Home First Finance Company India Ltd
HOMEFIRST
Finance
₹ 1,199
Price
₹ 12,387
Market Cap
Mid Cap
32.42
P/E Ratio
📊 Score Snapshot
-1.27 / 25
Performance
19.96 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
25.69 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -236.22 | -209.48 | -167.80 | -89.50 | -28.75 | - | - | - |
| Adj Cash PAT | -2,126 | -1,856 | -1,475 | -784.00 | -251.00 | -836.00 | - | - |
| Adj Cash PAT To PAT | -5.57 | -6.07 | -6.47 | -4.22 | -2.51 | -10.45 | - | - |
| Adj EPS | 42.44 | 34.54 | 25.94 | 21.23 | 11.45 | - | - | - |
| Adj Number Of Shares | 9.00 | 8.86 | 8.79 | 8.76 | 8.73 | - | - | - |
| Adj PE | 23.28 | 27.80 | 28.63 | 37.09 | 40.36 | - | - | - |
| Adj Peg | 1.02 | 0.84 | 1.29 | 0.43 | - | - | - | - |
| Bvps | 280.11 | 239.50 | 206.83 | 179.68 | 158.08 | - | - | - |
| Cash Revenue | 1,525 | 2,314 | 1,592 | 1,192 | 978.00 | 822.00 | - | - |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | - | - |
| Dividend Yield | 0.39 | 0.36 | 0.35 | - | - | - | - | - |
| Fcfe | 109.00 | 643.00 | -119.00 | -367.00 | 314.00 | -264.00 | - | - |
| Fcfe Margin | 7.15 | 27.79 | -7.47 | -30.79 | 32.11 | -32.12 | - | - |
| Fcfe To Adj PAT | 0.29 | 2.10 | -0.52 | -1.97 | 3.14 | -3.30 | - | - |
| Market Cap | 8,892 | 8,506 | 6,527 | 6,898 | 4,036 | - | - | - |
| PB | 3.53 | 4.01 | 3.59 | 4.38 | 2.92 | - | - | - |
| PE | 23.28 | 27.80 | 28.63 | 37.08 | 40.34 | - | - | - |
| Peg | 1.02 | 0.84 | 1.29 | 0.43 | - | - | - | - |
| PS | 5.81 | 3.68 | 4.10 | 5.79 | 4.13 | - | - | - |
| ROE | 16.45 | 15.53 | 13.44 | 12.59 | 8.64 | 10.98 | 10.75 | 7.80 |
| Share Price | 987.95 | 960.05 | 742.55 | 787.50 | 462.35 | - | - | - |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 415.00 | 812.00 | 746.00 | 672.00 | 626.00 | 592.00 | 546.00 | 510.00 | 454.00 | 410.00 | 378.00 | 338.00 | 312.00 | 152.00 |
| Interest | 190.00 | 193.00 | 176.00 | 157.00 | 146.00 | 130.00 | 117.00 | 107.00 | 93.00 | 80.00 | 71.00 | 61.00 | 54.00 | 55.00 |
| Expenses - | 84.00 | 81.00 | 75.00 | 68.00 | 58.00 | 65.00 | 62.00 | 60.00 | 52.00 | 48.00 | 47.00 | 40.00 | 37.00 | 36.00 |
| Financing Profit | 141.00 | 132.00 | 123.00 | 112.00 | 109.00 | 101.00 | 95.00 | 88.00 | 82.00 | 78.00 | 71.00 | 68.00 | 65.00 | 61.00 |
| Financing Margin % | 33.98 | 16.26 | 16.49 | 16.67 | 17.41 | 17.06 | 17.40 | 17.25 | 18.06 | 19.02 | 18.78 | 20.12 | 20.83 | 40.13 |
| Other Income - | 1.53 | 1.50 | 1.32 | 4.91 | 4.99 | 4.70 | 4.65 | 4.76 | 4.46 | 0.15 | 0.01 | - | 0.01 | 0.02 |
| Depreciation | 4.00 | 4.00 | 4.00 | 3.00 | 3.00 | 3.00 | 3.00 | 3.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Profit Before Tax | 138.00 | 130.00 | 120.00 | 114.00 | 111.00 | 103.00 | 96.00 | 90.00 | 84.00 | 76.00 | 69.00 | 66.00 | 63.00 | 59.00 |
