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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Home First Finance Company India Limited is a technology-driven affordable housing finance company that targets first-time home buyers in low and middle-income groups. The Company primarily offers housing loans for the purchase or construction of homes. The Company offers…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
Home First Finance Co. is scored on the nbfc / financials framework. It keeps a fat 28.2% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 34%/yr and profit at 33%/yr. Book value itself has compounded 34%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.3%. In the latest quarter profit grew 6% versus the prior quarter.
At 21× earnings, the stock sits at the 5th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price implies ~8%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 18.39 | 19.25 | better |
| P/B | 2.44 | — | — |
| EV/EBITDA | 13.68 | — | — |
| ROE | 13.28 | 9.23 | better |
| ROCE | 9.63 | 8.69 | better |
| ROA | 3.61 | — | — |
| Quick Ratio | 5.38 | 9.37 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 34% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. The latest year saw a +41% swing — check if it's a one-off or structural.
Operating margins have been stable around 37% — no major structural shift. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 12% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (33% vs 26%) — share dilution is eroding per-share value. 26% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 5% sequentially — momentum is building. Run-rate stepping up — recent quarters average 12% above earlier ones.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 7.0% — widely held; sentiment-driven. Promoters reduced 5.4pp over 4 quarters — watch whether this is planned divestment or pledge invocations.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.