Earnings Call/Transcript
Home First Finance Q2 FY27 Earnings Call Transcript
Home First Finance Company India Ltd filed the transcript of its Q2 FY27 earnings call held on October 28, 2026, with an audio recording available on its website.
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Home First Finance Company India Ltd (HOMEFIRST) is currently trading at 1,123.80 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Home First Finance Company India Limited is a technology-driven affordable housing finance company serving first-time home buyers and low- and middle-income customers through housing loans, commercial property finance and loans against property. Its operating model combines branch-led distribution, technology-enabled underwriting and a granular retail loan portfolio across 13 Indian states and union territories. HomeFirst delivered its highest-ever quarterly disbursement of ₹1,705 crore in Q2FY27, while AUM crossed ₹18,000 crore and increased 27.0% year-on-year. The combination of 32.2% disbursement growth and stable asset quality indicates that expansion has not yet resulted in visible portfolio stress. Profitability improved faster than the loan book, with PAT rising 29.1% year-on-year to ₹170 crore and ROA remaining strong at 4.2%. Cost-to-income improved to 30.8% from 32.7% sequentially, suggesting operating leverage from the expanding branch and touchpoint network. The company maintains substantial financial buffers, including ₹2,666 crore of liquidity, 39.8% CRAR and a 46.4% provision coverage ratio. However, spreads narrowed by 10 basis points to 5.2%, highlighting the continuing importance of funding costs, pricing discipline and liability diversification. HomeFirst is deepening its financial-inclusion and sustainability positioning: 56% of AUM serves economically weaker and low-income segments, while Green Homes certifications reached 650. The company also received ASSOCHAM recognition for ESG and financial inclusion, reinforcing its responsible-lending narrative.
Over the past 52 weeks, Home First Finance Company India Ltd has traded between a low of ₹893.95 and a high of ₹1,313.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Home First Finance Company India Ltd has a market capitalization of approximately 11,304.41. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Home First Finance Company India Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 18.24 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 11,304.41 Cr, Home First Finance Company India Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Home First Finance Company India Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Home First Finance Company India Ltd is 18.24. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The board meeting was scheduled for October 27, 2026, while a separate announcement said results would be reported on October 28, 2026. An analyst call is scheduled for October 28 at 4:00 PM IST.
The company has scheduled a board meeting for July 27, 2026 to consider the audited financial results.
Home First Finance scheduled one-on-one meetings with institutional investors and analysts on July 29 and July 30, 2026.
The company has scheduled a board meeting on July 27, 2026 to approve the Q1 FY27 financial results for the quarter ended June 30, 2026.
Earnings Call/Transcript
Home First Finance Company India Ltd filed the transcript of its Q2 FY27 earnings call held on October 28, 2026, with an audio recording available on its website.
Change in Directors/KMP
Home First Finance informed that Independent Director Anuj Srivastava ceased to hold office after completing his five-year tenure, effective October 31, 2026.
Finance
Housing Finance Company
11,752 Cr
High Risk
19.0
15.9
1.1
2.4
1,313.00
893.95
Sales CAGR
Profit CAGR
ROE
ROCE