| Tax % | 23.91 | 25.38 | 23.33 | 22.81 | 25.23 | 23.30 | 22.92 | 23.33 | 23.81 | 22.37 | 21.74 | 22.73 | 4.76 | 22.03 |
| Net Profit - | 105.00 | 97.00 | 92.00 | 88.00 | 83.00 | 79.00 | 74.00 | 69.00 | 64.00 | 59.00 | 54.00 | 51.00 | 60.00 | 46.00 |
| Profit For PE | 105.00 | 97.00 | 92.00 | 88.00 | 83.00 | 79.00 | 74.00 | 69.00 | 64.00 | 59.00 | 54.00 | 51.00 | 60.00 | 46.00 |
| Profit For EPS | 105.00 | 97.00 | 92.00 | 88.00 | 83.00 | 79.00 | 74.00 | 69.00 | 64.00 | 59.00 | 54.00 | 51.00 | 60.00 | 46.00 |
| EPS In Rs | 11.63 | 10.86 | 10.34 | 9.87 | 9.43 | 8.92 | 8.43 | 7.84 | 7.27 | 6.69 | 6.19 | 5.84 | 6.87 | 5.25 |
| PAT Margin % | 25.30 | 11.95 | 12.33 | 13.10 | 13.26 | 13.34 | 13.55 | 13.53 | 14.10 | 14.39 | 14.29 | 15.09 | 19.23 | 30.26 |
| PBT Margin | 33.25 | 16.01 | 16.09 | 16.96 | 17.73 | 17.40 | 17.58 | 17.65 | 18.50 | 18.54 | 18.25 | 19.53 | 20.19 | 38.82 |
| Tax | 33.00 | 33.00 | 28.00 | 26.00 | 28.00 | 24.00 | 22.00 | 21.00 | 20.00 | 17.00 | 15.00 | 15.00 | 3.00 | 13.00 |
| Yoy Profit Growth % | 25.00 | 24.00 | 24.00 | 27.00 | 30.00 | 34.00 | 37.00 | 35.00 | 6.00 | 28.00 | 21.00 | 46.00 | 92.00 | 189.00 |
| Adj PAT | 105.00 | 97.00 | 92.00 | 88.00 | 83.00 | 79.00 | 74.00 | 69.00 | 64.00 | 59.00 | 54.00 | 51.00 | 60.00 | 46.00 |
| Adj PAT Margin | 25.30 | 11.95 | 12.33 | 13.10 | 13.26 | 13.34 | 13.55 | 13.53 | 14.10 | 14.39 | 14.29 | 15.09 | 19.23 | 30.26 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,530 | 2,314 | 1,592 | 1,192 | 978.00 | 822.00 | 528.00 | 290.00 | 188.00 | 120.00 | 78.00 | 40.00 |
| Interest | 715.00 | 503.00 | 308.00 | 219.00 | 220.00 | 194.00 | 127.00 | 67.00 | 54.00 | 37.00 | 22.00 | 10.00 |
| Expenses - | 307.00 | 242.00 | 183.00 | 143.00 | 127.00 | 111.00 | 75.00 | 41.00 | 26.00 | 16.00 | 12.00 | 8.00 |
| Financing Profit | 508.00 | 412.00 | 304.00 | 234.00 | 142.00 | 106.00 | 63.00 | 38.00 | 14.00 | 7.00 | 5.00 | 2.00 |
| Financing Margin % | 33.20 | 17.80 | 19.10 | 19.63 | 14.52 | 12.90 | 11.93 | 13.10 | 7.45 | 5.83 | 6.41 | 5.00 |
| Other Income - | 9.26 | 0.04 | 0.02 | 0.03 | 0.04 | 8.85 | 7.35 | 1.67 | - | 2.45 | - | - |
| Depreciation | 16.00 | 12.00 | 9.00 | 8.00 | 8.00 | 7.00 | 5.00 | 1.00 | 1.00 | - | - | - |
| Profit Before Tax | 502.00 | 400.00 | 295.00 | 226.00 | 134.00 | 107.00 | 65.00 | 38.00 | 14.00 | 9.00 | 5.00 | 2.00 |
| Tax % | 23.90 | 23.50 | 22.71 | 17.70 | 25.37 | 25.23 | 29.23 | 34.21 | 35.71 | 33.33 | 40.00 | -50.00 |
| Net Profit - | 382.00 | 306.00 | 228.00 | 186.00 | 100.00 | 80.00 | 46.00 | 25.00 | 9.00 | 6.00 | 3.00 | 3.00 |
| Profit For PE | 382.00 | 306.00 | 228.00 | 186.00 | 100.00 | 80.00 | 46.00 | 25.00 | 9.00 | 6.00 | 3.00 | 3.00 |
| Profit For EPS | 382.00 | 306.00 | 228.00 | 186.00 | 100.00 | 80.00 | 46.00 | 25.00 | 9.00 | 6.00 | 3.00 | 3.00 |
