| Management target | Revenue 25.0% |
|---|
| Revenue growth | Net Total Income up 29.9% YoY. |
|---|---|
| Margins | Spreads resilient at 5.3%; NIM supported by disciplined pricing. |
| Demand visibility | Strong structural demand drivers in affordable housing finance. |
| Management confidence | High, citing strong start to FY27 and resilient demand. |
Growth
AUM grew 25.7% YoY; Disbursements reached a record ₹1,628 Cr, up 31% YoY. PAT grew 34.5% YoY to ₹1,599 Mn.
Outlook
Management remains confident in delivering ~25% AUM growth while maintaining focus on profitability and asset quality.
Risks
Potential impacts from geopolitical developments, global macro uncertainties, and competition in the affordable housing finance sector.
Last quarter's promises, checked
Delivered
- AUM growth guide ~25% → delivered 25.7% (= BEAT)
- Spread guide 5.0% - 5.25% → delivered 5.3% (= BEAT)
- Credit cost guide 30-40bps → delivered 40bps (= BEAT)
Partly delivered
- Branch expansion guide 30-40/year → delivered 4 in Q1 (= PARTIAL)
Investor Presentation filed with NSE, NSE: HOMEFIRST. Summary written with AI assistance from the document.
Home First Finance Company India Ltd: key numbers
- Share price
- ₹1,092.00
- Market cap
- ₹11,418 Cr
- Revenue (annual)
- ₹1,915 Cr
- Net profit (annual)
- ₹540.4 Cr
- P/E (TTM)
- 19.6×Sector 21.9×
- Promoter holding
- 6.97%-0.02% QoQ
- FII holding
- 43.90%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Home First Finance Company India Ltd
All →Home First Finance Company India Employee Stock Options
HFFCIL allotted 3,681 equity shares against exercise of vested ESOPs under ESOP 2021 and 2024 schemes. Paid-up capital increased to Rs. 20,91,26,284.
Home First Finance Company India Other Announcement
Home First Finance Company received an ESG score of 73 from NSE Sustainability Ratings and Analytics Limited. This disclosure is for investor information.
Home First Finance Company India Management Change
Home First Finance Company India Ltd has confirmed the departure of Ms. Nutan Gaba Patwari as Chief Financial Officer, effective at the close of business, August 31, 2026.
Home First Finance Company India Debt & Borrowing: ₹150 Cr
Home First Finance Company allotted 15,000 non-convertible debentures on a private placement basis, raising an aggregate nominal value of ₹150 Crore.
- Value
- ₹150.0 Cr
Home First Finance Company India Employee Stock Options
Home First Finance Company allotted 25,697 equity shares to employees under its ESOP schemes. The company's paid-up share capital increased following this exercise.
Home First Finance Company India Debt & Borrowing: ₹150 Cr
Home First Finance Company India Limited approved the private placement of 15,000 non-convertible debentures (NCDs) totalling ₹150 Crore. The secured instruments will be listed on BSE.
- Value
- ₹150.0 Cr
- Execution
- 59 months and 25 days