/B
2.63
Dividend yield
0.3%
ROE (FY26)
12.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Home First (Home First Finance Company India) is a housing finance company that lends mainly individual home loans to customers in the affordable housing segment, through a branch network across India.

Company snapshot

6thBy market cap

Ranked among 14 companies in Housing Finance Company.

What we see

Positives
  • ✓Net margin of 28.2% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income————————————
Other income5 Cr5 Cr5 Cr5 Cr1 Cr2 Cr2 Cr2 Cr2 Cr1 Cr3 Cr2 Cr
Net operating income5 Cr5 Cr5 Cr5 Cr1 Cr2 Cr2 Cr2 Cr2 Cr1 Cr3 Cr2 Cr
Employee cost37 Cr39 Cr37 Cr42 Cr50 Cr51 Cr52 Cr60 Cr60 Cr64 Cr65 Cr76 Cr
Other expenses17 Cr19 Cr19 Cr20 Cr19 Cr20 Cr24 Cr22 Cr24 Cr24 Cr28 Cr26 Cr
Provisions & contingencies————————————
Depreciation3 Cr3 Cr3 Cr3 Cr4 Cr4 Cr4 Cr4 Cr5 Cr5 Cr5 Cr5 Cr
Profit before tax96 Cr103 Cr111 Cr114 Cr120 Cr130 Cr138 Cr156 Cr173 Cr183 Cr195 Cr208 Cr
Tax %23.0%23.3%24.6%22.7%23.4%25.0%24.1%24.0%23.9%23.3%23.4%23.0%
Net profit74 Cr79 Cr83 Cr88 Cr92 Cr97 Cr105 Cr119 Cr132 Cr140 Cr149 Cr160 Cr
EPS (₹)₹8.43₹8.93₹9.43₹9.90₹10.36₹10.90₹11.65₹11.69₹12.76₹13.52₹14.35₹15.31

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income—————————Sign in free for the trailing twelve months
Other income2 Cr11 Cr21 Cr12 Cr0.03 Cr5 Cr19 Cr9 Cr8 CrSign in free for the trailing twelve months
Net operating income2 Cr11 Cr21 Cr12 Cr0.03 Cr5 Cr19 Cr9 Cr8 CrSign in free for the trailing twelve months
Employee cost25 Cr43 Cr61 Cr66 Cr81 Cr107 Cr148 Cr194 Cr249 CrSign in free for the trailing twelve months
Other expenses14 Cr24 Cr34 Cr29 Cr40 Cr58 Cr71 Cr84 Cr98 CrSign in free for the trailing twelve months
Provisions & contingencies—————————Sign in free for the trailing twelve months
Depreciation2 Cr5 Cr7 Cr8 Cr8 Cr9 Cr12 Cr16 Cr19 CrSign in free for the trailing twelve months
Profit before tax24 Cr65 Cr107 Cr134 Cr226 Cr295 Cr400 Cr502 Cr708 CrSign in free for the trailing twelve months
Tax %34.1%30.7%26.1%25.3%17.8%22.7%23.6%23.8%23.6%Sign in free for the trailing twelve months
Net profit16 Cr45 Cr79 Cr100 Cr186 Cr228 Cr306 Cr382 Cr540 CrSign in free for the trailing twelve months
EPS (₹)₹3.10₹7.82₹10.77₹12.37₹21.26₹26.01₹34.65₹42.83₹52.35Sign in free for the trailing twelve months
Dividend payout %———0.0%0.0%0.0%7.5%7.9%7.1%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital10 Cr13 Cr16 Cr17 Cr18 Cr18 Cr18 Cr18 Cr21 Cr
Reserves315 Cr510 Cr918 Cr1,363 Cr1,556 Cr1,800 Cr2,104 Cr2,503 Cr4,336 Cr
Borrowings1,020 Cr1,926 Cr2,494 Cr3,054 Cr3,467 Cr4,813 Cr7,302 Cr9,551 Cr10,590 Cr
Other liabilities20 Cr33 Cr52 Cr76 Cr76 Cr106 Cr110 Cr140 Cr220 Cr
Total liabilities1,365 Cr2,482 Cr3,480 Cr4,510 Cr5,117 Cr6,737 Cr9,534 Cr12,212 Cr15,167 Cr
Fixed assets (net)10 Cr17 Cr20 Cr16 Cr20 Cr25 Cr30 Cr45 Cr54 Cr
CWIP0.79 Cr—————0 Cr0.09 Cr0.19 Cr
Investments—103 Cr146 Cr375 Cr0 Cr281 Cr379 Cr360 Cr812 Cr
Loans & advances———3,327 Cr4,305 Cr5,996 Cr8,143 Cr10,649 Cr13,133 Cr
Trade receivables——————0 Cr6 Cr8 Cr
Cash & bank23 Cr186 Cr148 Cr209 Cr618 Cr236 Cr580 Cr599 Cr449 Cr
Other assets1,331 Cr2,177 Cr3,166 Cr583 Cr174 Cr200 Cr401 Cr553 Cr711 Cr
Total assets1,365 Cr2,482 Cr3,480 Cr4,510 Cr5,117 Cr6,737 Cr9,534 Cr12,212 Cr15,167 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-506 Cr-791 Cr-827 Cr-223 Cr-807 Cr-1,451 Cr-1,908 Cr-2,198 Cr-1,940 Cr
Cash from investing56 Cr-105 Cr-108 Cr-615 Cr804 Cr-284 Cr-217 Cr-0.21 Cr-408 Cr
Cash from financing357 Cr1,059 Cr897 Cr900 Cr411 Cr1,353 Cr2,470 Cr2,217 Cr2,197 Cr
Net cash flow-93 Cr163 Cr-38 Cr62 Cr408 Cr-382 Cr345 Cr19 Cr-150 Cr
Free cash flow (OCF − Capex)-511 Cr-797 Cr-832 Cr-226 Cr-811 Cr-1,458 Cr-1,916 Cr-2,210 Cr-1,949 Cr

Ratios

MetricMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4.9%8.6%8.5%7.3%11.8%12.6%14.4%15.2%12.4%
Debt / equity3.143.682.672.212.202.653.443.792.43