HEALTHY GROWTH IN Report as on 1 August 2022 at 09:40 PM

LONG TERM OPERATING

PROFITS

VERY EXPENSIVE
VALUATION
Healthy Growth in Home First
Long Term Net Sales
Finan
4 Consecutive
Positive Results Hold

Mildly Bullish CMP: 838.50

Technical Trend
STOCK INFO:

High (50.67%)
BSE – 543259/ NSE – HOMEFIRST
Market Cap - Mid Cap (Rs. 7,319 cr)
Sector – Finance - Housing
Institutional Holding 52 w H/L (Rs.) – 921.3/535.3
Dividend Yield: 0%
Debt Equity: 2.2%
Return on Equity: 12.85%
Price to Book: 4.63

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Home First Finan
CMP: 838.50 Hold 57
Report as on 1 August 2022 at 09:40 PM
Strong Sell Sell Hold Buy Strong Buy

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WHY IT’S A HOLD? IS THIS STOCK FOR YOU?

High Risk, High Return (1 Year)
Strong Long Term Fundamental Strength with a
51.40% CAGR growth in Operating Profits Absolute Risk Volatility
Adjusted
Healthy long term growth as Net Sales has grown
by an annual rate of 31.80% and Operating profit Home First Finan 39.72% 1.05 37.90%
at 51.40% SENSEX 10.51% 0.60 17.40%
The company has declared Positive results for the
How much should you hold? -
last 4 consecutive quarters
Overall Portfolio exposure to Home First Finan should
-PAT(HY) At Rs 111.44 cr has Grown at 67.83 %
be less than 10%
-NET SALES(Q) Highest at Rs 169.34 cr
Overall Portfolio exposure to Finance - Housing should
-PBDIT(Q) Highest at Rs 129.01 cr.
be less than 30%
Stock is technically in a Mildly Bullish range (If sector exposure > 30%, please use optimiser tool to
-Multiple factors for the stock are Bullish like MACD, see which are the best stocks to hold in Finance -
Housing)
Bollinger Band and KST
When to exit? - We will constantly monitor the company
With ROE of 12.9, it has a Very Expensive and suggest at the appropriate time to exit from the
valuation with a 4.7 Price to Book Value stock
-The stock is trading at a compared to its average
historical valuations RETURNS SUMMARY (Price + Dividend)
-Over the past year, while the stock has generated a The stock gave a total returns of 39.72% in the last 1 year
return of 39.72%, its profits have risen by 86% ; the Outperforming Sensex returns of 10.51%
PEG ratio of the company is 0.4 100%

High Institutional Holdings at 50.67%

50%
-These investors have better capability and resources
to analyse fundamentals of companies than most
0%
retail investors.
Market Beating Performance -50%
-The stock has generated a return of 39.72% in the
Se -2 1

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last 1 year, much higher than market (BSE 500)

Fe

returns of 8.72% Home First Finance Company India Ltd MIDCAP

Investors Returns (3 years) –

Period 6M 1Y 2Y 3Y
Stock (%) 9.81% 39.72% - -
Sector (%) -7.64% -7.64% - -
Sensex (%) -1.27% 10.51% - -

DO YOU HAVE OTHER BETTER CHOICES?

Within same sector Within same market cap
There are no stocks in Finance - Housing industry which we Aster DM Healthcare Ltd
would recommend at this point
Get Verdict Report

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

BEFORE PROCEEDING AHEAD

This Real-Time Stock Analysis service is only for
PAID SUBSCRIBERS of www.marketsmojo.com

This Real-Time Stock Analysis Report was

generated on 1st August, 2022 at 09:40 PM, and
may not be valid if you are reading it later.

Some factors/data, as well as the buy/sell/hold call

might have changed.

To access the LATEST version of this report.

