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Home First Finance Company India Limited (HOMEFIRST.NS)

INR1,223.10 -37.90 (-3.01%)
IN NSE Financial Services Financial - Mortgages
Address 511, Acme Plaza 400059
Mumbai, MA, IN
CEO Manoj Viswanathan
IPO 2021-02-03
ISIN INE481N01025

Explore sections of this company profile

Also trades on Bombay Stock Exchange · HOMEFIRST.BO (INR) National Stock Exchange of India · HOMEFIRST.NS (INR)
Description

Home First Finance Company India Limited operates as a specialized financial institution in India, primarily dedicated to providing housing finance. The company extends a range of lending options, including mortgages for the purchase or construction of residential properties, loans secured by existing real estate, financing for home improvements and expansions, and capital for acquiring commercial premises. Its services cater to a diverse clientele, encompassing both salaried professionals and self-employed individuals. The firm was established in 2010 and manages its central operations from its headquarters in Mumbai, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR1,223.10 -37.90 (-3.01%)
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Volume Profile
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Liquidity & share structure
Average Volume
224.4K
Beta
0.52
Float Shares
95.80M
Free Float %
91.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.83% -9.55% +0.51% -6.81% -5.92% -0.29% -6.06% +58.31% +122.88% +108.32% +108.32%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,223.10
DCF (Unlevered) 2,487.62 +103.4%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 86% Bullish
Rating 2026-05 Change
Strong Buy 3 0
Buy 16 0
Hold 0 0
Sell 1 0
Strong Sell 2 0
Quality scores
Altman Z-Score
1.02
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    +45.1% Q1'26: +64.8% (vs Q1'25)
  • EPS growth Financial - Mortgages: +18.3%
    +22.6% Q1'26: +24.2% (vs Q1'25)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    +30.8% Q1'26: -183.3% (vs Q1'25)
  • EBIT margin Financial - Mortgages: +34.8%
    +36.8% Q1'26: +38.7% (vs Q1'25)
  • ROIC Financial - Mortgages: +4.9%
    +3.8% Q1'26: +4.2% (vs Q1'25)
  • Share dilution Financial - Mortgages: 0.0%
    +15.3% Q1'26: +14.9% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    14.57× Q1'26: 13.22× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.63) × ERP
WACC = 55% × Ke + 45% × Kd (4.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 4,500.21 Current price: 1,223.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
19 Rev. Ana.
19 EPS Ana.
Mar 2027
17 Rev. Ana.
18 EPS Ana.
Mar 2028
19 Rev. Ana.
19 EPS Ana.
Mar 2029
6 Rev. Ana.
3 EPS Ana.
Mar 2030
3 Rev. Ana.
1 EPS Ana.
Revenue
4.08B
est: 2.71B (+50.6%)
4.78B
est: 3.79B (+26.2%)
6.93B
est: 4.91B (+41.2%)
9.80B
est: 6.42B (+52.6%)
13.25B
est: 8.26B (+60.4%)
11.15B
10.73B – 11.32B
+34.9% YoY
13.78B
13.24B – 16.98B
+23.6% YoY
16.54B
15.59B – 17.55B
+20.0% YoY
19.74B
19.73B – 19.74B
+19.3% YoY
22.56B
21.45B – 25.70B
+14.3% YoY
EBITDA
1.59B
est: 1.22B (+30.1%)
2.55B
est: 1.71B (+49.3%)
3.23B
est: 2.21B (+46.2%)
4.42B
est: 2.88B (+53.6%)
5.48B
est: 3.71B (+47.9%)
5.00B
4.81B – 5.08B
+34.9% YoY
6.18B
5.94B – 7.62B
+23.6% YoY
7.42B
6.99B – 7.87B
+20.0% YoY
8.85B
8.85B – 8.85B
+19.3% YoY
10.12B
9.62B – 11.53B
+14.3% YoY
EBIT
1.51B
est: 1.18B (+27.9%)
2.47B
est: 1.65B (+49.6%)
3.14B
est: 2.14B (+46.7%)
4.30B
est: 2.80B (+53.8%)
5.33B
est: 3.60B (+47.8%)
4.86B
4.68B – 4.94B
+34.9% YoY
6.01B
5.77B – 7.41B
+23.6% YoY
7.21B
6.80B – 7.65B
+20.0% YoY
8.61B
8.60B – 8.61B
+19.3% YoY
9.84B
9.35B – 11.21B
+14.3% YoY
Net Income
1.00B
est: 999.59M (+0.2%)
1.86B
est: 1.91B (-2.6%)
2.28B
est: 2.35B (-2.8%)
3.06B
est: 4.07B (-24.9%)
3.82B
est: 4.73B (-19.2%)
5.40B
5.19B – 5.80B
+14.3% YoY
6.67B
6.27B – 8.14B
+23.5% YoY
7.93B
7.11B – 9.01B
+18.9% YoY
9.54B
9.03B – 10.10B
+20.2% YoY
11.49B
10.75B – 13.56B
+20.4% YoY
SGA
83.65M
est: 51.91M (+61.2%)
110.52M
est: 72.66M (+52.1%)
127.28M
est: 94.12M (+35.2%)
176.33M
est: 96.76M (+82.2%)
210.59M
est: 124.56M (+69.1%)
168.07M
161.66M – 170.67M
+34.9% YoY
207.76M
199.58M – 255.95M
+23.6% YoY
249.30M
234.93M – 264.51M
+20.0% YoY
297.46M
297.42M – 297.49M
+19.3% YoY
340.03M
323.27M – 387.34M
+14.3% YoY
EPS
12.37
est: 11.01 (+12.4%)
21.26
est: 21.04 (+1.1%)
26.01
est: 25.85 (+0.6%)
34.65
est: 36.70 (-5.6%)
42.83
est: 42.63 (+0.5%)
52.06
49.58 – 55.34
+22.1% YoY
63.87
59.89 – 77.71
+22.7% YoY
76.22
67.91 – 86.05
+19.3% YoY
91.57
86.19 – 96.45
+20.1% YoY
109.65
102.62 – 129.48
+19.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-07 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-05-06 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-05-05 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-05-04 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-04-30 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-04-29 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-04-28 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-04-27 B 3/5 4/5 4/5 5/5 1/5 1/5 1/5
2026-04-24 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-23 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-22 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-21 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-20 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-17 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-16 B 3/5 4/5 4/5 5/5 1/5 2/5 1/5
2026-04-15 B+ 3/5 5/5 4/5 5/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-15.94B
OE per share TTM
-174.82
Owner's Yield
-12.57%
Maintenance CapEx ratio
3.10%
Maint CapEx / Avg PPE
3.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
3.82M
Shares Outstanding
104.33M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Manoj Viswanathan MD, Chief Executive Officer & Director 28M male
Nutan Gaba Patwari Chief Financial Officer 12M female
Shreyans Bachhawat Company Secretary, Compliance Officer & Head of Legal 3M male
Kavita Semwal Chief Compliance Officer female
Palamadai Sundararajan Jayakumar Founder male
Ramakrishna Vyamajala Chief Human Resource Officer male
Ajay Khetan Deputy Chief Executive Officer & Chief Business Officer male
Sunil Kumar Anjana Head of Treasury & Investor Relations male
Gaurav Mohta Chief Marketing Officer & Grievance Redressal Officer male
Jaithirth Rao Founder male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits