Home First India (HOMEFIRST) Q3 25/26 earnings summary
Event summary combining transcript, slides, and related documents.
Q3 25/26 earnings summary
9 Jul, 2026Executive summary
Achieved strong business momentum in Q3 FY26 with robust profitability and stable asset quality, supported by record disbursements, network expansion, and high digital adoption.
AUM grew 24.9% year-over-year to ₹149,249 million, with disbursements reaching ₹13,184 million, up 10.5% YoY.
Profit after tax rose 44% YoY to ₹1,402 million, with net total income up 34.8% YoY to ₹2,903 million.
Management reaffirmed leadership continuity and addressed rumors about potential changes; Chief Compliance Officer reappointed.
Statutory auditors issued a limited review report with an unmodified conclusion.
Financial highlights
Total income for Q3 FY26 was ₹4,836.75 million, up from ₹4,059.47 million in Q3 FY25; net interest income for Q3FY26 was ₹2,122 million, up 49% YoY.
Net interest margin improved to 6% from 5.4% in the previous quarter.
Profit after tax for Q3 FY26 was ₹1,402 million, up 44% YoY; ROA at 4%, ROE at 13.7%.
Excluding one-time gratuity provision, earnings growth was 46.6% YoY and 8.3% QoQ.
Collection efficiency remained high at 97–98% throughout the quarter.
Outlook and guidance
Targeting 25% AUM growth for FY26 and FY27, with confidence in improved disbursal and asset quality.
Guidance for 20%-23% AUM growth annually to reach ₹350,000 million by 2030.
Company continues to focus on affordable housing finance and monitors regulatory changes, including new labour codes.
Latest events from Home First India
- AUM up 31.1% YoY, PAT up 25%, and INR 1,250 crore QIP boosts capital and growth.HOMEFIRST
Q4 24/259 Jul 2026 - AUM up 34.2% YoY, PAT up 24.1%, with strong asset quality and NCDs approved.HOMEFIRST
Q2 24/258 Jul 2026 - AUM and profits surged in FY26, driven by digital innovation and disciplined growth.HOMEFIRST
AGM 2026 presentation25 Jun 2026 - AUM up 34.8% YoY to INR 10,478 crore; PAT up 27%; strong asset quality and growth.HOMEFIRST
Q1 24/2519 Jun 2026 - FY26 delivered 24.9% AUM and 41.4% PAT growth, with robust asset quality and expansion plans.HOMEFIRST
Q4 25/2613 May 2026 - AUM up 32.6% YoY, PAT up 24%, and ₹1,250 crore equity raise approved for growth.HOMEFIRST
Q3 24/259 Jan 2026 - AUM up 26.3%, PAT up 43%, strong asset quality, digital adoption, and capital raise.HOMEFIRST
Q2 25/2614 Dec 2025 - AUM up 28.6% YoY, PAT at INR 119 crore, with robust capital, digital, and ESG progress.HOMEFIRST
Q1 25/2616 Nov 2025