Home First Finance Company India Ltd

Q4 FY25Finance

Home First Finance Company India Q4 FY25 earnings call: Revenue & Margins

Q4 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹1,194

Market cap₹12.4K Cr

P/E21.3

Updated23 Aug 2026

Read4 min read

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 management made on revenue & sales performance

Profitability & Margins

AUM growth target for FY26 is around 26%-30%, supported by a 20%-25% disbursement growth and a run-off rate of 17%-18%. (Page 12)
The average ticket size is expected to grow at 3%-5% annually. (Page 16)
The company aims to achieve Rs. 20,000 crores AUM by FY27 and Rs. 35,000 crores by FY30, with no major hindrance anticipated. (Pages 12-13)
Branch expansion is expected at a pace of 20%-30% annually, with 30-40 new branches yearly post recent capital raise. (Page 17)
Capital raised is sufficient for about 4 years; additional fundraising likely around FY30 unless growth accelerates. (Page 17)

2 more points management made on profitability & margins

See what Home First Finance Company India Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

No specific mentions of current or future capex or strategic investments were highlighted in the provided pages.
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.

2 more points management made on capital expenditure plans

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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 over the next 4 to 5 years, possibly until FY30.
Post-raise, the leverage stands at 3.3x, with capacity to increase up to 5x+, supporting growth without immediate need for further capital.
Branch expansion and AUM growth are projected at 20%-30% annually, with no immediate plans for additional fundraises if growth assumptions hold.
A potential equity raise before FY30 may be needed only if growth exceeds current projections.

2 more points management made on fundraising & capital structure

See what Home First Finance Company India Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript from the Home First Finance Company India Limited's discussion does not contain any specific information regarding the current or expected order book or pending orders. The focus of the discussion is primarily on: - Loan ticket sizes and incremental disbursements (e.g., Rs. 11.7 lakhs average ticket size, incremental disbursements Rs. 13-14 lakhs). - Branch expansion plans (expected increase from 22-25 branches/year to 30-40 branches/year). - Asset quality and regional performance. - Borrowing mix and cost of funds. - Co-lending guidelines and their operational impact.

2 more points management made on order book & pipeline

What Home First Finan's management said in earlier quarters

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Frequently Asked Questions

What were Home First Finance Company India Ltd Q4 FY25 results?

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.

Is Home First Finance Company India Ltd planning capital expenditure?

No specific mentions of current or future capex or strategic investments were highlighted in the provided pages. - 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.

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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.