Nifty

:

26068.15

Sensex

:

85231.92

-124.00 (-0.47%)
-400.76 (-0.47%)

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Nifty
Sensex

:
:

26068.15
85231.92

-124.00 (-0.47%)
-400.76 (-0.47%)

Home First Finance Company India Ltd.

Finance - Housing

Rating :

69/99

BSE: 543259 | NSE: HOMEFIRST

Watchlist

NSE BSE

1170.50

21-Nov-2025

Open
High
Low
Previous Close

1186.1
1186.1
1165.6
1187.00

Volume
Traded Value (lacs)
52 Week High
52 Week Low

232302
272107837.4
1519
878.4

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

12,182.68
26.90
2

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

20,244.35
0.31%
3.03

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

38.32
25.62
24.60

EBITDA CAGR (%)

10 Years
5 Years
3 Years

39.54
27.63
15.08

PAT CAGR (%)

10 Years
5 Years
3 Years

51.47
30.71
18.73

P:E (Median)

8 Years
5 Years
3 Years

-
-
30.08

P:BV (Average)

8 Years
5 Years
3 Years

-
-
3.91

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
16.72

Earnings Forecasts:

(Updated: 21-11-2025)

Description 2024 2025 2026 2027
Adj EPS 42.83 50.45 62.47 74.84
P/E Ratio 27.33 23.20 18.74 15.64
Revenue 1529.95 1105.6 1369.45 1657.19
EBITDA 1223.13 721.65 897.6 1070.75
Net Income 382.07 514.42 641.31 768.5
ROA 3.51 3.7 3.7 3.62
P/B Ratio 4.18 2.84 2.50 2.19
ROE 16.46 15.1 14.15 14.85
FCFF -2161.14
FCFF Yield -10.1
Net Debt 8641.69
BVPS 279.97 411.44 468.01 535.47

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 477.32 372.92 28.00% 453.61 336.42 34.83% 414.66 312.76 32.58% 405.95 296.31 37.00%
Expenses 98.65 74.70 32.06% 94.10 67.57 39.26% 83.66 57.90 44.49% 80.88 65.05 24.34%
EBITDA 378.67 298.22 26.98% 359.51 268.85 33.72% 331.00 254.86 29.88% 325.07 231.26 40.56%
EBIDTM 79.33% 79.97% 79.26% 79.91% 79.82% 81.49% 80.08% 78.05%
Other Income 1.73 1.32 31.06% 1.65 4.91 -66.40% 1.53 4.99 -69.34% 1.50 4.70 -68.09%
Interest 202.62 175.56 15.41% 200.28 156.77 27.75% 190.31 145.87 30.47% 192.63 130.21 47.94%
Depreciation 4.54 3.62 25.41% 4.38 3.46 26.59% 4.33 3.23 34.06% 4.12 3.01 36.88%
PBT 173.23 120.36 43.93% 156.50 113.52 37.86% 137.90 110.75 24.51% 129.82 102.74 26.36%
Tax 41.39 28.13 47.14% 37.61 25.75 46.06% 33.20 27.28 21.70% 32.43 23.92 35.58%
PAT 131.85 92.22 42.97% 118.89 87.77 35.46% 104.69 83.47 25.42% 97.38 78.82 23.55%
PATM 27.62% 24.73% 26.21% 26.09% 25.25% 26.69% 23.99% 26.60%
EPS 12.73 8.90 43.03% 11.48 8.47 35.54% 10.11 8.06 25.43% 9.40 7.61 23.52%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 1,751.54 1,529.95 1,137.45 790.99 595.67 489.12 398.66 259.98 132.09 91.58 59.66 Net Sales Growth 32.85% 34.51% 43.80% 32.79% 21.78% 22.69% 53.34% 96.82% 44.23% 53.50% Cost Of Goods Sold -0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 1,751.55 1,529.95 1,137.45 790.99 595.67 489.12 398.66 259.98 132.09 91.58 59.66 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 357.29 303.41 241.90 183.25 142.87 126.90 111.28 74.62 41.54 25.62 15.84 Power & Fuel Cost - 1.29 1.02 0.66 0.45 0.34 0.51 0.31 0.17 0.10 0.00 % Of Sales - 0.08% 0.09% 0.08% 0.08% 0.07% 0.13% 0.12% 0.13% 0.11% 0% Employee Cost - 194.41 148.34 107.01 80.77 66.13 61.08 43.17 24.95 15.00 8.58 % Of Sales - 12.71% 13.04% 13.53% 13.56% 13.52% 15.32% 16.61% 18.89% 16.38% 14.38% Manufacturing Exp. - 34.80 28.68 23.69 15.37 11.91 4.00 2.96 1.59 0.72 2.56 % Of Sales - 2.27% 2.52% 2.99% 2.58% 2.43% 1.00% 1.14% 1.20% 0.79% 4.29% General & Admin Exp. - 35.35 31.22 23.07 16.70 12.36 25.19 17.83 10.27 6.91 3.66 % Of Sales - 2.31% 2.74% 2.92% 2.80% 2.53% 6.32% 6.86% 7.78% 7.55% 6.13% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 38.85 33.65 29.48 30.04 36.51 21.00 10.65 4.72 3.00 0.00 % Of Sales - 2.54% 2.96% 3.73% 5.04% 7.46% 5.27% 4.10% 3.57% 3.28% 1.73% EBITDA 1,394.25 1,226.54 895.55 607.74 452.80 362.22 287.38 185.36 90.55 65.96 43.82 EBITDA Margin 79.60% 80.17% 78.73% 76.83% 76.02% 74.06% 72.09% 71.30% 68.55% 72.02% 73.45% Other Income 6.41 9.26 19.10 4.61 0.03 0.04 21.02 11.04 2.15 0.00 2.45 Interest 785.84 718.67 502.95 308.06 219.01 220.59 193.83 126.54 65.96 54.04 36.87 Depreciation 17.37 15.53 11.73 9.07 7.52 7.62 7.24 4.58 2.46 1.55 0.38 PBT 597.45 501.59 399.96 295.22 226.29 134.04 107.33 65.29 24.27 10.36 9.03 Tax 144.63 119.52 94.24 66.93 40.20 33.90 27.78 19.56 8.27 3.68 3.02 Tax Rate 24.21% 23.83% 23.56% 22.67% 17.76% 25.29% 25.88% 29.96% 34.07% 35.52% 33.44% PAT 452.81 382.07 305.72 228.29 186.10 100.14 79.55 45.72 16.00 6.68 6.01 PAT before Minority Interest 452.81 382.07 305.72 228.29 186.10 100.14 79.55 45.72 16.00 6.68 6.01 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 25.85% 24.97% 26.88% 28.86% 31.24% 20.47% 19.95% 17.59% 12.11% 7.29% 10.07% PAT Growth 32.29% 24.97% 33.92% 22.67% 85.84% 25.88% 73.99% 185.75% 139.52% 11.15% EPS 43.71 36.88 29.51 22.04 17.96 9.67 7.68 4.41 1.54 0.64 0.58

