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Overview

Detailed Summary

Home First Finance Company India Limited (HFFC) specializes in providing affordable housing finance solutions across India. The core business is to offer home loans primarily to first-time home buyers in low and middle-income segments.
For Q3 FY26, HFFC's Profit After Tax (PAT) grew by 44% year-over-year to ₹140 crores. The company achieved an all-time high disbursement of ₹1318 crores in the quarter.
The company saw a robust growth in its Assets Under Management (AUM), recording a 24.9% year-over-year increase to ₹14,925 crores.
With a significant focus on technology and digital solutions, HFFC executes 81% of loan approvals through the account aggregator framework, and over 80% of loans are e-agreements.
A highly diversified geographical presence with 165 branches and 368 touchpoints enhances HFFC's ability to cater to a substantial portion of the Indian affordable housing market.

Sector: Finance
Industry: Housing Finance Company
Market Cap: 12,366 Cr
Volatility: High Risk
P/E Ratio: 22.9
Industry P/E: 19.0
PEG Ratio: 1.1
P/B Ratio: 2.8
52W High: 1,440.00
52W Low: 893.95

Sales CAGR

1Y: 24.82%
3Y: 34.27%
5Y: 32.04%
10Y: 39.99%

Profit CAGR

1Y: 41.43%
3Y: 33.27%
5Y: 40.09%
10Y: 58.07%

ROE

TTM: 12.40%
3Y: 13.65%
5Y: 13.26%
10Y: 11.99%

ROCE

TTM: 10.03%
3Y: 9.92%
5Y: 9.68%
10Y: 9.39%

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Financial Services Financial Services Finance Housing Finance Company

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
AADHARHFC		500.40	21,642 Cr	19.75	2.88	0.00	14.53	10.52	4.00
SAMMAANCAP		164.90	18,666 Cr	-2.61	0.98	0.00	-3.42	4.68	-9.62
APTUS		279.85	13,889 Cr	14.73	2.75	1.62	18.64	14.34	7.23
HOMEFIRST		1187.00	12,269 Cr	22.70	2.82	0.44	12.40	10.03	3.56
AAVAS		1390.00	10,938 Cr	22.29	2.90	0.00	13.00	8.96	2.97
CANFINHOME		816.00	10,841 Cr	9.60	1.81	1.84	18.16	8.74	2.55
INDIASHLTR		727.40	7,856 Cr	15.61	2.46	1.38	15.73	11.59	5.23
Median: 7 Co.	—	727.40	12,269 Cr	15.61	2.75	0.44	14.53	10.03	3.56

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	313	336	373	406	415	454	477	482	501	538
Expenses	58	68	75	81	84	94	99	102	109	118
Interest	146	157	176	193	190	200	203	194	195	208
Financing Profit	109	112	123	132	141	159	176	186	197	211
Financing Margin %	34.85	33.31	32.89	32.62	33.93	35.10	36.88	38.63	39.28	39.24
Other Income	4.99	4.91	1.32	1.50	1.53	1.65	1.73	1.43	3.33	1.83
Depreciation	3.23	3.46	3.62	4.12	4.33	4.39	4.54	4.88	5.10	5.30
Profit Before Tax	111	114	120	130	138	157	173	183	195	208
Tax %	24.63	22.68	23.37	24.98	24.08	24.03	23.89	23.32	23.44	23.01
Net Profit	83	88	92	97	105	119	132	140	149	160
EPS in Rs	7.77	8.22	8.61	9.15	9.88	11.36	12.44	13.29	14.22	—
Gross NPA %	1.70	2.90	1.70	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	1.20	1.30	1.30	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	93	143	260	399	477	596	791	1,137	1,530	1,915	1,999
Expenses	26	41	75	111	127	146	187	245	307	404	428
Interest	54	67	127	194	220	216	304	500	715	792	800
Financing Profit	13	36	59	94	130	234	300	393	508	719	770
Financing Margin %	13.62	25.09	22.62	23.47	27.17	39.25	37.89	34.52	33.19	37.53	38.54
Other Income	1.56	3.37	11	21	12	0.03	4.61	19	9.26	8.13	8.32
Depreciation	0.52	0.90	4.58	7.24	7.62	7.52	9.07	12	16	19	20
Profit Before Tax	14	38	65	107	134	226	295	400	502	708	759
Tax %	279.25	292.06	333.73	386.35	395.40	562.96	441.10	424.39	419.67	422.87	23.40
Net Profit	8.77	25	46	80	100	186	228	306	382	540	581
EPS in Rs	—	—	—	—	11.55	17.49	21.22	28.43	35.87	51.31	51.31
Dividend Payout %	—	—	—	—	—	—	969.23	990.29	1,137.03	992.12	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	10	10	13	16	17	18	18	18	18	21
Reserves	298	323	510	918	1,363	1,556	1,800	2,104	2,503	4,336
Borrowings	554	870	1,926	2,494	3,054	3,467	4,813	7,302	9,551	10,590
Other Liabilities	128	170	33	53	76	76	108	110	140	220
Total Liabilities	990	1,372	2,482	3,480	4,510	5,117	6,739	9,534	12,212	15,167
Fixed Assets	2.62	5.09	17	21	17	20	26	30	46	56
CWIP	0.00	1.05	0.00	0.00	0.00	0.00	0.05	0.18	0.23	0.26
Investments	0.00	0.00	103	146	375	0.00	281	379	360	812
Other Assets	988	1,366	2,361	3,314	4,118	5,097	6,432	9,125	11,805	14,298
Total Assets	990	1,372	2,482	3,480	4,510	5,117	6,739	9,534	12,212	15,167

