HOMEFIRSTHome First Finance

₹1195.9-4.69%

Market Cap

₹12,391.50 Cr

Stock P/E

27.37

ROCE

11.35%

ROE

16.81%

Book Value

₹369.86

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Shareholding

Holdings

Distribution

Promoter

Foreign Investors

Domestic Investors

Public

From Last Concall

POSITIVES

•
Robust AUM growth and disbursement momentum in Q1FY26.
•
Strong capital position aided by a QIP and a credit-rating upgrade, enhancing growth capacity.

NEGATIVES

•
April disbursement slowdown created a short-term execution gap; near-term plan assumes a catch-up in H2.
•
Asset-quality uptick in 1+ DPD and 30+ DPD, though seasonally driven, concentrated in a few regions.

Peers Summary

Growth Outperformer

Home First Finance Company India Ltd. is currently underperforming compared to its peers across key metrics such as profitability and growth, with notable strengths in valuation metrics. However, it lacks revenue and EPS growth, which are critical for long-term sustainability. Among its peers, LIC Housing Finance Ltd. and Aptus Value Housing Finance India Ltd. show strong profitability and growth, while Bajaj Housing Finance Ltd. presents a significant financial risk due to its high debt levels and poor returns.

Key Points

• Home First has zero revenue growth YoY and over 3 years, suggesting stagnation.
• LIC Housing Finance and Aptus Value Housing lead in profitability metrics like ROE and EPS growth.
• Bajaj Housing Finance is financially weak, with the highest debt-to-equity ratio and low profitability.
• Home First's valuation metrics indicate it is potentially undervalued compared to its peers.

Top Performers

LIC Housing Finance Ltd.

Strong profitability with a low PE ratio, high ROE, and solid EPS growth.

Aptus Value Housing Finance India Ltd.

Excellent growth metrics with high ROA and ROE, alongside strong revenue growth.

Housing & Urban Development Corporation Ltd.

Balanced growth and profitability with a reasonable PE ratio.

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