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Home First Finance Company India BSE:543259 Stock Report

Last Price

₹744.80

Market Cap

₹65.3b

7D

-1.1%

1Y

39.0%

Updated

04 Jul, 2022

Data

Company Financials +
543259 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth4/6
Past Performance4/6
Financial Health1/6
Dividends0/6

543259 Stock Overview

Home First Finance Company India Limited operates as a housing finance company in India.

Home First Finance Company India Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Home First Finance Company India
Historical stock prices
Current Share Price₹744.80
52 Week High₹919.95
52 Week Low₹529.05
Beta0
1 Month Change-4.62%
3 Month Change-4.65%
1 Year Change39.01%
3 Year Changen/a
5 Year Changen/a
Change since IPO41.22%

Recent News & Updates

Shareholder Returns

543259IN MortgageIN Market
7D-1.1%1.1%0.6%
1Y39.0%-13.1%-0.3%

Return vs Industry: 543259 exceeded the Indian Mortgage industry which returned -13.1% over the past year.

Return vs Market: 543259 exceeded the Indian Market which returned -0.3% over the past year.

Price Volatility

Is 543259's price volatile compared to industry and market?
543259 volatility
543259 Average Weekly Movement5.0%
Mortgage Industry Average Movement5.5%
Market Average Movement6.8%
10% most volatile stocks in IN Market9.8%
10% least volatile stocks in IN Market4.4%

Stable Share Price: 543259 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: 543259's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2010851Manoj Viswanathanhttps://www.homefirstindia.com

Home First Finance Company India Limited operates as a housing finance company in India. The company offers housing loans for the purchase or construction of homes, loans against property, loans for extension and renovation of home, and loans for purchase of commercial property. It serves salaried and self-employed customers.

Home First Finance Company India Fundamentals Summary

How do Home First Finance Company India's earnings and revenue compare to its market cap?
543259 fundamental statistics
Market Cap₹65.31b
Earnings (TTM)₹1.86b
Revenue (TTM)₹3.55b

35.1x

P/E Ratio

4.2x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
543259 income statement (TTM)
Revenue₹3.55b
Cost of Revenue₹2.32m
Gross Profit₹3.55b
Other Expenses₹1.68b
Earnings₹1.86b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)21.22
Gross Margin99.93%
Net Profit Margin52.45%
Debt/Equity Ratio220.3%

How did 543259 perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is 543259 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 543259?

Other financial metrics that can be useful for relative valuation.

543259 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.9x

Price to Earnings Ratio vs Peers

How does 543259's PE Ratio compare to its peers?

543259 PE Ratio vs Peers
The above table shows the PE ratio for 543259 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average16.8x
511196 Can Fin Homes
12.5xn/a₹58.8b
IIFL IIFL Finance
10.8xn/a₹128.1b
540173 PNB Housing Finance
6.6x13.8%₹55.6b
543335 Aptus Value Housing Finance India
37.2x18.0%₹137.8b
543259 Home First Finance Company India
35.1x18.3%₹65.3b

Price-To-Earnings vs Peers: 543259 is expensive based on its Price-To-Earnings Ratio (35.1x) compared to the peer average (16.8x).


Price to Earnings Ratio vs Industry

How does 543259's PE Ratio compare vs other companies in the Asian Mortgage Industry?

Price-To-Earnings vs Industry: 543259 is expensive based on its Price-To-Earnings Ratio (35.1x) compared to the Indian Mortgage industry average (15.8x)


Price to Earnings Ratio vs Fair Ratio

What is 543259's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

543259 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio35.1x
Fair PE Ratio16.8x

Price-To-Earnings vs Fair Ratio: 543259 is expensive based on its Price-To-Earnings Ratio (35.1x) compared to the estimated Fair Price-To-Earnings Ratio (16.8x).


Share Price vs Fair Value

What is the Fair Price of 543259 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 543259 (₹744.8) is trading above our estimate of fair value (₹236.34)

Significantly Below Fair Value: 543259 is trading above our estimate of fair value.


Price to Earnings Growth Ratio

PEG Ratio: 543259 is poor value based on its PEG Ratio (1.9x)


Discover undervalued companies

Future Growth

How is Home First Finance Company India forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?

Future Growth Score

4/6

Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


18.3%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: 543259's forecast earnings growth (18.3% per year) is above the savings rate (6.8%).

Earnings vs Market: 543259's earnings (18.3% per year) are forecast to grow faster than the Indian market (17.3% per year).

High Growth Earnings: 543259's earnings are forecast to grow, but not significantly.

Revenue vs Market: 543259's revenue (21.7% per year) is forecast to grow faster than the Indian market (11.5% per year).

High Growth Revenue: 543259's revenue (21.7% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: 543259's Return on Equity is forecast to be low in 3 years time (14.4%).


Discover growth companies

Past Performance

How has Home First Finance Company India performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


36.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 543259 has a high level of non-cash earnings.

Growing Profit Margin: 543259's current net profit margins (52.5%) are higher than last year (41.9%).


Past Earnings Growth Analysis

Earnings Trend: 543259's earnings have grown significantly by 36.2% per year over the past 5 years.

Accelerating Growth: 543259's earnings growth over the past year (85.8%) exceeds its 5-year average (36.2% per year).

Earnings vs Industry: 543259 earnings growth over the past year (85.8%) exceeded the Mortgage industry 22.9%.


Return on Equity

High ROE: 543259's Return on Equity (11.8%) is considered low.


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Financial Health

How is Home First Finance Company India's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

1/6

Financial Health Score 1/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 543259's Assets to Equity ratio (3.3x) is low.

Allowance for Bad Loans: Insufficient data to determine if 543259 has a sufficient allowance for bad loans.

Low Risk Liabilities: 543259 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.

Loan Level: Insufficient data to determine if 543259 has an appropriate level of Loans to Assets ratio.

Low Risk Deposits: 543259 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Level of Bad Loans: Insufficient data to determine if 543259 has an appropriate level of bad loans.


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Dividend

What is Home First Finance Company India current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


0.19%

Forecast Dividend Yield

Dividend Yield vs Market

Notable Dividend: Unable to evaluate 543259's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate 543259's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 543259's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 543259's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 543259's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

2.9yrs

Average management tenure


CEO

Manoj Viswanathan (52 yo)

2.5yrs

Tenure

₹18,839,502

Compensation

Mr. Manoj Viswanathan serves as Chief Executive Officer of Home First Finance Company India Limited since 2020 and also serves as its Managing Director since August 1, 2020. Mr. Viswanathan serves as a Dir...


CEO Compensation Analysis

Compensation vs Market: Manoj's total compensation ($USD238.73K) is about average for companies of similar size in the Indian market ($USD336.41K).

Compensation vs Earnings: Manoj's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: 543259's management team is considered experienced (2.9 years average tenure).


Board Members

Experienced Board: 543259's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: 543259 insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Home First Finance Company India Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Home First Finance Company India Limited
  • Ticker: 543259
  • Exchange: BSE
  • Founded: 2010
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Implied Market Cap: ₹65.309b
  • Shares outstanding: 87.69m
  • Website: https://www.homefirstindia.com

Number of Employees


Location

  • Home First Finance Company India Limited
  • 511, Acme Plaza
  • Opposite Sangam Cinema, J B Nagar
  • Mumbai
  • Maharashtra
  • 400059
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/04 00:00
End of Day Share Price2022/07/04 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.