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Home First Finance Company India Limited (HOMEFIRST) investor relations material
Home First Finance Company India Limited Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary4 Nov, 2025
Executive summary
Assets under management (AUM) grew 26.3% year-over-year and 5.2% quarter-on-quarter to ₹141,781 Mn, with strong distribution expansion and digital adoption; 96% of customers are app-registered and 83% of approvals are digital.
Profit after tax rose to ₹1,318 Mn, up 43% year-over-year and 10.9% quarter-on-quarter, with ROA at 3.8%.
Expanded to 163 branches across 143 districts in 13 states, adding 5 new branches and 14 employees in the quarter.
Morningstar Sustainalytics reaffirmed a low ESG risk category with an improved score of 13.6.
Board approved reviewed financial results for the quarter and half year ended September 30, 2025, and noted key management changes.
Financial highlights
Total income for Q2 FY26 was ₹4,790.5 Mn, up 28% year-over-year and 5.2% quarter-on-quarter; net interest income grew 33.8% to ₹1,865.7 Mn.
Disbursements for Q2 FY26 were ₹12,894 Mn, up 9.6% year-over-year.
Net interest margin improved to 5.4% from 5.2% in the previous quarter.
Cost-to-income ratio improved to 32.0%; OpEx to assets at 2.6%.
Collection efficiency remained robust at 98.2–98.4% during the quarter.
Outlook and guidance
Management expects to maintain credit costs at 30–40 basis points for the full year, with efforts to pull back delinquencies in the next two quarters.
AUM growth guidance remains at 25%+ for the year, with disbursement targets being recalibrated based on evolving market conditions.
Cost of borrowing is expected to fall below 8% by March, supporting stable spreads and expanding NIMs.
Management remains optimistic for H2 FY26, citing improving macro environment and easing interest rates.
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Next Home First Finance Company India Limited earnings date
Q3 202628 Jan, 2026
Next Home First Finance Company India Limited earnings date
Q3 202628 Jan, 2026
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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.
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