Arthneeti

Home First Finance Company India Q2 FY27 Share Price & Earnings Call Analysis

Part of: Nifty Smallcap 250 · Nifty MidSmallcap 400 · Nifty 500 · Nifty Total Market

₹1,109.60+1.45% today
Market cap
₹11,613 Cr
P/E
18.75
ROE
15.71%
PEG
0.56
Price to sales
5.57
Debt to equity
2.63
52W high / low
₹1,280 / ₹905
Sales growth (5Y)
31.47%
EBITDA margin
78.74%
Net profit margin
28.13%
Promoter holding
6.97%
Sales (last year)
₹2,089 Cr

Home First Finance Company India (HFFC) is a Housing Finance Company which offers home loan with 48 hours sanctions and hassle-free process. [1]

Guidance scorecard · Q2 FY27 call

What Home First Finan's management guided
and where it ranks in Finance

#20of 67 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookRising

RevenueQ2 FY27 call

20–40%
  • The company targets a 25% AUM growth, aiming to reach Rs. 20,000 crore by March 2027, with recent quarters showing slight upside due to tailwinds.
  • Growth is broad-based across states except for some slower growth in southern markets (Tamil Nadu, Andhra Pradesh, Telangana), which are expected to improve in the next 2 quarters.
  • Branch additions continue at a steady rate of 20-25 per year, with about 10 added in the current year so far.
  • Positive demand momentum is expected to continue through Q3 and Q4, with a usual uptick in the second half of the year in the housing sector.

2 more points from Home First Finan's call on revenue

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Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what Home First Finan said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned
  • Branch expansion: Adding about 10 to 15 branches in the next two quarters, maintaining a run rate of 20-25 branches per year.
  • Focus on scaling up in key states such as Uttar Pradesh to drive growth.
  • Investment in team stability and leadership across states to support growth momentum.
  • Ongoing investment in leveraging AI to reduce operating expenses and improve productivity, targeting a 10-basis point reduction year-on-year in opex to asset ratio.

2 more points from Home First Finan's call on capex

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Full Q2 FY27 analysis

FundraisingQ2 FY27 call

See what Home First Finan said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

Rising
  • AUM growth targets and achievements.
  • Market conditions and branch operations.
  • Financial performance indicators such as ROE, asset quality, and provisioning.
  • Impact of AI on operational efficiency.

2 more points from Home First Finan's call on the order book

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Full Q2 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Home First Finan rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Home First Finance Company India latest results (Sep 2026)

Revenue

₹567 Cr

+19% YoY

Net profit

₹170 Cr

+29% YoY

Operating margin

40%

EPS

₹16.28

What management said on the call →

Home First Finance Company India shareholding (Sep 2026)

Promoters

6.97%

−0.01 pp QoQ

FIIs

42.44%

−1.46 pp QoQ

DIIs

32.94%

+3.11 pp QoQ

Public

17.64%

−1.65 pp QoQ

Full shareholding pattern →Dividend history →

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,826 Cr59.9
240%+Up 2%+₹844 Cr—
340%+Flat₹41,424 Cr38.1
440%+Flat₹16,712 Cr—
540%+Flat₹7,256 Cr19.1
640%+Flat₹948 Cr28.6

Sign up free to see every company in the sector ranking and track Home First Finan.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Home First Finan announcements

All announcements →

Financials of Home First Finan

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

Shareholder Pattern

Home First Finan

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +23.60%23.56%23.45%23.38%14.31%14.25%12.43%12.39%12.35%6.98%6.98%6.97%
FIIs +24.83%25.09%24.73%25.57%37.91%36.00%37.19%39.99%40.82%45.72%43.90%42.44%
DIIs +11.72%11.84%11.96%12.41%18.28%19.82%21.89%28.84%27.61%27.52%29.83%32.94%
Public +39.84%39.50%39.85%38.62%29.50%29.93%28.51%18.78%19.23%19.77%19.29%17.64%
No. of Shareholders78,15276,52675,62578,60486,97288,27686,47185,01083,67082,90581,26175,348

Financials of Home First Finan

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +273296313336373406415454477482501538567
YoY Revenue growth+44%+44%+38%+32%+36%+37%+33%+35%+28%+19%+21%+19%+19%
Interest117130146157176193190200203194195208225
Expenses +626558687581849499102109118115
Financing Profit95101109112123132141159176186197211228
Financing Margin %35%34%35%33%33%33%34%35%37%39%39%39%40%
Other Income +5555122221320
Depreciation3333444455556
Profit before tax96103111114120130138156173183195208222
Tax %23%23%25%23%23%25%24%24%24%23%23%23%23%
Net Profit +747983889297105119132140149160170
EPS in Rs8.438.929.439.8710.3410.8611.6311.5212.7313.4914.3315.2916.28
Gross NPA %1.70%1.70%1.70%2.90%1.70%1.70%1.70%1.80%1.90%2.00%1.80%1.80%
Net NPA %1.20%1.20%1.20%1.30%1.30%1.30%1.30%1.40%1.50%1.60%1.40%1.40%