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 14
Shareholder's Funds 2,521.28 2,121.49 1,817.34 1,573.68 1,380.54 933.43 522.66 325.21 306.36 98.72 Share Capital 18.01 17.70 17.60 17.53 17.48 15.66 12.67 10.32 10.32 6.13 Total Reserves 2,445.75 2,064.78 1,775.75 1,542.40 1,353.44 910.33 505.82 308.82 292.69 92.60 Non-Current Liabilities 9,562.47 7,300.56 4,816.60 3,470.56 250.78 9.75 1.54 -4.51 -0.58 91.63 Secured Loans 9,550.70 7,296.31 4,813.47 3,464.28 239.59 0.00 0.00 0.00 0.00 91.10 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 9.39 7.38 5.96 4.54 3.24 6.64 2.96 1.87 2.04 0.77 Current Liabilities 242.15 226.95 197.25 116.93 2,908.06 2,537.03 1,955.90 1,049.89 685.31 25.23 Trade Payables 16.09 11.48 14.91 6.21 4.85 0.43 1.36 0.54 3.29 0.67 Other Current Liabilities 103.38 87.50 85.34 63.93 59.88 42.79 28.90 17.44 14.13 18.91 Short Term Borrowings 0.00 5.80 0.00 2.48 2,814.10 2,493.80 1,925.64 1,019.88 663.04 5.20 Short Term Provisions 122.69 122.16 97.00 44.31 29.23 0.00 0.00 12.04 4.84 0.45 Total Liabilities 12,325.90 9,649.00 6,831.19 5,161.17 4,539.38 3,480.21 2,480.10 1,370.59 991.09 215.58 Net Block 45.88 30.03 25.73 20.23 16.67 21.00 17.43 10.11 6.65 0.49 Gross Block 92.75 64.65 51.01 38.98 30.86 35.47 25.99 14.77 9.09 0.79 Accumulated Depreciation 46.87 34.62 25.29 18.75 14.19 14.47 8.56 4.66 2.44 0.30 Non Current Assets 10,696.26 8,174.17 6,022.15 4,325.33 3,718.18 3,180.47 2,255.05 1,319.90 795.97 163.13 Capital Work in Progress 0.23 0.18 0.05 0.00 0.00 0.00 0.00 1.05 0.00 0.28 Non Current Investment 0.00 0.00 0.00 0.00 375.01 145.56 102.92 0.00 0.00 0.00 Long Term Loans & Adv. 1,915.49 1,395.61 902.44 487.97 3,326.50 3,013.91 2,134.70 1,308.73 789.31 162.36 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 1,629.63 1,474.83 809.04 835.85 821.20 299.74 225.05 50.70 195.12 52.44 Current Investments 360.24 378.81 280.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 5.55 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash & Bank 938.24 821.51 298.41 667.85 679.87 222.06 191.98 30.22 182.15 47.87 Other Current Assets 325.61 147.97 122.73 116.99 141.33 77.68 33.07 20.48 12.97 4.58 Short Term Loans & Adv. 122.71 126.53 107.10 51.00 40.39 9.95 4.10 14.31 6.85 0.82 Net Current Assets 1,387.49 1,247.88 611.78 718.92 -2,086.86 -2,237.29 -1,730.85 -999.19 -490.19 27.22 Total Assets 12,325.89 9,649.00 6,831.19 5,161.18 4,539.38 3,480.21 2,480.10 1,370.60 991.09 215.57

