| Management target | Revenue 25.0% FY27 |
|---|
| Revenue growth | AUM growing at 25% target. |
|---|---|
| Margins | Spreads stable at 5.3%; NIMs at 6.0%. |
| Demand visibility | Healthy demand across markets in affordable housing segment. |
| Management confidence | High, citing strong demand and disciplined underwriting. |
Growth
AUM grew 25.7% YoY to INR16,938Cr; disbursements rose 31% YoY. NII grew 38.2% YoY.
Outlook
Management maintains 25% AUM growth guidance; RoA expected to stay range-bound. CFO stepping down Aug 2026.
Risks
Potential margin compression from higher ticket sizes over long term; geopolitical uncertainty affecting interest rate cuts.
Last quarter's promises, checked
Delivered
- Guided 25% AUM growth → delivered 25.7% (= BEAT)
- Guided 5% to 5.25% spread → delivered 5.3% (= BEAT)
- Guided 30-40bps credit cost → delivered 40bps (= BEAT)
Partly delivered
- Guided 30-40 new branches/year → delivered 4 in Q1 (= PARTIAL)
Investor Presentation filed with BSE, NSE: HOMEFIRST. Summary written with AI assistance from the document.
Home First Finance Company India Ltd: key numbers
- Share price
- ₹1,087.90
- Market cap
- ₹11,375 Cr
- Revenue (annual)
- ₹1,915 Cr
- Net profit (annual)
- ₹540.4 Cr
- P/E (TTM)
- 19.6×Sector 21.8×
- 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