Home First Finance Company India Limited

BSE:543259 Stock Report

Market Cap: ₹94.6b

Home First Finance Company India Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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.

Discounted Cash Flow
Simply Wall St
₹484.75
Fair Value
115.6% overvalued intrinsic discount
16
Number of Analysts

Below Fair Value: 543259 (₹1045.3) is trading above our estimate of fair value (₹484.75)

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

Key Valuation Metric

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

Key metric: As 543259 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 543259. This is calculated by dividing 543259's market cap by their current earnings.
What is 543259's PE Ratio?
PE Ratio27.3x
Earnings₹3.42b
Market Cap₹94.59b

Price to Earnings Ratio vs Peers

How does 543259's PE Ratio compare to its 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.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average19.8x
511196 Can Fin Homes
11.3x13.3%₹93.9b
APTUS Aptus Value Housing Finance India
21.3x18.8%₹145.5b
AAVAS Aavas Financiers
24.9x20.3%₹133.0b
AADHARHFC Aadhar Housing Finance
21.8x21.1%₹181.8b
543259 Home First Finance Company India
27.3x22.4%₹94.6b

Price-To-Earnings vs Peers: 543259 is expensive based on its Price-To-Earnings Ratio (27.3x) compared to the peer average (19.8x).

Price to Earnings Ratio vs Industry

How does 543259's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

6 CompaniesPrice / EarningsEstimated GrowthMarket Cap
531310 Available Finance
2.2xn/aUS$35.66m
538732 Vibrant Global Capital
4.9xn/aUS$16.87m
539946 Bazel International
4.6xn/aUS$2.17m
538863 Sri Amarnath Finance
3.1xn/aUS$941.06k
543259 27.3xIndustry Avg. 27.6xNo. of Companies18PE020406080100+
6 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 543259 is good value based on its Price-To-Earnings Ratio (27.3x) compared to the Indian Diversified Financial industry average (27.6x).

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 Ratio27.3x
Fair PE Ratio21.1x

Price-To-Earnings vs Fair Ratio: 543259 is expensive based on its Price-To-Earnings Ratio (27.3x) compared to the estimated Fair Price-To-Earnings Ratio (21.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 543259 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹1,045.30
₹1,252.00
+19.8%
11.6%₹1,400.00₹822.00n/a16
Jan ’26₹1,045.10
₹1,249.75
+19.6%
11.7%₹1,400.00₹816.00n/a16
Dec ’25₹1,052.50
₹1,256.00
+19.3%
11.8%₹1,430.00₹816.00n/a16
Nov ’25₹1,191.90
₹1,256.00
+5.4%
11.8%₹1,430.00₹816.00n/a16
Oct ’25₹1,183.80
₹1,206.25
+1.9%
12.3%₹1,430.00₹785.00n/a16
Sep ’25₹1,150.35
₹1,194.06
+3.8%
11.9%₹1,345.00₹785.00n/a16
Aug ’25₹1,023.20
₹1,194.06
+16.7%
11.9%₹1,345.00₹785.00n/a16
Jul ’25₹1,128.30
₹1,100.56
-2.5%
12.5%₹1,250.00₹714.00n/a16
Jun ’25₹816.55
₹1,099.19
+34.6%
12.6%₹1,250.00₹712.00n/a16
May ’25₹913.10
₹1,126.13
+23.3%
10.3%₹1,250.00₹742.00n/a15
Apr ’25₹919.85
₹1,138.40
+23.8%
10.1%₹1,250.00₹735.00n/a15
Mar ’25₹903.40
₹1,138.40
+26.0%
10.1%₹1,250.00₹735.00n/a15
Feb ’25₹989.90
₹1,138.40
+15.0%
10.1%₹1,250.00₹735.00n/a15
Jan ’25₹932.00
₹1,085.47
+16.5%
11.1%₹1,250.00₹700.00₹1,045.1015
Dec ’24₹920.30
₹1,078.80
+17.2%
10.5%₹1,175.00₹700.00₹1,052.5015
Nov ’24₹911.85
₹1,078.80
+18.3%
10.5%₹1,175.00₹700.00₹1,191.9015
Oct ’24₹811.05
₹999.53
+23.2%
10.4%₹1,130.00₹656.00₹1,183.8015
Sep ’24₹862.70
₹983.15
+14.0%
10.6%₹1,100.00₹656.00₹1,150.3513
Aug ’24₹836.00
₹990.08
+18.4%
10.9%₹1,100.00₹656.00₹1,023.2013
Jul ’24₹786.30
₹954.33
+21.4%
11.9%₹1,090.00₹639.00₹1,128.3012
Jun ’24₹728.90
₹946.00
+29.8%
12.0%₹1,090.00₹639.00₹816.5512
May ’24₹711.85
₹941.75
+32.3%
12.2%₹1,090.00₹621.00₹913.1012
Apr ’24₹744.60
₹961.75
+29.2%
12.3%₹1,090.00₹621.00₹919.8512
Mar ’24₹732.05
₹961.75
+31.4%
12.3%₹1,090.00₹621.00₹903.4012
Feb ’24₹758.85
₹951.33
+25.4%
11.8%₹1,060.00₹621.00₹989.9012
Jan ’24₹731.80
₹972.00
+32.8%
6.3%₹1,050.00₹860.00₹932.0010
Analyst Price Target
Consensus Narrative from 16 Analysts
₹1.26k
Fair Value
16.9% undervalued intrinsic discount
16
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/09 12:09
End of Day Share Price 2025/01/09 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Home First Finance Company India Limited is covered by 26 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Raghav GargAmbit Capital
Nitin BhasinAmbit Capital
Praveen AgarwalAxis Capital Limited