Home First Finance Company India Limited
Financial trend (85/100) does the heavy lifting; valuation (41/100) is the drag.
Fair valueOur blended model reads Home First Finance Company India Limited as a Buy at 64/100. On 22.5x trailing earnings it sits roughly in line with the Financial Services median of about 24.3x. The price is about 11% below its 52-week high of ₹1,324.21 and 30% above the low of ₹900.59. Financial health scores 86/100, with a Piotroski F-score of 4/9. The average analyst target of ₹1,408.86 implies about 20% upside across 21 analysts. It clears 7 of 12 investability checks, with durability 68, valuation 48 and momentum 70 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹852.3.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-11.31% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy64Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 15.7%
- Fail: Low debt (D/E < 0.5): 2.44x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 31%
- Pass: Earnings growing: 24%
- Pass: Net margin ≥ 10%: 51.0%
- Pass: Current ratio > 1.5: 6.42
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter9.4%
- Institutions69.8%
- Public & other20.8%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (51.0%).
Opportunities
- Earnings growing (24% YoY).
- Revenue growing (31% YoY).
Bear case
Weaknesses
- High debt relative to equity.
About Home First Finance Company India Limited
Home First Finance Company India Limited provides housing finance services including home loans, self-construction financing, renovation loans, mortgages, and shop loans. The company offers top-up loans, insurance loan products, and loan origination through mobile applications.
Home First Finance Company India Limited — frequently asked questions
Is Home First Finance Company India Limited a buy, hold or sell?
StocksWizard currently rates Home First Finance Company India Limited (HOMEFIRST) a Buy, based on a blended score of 64/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Home First Finance Company India Limited's fair value?
Our blended DCF and relative-valuation model estimates Home First Finance Company India Limited's fair value at about ₹1,065.37, versus a current price of ₹1,174.5 — roughly 9% downside. On that basis the stock looks fairly valued.
Is Home First Finance Company India Limited financially healthy?
Home First Finance Company India Limited scores 86/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has Home First Finance Company India Limited's share price performed?
Home First Finance Company India Limited is up 2% over three months, and last traded at ₹1,174.5. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.