WEBSITE BSE:543259 NSE : HOMEFIRST 28 Mar, 11:04
Market Cap ₹5909 Cr.
Stock P/E 27.2
P/B 3.4
Current Price ₹671.4
Book Value ₹ 198.2
Face Value 2
52W High ₹1004.4
Dividend Yield 0%
52W Low ₹ 652.3
Home First Finance Company India Ltd operates as a housing finance organisation in India. The organisation offers housing loans for the purchase or construction of houses, loans against property, loans for extension and renovation of home, and loans for purchase of industrial assets. It serves salaried and self-employed customers. The enterprise was founded in 2010 and is centred in Mumbai, India.
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#(Fig in Cr.) | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Dec 2022 |
---|---|---|---|---|---|---|---|---|
Operating Revenue | 108 | 132 | 138 | 146 | 152 | 156 | 169 | 205 |
Other Income | 2 | 4 | 4 | 0 | 0 | 0 | 0 | 0 |
Total Income | 110 | 136 | 142 | 146 | 152 | 156 | 169 | 206 |
Total Expenditure | 33 | 37 | 39 | 32 | 35 | 37 | 40 | 48 |
Operating Profit | 77 | 99 | 103 | 115 | 116 | 119 | 129 | 158 |
Interest Expense | 54 | 54 | 53 | 56 | 55 | 54 | 61 | 80 |
Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
Profit Before Tax | 21 | 43 | 48 | 56 | 59 | 63 | 66 | 76 |
Provision for Tax | 5 | 11 | 13 | 11 | 13 | 3 | 15 | 17 |
Profit After Tax | 16 | 31 | 35 | 45 | 46 | 60 | 51 | 59 |
Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit After Adjustments | 16 | 31 | 35 | 45 | 46 | 60 | 51 | 59 |
Adjusted Earnings Per Share | 1.9 | 3.6 | 4 | 5.1 | 5.2 | 6.9 | 5.8 | 6.7 |
#(Fig in Cr.) | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | TTM |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Revenue | 1 | 6 | 17 | 35 | 60 | 92 | 132 | 260 | 399 | 489 | 596 | 682 |
Other Income | 1 | 1 | 3 | 4 | 2 | 0 | 2 | 11 | 21 | 0 | 0 | 0 |
Total Income | 2 | 7 | 20 | 39 | 62 | 92 | 134 | 271 | 420 | 489 | 596 | 683 |
Total Expenditure | 3 | 5 | 8 | 12 | 16 | 26 | 42 | 75 | 111 | 127 | 143 | 160 |
Operating Profit | -1 | 2 | 12 | 27 | 46 | 66 | 93 | 196 | 308 | 362 | 453 | 522 |
Interest Expense | 0 | 3 | 10 | 22 | 37 | 54 | 66 | 127 | 194 | 221 | 219 | 250 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 5 | 7 | 8 | 8 | 8 |
Profit Before Tax | -1 | -1 | 2 | 5 | 9 | 10 | 24 | 65 | 107 | 134 | 226 | 264 |
Provision for Tax | 0 | 0 | -0 | 1 | 3 | 4 | 8 | 20 | 28 | 34 | 40 | 48 |
Profit After Tax | -1 | -1 | 3 | 3 | 6 | 7 | 16 | 46 | 80 | 100 | 186 | 216 |
Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit After Adjustments | -1 | -1 | 3 | 3 | 6 | 7 | 16 | 46 | 80 | 100 | 186 | 216 |
Adjusted Earnings Per Share | -1 | -0.7 | 1.8 | 2.3 | 3.2 | 1.3 | 3.1 | 7.2 | 10.2 | 11.5 | 21.2 | 24.6 |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 22% | 32% | 45% | 89% |
Operating Profit CAGR | 25% | 32% | 47% | 0% |
PAT CAGR | 86% | 59% | 93% | 0% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | -6% | NA% | NA% | NA% |
ROE Average | 13% | 11% | 10% | 5% |
ROCE Average | 9% | 10% | 9% | 7% |
#(Fig in Cr.) | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
---|---|---|---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 28 | 50 | 99 | 102 | 154 | 306 | 325 | 523 | 933 | 1381 | 1574 |
Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Borrowings | 4 | 44 | 91 | 214 | 362 | 655 | 1020 | 1926 | 2484 | 3054 | 3464 |
Current Liability | 2 | 8 | 25 | 42 | 78 | 30 | 30 | 46 | 76 | 94 | 117 |
Other Liabilities & Provisions | 0 | 0 | 1 | 1 | 5 | -1 | -5 | 2 | 10 | 11 | 6 |
Total Liabilities | 34 | 102 | 216 | 359 | 599 | 991 | 1371 | 2496 | 3503 | 4539 | 5161 |
Loans | 20 | 67 | 157 | 302 | 473 | 761 | 1273 | 1997 | 2724 | 3018 | 3817 |
Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 103 | 0 | 0 | 0 |
Fixed Assets | 0 | 0 | 0 | 1 | 1 | 7 | 10 | 17 | 21 | 17 | 20 |
Other Loans | 0 | 2 | 5 | 14 | 35 | 29 | 36 | 138 | 290 | 309 | 488 |
