āagmanLoginNot investment advice. Data and computed figures, for information only.
Home First Finance Company India Ltd
₹1,112.70
+₹8.40 (+0.76%)
NSE · 15 Oct 2026, close
Market Cap
₹11,257 Cr
CMP
₹1,112.70
52-wk High / Low
₹1,318 / 894
P/E
19.4
P/B
2.6
Book Value
₹418.0
Div Yield
0.48%
ROCE
11.1%
ROE
16.0%
Face Value
₹2
D/E
2.43
Price−9.0% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹698
√(22.5 × EPS × book value per share)
Cash flow to profit
−3.59
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
14.5%
ROE × earnings retention ratio
ROE stability
1.3
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −1.82DII +2.31
Latest quarter vs the previous one
Cash-accrual divergence
18.1%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 28.2pp over the last year
+PE of 19.4x is below the sector median of 20.4x
Watch-outs
−Borrowings are up 2769.9% since FY2016 (369 to 10590)
−Price trades below its 200-day moving average (1.0x)
−Promoter holding fell by 26.5pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)
−Balance-sheet accruals of 18.1% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 255 | 273 | 296 | 313 | 336 | 373 | 406 | 415 | 454 | 477 | 482 | 501 | 538 |
| Expenses | 60 | 62 | 65 | 58 | 68 | 75 | 81 | 84 | 94 | 99 | 102 | 109 | 118 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 5 | 5 | 5 | 5 | 5 | 1 | 2 | 2 | 2 | 2 | 1 | 3 | 2 |
| Interest | 107 | 117 | 130 | 146 | 157 | 176 | 193 | 190 | 200 | 203 | 194 | 195 | 208 |
| Depreciation | 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 4 | 5 | 5 | 5 | 5 |
| Profit before tax | 90 | 96 | 103 | 111 | 114 | 120 | 130 | 138 | 156 | 173 | 183 | 195 | 208 |
| Net Profit | 69 | 74 | 79 | 83 | 88 | 92 | 97 | 105 | 119 | 132 | 140 | 149 | 160 |
| EPS (₹) | 7.84 | 8.43 | 8.92 | 9.43 | 9.87 | 10.34 | 10.86 | 11.63 | 11.52 | 12.73 | 13.49 | 14.33 | 15.29 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 39 | 60 | 94 | 145 | 264 | 411 | 489 | 596 | 796 | 1,157 | 1,539 | 1,921 | 1,999 |
| Expenses | 12 | 16 | 26 | 41 | 75 | 111 | 127 | 143 | 183 | 242 | 303 | 400 | 428 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 2 | 0 | 2 | 7 | 9 | 0 | 0 | 0 | 0 | 0 | 2 | 8 |
| Interest | 22 | 37 | 54 | 67 | 127 | 194 | 220 | 219 | 308 | 503 | 719 | 796 | 800 |
| Depreciation | 0 | 0 | 1 | 1 | 5 | 7 | 8 | 8 | 9 | 12 | 16 | 19 | 20 |
| Profit before tax | 5 | 9 | 14 | 38 | 65 | 107 | 134 | 226 | 295 | 400 | 502 | 708 | 759 |
| Net Profit | 3 | 6 | 9 | 25 | 46 | 80 | 100 | 186 | 228 | 306 | 382 | 540 | 581 |
| EPS (₹) | 11.73 | 16.01 | 8.50 | 24.41 | 36.09 | 10.16 | 11.46 | 21.24 | 25.94 | 34.54 | 42.43 | 51.80 | 55.84 |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3 | 4 | 10 | 10 | 13 | 16 | 17 | 18 | 18 | 18 | 18 | 21 | — |
| Reserves | 96 | 146 | 298 | 323 | 510 | 918 | 1,363 | 1,556 | 1,800 | 2,104 | 2,503 | 4,336 | — |
| Other Liabilities | 6 | 78 | 18 | 17 | 33 | 53 | 76 | 76 | 108 | 110 | 140 | 220 | — |
| Total Liabilities | 359 | 597 | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 12,212 | 15,167 | — |
| Fixed Assets | 1 | 1 | 3 | 5 | 17 | 21 | 17 | 20 | 26 | 30 | 46 | 56 | — |
| CWIP | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Investments | 0 | 0 | 0 | 0 | 103 | 146 | 375 | 0 | 281 | 379 | 360 | 812 | — |
| Other Assets | 359 | 595 | 988 | 1,366 | 2,361 | 3,314 | 4,118 | 5,097 | 6,432 | 9,125 | 11,805 | 14,298 | — |
| Total Assets | 359 | 597 | 990 | 1,372 | 2,482 | 3,480 | 4,510 | 5,117 | 6,739 | 9,534 | 12,212 | 15,167 | — |
| Borrowing | 255 | 369 | 665 | 1,022 | 1,926 | 2,494 | 3,054 | 3,467 | 4,813 | 7,302 | 9,551 | 10,590 | — |
Cash Flows
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | — | — | — | — | — | −823 | −223 | −807 | −1,469 | −1,908 | −2,196 | −1,940 |
| Cash from Investing Activity | — | — | — | — | — | −108 | −615 | 804 | −267 | −217 | 0 | −408 |
| Cash from Financing Activity | — | — | — | — | — | 893 | 900 | 411 | 1,353 | 2,470 | 2,215 | 2,198 |
| Net Cash Flow | — | — | — | — | — | −38 | 62 | 408 | −382 | 345 | 19 | −150 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | — | — | — | — | — | 11.1 |
| ROE % | 3.0 | 5.0 | 4.0 | 8.0 | 11.0 | 11.0 | 9.0 | 13.0 | 13.0 | 16.0 | 16.0 | 16.0 |
| EPS (₹) | 11.73 | 16.01 | 8.50 | 24.41 | 36.09 | 10.16 | 11.46 | 21.24 | 25.94 | 34.54 | 42.43 | 51.80 |
| Book Value (₹) | — | — | — | — | — | — | — | — | — | — | — | 418.0 |
| Face Value (₹) | — | — | — | — | — | — | — | — | — | — | — | 2 |
| P/E | — | — | — | — | — | — | — | — | — | — | — | 19.4 |
| Div Yield % | — | — | — | — | — | — | — | — | — | — | — | 0.48 |
| NPM % | 7.7 | 9.7 | 9.6 | 17.0 | 17.0 | 19.0 | 20.4 | 31.2 | 28.6 | 26.4 | 24.8 | 28.1 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — |
| D/E | 2.58 | 2.46 | 2.16 | 3.07 | 3.68 | 2.67 | 2.21 | 2.20 | 2.65 | 3.44 | 3.79 | 2.43 |
| P/B | — | — | — | — | — | — | — | — | — | — | — | 2.6 |
Growth
Compounded sales growth
10 years+42.0%
5 years+31.0%
3 years+34.0%
TTM+21.0%
Compounded profit growth
10 years+57.0%
5 years+40.0%
3 years+33.0%
TTM+41.0%
Stock price CAGR
5 years+10.0%
3 years+8.0%
Last year−12.0%
Return on equity
10 years14.0%
5 years15.0%
3 years16.0%
Last year16.0%
Documents
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Closure of Trading WindowAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeCorporate actions
29 May 2026DIVIDENDDividend - Rs 5.20 Per Share—
30 May 2025DIVIDENDDividend - Rs 3.70 Per Share—
7 Jun 2024DIVIDENDDividend - Rs 3.40 Per Share—
19 May 2023DIVIDENDDividend - Rs 2.60 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman