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HOMEFIRST

OVERVALUED

Home First Finance

Finance · NSE

↓ 108.9% vs fair value

52W Low

₹878

+11.0% from low

52W High

₹1,519

-35.8% from high

Valuation Gauge

OVERVALUED-108.9% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹975

Fair Value

₹467

Fair Value Analysis

₹467

Based on balance sheet strength analysis and book value multiple for Finance sector companies

Medium confidence

Balance Sheet Value

39% weight

₹594

P/B Multiple

62% weight

₹387

Price vs Market

HOMEFIRST

Nifty 50

Shareholding Pattern

Stock Health Score

Solid Fundamentals

6.8 / 10

Profitability

6/10

ROE of 9.0% is below the Finance sector benchmark of 18%

Debt & Leverage

10/10

D/E ratio of 2.4x is well within the Finance sector norm of 4.0x — strong balance sheet

Valuation vs Peers

10/10

P/E of 23.6x trades at a 64% discount to Finance sector median (65x) — attractively valued

Cash Flow

3/10

Negative cash flow of ₹-2,210 Cr — concerning for Finance sector

Earnings Growth

8/10

5yr EPS CAGR of 27.1% is in line with the Finance sector average of 23.9%

Dividend

4/10

Dividend yield of 0.4% is symbolic — low but positive

Sentiment Trend — Last 30 Days

Historical Returns

Key Financials

EPS (TTM)

₹40.6

P/E Ratio

23.6x

P/B Ratio

2.5x

ROE

ROCE

4.4%

Debt / Equity

2.4x

Beta

0.46

Div Yield

0.4%

FCF (Cr)

₹-2,210 Cr

Revenue (Cr)

₹1,325 Cr

EPS Growth 5Y

27.1%

Mkt Cap (Cr)

₹10,011 Cr

52W High

₹1,519

52W Low

₹878.4

Book Value/Share

₹386.9

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
TTM	—	—	—	₹496 Cr	₹49.37
2025-03-31	—	—	—	₹382 Cr	₹42.43
2024-03-31	—	—	—	₹306 Cr	₹34.54
2023-03-31	—	—	—	₹228 Cr	₹25.94
2022-03-31	—	—	—	₹186 Cr	₹21.24
2021-03-31	—	—	—	₹100 Cr	₹11.46
2020-03-31	—	—	—	₹80 Cr	₹10.16
2019-03-31	—	—	—	₹46 Cr	₹36.09
2018-03-31	—	—	—	₹25 Cr	₹24.41
2017-03-31	—	—	—	₹9 Cr	₹8.50
2016-03-31	—	—	—	₹6 Cr	₹16.01
2015-03-31	—	—	—	₹3 Cr	₹11.73
2014-03-31	—	—	—	₹3 Cr	₹8.87

Compounded Growth Rates

Sales Growth

3Y—

5Y—

10Y—

Profit Growth

3Y+29.6%

5Y+37.8%

10Y+55.5%

EPS Growth

3Y+23.9%

5Y+33.9%

10Y+11.9%

Peer Comparison

Finance

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
NBIFIN N. B. I. Industrial Finance Company Limited	₹1,720	₹8,110.3	+78.8%	32.3	0.4%	UNDERVALUED
DHUNINV Dhunseri Investments Limited	₹757	₹3,224.5	+76.5%	20.6	0.8%	UNDERVALUED
CPCAP CP Capital Limited	₹88.1	₹335.3	+73.7%	3.7	6.3%	UNDERVALUED
GICHSGFIN GIC Housing Finance Limited	₹143.2	₹426.4	+66.4%	5.6	8.8%	UNDERVALUED
MUTHOOTCAP Muthoot Capital Services Limited	₹191.9	₹447.2	+57.1%	24.8	7.6%	UNDERVALUED
SAMMAANCAP Sammaan Capital Limited	₹147.1	₹284.1	+48.2%	8	5.7%	UNDERVALUED
REPCOHOME Repco Home Finance Limited	₹373.5	₹719.1	+48.1%	4.9	11.8%	UNDERVALUED
LICHSGFIN LIC Housing Finance Limited	₹516.5	₹928.6	+44.4%	5.2	13.0%	UNDERVALUED