| EPS In Rs | 42.43 | 34.54 | 25.94 | 21.24 | 11.46 | - | - | - | - | - | - | - |
| Dividend Payout % | 9.00 | 10.00 | 10.00 | - | - | - | - | - | - | 1.00 | 2.00 | - |
| PAT Margin % | 24.97 | 13.22 | 14.32 | 15.60 | 10.22 | 9.73 | 8.71 | 8.62 | 4.79 | 5.00 | 3.85 | 7.50 |
| PBT Margin | 32.81 | 17.29 | 18.53 | 18.96 | 13.70 | 13.02 | 12.31 | 13.10 | 7.45 | 7.50 | 6.41 | 5.00 |
| Tax | 120.00 | 94.00 | 67.00 | 40.00 | 34.00 | 27.00 | 19.00 | 13.00 | 5.00 | 3.00 | 2.00 | -1.00 |
| Adj PAT | 382.00 | 306.00 | 228.00 | 186.00 | 100.00 | 80.00 | 46.00 | 25.00 | 9.00 | 6.00 | 3.00 | 3.00 |
| Adj PAT Margin | 24.97 | 13.22 | 14.32 | 15.60 | 10.22 | 9.73 | 8.71 | 8.62 | 4.79 | 5.00 | 3.85 | 7.50 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 34.62 | - | 25.29 | 18.75 | 18.46 | 14.47 | 8.56 | 2.37 |
| Average Total Assets | 10,873 | 9,676 | 8,136 | - | 5,928 | 4,814 | 3,995 | 2,981 | 1,927 | 1,181 |
| Average Total Equity | 2,322 | 2,118 | 1,970 | - | 1,696 | 1,477 | 1,157 | 728.50 | 428.00 | 320.50 |
| Borrowing | 9,551 | - | 7,302 | - | 4,813 | 3,467 | 3,054 | 2,494 | 1,926 | 1,022 |
| Cwip | - | - | - | - | - | - | - | - | - | 1.00 |
| Cash Equivalents | 938.00 | 1,236 | 822.00 | 488.00 | 298.00 | 668.00 | 680.00 | 222.00 | 192.00 | 23.00 |
| Fixed Assets | 46.00 | 32.00 | 30.00 | 26.00 | 26.00 | 20.00 | 17.00 | 21.00 | 17.00 | 5.00 |
| Gross Block | - | - | 64.65 | - | 51.01 | 38.98 | 35.12 | 35.47 | 25.99 | 7.46 |
| Investments | 360.00 | 409.00 | 379.00 | 356.00 | 281.00 | - | 375.00 | 146.00 | 103.00 | - |
| Loans N Advances | 10,649 | 9,447 | 11.00 | - | 10.00 | 6.00 | 10.00 | 7.00 | 6.00 | 2.00 |
| Long Term Borrowings | - | 8,867 | - | 6,002 | - | - | - | - | 1,926 | 870.00 |
| Net Debt | -1,298 | 7,222 | 6,101 | 5,158 | 4,234 | 2,799 | 1,999 | 2,126 | 1,631 | 999.00 |
| Other Asset Items | 213.00 | 179.00 | 8,292 | 7,173 | 6,124 | 4,423 | 3,429 | 3,084 | 2,163 | 1,341 |
| Other Borrowings | - | - | 7,302 | - | 4,813 | 3,467 | 3,054 | 2,494 | - | 152.00 |
| Other Liability Items | 124.00 | 140.00 | 99.00 | 84.00 | 93.00 | 70.00 | 76.00 | 53.00 | 32.00 | 17.00 |
| Reserves | 2,503 | 2,272 | 2,104 | 1,929 | 1,800 | 1,556 | 1,363 | 918.00 | 510.00 | 323.00 |
| Share Capital | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 | 17.00 | 16.00 | 13.00 | 10.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | - |
| Short Term Loans And Advances | - | - | 2.00 | - | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | - |
| Total Assets | 12,212 | 11,309 | 9,534 | 8,043 | 6,739 | 5,117 | 4,510 | 3,480 | 2,482 | 1,372 |
| Total Borrowings | - | 8,867 | 7,302 | 6,002 | 4,813 | 3,467 | 3,054 | 2,494 | 1,926 | 1,022 |
| Total Equity | 2,521 | 2,290 | 2,122 | 1,947 | 1,818 | 1,574 | 1,380 | 934.00 | 523.00 | 333.00 |
