Home First Finance Company Intrinsic Value
HOMEFIRST • Financial Services
Current Stock Price
₹1061.40
Primary Intrinsic Value
₹595.20
Market Cap
₹1911 Cr
+5.6%
Upside
Median Value
₹1120.44
Value Range
₹427 - ₹2123
Assessment
Trading Near Calculated Value
Safety Margin
5.3%
HOMEFIRST Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹595.20 | ₹476.16 - ₹714.24 | -43.9% | EPS: ₹49.60, Sector P/E: 12x |
| Book Value Method | asset | ₹1120.44 | ₹1008.40 - ₹1232.48 | +5.6% | Book Value/Share: ₹1400.56, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1018.89 | ₹917.00 - ₹1120.78 | -4.0% | Revenue/Share: ₹1018.89, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2122.80 | ₹1910.52 - ₹2335.08 | +100.0% | EBITDA: ₹1456.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹793.60 | ₹714.24 - ₹872.96 | -25.2% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹426.56 | ₹383.90 - ₹469.22 | -59.8% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹2122.80 | ₹1910.52 - ₹2335.08 | +100.0% | ROE: 19.7%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1250.21 | ₹1125.19 - ₹1375.23 | +17.8% | EPS: ₹49.60, BVPS: ₹1400.56 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
HOMEFIRST Intrinsic Value Analysis
What is the intrinsic value of HOMEFIRST?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Home First Finance Company (HOMEFIRST) is ₹1120.44 (median value). With the current market price of ₹1061.40, this represents a +5.6% variance from our estimated fair value.
The valuation range spans from ₹426.56 to ₹2122.80, indicating ₹426.56 - ₹2122.80.
Is HOMEFIRST undervalued or overvalued?
Based on our multi-method analysis, Home First Finance Company (HOMEFIRST) appears to be trading near calculated value by approximately 5.6%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.7% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 79.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Home First Finance Company
Additional stock information and data for HOMEFIRST
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-2,198 Cr | ₹-2,198 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-1,908 Cr | ₹-2,017 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,469 Cr | ₹-1,603 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-807 Cr | ₹-807 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-223 Cr | ₹-531 Cr | Negative Cash Flow | 3/10 |