Home First Finance Company India Ltd.
NSE: HOMEFIRST · Housing Finance Company
Snapshot
Unlock Home First Finance Company India Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Home First Finance Company India Limited is a technology-driven housing finance company that provides home loans to low and middle-income individuals. The company focuses on the affordable housing segment, offering products for home purchase, construction, renovation, and loans against property.
Business Model
The company generates revenue primarily through net interest margins earned on housing and property-backed loans provided to salaried and self-employed customers. It leverages a digital-first approach to streamline loan origination, underwriting, and customer service.
Growth Outlook
Growth is driven by the rising demand for affordable housing in India and the company's expansion into new geographies. Continued investment in digital infrastructure is expected to improve operational efficiency and customer acquisition.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its target segment of low and middle-income borrowers who may be more sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its customer base.
- Liquidity and Funding Risk. As a non-banking financial company, it relies on consistent access to debt markets and bank funding to maintain its lending operations.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the affordable housing sector could adversely affect business operations.
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Key Metrics
REVENUE
₹1,999 Cr
TTM · standalone
NET PROFIT
₹581 Cr
TTM · standalone
EPS
₹55.94
TTM · standalone
RETURN ON EQUITY
16.9%
TTM · standalone
P/E
21.6x
Q1 FY27 · standalone
EBITDA MARGIN
79.0%
TTM · standalone
NET PROFIT MARGIN
29.7%
Q1 FY27 · standalone
Peers · Housing Finance Company
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Can Fin Homes Ltd.CANFINHOME | ₹10,751 Cr | 9.52 | — | 8.2% | 92.1% | 20.5% | 26.9% | +6.7% |
Aavas Financiers Ltd.AAVAS | ₹10,341 Cr | 15.04 | — | 13.3% | 73.9% | 14.6% | — | -17.2% |
India Shelter Finance Corporation LimitedINDIASHLTR | ₹7,366 Cr | 13.89 | — | 25.7% | 72.3% | 17.9% | — | -25.7% |
As of Q1 FY27
Financials
Home First Finance Company India Ltd.
NSE: HOMEFIRST · Housing Finance Company
Snapshot
Unlock Home First Finance Company India Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Home First Finance Company India Limited is a technology-driven housing finance company that provides home loans to low and middle-income individuals. The company focuses on the affordable housing segment, offering products for home purchase, construction, renovation, and loans against property.
Business Model
The company generates revenue primarily through net interest margins earned on housing and property-backed loans provided to salaried and self-employed customers. It leverages a digital-first approach to streamline loan origination, underwriting, and customer service.
Growth Outlook
Growth is driven by the rising demand for affordable housing in India and the company's expansion into new geographies. Continued investment in digital infrastructure is expected to improve operational efficiency and customer acquisition.
Key Risks
- Credit Risk. The company is exposed to potential defaults from its target segment of low and middle-income borrowers who may be more sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its customer base.
- Liquidity and Funding Risk. As a non-banking financial company, it relies on consistent access to debt markets and bank funding to maintain its lending operations.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the affordable housing sector could adversely affect business operations.
Start your research today
Unlock AI insights, financials, peers and live data on Home First Finance Company India Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,999 Cr
TTM · standalone
NET PROFIT
₹581 Cr
TTM · standalone
EPS
₹55.94
TTM · standalone
RETURN ON EQUITY
16.9%
TTM · standalone
P/E
21.6x
Q1 FY27 · standalone
EBITDA MARGIN
79.0%
TTM · standalone
NET PROFIT MARGIN
29.7%
Q1 FY27 · standalone
Peers · Housing Finance Company
As of Q1 FY27