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-226	-438	-791	-823	-223	-807	-1,469	-1,908	-2,198	-1,940
Cash from Investing Activity	-0.07	-4.75	-105	-108	-615	804	-267	-217	-0.21	-408
Cash from Financing Activity	328	289	1,059	893	900	411	1,353	2,470	2,217	2,197
Net Cash Flow	102	-154	163	-38	62	408	-382	345	19	-150

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Apr 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	23.60%	23.56%	23.45%	23.38%	14.31%	14.25%	12.47%	12.43%	12.39%	12.35%	6.99%	6.97%
FIIs	24.84%	25.09%	24.74%	25.52%	37.85%	35.96%	36.49%	37.19%	39.99%	40.82%	45.72%	43.90%
DIIs	11.72%	11.85%	11.96%	12.47%	18.34%	19.85%	21.24%	21.89%	28.83%	27.61%	27.53%	29.83%
Public	39.84%	39.50%	39.85%	38.62%	29.49%	29.93%	29.80%	28.49%	18.78%	19.22%	19.76%	19.30%
Total Shareholders	78,152	76,526	75,625	78,604	86,972	88,276	88,604	86,471	85,010	83,670	82,905	81,261

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Documents

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Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q1 FY25

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Financial Results

12 hours ago

Home First Q1 FY27 Financial Update

Home First Finance Company India Ltd reported Q1 FY27 results: AUM ₹16,938 Cr (+25.7% YoY), record disbursals ₹1,628 Cr, PAT ₹160 Cr (+34.5% YoY), stable asset quality (Gross Stage 3 1.8%).

Financial Results

12 hours ago

Home First Q1 FY27 Results Press Release

Home First reports Q1 FY27: AUM ₹16,938 Cr (+25.7% y-o-y), record disbursals ₹1,628 Cr, PAT ₹160 Cr (+34.5% y-o-y), stable asset quality (90+ DPD/Gross Stage 3 1.8%).

Investor Presentation

12 hours ago

Home First Investor Presentation Q1 FY27

Home First Finance Company India Ltd: Investor presentation on reviewed Q1 FY27 results (filed 2026-07-27). AUM ₹16,938cr (+25.7% YoY), disbursements ₹1,628cr, PAT ₹160cr (+34.5% YoY), net income ₹332cr; guidance ~25% AUM growth.

Investor Presentation

12 hours ago

Home First Q1 FY27 Investor Presentation

Home First Finance filed an investor presentation on reviewed Q1 FY27 results (quarter ended 30 Jun 2026): AUM ₹16,938 Cr (+25.7% YoY), disbursements ₹1,628 Cr, PAT ₹160 Cr, net income ₹332 Cr; asset quality stable.

Financial Results

12 hours ago

Home First Finance: Q1 FY27 Reviewed Results

Home First Finance Company India Ltd approved reviewed financial results for the quarter ended June 30, 2026 with limited review reports (unmodified). Board met on July 27, 2026; trading window opens July 30, 2026.

Financial Results

12 hours ago

Home First Finance approves Q1 FY27 results

Home First Finance Company India Ltd: Board approved reviewed financial results for quarter ended 30-Jun-2026; limited review reports with unmodified opinion; trading window to open on 30-Jul-2026.

Showing 1 - 6 of 12

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Frequently Asked Questions about Home First Finance Company India Ltd

Home First Finance Company India Ltd (HOMEFIRST) is currently trading at 1,187.00 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 (HFFC) specializes in providing affordable housing finance solutions across India. The core business is to offer home loans primarily to first-time home buyers in low and middle-income segments. For Q3 FY26, HFFC's Profit After Tax (PAT) grew by 44% year-over-year to ₹140 crores. The company achieved an all-time high disbursement of ₹1318 crores in the quarter. The company saw a robust growth in its Assets Under Management (AUM), recording a 24.9% year-over-year increase to ₹14,925 crores. With a significant focus on technology and digital solutions, HFFC executes 81% of loan approvals through the account aggregator framework, and over 80% of loans are e-agreements. A highly diversified geographical presence with 165 branches and 368 touchpoints enhances HFFC's ability to cater to a substantial portion of the Indian affordable housing market.

Over the past 52 weeks, Home First Finance Company India Ltd has traded between a low of ₹893.95 and a high of ₹1,440.00. 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 12,366.34. 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 22.88 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 12,366.34 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 22.88. 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 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.

The increased capex drives urban development and connectivity, creating new residential hubs in Tier 2 and Tier 3 cities where HomeFirst primarily operates, thus increasing the demand for affordable housing loans.

Home First Finance Company India Ltd

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

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Home First Q1 FY27 Financial Update

Home First Q1 FY27 Results Press Release

Home First Investor Presentation Q1 FY27

Home First Q1 FY27 Investor Presentation

Home First Finance: Q1 FY27 Reviewed Results

Home First Finance approves Q1 FY27 results

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)