HOME FIRST FINANCE COMPANY INDIA LIMITED Financials Home First Finance Company India Limited
Equities
HOMEFIRST
INE481N01025
Consumer Lending
|
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 1,060 INR | +0.54% |
|
+0.43% | +13.99% |
| Jun. 20 | Home First Finance Company India Limited Declares Final Dividend for Year 2024 | CI |
| May. 09 | Transcript : Home First Finance Company India Limited, Q4 2024 Earnings Call, May 09, 2024 |
Valuation
| Fiscal Period: Marzo | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 39,190 | 67,430 | 65,357 | 79,470 | 94,268 | - | - |
| Enterprise Value (EV) 1 | 39,190 | 67,430 | 65,357 | 79,470 | 94,268 | 94,268 | 94,268 |
| P/E ratio | 36.8 x | 36.9 x | 29.5 x | 26.7 x | 25.3 x | 20.3 x | 17 x |
| Yield | - | - | 0.35% | 0.38% | 0.36% | 0.43% | 0.46% |
| Capitalization / Revenue | 14.6 x | 17.7 x | 13.3 x | 12.1 x | 11.5 x | 9.15 x | 7.66 x |
| EV / Revenue | 14.6 x | 17.7 x | 13.3 x | 12.1 x | 11.5 x | 9.15 x | 7.66 x |
| EV / EBITDA | - | - | - | 19.9 x | 19.4 x | 15.8 x | 12.8 x |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | 2.67 x | 4.36 x | 3.6 x | 3.75 x | 3.8 x | 3.24 x | 2.76 x |
| Nbr of stocks (in thousands) | 87,400 | 87,634 | 88,017 | 88,516 | 88,911 | - | - |
| Reference price 2 | 448.4 | 769.4 | 742.6 | 897.8 | 1,060 | 1,060 | 1,060 |
| Announcement Date | 5/3/21 | 5/3/22 | 5/2/23 | 5/8/24 | - | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: Marzo | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 4,197 | 2,690 | 3,800 | 4,913 | 6,567 | 8,216 | 10,297 | 12,303 |
| EBITDA 1 | - | - | - | - | 4,000 | 4,852 | 5,973 | 7,339 |
| EBIT 1 | - | 1,662 | 2,513 | 3,167 | 4,254 | 5,232 | 6,491 | 7,989 |
| Operating Margin | - | 61.78% | 66.13% | 64.47% | 64.78% | 63.67% | 63.04% | 64.93% |
| Earnings before Tax (EBT) 1 | - | 1,340 | 2,263 | 2,952 | 4,000 | 4,853 | 6,074 | 7,483 |
| Net income 1 | - | 1,001 | 1,861 | 2,283 | 3,057 | 3,713 | 4,613 | 5,590 |
| Net margin | - | 37.23% | 48.97% | 46.47% | 46.55% | 45.19% | 44.8% | 45.43% |
| EPS 2 | - | 12.18 | 20.85 | 25.20 | 33.67 | 41.93 | 52.22 | 62.37 |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | - | - | 2.600 | 3.400 | 3.852 | 4.553 | 4.875 |
| Announcement Date | 9/23/20 | 5/3/21 | 5/3/22 | 5/2/23 | 5/8/24 | - | - | - |
1INR in Million2INR
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: Marzo | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 | 2025 Q2 | 2025 Q3 | 2025 Q4 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | - | 1,023 | 1,086 | 1,182 | 1,260 | 1,384 | 1,530 | 1,610 | 1,708 | 1,719 | 1,812 | 1,940 | 2,118 | 2,367 |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT 1 | 651.2 | 659 | 699.1 | 741.4 | 817.3 | 909.6 | 977.2 | 1,044 | 1,097 | 1,135 | 1,160 | 1,255 | 1,376 | 1,501 |
| Operating Margin | - | 64.43% | 64.35% | 62.7% | 64.87% | 65.71% | 63.85% | 64.88% | 64.26% | 66.03% | 64.02% | 64.69% | 64.96% | 63.41% |
| Earnings before Tax (EBT) 1 | 591.5 | 632.1 | 663 | 691.7 | 757.4 | 840 | 900.3 | 964.4 | 1,027 | 1,107 | 1,068 | 1,159 | 1,256 | 1,320 |
| Net income 1 | 459.4 | 601.9 | 512.5 | 542.7 | 587.4 | 640.3 | 691.2 | 743.1 | 788.2 | 834.7 | 837.3 | 915 | 979.5 | 1,057 |
| Net margin | - | 58.85% | 47.17% | 45.9% | 46.63% | 46.25% | 45.17% | 46.16% | 46.15% | 48.56% | 46.21% | 47.16% | 46.26% | 44.66% |
| EPS 2 | 5.140 | 6.730 | 5.700 | 6.030 | 6.530 | 7.060 | 7.610 | 8.170 | 8.650 | 9.160 | 9.650 | - | - | - |
| Dividend per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Announcement Date | 1/27/22 | 5/3/22 | 7/27/22 | 10/19/22 | 1/24/23 | 5/2/23 | 7/27/23 | 10/26/23 | 1/18/24 | 5/8/24 | - | - | - | - |
1INR in Million2INR
Estimates
Balance Sheet Analysis
| Fiscal Period: Marzo | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | - | 8.66% | 12.6% | 13.5% | 15.5% | 16.3% | 17.3% | 17.7% |
| ROA (Net income/ Total Assets) | - | 2.51% | 3.87% | 3.9% | 3.76% | 3.46% | 3.34% | 3.15% |
| Assets 1 | - | 39,951 | 48,135 | 58,536 | 81,364 | 107,376 | 137,946 | 177,455 |
| Book Value Per Share 2 | - | 168.0 | 176.0 | 206.0 | 240.0 | 279.0 | 327.0 | 385.0 |
| Cash Flow per Share | - | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - | - |
| Announcement Date | 9/23/20 | 5/3/21 | 5/3/22 | 5/2/23 | 5/8/24 | - | - | - |
1INR in Million2INR
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
B
Sell
Buy
Mean consensus
BUY
Number of Analysts
16
Last Close Price
1,060
INR
Average target price
1,117
INR
Spread / Average Target
+5.32%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| +13.99% | 1.13B | |
| -4.41% | 51.83B | |
| -5.25% | 30.49B | |
| +50.40% | 26.65B | |
| +37.88% | 26.64B | |
| +28.55% | 19.72B | |
| +9.54% | 13.89B | |
| +36.13% | 12.57B | |
| +25.09% | 8.88B | |
| +165.18% | 8.01B |
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