| Total Equity And Liabilities | 12,212 | 11,309 | 9,534 | 8,043 | 6,739 | 5,117 | 4,510 | 3,480 | 2,482 | 1,372 |
| Total Liabilities | 9,691 | 9,019 | 7,412 | 6,096 | 4,921 | 3,543 | 3,130 | 2,546 | 1,959 | 1,039 |
| Trade Payables | 16.00 | 12.00 | 11.00 | 11.00 | 15.00 | 6.00 | - | - | 1.00 | 1.00 |
| Trade Receivables | 6.00 | 6.00 | - | - | - | - | - | - | - | - |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
| Cash From Financing Activity | 2,217 | 2,470 | 1,353 | 411.00 | 900.00 | 893.00 |
| Cash From Investing Activity | - | -217.00 | -267.00 | 804.00 | -615.00 | -108.00 |
| Cash From Operating Activity | -2,198 | -1,908 | -1,469 | -807.00 | -223.00 | -823.00 |
| Cash Paid For Loan Advances | -2,515 | -2,161 | -1,712 | -1,002 | -349.00 | -904.00 |
| Cash Paid For Purchase Of Fixed Assets | -12.00 | -8.00 | -7.00 | -4.00 | -3.00 | -4.00 |
| Cash Paid For Purchase Of Investments | -7,953 | -6,038 | -4,680 | -3,168 | -2,437 | -2,856 |
| Cash Paid For Redemption Of Debentures | - | -70.00 | -99.00 | -170.00 | - | - |
| Cash Paid For Repayment Of Borrowings | -1,878 | -1,341 | -981.00 | -825.00 | -691.00 | -456.00 |
| Cash Received From Borrowings | 4,109 | 3,906 | 2,154 | 1,309 | 1,011 | 1,025 |
| Cash Received From Issue Of Debentures | - | - | 280.00 | 99.00 | 240.00 | - |
| Cash Received From Issue Of Shares | 26.00 | 5.00 | 4.00 | 3.00 | 355.00 | 328.00 |
| Cash Received From Sale Of Investments | 8,012 | 5,975 | 4,422 | 3,543 | 2,208 | 2,813 |
| Change In Other Working Capital Items | 8.00 | 3.00 | - | 31.00 | -3.00 | -11.00 |
| Change In Payables | 5.00 | -3.00 | 9.00 | 1.00 | - | -1.00 |
| Change In Receivables | -5.00 | - | - | - | - | - |
| Change In Working Capital | -2,508 | -2,162 | -1,703 | -970.00 | -351.00 | -916.00 |
| Direct Taxes Paid | -109.00 | -90.00 | -72.00 | -44.00 | -30.00 | -24.00 |
| Dividends Paid | -30.00 | -23.00 | - | - | - | - |
| Interest Paid | 620.00 | 515.00 | 443.00 | 254.00 | - | - |
| Interest Received | 49.00 | 30.00 | 11.00 | 14.00 | 12.00 | 5.00 |
| Net Cash Flow | 19.00 | 345.00 | -382.00 | 408.00 | 62.00 | -38.00 |
| Other Cash Financing Items Paid | -10.00 | -7.00 | -6.00 | -5.00 | -15.00 | -4.00 |
| Other Cash Investing Items Paid | -97.00 | -176.00 | -13.00 | 419.00 | -396.00 | -66.00 |
| Profit From Operations | -201.00 | -171.00 | -136.00 | -47.00 | 158.00 | 117.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Homefirst | 2025-04-30 | - | 36.54 | 21.21 | 29.79 | 0.00 |
| Homefirst | 2025-03-31 | - | 36.00 | 19.82 | 29.93 | 0.00 |
| Homefirst | 2024-12-31 | - | 37.91 | 18.28 | 29.50 | 0.00 |
| Homefirst | 2024-09-30 | - | 25.57 | 12.41 | 38.62 | 0.00 |
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