Home First Finance Company India Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management said on revenue, margins and capex.
- Revenue
- ₹415Cr
- +32.6% YoY
- +2.2% QoQ
- Net profit
- ₹105Cr
- +26.5% YoY
- +8.2% QoQ
Guidance rank: #20 of 67 in Finance
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Home First Finance Company India Ltd Q4 FY25 key numbers
- Revenue
- Incremental loan ticket size growth primarily in the Rs. 10 lakhs to Rs. 25 lakhs range.
As stated in Home First Finance Company India Ltd's Q4 FY25 earnings call transcript · published 5 Aug 2026. Reported figures, not investment advice.
The short version
Targeted AUM growth of about 25% to 30% annually, with disbursement growth planned at 20% to 25% for FY26. AUM growth target for FY26 is around 26%-30%, supported by a 20%-25% disbursement growth and a run-off rate of 17%-18%.
From Home First Finance Company India Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Targeted AUM growth of about 25% to 30% annually, with disbursement growth planned at 20% to 25% for FY26.
- Branch expansion expected to accelerate from 22-25 branches per year to around 30-40 branches annually, growing at 20%-30% per year.
- Incremental loan ticket size growth primarily in the Rs. 10 lakhs to Rs. 25 lakhs range.
- Projected AUM target of Rs. 20,000 crores by FY27 and Rs. 35,000 crores by FY30, with management confident in hitting these milestones.
- Market share in affordable housing segment currently ~2%, aiming for 4%-5% in the medium term (3 to 5 years).
- Average ticket size expected to grow 3%-5% annually.
2 more points from Home First Finance Company India Ltd's call on revenue
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Profitability & Margins
AUM growth target for FY26 is around 26%-30%, supported by a 20%-25% disbursement growth and a run-off…
Locked: what Home First Finance Company India Ltd said on margins
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Capital Expenditure Plans
- The company plans branch expansion, increasing the number of branches from about 22-25 per year to 30-40 per year, growing at 20%-30% annually.
- Capital raise of Rs. 1,250 crores (QIP) has been done, considered sufficient for the next 4-5 years, supporting growth and branch expansion.
- No immediate plans for additional equity funding until around FY30 unless growth exceeds projections.
- Operational and management strategy expected to remain stable with independent board oversight; no changes anticipated linked to recent capital raise.
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
The company raised Rs. 1,250 crores through a QIP equity issue, which is expected to suffice for growth…
Locked: what Home First Finance Company India Ltd said on fundraising
Also locked on this page: margins
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Order Book & Pipeline
2 more points from Home First Finance Company India Ltd's call on order book
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Frequently Asked Questions
What were Home First Finance Company India Ltd Q4 FY25 results?
Targeted AUM growth of about 25% to 30% annually, with disbursement growth planned at 20% to 25% for FY26. AUM growth target for FY26 is around 26%-30%, supported by a 20%-25% disbursement growth and a run-off rate of 17%-18%.
What is Home First Finance Company India Ltd share price analysis?
Home First Finance Company India Ltd currently shows a neutral. The stock trades at a P/E of 21.3 with a market cap of ₹12,407 Cr. Investors should review the full earnings analysis for detailed insights.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.