Home First Finance Company India Ltd Q1 FY27 Share Price & Earnings Call Analysis

Financials of Home First Finance Company India Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Home First Finance Company India Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +227255273296313336373406415454477482501
Interest93107117130146157176193190200203194195
Expenses +5260626558687581849499102109
Financing Profit828895101109112123132141159176186197
Financing Margin %36%34%35%34%35%33%33%33%34%35%37%39%39%
Other Income +4555551222213
Depreciation2333334444555
Profit before tax849096103111114120130138156173183195
Tax %24%23%23%23%25%23%23%25%24%24%24%23%23%
Net Profit +6469747983889297105119132140149
EPS in Rs7.277.848.438.929.439.8710.3410.8611.6311.5212.7313.4914.33
Gross NPA %1.61%1.64%1.70%1.70%1.70%2.90%1.70%1.70%1.70%1.80%1.90%2.00%
Net NPA %1.07%1.14%1.20%1.20%1.20%1.30%1.30%1.30%1.30%1.40%1.50%1.60%

Financials of Home First Finance Company India Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +3960941452644114895967961,1571,5391,915
Interest22375467127194220219308503719792
Expenses +1216264175111127143183242303404
Financing Profit57143863106142234304412517719
Financing Margin %13%12%15%26%24%26%29%39%38%36%34%38%
Other Income +020279000008
Depreciation001157889121619
Profit before tax59143865107134226295400502708
Tax %29%33%36%34%30%26%25%18%23%24%24%24%
Net Profit +369254680100186228306382540
EPS in Rs11.7316.018.5024.4136.0910.1611.4621.2425.9434.5442.4351.80
Dividend Payout %2%1%0%0%0%0%0%0%10%10%9%10%

Financials of Home First Finance Company India Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3410101316171818181821
Reserves961462983235109181,3631,5561,8002,1042,5034,336
Borrowing2553696651,0221,9262,4943,0543,4674,8137,3029,55110,590
Other Liabilities +678181733537676108110140220
Total Liabilities3595979901,3722,4823,4804,5105,1176,7399,53412,21215,167
Fixed Assets +11351721172026304656
CWIP000100000000
Investments00001031463750281379360812
Other Assets +3595959881,3662,3613,3144,1185,0976,4329,12511,80514,298
Total Assets3595979901,3722,4823,4804,5105,1176,7399,53412,21215,167

Financials of Home First Finance Company India Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-823-223-807-1,469-1,908-2,198-1,940
Cash from Investing Activity +-108-615804-267-217-0-408
Cash from Financing Activity +8939004111,3532,4702,2172,198
Net Cash Flow-3862408-38234519-150
Free Cash Flow-827-225-810-1,476-1,916-2,210-1,949
CFO/OP-267%-53%-169%-228%-199%-169%-119%

Financials of Home First Finance Company India Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %3%5%4%8%11%11%9%13%13%16%16%16%