Home First Finance Company India Limited
Home First Finance Company India Limited Fundamental Analysis
Home First Finance Company India Limited (HOMEFIRST.BO) shows strong financial fundamentals with a PE ratio of 26.11, profit margin of 29.45%, and ROE of 14.98%. The company generates $16.9B in annual revenue with strong year-over-year growth of 35.31%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -103.8/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze HOMEFIRST.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakHOMEFIRST.BO struggles to generate sufficient returns from assets.
Valuation Score
WeakHOMEFIRST.BO trades at a premium to fair value.
Growth Score
ExcellentHOMEFIRST.BO delivers strong and consistent growth momentum.
Financial Health Score
WeakHOMEFIRST.BO carries high financial risk with limited liquidity.
Profitability Score
WeakHOMEFIRST.BO struggles to sustain strong margins.
Key Financial Metrics
Is HOMEFIRST.BO Expensive or Cheap?
P/E Ratio
HOMEFIRST.BO trades at 26.11 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, HOMEFIRST.BO's PEG of 4.68 indicates potential overvaluation.
Price to Book
The market values Home First Finance Company India Limited at 3.10 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 5.63 times EBITDA. This is generally considered low.
How Well Does HOMEFIRST.BO Make Money?
Net Profit Margin
For every $100 in sales, Home First Finance Company India Limited keeps $29.45 as profit after all expenses.
Operating Margin
Core operations generate 34.76 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $14.98 in profit for every $100 of shareholder equity.
ROA
Home First Finance Company India Limited generates $3.47 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Home First Finance Company India Limited generates limited operating cash flow of $-10.60B, signaling weaker underlying cash strength.
Free Cash Flow
Home First Finance Company India Limited generates weak or negative free cash flow of $-10.67B, restricting financial flexibility.
FCF Per Share
Each share generates $-102.49 in free cash annually.
FCF Yield
HOMEFIRST.BO converts -8.18% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
26.11
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.68
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.10
vs 25 benchmark
P/S Ratio
Price to sales ratio
7.72
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.37
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How HOMEFIRST.BO Stacks Against Its Sector Peers
| Metric | HOMEFIRST.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 26.11 | 19.09 | Worse (Expensive) |
| ROE | 14.98% | 843.00% | Weak |
| Net Margin | 29.45% | 3730.00% | Weak |
| Debt/Equity | 2.37 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.00 | 661.68 | Weak Liquidity |
| ROA | 3.47% | -21651.00% (disorted) | Weak |
HOMEFIRST.BO outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Home First Finance Company India Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
210.09%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
289.14%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-115.28%
Industry Style: Value, Dividend, Cyclical
Declining