Other Non Current Assets | 0 | 0 | 0 | 8 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
Current Assets | 13 | 33 | 52 | 35 | 90 | 195 | 51 | 241 | 468 | 1196 | 836 |
Total Assets | 34 | 102 | 216 | 359 | 599 | 991 | 1371 | 2496 | 3503 | 4539 | 5161 |
#(Fig in Cr.) | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
---|---|---|---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 13 | 0 | 24 | 35 | 29 | 23 | 116 | 23 | 186 | 148 | 209 |
Cash Flow from Operating Activities | -20 | 0 | -86 | -134 | -151 | -273 | -506 | -791 | -823 | -223 | -807 |
Cash Flow from Investing Activities | 0 | 0 | -3 | 11 | 8 | -14 | 56 | -105 | -108 | -615 | 804 |
Cash Flow from Financing Activities | 19 | 0 | 100 | 117 | 190 | 380 | 357 | 1059 | 893 | 900 | 411 |
Net Cash Inflow / Outflow | -0 | 0 | 11 | -6 | 46 | 93 | -93 | 163 | -38 | 62 | 408 |
Closing Cash & Cash Equivalent | 13 | 0 | 35 | 29 | 75 | 116 | 23 | 186 | 148 | 209 | 618 |
# | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 |
---|---|---|---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | -1.01 | -0.75 | 1.78 | 2.33 | 3.16 | 1.29 | 3.1 | 7.22 | 10.16 | 11.46 | 21.24 |
CEPS(Rs) | -0.97 | -0.68 | 1.87 | 2.56 | 3.4 | 1.6 | 3.58 | 7.94 | 11.08 | 12.33 | 22.09 |
DPS(Rs) | 0 | 0 | 0 | 0.02 | 0.04 | 0 | 0 | 0 | 0 | 0 | 0 |
Book NAV/Share(Rs) | 20.38 | 34.03 | 66.67 | 68.94 | 79.77 | 58.72 | 61.83 | 81.86 | 118.26 | 156.86 | 178 |
Net Profit Margin | -103.99 | -17.59 | 15.04 | 9.66 | 10.07 | 7.29 | 12.11 | 17.59 | 19.95 | 20.47 | 31.24 |
Operating Margin | -93.38 | 29.96 | 71.76 | 76.59 | 76.92 | 70.32 | 68.31 | 73.79 | 75.54 | 72.5 | 74.76 |
PBT Margin | -103.26 | -17.59 | 13.66 | 13.58 | 15.13 | 11.31 | 18.37 | 25.11 | 26.92 | 27.41 | 37.99 |
ROA(%) | -5.46 | -1.57 | 1.6 | 1.17 | 1.25 | 0.84 | 1.35 | 2.36 | 2.65 | 2.49 | 3.84 |
ROE(%) | -6.4 | -2.83 | 3.53 | 3.47 | 4.84 | 2.95 | 5.14 | 10.92 | 11.01 | 8.72 | 12.7 |
ROCE(%) | -4.97 | 2.71 | 7.72 | 9.41 | 9.79 | 8.29 | 7.8 | 10.11 | 10.25 | 9.02 | 9.4 |
Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39.15 | 36.22 |
Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.86 | 4.32 |
Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EV/Net Sales(x) | -2.93 | 3.94 | 4.29 | 6.63 | 6.08 | 5.36 | 7.57 | 6.72 | 5.74 | 12.87 | 16.01 |
EV/Core EBITDA(x) | 3.31 | 12.46 | 5.91 | 8.56 | 7.84 | 7.45 | 10.79 | 8.89 | 7.42 | 17.38 | 21.07 |
Interest Earned Growth(%) | 1482.43 | 371.04 | 178.58 | 105.96 | 71.38 | 53.5 | 44.24 | 96.82 | 53.34 | 22.69 | 21.78 |
Net Profit Growth | -134.46 | 20.31 | 338.2 | 32.32 | 78.54 | 11.15 | 139.57 | 185.85 | 73.98 | 25.88 | 85.83 |
EPS Growth(%) | -119.63 | 26.15 | 337.37 | 31.03 | 35.74 | -59.04 | 139.52 | 132.93 | 40.74 | 12.78 | 85.34 |
Interest Coverage(x) % | -9.45 | 0.63 | 1.24 | 1.22 | 1.24 | 1.19 | 1.37 | 1.52 | 1.55 | 1.61 | 2.03 |
# | Sep 2017 | Jul 2018 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 12.97 | 6.36 | 33.7 | 33.66 | 33.65 | 33.62 | 33.6 | 33.58 | 33.57 | 33.52 |
FII | 0 | 0 | 10.86 | 11.61 | 12.68 | 12.07 | 10.9 | 9.49 | 10.31 | 9.38 |
DII | 0 | 91.58 | 42.64 | 43.11 | 40.62 | 40.42 | 40.48 | 41.18 | 6.41 | 6.52 |
Public | 87.03 | 2.06 | 12.8 | 11.62 | 13.05 | 13.89 | 15.01 | 15.75 | 49.71 | 50.58 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
# | Sep 2017 | Jul 2018 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 0.13 | 0.07 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 | 2.94 |
FII | 0 | 0 | 0.95 | 1.02 | 1.11 | 1.06 | 0.96 | 0.83 | 0.9 | 0.82 |
DII | 0 | 0.95 | 3.73 | 3.77 | 3.55 | 3.54 | 3.55 | 3.61 | 0.56 | 0.57 |
Public | 0.9 | 0.02 | 1.12 | 1.02 | 1.14 | 1.22 | 1.32 | 1.38 | 4.36 | 4.44 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 1.03 | 1.03 | 8.74 | 8.75 | 8.75 | 8.76 | 8.76 | 8.77 | 8.77 | 8.78 |
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