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 14
Cash From Operating Activity -2,198.34 -1,907.68 -1,468.53 -807.03 -222.93 -823.19 -790.57 -506.40 -272.90 -86.07 PBT 501.59 399.96 295.22 226.29 134.04 107.33 65.29 24.27 10.36 2.31 Adjustment -702.16 -571.08 -431.67 -273.41 -183.97 9.49 3.42 18.61 4.53 6.88 Changes in Working Capital -2,507.95 -2,161.50 -1,703.35 -969.97 -347.40 -916.02 -842.66 -536.70 -283.06 -95.26 Cash after chg. in Working capital -2,708.52 -2,332.62 -1,839.80 -1,017.09 -397.33 -799.20 -773.96 -493.81 -268.18 -86.07 Interest Paid -717.58 -508.86 -298.80 -222.82 -203.32 0.00 0.00 0.00 0.00 0.00 Tax Paid -109.43 -90.10 -72.03 -43.68 -29.82 -23.99 -16.61 -12.59 -4.72 0.00 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 1,337.19 1,023.89 742.10 476.56 407.53 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -0.21 -217.38 -266.59 803.96 -614.97 -108.07 -105.49 56.25 -14.01 2.26 Net Fixed Assets -28.15 -13.77 -12.08 -8.12 4.61 -9.48 -10.17 -6.73 -8.02 -0.75 Net Investments 18.57 -98.01 -280.80 375.01 -229.45 -42.64 -102.92 0.00 0.00 0.00 Others 9.37 -105.60 26.29 437.07 -390.13 -55.95 7.60 62.98 -5.99 3.01 Cash from Financing Activity 2,217.20 2,469.98 1,352.92 411.41 899.60 893.26 1,058.77 357.18 379.86 100.13 Net Cash Inflow / Outflow 18.65 344.91 -382.19 408.34 61.69 -38.00 162.71 -92.97 92.95 16.31 Opening Cash & Equivalents 580.48 235.56 617.76 209.42 147.72 185.72 23.01 115.98 23.03 31.56 Closing Cash & Equivalent 599.13 580.48 235.56 617.76 209.42 147.72 185.72 23.01 115.98 47.87

Financial Ratios

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Book Value (Rs.) 273.58 235.27 203.75 178.00 156.86 118.26 409.29 309.15 293.58 398.86 ROA 3.48% 3.71% 3.81% 3.84% 2.50% 2.67% 2.37% 1.35% 0.84% 1.26% ROE 16.81% 15.78% 13.62% 12.70% 8.72% 11.01% 10.92% 5.14% 2.95% 4.84% ROCE 11.35% 11.25% 10.34% 9.40% 9.02% 10.25% 10.11% 7.80% 8.65% 10.52% Fixed Asset Turnover 19.44 19.67 17.58 17.06 14.75 12.97 12.76 11.07 16.00 31.33 Receivable days 1.32 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 4.49 6.78 23.96 51.72 38.73 Cash Conversion Cycle 1.32 0.00 0.00 0.00 0.00 -4.49 -6.78 -23.96 -51.72 -38.73 Total Debt/Equity 3.88 3.51 2.68 2.22 2.23 2.69 3.71 3.20 2.19 2.38 Interest Cover 1.70 1.80 1.96 2.03 1.61 1.55 1.52 1.37 1.19 1.24

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Annual Reports:

News Update:

Home First Finance - Quarterly Results
5th Nov 2025, 00:00 AM

Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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