Home First Finance Company India
Home First Finance Company India Share Price Chart
Home First Finance Company India last traded at ₹1,080.00 (2026-10-13). Over the past month the stock moved -10.0%, three months the stock moved -0.6%, year the stock moved -14.9%. Its closing range over 52 weeks is ₹929.70 – ₹1,253.45, with the latest close 13.8% below the high.
Closing prices up to 2026-10-13.
About Home First Finance Company India
Home First Finance Company India (HFFC) is a Housing Finance Company which offers home loan with 48 hours sanctions and hassle-free process. [1]
Offerings[1] The company is a technology-driven affordable housing finance company with a pan-India presence, focused on first-time homebuyers from families earning below Rs. 50,000 per month. Housing loans account for 83% of AUM with an average ticket size of ~Rs. 12 lakh. The company has a diversified lender base of 31 banks/FIs, positive ALM, no commercial paper exposure, and utilizes data-driven underwriting and proprietary credit scoring models. Its distribution network covers ~80% of India's affordable housing market.
Fundamentals
Quarterly Results
In the latest quarter (Jun 2026), Home First Finance Company India reported sales of ₹538.00 crore (+18.5%) and net profit of ₹160.00 crore (+34.5%), compared with the same quarter last year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Jun 2026 | 538.00 | 211.00 | 39.00 | 160.00 | 15.29 |
| Mar 2026 | 501.00 | 197.00 | 39.00 | 149.00 | 14.33 |
| Dec 2025 | 482.00 | 186.00 | 39.00 | 140.00 | 13.49 |
| Sep 2025 | 477.00 | 176.00 | 37.00 | 132.00 | 12.73 |
| Jun 2025 | 454.00 | 159.00 | 35.00 | 119.00 | 11.52 |
| Mar 2025 | 415.00 | 141.00 | 34.00 | 105.00 | 11.63 |
| Dec 2024 | 406.00 | 132.00 | 33.00 | 97.00 | 10.86 |
| Sep 2024 | 373.00 | 123.00 | 33.00 | 92.00 | 10.34 |
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +36.6% | +37.2% | +32.6% | +35.1% | +27.9% | +18.7% | +20.7% | +18.5% |
| Operating profit growth | +29.5% | +30.7% | +29.4% | +42.0% | +43.1% | +40.9% | +39.7% | +32.7% |
| Net profit growth | +24.3% | +22.8% | +26.5% | +35.2% | +43.5% | +44.3% | +41.9% | +34.5% |
| EPS growth | +22.7% | +21.7% | +23.3% | +16.7% | +23.1% | +24.2% | +23.2% | +32.7% |
| OPM % | 33.0% | 33.0% | 34.0% | 35.0% | 37.0% | 39.0% | 39.0% | 39.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Annual Financials
In the latest year (Mar 2026), Home First Finance Company India reported sales of ₹1,915.00 crore (+24.4%) and net profit of ₹540.00 crore (+41.4%), compared with the previous year.
| Period | Sales | Operating profit | OPM % | Net profit | EPS (₹) |
|---|---|---|---|---|---|
| Mar 2026 | 1,915 | 719.00 | 38.00 | 540.00 | 51.80 |
| Mar 2025 | 1,539 | 517.00 | 34.00 | 382.00 | 42.43 |
| Mar 2024 | 1,157 | 412.00 | 36.00 | 306.00 | 34.54 |
| Mar 2023 | 796.00 | 304.00 | 38.00 | 228.00 | 25.94 |
| Mar 2022 | 596.00 | 234.00 | 39.00 | 186.00 | 21.24 |
| Mar 2021 | 489.00 | 142.00 | 29.00 | 100.00 | 11.46 |
| Mar 2020 | 411.00 | 106.00 | 26.00 | 80.00 | 10.16 |
| Mar 2019 | 264.00 | 63.00 | 24.00 | 46.00 | 36.09 |
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|
| Sales growth | +82.1% | +55.7% | +19.0% | +21.9% | +33.6% | +45.4% | +33.0% | +24.4% |
| Operating profit growth | +65.8% | +68.3% | +34.0% | +64.8% | +29.9% | +35.5% | +25.5% | +39.1% |
| Net profit growth | +84.0% | +73.9% | +25.0% | +86.0% | +22.6% | +34.2% | +24.8% | +41.4% |
| EPS growth | +47.8% | -71.8% | +12.8% | +85.3% | +22.1% | +33.2% | +22.8% | +22.1% |
| OPM % | 24.0% | 26.0% | 29.0% | 39.0% | 38.0% | 36.0% | 34.0% | 38.0% |
Colour scale: below -5% -5% to 0% 0% to 5% 5% to 20% 20% and above. A dash means the earlier figure was zero or negative, so a percentage is not meaningful.
