Home First Finance Company Intrinsic Value
Home First Finance Company (HOMEFIRST) median intrinsic value is ₹915.71 from 9 valuation models (range ₹352–₹2348), vs current price ₹1174.00 — -22.0% downside (Trading Above Calculated Value), margin of safety -28.2%. For current market price and key ratios, visit HOMEFIRST screener.
HOMEFIRST Valuation Methods Summary — DCF, Graham Number & P/E
Home First Finance Company intrinsic value across 9 models vs current price ₹1174.00 — upside/downside and value range per method. Read Home First Finance Company dividend policy for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹628.20 | ₹502.56 - ₹753.84 | -46.5% | EPS: ₹52.35, Sector P/E: 12x |
| Book Value Method | asset | ₹1659.81 | ₹1493.83 - ₹1825.79 | +41.4% | Book Value/Share: ₹2074.76, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹915.71 | ₹824.14 - ₹1007.28 | -22.0% | Revenue/Share: ₹915.71, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2348.00 | ₹2113.20 - ₹2582.80 | +100.0% | EBITDA: ₹1519.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹837.60 | ₹753.84 - ₹921.36 | -28.7% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹450.21 | ₹405.19 - ₹495.23 | -61.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹2348.00 | ₹2113.20 - ₹2582.80 | +100.0% | ROE: 12.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹1563.27 | ₹1406.94 - ₹1719.60 | +33.2% | EPS: ₹52.35, BVPS: ₹2074.76 |
| Dividend Yield Method | dividend | ₹352.20 | ₹316.98 - ₹387.42 | -70.0% | DPS: ₹5.20, Target Yield: 4.0% |
HOMEFIRST Intrinsic Value vs Market Price — All Valuation Models
Home First Finance Company fair value range ₹352–₹2348 vs current market price ₹1174.00 across 9 valuation models. Analyse HOMEFIRST shareholding pattern to track promoter, FII and institutional holdings.
HOMEFIRST Intrinsic Value Analysis — Undervalued or Overvalued?
Home First Finance Company median intrinsic value ₹915.71, current price ₹1174.00 — Trading Above Calculated Value by 22.0%, margin of safety -28.2%.
What is the intrinsic value of HOMEFIRST?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Home First Finance Company (HOMEFIRST) is ₹915.71 (median value). With the current market price of ₹1174.00, this represents a -22.0% variance from our estimated fair value.
The valuation range spans from ₹352.20 to ₹2348.00, indicating ₹352.20 - ₹2348.00.
Is HOMEFIRST undervalued or overvalued?
Based on our multi-method analysis, Home First Finance Company (HOMEFIRST) appears to be trading above calculated value by approximately 22.0%.
HOMEFIRST Financial Health — Key Ratios vs Industry Benchmarks
Home First Finance Company financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.4% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 79.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
HOMEFIRST Cash Flow Quality — Operating & Free Cash Flow
Home First Finance Company operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,940 Cr | ₹-2,144 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-2,196 Cr | ₹-2,196 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 |