Click Here

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

GROWTH

HEALTHY LONG TERM GROWTH AS NET

SALES HAS GROWN BY AN ANNUAL RATE
OF 31.80% AND OPERATING PROFIT AT
51.40%

High Growth in Net Sales 800Cr

of 31.8% CAGR
31.8% Net Sales has seen a high growth of
600Cr
595

CAGR 21.68% over previous period

489

400Cr

200Cr

0Cr
Jun 2021 Jun 2022

High Growth in Operating 300Cr

Profit of 51.4% CAGR

51.4% Operating Profit has seen a high
226

CAGR growth of 68.66% over previous

200Cr

period 134

100Cr

0Cr
Jun 2021 Jun 2022

Net Profit of 60.3% CAGR 200Cr 186

60.3% Net Profit has seen a high growth of

86% over previous period
150Cr

CAGR
100
100Cr

50Cr

0Cr
Jun 2021 Jun 2022

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

FINANCIAL TREND
Positive

THE COMPANY HAS DECLARED

results for

POSITIVE RESULTS FOR THE LAST 4 4

CONSECUTIVE QUARTERS consecutive
quarters

Near term PAT trend is very

67.8% positive 111.44
90.81
PAT (Rs Cr)
Half Yearly PAT At Rs 111.44 cr has Grown at 67.83 % 66.4
Growth Year on Year (YoY)

Jun 2021 Dec 2021 Jun 2022

Near term sales trend is very 169.34

positive 156.08
Rs 169.3 146.14 151.69
141.77

cr Net Sales (Rs Cr)

Highest at Rs 169.34 cr and Grown
Net Sales - each quarter in the last five quarters
Quarterly

Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022

Near term Operating Profit trend 129.01

Rs 129.0 is quite positive 102.69

114.63 115.69 118.87

cr Operating Profit (Rs Cr)

Highest at Rs 129.01 cr. and Grown
Operating Profit each quarter in the last five quarters
- Quarterly

Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

FINANCIAL TREND

Near term PBT trend is very 63.2

66.3

Rs 66.3 cr positive
59.13
56.31
47.62
PBT less Other Income (Rs Cr)
PBT - Quarterly Highest at Rs 66.30 cr. and Grown
each quarter in the last five quarters

Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022

Jun'22 Mar'22 Change%

Net Sales 168.2 155.6 8.1%
Key Operating Profit (PBDIT) excl Other Income 129.0 118.9 8.5%
Result Interest 60.7 53.8 12.8%
Highlights Exceptional Items 0.0 0.0
Standaloned Net Profit 51.3 60.2 -14.9%
Operating Profit Margin (Excl OI) 76.7 76.4 0.3%
Standalone- figures in Rs
Cr

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a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

TECHNICALS

STOCK IS TECHNICALLY IN A MILDLY

BULLISH RANGE
Mildly Bullish Daily Moving Averages indicating near term price strength
Current Price 50 Day Moving Average 200 Day Moving Average

838.50 770.21 758.65

Factors with upward momentum

Indicator Technical Trend
MACD Bullish (weekly)
Bollinger Band Bullish (weekly)
KST Bullish (weekly)

Market Beating Performance in the last one year

3 Months 1 Year

39.72%
19.38%

8.72%
0.42%

Stock BSE 500 Stock BSE 500

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perform, modify, create derivative works, transmit, or in any way exploit any such content. Unauthorized usage is an infringement of our intellectual property rights and
a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

SHAREHOLDING

INSTITUTIONAL INVESTORS COLLECTIVELY

HOLD 50.67 % OF THE COMPANY
These investors have better capability and resources 60%
53.50% 54.73% 53.30% 52.49% 51.38%
to analyse fundamentals of companies than most 50.67%

retail investors.
40%

20%

0%
Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 Jun 22

Non Institution
15.74% Other DIIs
Shareholding Snapshot : Jun 22
36.5% Majority shareholders : Promoters
Other
0.01%
Pledged Promoter Holdings : None
FIIs
9.49% Mutual Funds : Held in 10.00 Schemes (4.68%)
Mutual Funds FIIs : Held by 45 FIIs (9.49%)
4.68%
Promoters Promoter with highest holding : True North Fund V Llp (20.19%)
33.58%
Highest Public shareholder : Orange Clove Investments B.v. (28.73%)
Individual Investors Holdings : 9.14%

