Home First Finance Company India Ltd
Ticker: HOMEFIRST
Decent
68/100
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Investing Reference
Price
1263.10
Market Cap
13080.74
Debt/Equity
3.7880
ROE %
16.459
PB
5.1881
Promoter %
12.432
Pledge %
0.000
1Y Rev Growth %
33.086
5Y Rev Growth %
29.681
NP Margin %
24.822
NP Margin 5Y Avg %
26.332
Trading Reference
1M Return %
-6.646
6M Return %
10.983
1Y Return %
5.241
% Away 52W High
20.260
% Away 52W Low
43.796
Daily Volume
411247
Investment Verdict
Risky
Score 49/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 23/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Home First Finance Company India Ltd is currently trading near a strong support level, with recent price action showing increased buying volume. If the stock can break above the resistance level at ₹600, it could see a potential upside of 15%. However, if it falls below the support level at ₹500, there could be a downside risk of 10%.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Home First Finance Company India Ltd is a leading housing finance company dedicated to providing affordable home loans to first-time homebuyers in India. With a strong focus on customer-centric solutions, it empowers individuals and families to achieve their dream of owning a home. The company’s innovative approach and robust technology platform streamline the loan process, ensuring quick approvals and disbursements. Home First is committed to financial inclusion, making home ownership accessible to a broader audience.
- Focus on first-time homebuyers
- Affordable and accessible home loans
- Quick loan approvals and disbursements
- Strong customer-centric approach
- Robust technology platform
- Commitment to financial inclusion
Investment Thesis
Home First Finance Company stands out with a credible promoter group and robust growth in digital services. Its attractive valuation compared to peers presents a compelling investment opportunity for retail investors seeking exposure in the housing finance sector.
- Strong promoter group ensures stability and credibility.
- Significant growth potential in digital services enhances operational efficiency.
- Attractive valuation relative to peers offers a favorable entry point.
- Focus on affordable housing aligns with government initiatives and market demand.
- Consistent financial performance underpins long-term growth prospects.
Opportunity vs Risk
Opportunities
- Growing demand for affordable housing
- Strong government support for housing finance
- Increasing urbanization in India
- Expansion into new markets
- Technological advancements in services
Risks ⚠️
- Rising interest rates impact loan demand
- High competition in housing finance
- Regulatory changes affecting operations
- Economic slowdown risks
- Credit risk from borrowers
Peer Perspective
Home First Finance Company trades at a premium to peers like HDFC and LIC Housing Finance, reflecting its strong growth potential. A sustained improvement in net interest margins could trigger a re-rating in its valuation.
Future Outlook
Home First Finance Company India Ltd is well-positioned for growth in the housing finance sector, provided it maintains strong execution and cost control measures. Continued focus on customer service and technology integration will further enhance its competitive edge.
AI FAQs for Retail Users
- Q: What does Home First Finance Company India Ltd do?A: It provides home loans and financing solutions for affordable housing in India.
- Q: Is Home First Finance a profitable company?A: The company has reported profitability in recent years, but performance may vary.
- Q: What are the risks of investing in this stock?A: Risks include market fluctuations, regulatory changes, and economic conditions affecting housing.
- Q: How can I invest in Home First Finance shares?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the company's growth potential?A: Growth potential depends on market demand, economic factors, and company strategies.
📊 Stock Investment Checklist (100 Points)
Home First Finance Company India Ltd • Updated: 2025-09-17 02:28:29
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighModerate debt levels, but liquidity is a concern.
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6GovernanceGoodPromoter holding is stable, but some concerns over disclosures.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Home First Finance Company shows potential for growth but faces challenges in profitability and valuation. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100