Home First Finance Company India Ltd

Q4 FY26Finance

Home First Finance Company India Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 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

The company has guided for a 25% AUM (Assets Under Management) growth for the fiscal year 2027. FY26 Profit after Tax (PAT) grew 41.4% YoY to INR 540 crores with RoE of 15.7%.

From Home First Finance Company India Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

The company has guided for a 25% AUM (Assets Under Management) growth for the fiscal year 2027.
The leadership is confident about sustaining this 25% growth trajectory over the next 2-3 years, citing improved teams and value proposition.
Expansion strategy includes adding 30-40 new branches annually, with growth both in new locations and increased density in existing cities.
Success in traditionally formal markets like Mumbai and Pune strengthens growth confidence.

2 more points management made on revenue & sales performance

Profitability & Margins

FY26 Profit after Tax (PAT) grew 41.4% YoY to INR 540 crores with RoE of 15.7%.
Guidance for FY27 projects AUM growth of 25%, slightly below the 30% CAGR seen from Mar '23 to Mar '26.
The company expects to sustain a net interest spread of around 5% to 5.25%, maintaining profitability.
Operating efficiency improved with cost-to-income ratio at 32% in Q4, expected to remain in the 2.6%-2.7% range of operating cost to assets.
Credit cost guidance for the next year is 30-40 bps, indicating stable asset quality.
Capital adequacy remains strong (CRAR at 44.1% as of Mar '26), supporting further growth investments.

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

The company plans to continue investing in growth while maintaining a disciplined risk framework, supported by strong capital adequacy (CRAR at 44.1% as of Mar'26).
Investments will focus on expanding distribution, increasing headcount, and advancing technology to enhance productivity and operational efficiency.
Branch expansion strategy: adding 30 to 40 branches annually, including in new locations and increasing density in existing cities to improve customer access.
Ongoing investments in technology to automate routine tasks and enable employees to focus on customer-facing activities.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

1Mufin Green Finance Ltd₹2.6K Cr

Rev 1Mar 1

2Akiko₹454 Cr

Rev 1Mar 1

3₹972 Cr

Rev 1Mar 2

4₹358 Cr

Rev 1Mar 2

5₹1.5L Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

In FY26, Home First Finance completed a Qualified Institutional Placement (QIP) raising INR1,250 crores in April 2025.
As of March 2026, the company maintains a very strong capital position with a Capital to Risk-Weighted Assets Ratio (CRAR) of 44.1% and Tier 1 capital of 43.8%.
The company's balance sheet remains well-capitalized with a net worth of INR4,357 crores.
There is no explicit mention of any new or upcoming fundraising through debt or equity in the near future.
The company plans to continue scaling growth through internal accruals and optimally managing its borrowing mix.

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 pages do not contain any specific information about the current or expected order book or pending orders for Home First Finance Company India Limited. The discussion primarily focuses on financial performance, growth outlook, asset quality, loan mix, branch expansion, and other operational metrics but does not mention order books or pending orders. If you need information on order book or pending orders, they might not be covered in this document or require a different section/source.

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 FY26 results?

The company has guided for a 25% AUM (Assets Under Management) growth for the fiscal year 2027. FY26 Profit after Tax (PAT) grew 41.4% YoY to INR 540 crores with RoE of 15.7%.

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?

The company plans to continue investing in growth while maintaining a disciplined risk framework, supported by strong capital adequacy (CRAR at 44.1% as of Mar'26).

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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.