Shareholding
AI Analysis
Home First Finance trades at ₹1165.3, up 29% over 1 month and 30% YoY, reflecting strong institutional confidence (FII at 40.82%). The company delivers exceptional operational momentum with OPM expanding to 39% (Dec 2025) and NPM at 29%, supported by 18.6% TTM revenue growth (₹1828 Cr) and 62% profit growth to ₹496 Cr. Key structural concerns include negative operating cash flow (₹-2198 Cr in Mar 2025), high debt-to-equity of 2.40, and speculative retail participation (delivery % of 16.9%) suggesting current valuation may price in optimistic growth scenarios.
- Exceptional operating margin expansion: OPM improved from 34% (Mar 2025) to 39% (Dec 2025) with NPM at 29%, indicating superior pricing power and cost discipline in housing finance vertical
- Strong TTM revenue growth of 18.6% (₹1828 Cr) with 62% net profit CAGR (₹306 Cr to ₹496 Cr over 1 year), demonstrating scalable business model and earnings quality
- Top quartile sector performer (97th percentile rank) with dominant FII institutional backing (40.82% holding) and consistent inflows (+83 bps QoQ), signaling long-term conviction from foreign investors
- Severe negative operating cash flow (₹-2198 Cr in Mar 2025, worsening from ₹-1908 Cr in Mar 2024) despite strong net profit growth signals working capital stress, potential hidden asset quality issues, or unsustainable accrual-driven earnings — a red flag for cash conversion
- Valuation stretched at P/E 24.27 vs industry median 14.89 (1.63x premium) combined with high debt-to-equity of 2.40 leaves limited margin of safety; speculative retail trading (16.9% delivery %) and recent 29% 1-month rally increase reversal risk if growth expectations disappoint or RBI tightens credit policy
AI-generated analysis for informational purposes only — not SEBI-registered investment advice.
See Full AI Analysis — Free FREE →Latest News
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Home First Finance Company India allots 3,681 equity shares under ESOP - Business Standard
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Home First Finance Company India standalone net profit rises 34.45% in the June 2026 quarter - Business Standard
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Home First Finance Company India allots 8,543 equity shares under ESOP - Business Standard
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Stock to buy today: Home First Finance Company India (₹1,271) – BUY - BusinessLine
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Stock to buy today: Home First Finance Company India (₹1,271) – BUY - BusinessLine
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Volumes spurt at Home First Finance Company India Ltd counter - Business Standard
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Volumes spurt at Home First Finance Company India Ltd counter - Business Standard
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Home First Finance Company India Ltd assigned ESG score of 75 - scanx.trade
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Home First Finance Company India allots 66,740 equity shares under ESOP - Business Standard
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Buy Home First Finance Company; target of Rs 1450: ICICI Securities - Moneycontrol.com
Frequently Asked Questions
What is the share price of Home First Finance Company India today?
Home First Finance Company India shares were last quoted at ₹1,080.00 (+0.3% on the day). Use the Refresh price button on this page for the latest available price. Prices are for information only.
What is the P/E ratio of Home First Finance Company India?
Home First Finance Company India has a price-to-earnings (P/E) ratio of 20.19 and a price-to-book (P/B) ratio of 561.28. The industry P/E is 12.91.
What is the 52-week high and low of Home First Finance Company India?
The 52-week high of Home First Finance Company India is ₹1,313.00 and the 52-week low is ₹893.95.
What is the market cap of Home First Finance Company India?
The market capitalisation of Home First Finance Company India is about ₹11,737.74 crore.
How did Home First Finance Company India perform in its latest quarterly results?
In the latest quarter (Jun 2026), Home First Finance Company India reported sales of ₹538.00 crore (+18.5%) and net profit of ₹160.00 crore (+34.5%), compared with the same quarter last year.
Is Home First Finance Company India a good stock to buy?
This page is for information and is not investment advice. As per the data shown here, Home First Finance Company India has a 3-year ROE of 16.00%, 3-year profit growth of 33.00%. Review the fundamentals, quarterly results and AI analysis on StockSpin, and consult a SEBI-registered adviser before investing.
What is the promoter holding in Home First Finance Company India?
Promoters hold about 6.98% of Home First Finance Company India.
Which sector does Home First Finance Company India belong to?
Home First Finance Company India belongs to the Finance - Housing sector.