Financials of Home First Finan

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +3960941452644114895967961,1571,5391,9212,089
Revenue growth+93%+54%+58%+53%+82%+56%+19%+22%+34%+45%+33%+25%+19%
Interest22375467127194220219308503719796822
Expenses +1216264175111127143183242303400444
Financing Profit57143863106142234304412517725822
Financing Margin %13%12%15%26%24%26%29%39%38%36%34%38%39%
Other Income +0202790000027
Depreciation00115788912161921
Profit before tax59143865107134226295400502708808
Tax %29%33%36%34%30%26%25%18%23%24%24%24%
Net Profit +369254680100186228306382540620
EPS in Rs2.353.201.704.887.2210.1611.4621.2425.9434.5442.4351.8059.39
Dividend Payout %2%1%0%0%0%0%0%0%10%10%9%10%

Financials of Home First Finan

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital341010131617181818182121
Reserves961462983235109181,3631,5561,8002,1042,5034,3364,644
Borrowing2553696651,0221,9262,4943,0543,4674,8137,3029,55110,59012,246
Other Liabilities +678181733537676108110140220274
Total Liabilities3595979901,3722,4823,4804,5105,1176,7399,53412,21215,16717,185
Fixed Assets +1135172117202630465657
CWIP0001000000000
Investments00001031463750281379360812672
Other Assets +3595959881,3662,3613,3144,1185,0976,4329,12511,80514,29816,455
Total Assets3595979901,3722,4823,4804,5105,1176,7399,53412,21215,16717,185

Financials of Home First Finan

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 +-823-223-807-1,469-1,908-2,196-1,940
Cash from Investing Activity +-108-615804-267-217-0-408
Cash from Financing Activity +8939004111,3532,4702,2152,198
Net Cash Flow-3862408-38234519-150
Free Cash Flow-827-225-810-1,476-1,916-2,208-1,949

Financials of Home First Finan

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%

Guidance history

How Home First Finan's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →20–40%FlatPlanned—Rising
Q1 FY27 call →20–40%Flat——Rising
Q3 FY26 call →20–40%FlatPlanned—Rising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

24out of 100

Momentum score · price trend

24 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,937 stocks
Last 12 months−5.0%47%
Last 6 months+3.1%50%
Last 3 months−5.7%44%

The price is 25% below its all-time high of ₹1,479 (25 Jul 2025). Stocks more than 20% below their peak have their score halved, so 48 became 24.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,937 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Home First Finan: 0.4 × 47 + 0.4 × 50 + 0.2 × 44 = 48, halved to 24 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 13 Nov 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Home First Finance Company India: frequently asked questions

What is Home First Finance Company India share price today?

Home First Finance Company India last traded at ₹1,109.6, with a market capitalisation of ₹11,613 Cr and a P/E ratio of 18.8.

What were Home First Finance Company India's latest quarterly results?

For the quarter ended Sep 2026, Home First Finance Company India reported revenue of ₹567 Cr (+19% year on year) and net profit of ₹170 Cr, with an operating margin of 40%.

Is Home First Finance Company India's profit growing?

Net profit was ₹170 Cr in Sep 2026 against ₹132 Cr in Sep 2025, a change of +29%.

What is Home First Finance Company India's EPS?

Home First Finance Company India's earnings per share for the quarter ended Sep 2026 was ₹16.28.

What is the promoter holding in Home First Finance Company India?

Promoters held 6.97% of Home First Finance Company India in Sep 2026 (−0.01 pp versus Jun 2026).

How much do FIIs and DIIs hold in Home First Finance Company India?

In Sep 2026, foreign institutional investors held 42.44% and domestic institutions (including mutual funds) held 32.94% of Home First Finance Company India.

What is Home First Finance Company India's ROE and ROCE?

Home First Finance Company India's return on equity is 15.7% and its return on capital employed is 11.1%.

Does Home First Finance Company India pay a dividend?

Yes. Home First Finance Company India's dividend yield is 0.48% at the current price. The full payout history is on the Home First Finance Company India dividends page.

Which sector does Home First Finance Company India belong to?

Home First Finance Company India is in the Finance sector. Its peer comparison and sector ranking are on this page.

What did Home First Finance Company India's management say on the latest earnings call?

Arthneeti's analysis of the Q2 FY27 earnings call covers revenue, margins, capex and fundraising guidance from Home First Finance Company India's management.

How does Arthneeti AI analyse Home First Finance Company India?

Arthneeti reads Home First Finance Company India's earnings call transcripts and filings and scores revenue growth, margins, capex and fundraising, then ranks the company against its sector.

Continue your research

What Home First Finan's management said in earlier quarters

Earlier calls (8)

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