Home First Finance Company (HOMEFIRST) Fair Value & Analysis
Financial Services · IN · Market cap ₹126B
Fair value as of: Aug 13, 2026
From 13 valuation models · updated yesterday
Share price −5.7% over the past month.
Below-average quality, and screening another 67% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹753.12). The favourable scenario is already priced in.
- Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (₹315.56 to ₹753.12) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range ₹459.36 – ₹1,472 · fair‑value band ₹315.56 – ₹753.12 · the ₹1,177 price screens above the ₹387.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Home First Finance Company (HOMEFIRST) currently trades at ₹1,177, while our model-based Fair Value estimate is ₹387.37, implying the stock looks roughly 67.1% overvalued today. The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Home First Finance Company generated revenue of ₹10.6B at a net margin of 51.0%. Revenue grew 30.6% year over year. It earns a return on equity of 15.7%. Net debt stands at ₹97.5B. Fundamentals as of Aug 13, 2026
Our scenario range runs from ₹315.56 (bear case) to ₹753.12 (bull case); at ₹1,177, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 32% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -67%, HOMEFIRST screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Earnings-Based (₹1,809) versus Dividend Discount (₹58.78). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 51
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Home First Finance Company India Limited operates as a housing finance company in India. The company offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. It also provides insurance loan products and loans through mobile applications.
Full company description
Home First Finance Company India Limited operates as a housing finance company in India. The company offers home, self-construction, renovation, mortgage, shop, and resale, as well as top-up loans. It also provides insurance loan products and loans through mobile applications. The company serves salaried professionals, self-employed individuals, informal earners, and small business owners, as well as corporates. Home First Finance Company India Limited was incorporated in 2010 and is headquartered in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Home First Finance Company reported revenue of ₹19.2B in FY2026 versus ₹4.8B in FY2022, a compound +41.6%/yr. Reported net income was ₹5.4B in FY2026, compounding +30.5%/yr from FY2022.
HOMEFIRST screens 67% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 91 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $14.62 | $29.24 | +100% |
| Rocket Companies, Inc RKT | $14.05 | $10.56 | -25% |
| Federal National Mortgage Association FNMAS | $10.02 | $2.02 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.75 | ₹39.96 | -53% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,165 | ₹762.89 | -35% |
| Aadhar Housing Finance Limited AADHARHFC | ₹502.00 | ₹325.75 | -35% |
| Aptus Value Housing Finance India Limited APTUS | ₹254.75 | ₹244.80 | -4% |
| Aavas Financiers Limited AAVAS | ₹1,416 | ₹675.38 | -52% |
| Can Fin Homes Limited CANFINHOME | ₹821.95 | ₹664.30 | -19% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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