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Home First Finance Company India Ltd

| Quarterly Financial Results Q3 FY 2025-26

BULLISH SENTIMENT

Report Source

⬤22nd Jan 26

Summary : Home First Finance reports strong Q3/9M 2025 financial growth, with increased profit after tax and revenue, alongside key board re-appointments and capital raising.

Quarterly Report Analysis & Insights

Financial Disclosures

  1. Total expenses: Rs. 9,054.23 million (9M Dec 2025).
  2. Finance costs: Rs. 5,970.01 million (9M Dec 2025).
  3. Employee benefits expense: Rs. 1,837.81 million (9M Dec 2025).
  4. Total revenue from operations: Rs. 14,131.79 million (9M Dec 2025).
  5. Interest income: Rs. 12,322.87 million (9M Dec 2025).
  6. Fees and commission income: Rs. 606.94 million (9M Dec 2025).
  7. Paid up equity share capital: Rs. 207.85 million (31 Dec 2025).
  8. Other equity: Rs. 25,032.71 million (31 March 2025 Audited).
  9. Standalone financial statements as no subsidiaries/associates/joint ventures.

Corporate Overview

  1. India (affordable housing segment).
  2. Financing loans for affordable housing in India.
  3. Factual and compliant reporting of financial results and corporate actions.
  4. Affordable housing segment customers.
  5. No separate reportable segments as per Ind AS 108.

Risk Factors

  1. New Labour Codes impact employee benefits.
  2. Evolving SEBI listing regulations compliance.
  3. RBI directions for financial companies.
  4. Competition in affordable housing finance.

Key Drivers

  1. Strong growth in interest income.
  2. Significant increase in profit after tax.
  3. Successful Qualified Institutions Placement.
  4. Unmodified auditor's review report.

Auditor’s Report

  1. Unmodified conclusion on financial results.

Board Commentary

  1. Re-appointment of Ms. Kavita Semwal as Chief Compliance Officer for three years.
  2. Increase in provision for employee benefits due to New Labour Codes.
  3. Impact of New Labour Codes on employee benefits provision.
  4. Allotment of 1,28,86,597 equity shares via QIP for Rs. 12,500 million.

Corporate Governance

  1. Re-appointment of Chief Compliance Officer for three years.
  2. Nomination & Remuneration Committee recommended re-appointment.
  3. Audit Committee reviewed financial results.

Management Discussion & Analysis

Operational Focus Areas

  1. Monitoring finalisation of New Labour Codes.

Performance Drivers

  1. Strong growth in interest income and profit after tax.
  2. Successful Qualified Institutions Placement (QIP).

Risk Control Measures

  1. Company monitors finalisation of Central and State Rules for New Labour Codes.

Critical Risks

  1. Impact of New Labour Codes on employee benefits provision.