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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Home First India
Home First India (HOMEFIRST) investor relations material
Home First India Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary28 Oct, 2026
Executive summary
AUM reached ₹180,098 Mn, up 27.0% YoY and 6.3% QoQ; record Q2 disbursements were ₹17,048 Mn, up 32.2% YoY and 4.7% QoQ.
PAT rose 29.1% YoY and 6.5% QoQ to ₹1,701.92 Mn; Gross Stage 3 improved 10 bps QoQ to 1.7%.
Priorities for the balance of FY27: sustain growth, preserve portfolio quality, protect profitability and improve operating efficiency.
Financial highlights
Q2 total income was ₹5,670.42 Mn; Net Total Income was ₹3,432 Mn, up 23.9% YoY, and Net Interest Income grew 31.9% YoY to ₹2,461 Mn.
PPOP rose 26.1% YoY to ₹2,376 Mn; PBT increased 28.3% YoY to ₹2,222.11 Mn and PAT rose 29.1% to ₹1,701.92 Mn.
H1 net profit was ₹3,300.43 Mn versus ₹2,507.38 Mn; H1 total income was ₹11,068.83 Mn versus ₹9,343.12 Mn.
Basic and diluted EPS were ₹16.28 and ₹16.13 for Q2; H1 EPS was ₹31.59 and ₹31.28, respectively.
Loans outstanding were ₹149,190.86 Mn at Sep. 30, 2026, versus ₹131,326.13 Mn at Mar. 31, 2026.
Outlook and guidance
FY27 targets remain 25% AUM growth and ₹20,000 crore AUM by March 2027; exit ROE target is 15%, with management indicating potential upside.
FY28 exit ROE target is 16%; management reiterated confidence in 25% growth and expects portfolio momentum to continue.
Targets include gross NPA near 1.7%, credit cost of 40 bps and a 10 bps YoY reduction in operating cost to assets.
Six branches were added in Q2; 10 branches had been added year to date, with 10–15 more planned over the next two quarters.
Co-lending transactions are expected to increase in Q3 as implementation of new RBI guidelines with partners nears completion.
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Latest events from Home First India
- Record disbursements and higher adjusted profit drove FY22 growth.HOMEFIRST
Q4 21/22 - FY19 growth accelerated as disbursements surged 111% and AUM rose 80%.HOMEFIRSTQ4 18/19
- FY18 delivered 55% revenue growth, higher PAT and 74% loan-asset growth.HOMEFIRSTQ4 17/18
- FY20 growth advanced as COVID-19 shifted focus to collections, liquidity and asset quality.HOMEFIRSTQ4 19/20
- Record disbursements and 31% adjusted PAT growth, with asset quality improving.HOMEFIRSTQ4 22/23
- Record FY21 profit and AUM growth, with record Q4 lending despite pandemic disruption.HOMEFIRSTQ4 20/21
- AUM up 25.7% YoY, PAT up 34.5%, and asset quality stable with GNPA at 1.8%.HOMEFIRSTQ1 26/27
- Q3 FY26 PAT up 44% YoY to ₹1,402 million, AUM up 24.9%, and 25% growth guidance reaffirmed.HOMEFIRSTQ3 25/26
- AUM up 31.1% YoY, PAT up 25%, and INR 1,250 crore QIP boosts capital and growth.HOMEFIRSTQ4 24/25
Next Home First India earnings date
Q3 26/2722 Jan, 2027
Home First India
Next Home First India earnings date
Q3 26/2722 Jan, 2027
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Frequently asked questions
Home First Finance Company India Limited, operating under the brand HomeFirst, is an Indian housing finance company specializing in the affordable housing segment. Established in 2010 and based in Mumbai, the company focuses on providing a range of financial solutions tailored to homeownership. Its product offerings include home loans, loans against property, and home construction loans, catering to various customer segments, including salaried professionals, self-employed individuals, NRIs, senior citizens, and small business owners. The company is headquartered in Mumbai, Maharashtra, and its shares are listed on the Bombay Stock Exchange and National Stock Exchange.