FII
15%
12.68%
12.07%
holding has decreased by - 11.61%
10.90%

1.41% 10% 9.49%

Number of FIIs holding stake in the company has

decreased to 45 from 47
5%

0%
Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022

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perform, modify, create derivative works, transmit, or in any way exploit any such content. Unauthorized usage is an infringement of our intellectual property rights and
a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

RETURNS

MARKET BEATING PERFORMANCE

The stock has generated 100%
a return of 39.72% in the
last 1 year, much higher 50%

39.72% than market (BSE 500)

returns of 8.72% 0%

UP -50%

Se -2 1

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Home First Finance Company India Ltd BSE500

Company 1 Month 3 Month 1 Year 3 Years

Home First Finan 13.45% 19.38% 39.72% -
Return HDFC 7.84% 6.91% -2.35% 14.23%
Comparison
LIC Housing Fin. 13.58% 1.45% -6.4% -24.43%
with Peers
Closest peers by Aavas Financiers 23.45% 4.69% -5% 63.36%
market cap Aptus Value Hou. -0.34% -11.03% - -

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a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

FACTORS
NOT WORKING
FOR THE COMPANY


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a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

VALUATION

WITH ROE OF 12.9, IT HAS A VERY

EXPENSIVE VALUATION WITH A 4.7 PRICE
TO BOOK VALUE
Expensive

Very Expensive Home First Finan

Aptus
Aavas
Can Fin
Value
Financiers
Homes
Hou.

valuation Valuation

as compared to its Fundamentals HUDCO

Attractive
Weak Fundamental Strong

Price to Book Value vs ROE

Does not 16 4.8

qualify
Fundamental

Valuation
8 4

as compared to its
past valuations
0 3.2
Jun-2021 Dec-2021 Jul-2022

Company Valuation Price to Book PE Ratio PEG Ratio Dividend

Ratio Yield
Key
Home First Finan Very Expensive 4.7 36.3 0.4 0%
Valuation
Multiples Aavas Financiers Very Expensive 6.8 49.2 1.7 0%
vs Peers Aptus Value Hou. Very Expensive 5.1 46 0 0%
Can Fin Homes Very Expensive 2.6 15.4 1.4 0.6%
HUDCO Very Attractive 0.5 4.3 0.5 5.7%

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

RESULT
ANALYSIS 

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

QUARTERLY VARIANCE

QUARTER RESULTS VARIANCE ANALYSIS

Jun'22 Mar'22 QoQ Jun'21 YoY Comments
Total Operating income 169 156 8.5% 142 19.5% High Growth in previous quarter
and same quarter last year
Total Expenditure (Excl Depreciation) 40 37 8.4% 39 3.2% QoQ and YoY increase
Operating Profit (PBDIT) excl Other Income 129 119 8.5% 103 25.6% High Growth in previous quarter
and same quarter last year
Other Income 0 0 -100% 0 -100% Fall in previous quarter and same
quarter last year
Operating Profit (PBDIT) 129 119 8.5% 103 25.6% High Growth in previous quarter
and same quarter last year
Interest 61 54 12.8% 53 14.1% High Growth in previous quarter
and same quarter last year
Exceptional Items 0 0 0% 0 0%
Depreciation 2 2 9.2% 2 7.5% High Growth in previous quarter
and same quarter last year
Profit Before Tax 66 63 4.9% 48 39.2% QoQ and YoY increase
Tax 15 3 398.3% 13 20.2% High Growth in previous quarter
and same quarter last year
Provisions and contingencies 0 0 0% 0 0%
Net Profit 51 60 -14.9% 35 46%

