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Earnings Call

Home First Finance Company India Earnings Call: Key Takeaways

Home First delivered robust FY26 results with a 41.4% profit surge and record Q4 disbursements. The narrative highlights resilience in southern states and operational scaling via AI-led productivity enhancements.

Why this was an Alfa AlertNot a filter event. Results and guidance are consistent with historical trends and market expectations without a material beat over prior specific guidance.
Highlights
Revenue growthTotal income up 21.3% YoY to ₹505 cr in Q4.
MarginsNIMs robust at 5.7%; spreads maintained in 5.0-5.25% range.
Demand visibilityStrong momentum in Maharashtra and southern states; e-khata issues resolved.
Management confidenceBalanced confidence; focused on disciplined execution and asset quality improvements.

Growth

AUM grew 24.9% YoY to ₹15,878 cr; PAT rose 41.4% to ₹540 cr.

Outlook

Management guided for 25% AUM growth in FY27 with a 5.0-5.25% spread target.

Risks

Potential NIM compression from 10bps PLR cut and shifting ticket size mix toward larger loans.

Source

Earnings Call filed with BSE, NSE: HOMEFIRST. Summary written with AI assistance from the document.

Read the document ↗

Home First Finance Company India Ltd: key numbers

Share price
₹1,089.80
Market cap
₹11,396 Cr
Revenue (annual)
₹1,915 Cr
Net profit (annual)
₹540.4 Cr
P/E (TTM)
18.4×Sector 20.8×
Promoter holding
6.97%+0.00% QoQ
FII holding
42.44%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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