HomeFirst Finance Company’s Performance Analyzed

HomeFirst Finance Company, which helps people get their first homes, had a good quarter. The company’s stock price went up 5.13% because their profits were much higher than last year. They made 43.97% more money, reaching 140.20 crore rupees.

Key Points

• Strong profit growth: 43.97% increase in net profit to 140.20 crore.
• Disbursements up: 10.5% increase in loans given to 1,318 crore.
• Growing AUM: AUM rose 24.9% to 14,925 crore with housing loans dominant.
• Asset quality solid: GNPA at 2.0% demonstrates healthy loan performance.
• Capital strength: CRAR at 49.0% indicates strong financial stability.
• Provisioning efficient: ECL provision of 103 crore shows effective risk management.

About HomeFirst

HomeFirst specializes in helping people buy their first homes. They focus on people who don’t have a lot of money, and they do this through technology. The company has many branches across India – 165 to be exact – and they’re in 13 different states and territories.

Financial Highlights – Q3 FY26

Here’s a closer look at some of the numbers. The company’s income – the money they brought in – increased by 18.8% to 482.24 crore rupees. However, their profit before taxes (the money they make before considering things like taxes) went down by 44.57% to 182.83 crore rupees. This is because of some costs they had to pay.

Despite this, the company was still able to lend out more money. They gave out 10.5% more loans, reaching 1,318 crore rupees. Importantly, most of these loans were for housing, making up 83% of their total loans.

HomeFirst is doing a good job managing its assets, meaning they’re getting a good return on the money they’ve invested. Their return on assets (how well they’re using their money) improved by 60 basis points to 4%. They also keep a close eye on potential bad loans and have set aside 103 crore rupees as a buffer, which is 0.8% of their total loans.

To make sure they can handle any financial trouble, HomeFirst maintains a strong capital base. Their capital adequacy ratio (CRAR), which measures their financial strength, is 49.0%. They also have Tier I capital of 48.6% as of December 31, 2025.

Finally, they are managing the risk of loans going bad, by setting aside an ECL provision of Rs 103 crore.

HomeFirst is building a future where more people can own their own homes.