Standalone results triggered in Rs Cr

Margins
Jun'22 Mar'22 Dec'21 Sep'21 Jun'21 Avg. (4 Comments
Qtrs)
OPM 76.7% 76.4% 76.4% 79.8% 73.5% 76.5% In line with average (4 Qtrs)
GPM 40.6% 41.8% 40.3% 40.5% 35.5% 39.5% Higher than average (4 Qtrs) – Promising
NPM 30.5% 38.7% 30.3% 31.2% 25.1% 31.4% In line with average (4 Qtrs)

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

ANNUAL RESULT

NET SALES - YOY GROWTH IN YEAR ENDED

MAR 2022 IS 21.90% VS 23.23% IN MAR
2021
Standaloned Net Profit: YoY Growth in year ended Mar 2022 is 85.84% vs 25.88% in Mar
2021
Operating Profit (PBDIT) excl Other Income: YoY Growth in year ended Mar 2022 is
65.08% vs 51.37% in Mar 2021
Interest: YoY Growth in year ended Mar 2022 is -0.80% vs 12.16% in Mar 2021 21.90%
Operating Profit Margin (Excl OI): YoY Growth in year ended Mar 2022 has improved from NET SALES
Mar 2021

Mar'22 Mar'21 Change(%)

Net Sales 594.52 487.73 21.90%
Key Operating Profit (PBDIT) excl Other Income 233.78 141.62 65.08%
Annual Interest 215.67 217.40 -0.80%
Results Exceptional Items 0.00 0.00
Standaloned Net Profit 186.10 100.14 85.84%
Operating Profit Margin (Excl OI) 39.32 29.04 10.28%
Figures in Rs Cr | Seasonal companies are compared with the same quarter last year

Net Sales-YoY Growth in year ended Mar 2022 is 21.90% vs Standaloned Net Profit-YoY Growth in year ended Mar 2022
23.23% in Mar 2021 is 85.84% vs 25.88% in Mar 2021
1000 200 186.10

594.52
487.73 100.14
500 395.80 100 79.55
256.74 45.20

0 0
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2019 Mar 2020 Mar 2021 Mar 2022

Operating Profit (PBDIT) excl Other Income-YoY Growth in Operating Profit Margin (Excl OI)-YoY Growth in year ended
year ended Mar 2022 is 65.08% vs 51.37% in Mar 2021 Mar 2022 has improved from Mar 2021
400 50
39.32
233.78 29.04
22.88 23.64
200 141.62 25
93.56
58.73

0 0
Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2019 Mar 2020 Mar 2021 Mar 2022

Figures in Rs Crore

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perform, modify, create derivative works, transmit, or in any way exploit any such content. Unauthorized usage is an infringement of our intellectual property rights and
a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

BALANCESHEET AND CASHFLOW

BALANCE SHEET AND CASH FLOW

ANALYSIS

13.49% Borrowings
Mar'22
6,931.05
Mar'21
6,107.38
Change%
13.49%

Increase
Other Long Term Liabilities 7.02 6.40 9.69%
Fixed Assets 9.33 16.67 -44.03%
Investments 0.00 0.00
in Borrowings in quarter Current Assets 791.77 791.97 -0.03%
ended Mar 2022 vs in
Figures in Rs Cr
Mar 2021

Other Long Term Liabilities: YoY Growth in year ended Mar 2022 is 9.69% vs NA in Mar 2021
Fixed Assets: YoY Growth in year ended Mar 2022 is -44.03% vs NA in Mar 2021
Investments: YoY Growth in year ended Mar 2022 is vs NA in Mar 2021
Current Assets: YoY Growth in year ended Mar 2022 is -0.03% vs NA in Mar 2021

