| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 4/6 |
| Financial Health | 1/6 |
| Dividends | 0/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | ₹744.80 |
| 52 Week High | ₹919.95 |
| 52 Week Low | ₹529.05 |
| Beta | 0 |
| 1 Month Change | -4.62% |
| 3 Month Change | -4.65% |
| 1 Year Change | 39.01% |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 41.22% |
Recent News & Updates
Shareholder Returns
| 543259 | IN Mortgage | IN Market | |
|---|---|---|---|
| 7D | -1.1% | 1.1% | 0.6% |
| 1Y | 39.0% | -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
| 543259 volatility | |
|---|---|
| 543259 Average Weekly Movement | 5.0% |
| Mortgage Industry Average Movement | 5.5% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in IN Market | 9.8% |
| 10% least volatile stocks in IN Market | 4.4% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2010 | 851 | Manoj Viswanathan | https://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
| 543259 fundamental statistics | |
|---|---|
| Market Cap | ₹65.31b |
| Earnings (TTM) | ₹1.86b |
| Revenue (TTM) | ₹3.55b |
35.1x
P/E Ratio4.2x
P/B RatioIs 543259 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 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 Margin | 99.93% |
| Net Profit Margin | 52.45% |
| Debt/Equity Ratio | 220.3% |
How did 543259 perform over the long term?
See historical performance and comparisonValuation
Is 543259 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
0/6Valuation 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.
| What is 543259's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | ₹65.31b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 1.9x |
Price to Earnings Ratio vs Peers
How does 543259's PE Ratio compare to its peers?
| 543259 PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 16.8x | ||
511196 Can Fin Homes | 12.5x | n/a | ₹58.8b |
IIFL IIFL Finance | 10.8x | n/a | ₹128.1b |
540173 PNB Housing Finance | 6.6x | 13.8% | ₹55.6b |
543335 Aptus Value Housing Finance India | 37.2x | 18.0% | ₹137.8b |
543259 Home First Finance Company India | 35.1x | 18.3% | ₹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.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 35.1x |
| Fair PE Ratio | 16.8x |
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)
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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
4/6Future 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%).
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Past Performance
How has Home First Finance Company India performed over the past 5 years?
Past Performance Score
4/6Past 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
1/6Financial 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
0/6Dividend 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.
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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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/07/04 00:00 |
| End of Day Share Price | 2022/07/04 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2022/03/31 |
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.