Cash From Operation - YoY Growth in year ended Mar

-262.01% 2022 is -262.01% vs 72.92% in Mar 2021
Mar'22 Mar'21 Change%
GROWTH Cash Flow from Operating Activities -807.03 -222.93 -262.01%
Figures in Rs Cr

-250
-222.93

-500 -438.25

-750
-790.57 -807.03
-823.19
-1000
Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022

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a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

PEER COMPARISION

PEER COMPARISON
Home First Can Fin Homes HUDCO PNB Housing Indiabulls Hous.
Finan
Size
Market Cap (Cr.) 7,342 8,096 7,387 5,925 5,499
Annual Sales (TTM) (Cr.) 623 2,148 6,954 5,915 9,017
Annual Net Profit (TTM) (Cr.) 202 524 1,716 828 1,178
Growth Factors (TTM)
Net Sales Growth 1 year 0.2% 10.4% -3.9% -20.4% -9.8%
Operating Profit Growth 1 year 69% 9.3% -1.6% -17.6% -8.3%
Net Profit Growth 1 year 86% 11.2% 8.7% -9.6% -1.9%
Net Sales Growth 5 year 31.8% 8.8% 7.4% -0.3% -2.8%
Operating Profit Growth 5 year 51.4% 8.3% 11.7% -1.4% -5.2%
Net Profit Growth 5 year 60.3% 15.5% 13.3% -2.8% -16.5%
Capital Structure Factors
EBIT to Interest 2.1 1.6 1.5 1.3 1.2
Debt to EBITDA 14.8 13.7 9 10.2 7.8
Net Debt to Equity 1.8 7.9 4.2 4.8 3.1
Sales to Capital Employed 0.1 0.1 0.1 0.1 0.1
Management Quality Factors
ROCE (latest) 10.2% 6.5% 9.1% 8.9% 11.4%
ROE(latest) 12.9% 17.1% 11.9% 8.5% 7.1%
Tax Ratio 17.4% 25.9% 26.8% 23.3% 24.3%
Operating CF to Net Profit -433.6% -186.6% 136.9% 747.9% 590%
Dividend Payout Ratio - 5.8% 27.7% - 33.4%
Valuation Factors
PE Ratio 36.3 15.4 4.3 7.2 4.7
Price to Book 4.7 2.6 0.5 0.6 0.3
PEG Ratio 0.4 1.4 0.5 - -
Dividend Yield - 0.6% 5.7% - -
EV to EBITDA 21.2 16.6 10 10.7 7.3
EV to Capital Employed 2.3 1.2 0.9 0.9 0.8
Shareholding
Promoter Holdings 33.6% 30% 81.8% 32.6% 9.6%
Promoter Pledged Holdings - - - - -
Total Institutional Holding 50.7% 24.8% 8% 26.3% 34.8%
FII Holdings 9.5% 0% 0.2% 24% 25%
Returns
1 Month 13.7% 38.6% 6.2% 7.1% 22.4%
3 Months 18.6% 2.7% 5% -7.1% -23.6%
YTD 7.6% 10% -5% -29.1% -46.2%
1 Year 39.4% 12.8% -18.2% -47.7% -57.4%
3 Years - 62.5% 11.1% -50.9% -77.5%

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a violation of law and it may also result in cancellation of your subscription package without any refund and may lead to legal action.

Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

COMPANY BACKGROUND

COMPANY BACKGROUND

About the Company

Home First Finance Company India Limited was incorporated as a private limited
INDUSTRY : Finance - company with the name Home First Finance Company India Private Limited' at
Housing Bengaluru, Karnataka on February 3, 2010. Subsequently, the Company was
converted into a public limited company and consequently the name of the
Company was changed to Home First Finance Company India Limited' on March
7,319 cr (Mid Cap) 14, 2018.

Board of Directors

Company Coordinates

Company Details: Registrat Details:

N N

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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

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MOJO PROFESSIONAL 17
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Home First Finan HOLD | Report as on 1 August 2022 at 09:40 PM

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