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Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Home First Finance Co India's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1,711 Mil. Home First Finance Co India's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Home First Finance Co India has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Home First Finance Co India's Interest Coverage or its related term are showing as below:
NSE:HOMEFIRST's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 29.955 * Ranked among companies with meaningful Interest Coverage only.
Home First Finance Co India (NSE:HOMEFIRST) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Home First Finance Co India Interest Coverage Related Terms
Home First Finance Co India Interest Coverage Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Home First Finance Co India Interest Coverage Chart
NSE:HOMEFIRST vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Home First Finance Co India Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's Interest Coverage falls into.
Home First Finance Co India Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Home First Finance Co India (NSE:HOMEFIRST) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Home First Finance Co India and its competitors. This is 92% below median its historical median of 12.48. Over the past decade, Home First Finance Co India's Interest Coverage has ranged from 6.23 to 58.70. According to the industry distribution chart, Home First Finance Co India ranks #999999 out of 20 companies in the Banks industry.
Is Home First Finance Co India's Interest Coverage too high?
Home First Finance Co India's current Interest Coverage of No Debt (1) is 92% below median its 10-year median of 12.48. Over the past 10 years, this metric has ranged from a low of 6.23 to a high of 58.70. Based on the distribution chart, Home First Finance Co India ranks #999999 out of 20 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Home First Finance Co India has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Home First Finance Co India's Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #999999 out of 20 companies for Interest Coverage. This places Home First Finance Co India in the lower half of its industry. The industry median Interest Coverage is 29.96. Historically, Home First Finance Co India's own Interest Coverage has ranged from 6.23 to 58.70 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 29.96, based on 20 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median Interest Coverage is 29.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home First Finance Co India's current Interest Coverage is No Debt (1), which is 92% below median its own 10-year median of 12.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Home First Finance Co India stock overvalued right now?
Based on GuruFocus' analysis, Home First Finance Co India (NSE:HOMEFIRST) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹1,416.36, compared to a current price of ₹1,181.00 — trading 16.6% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 92% below median its 10-year median of 12.48. Home First Finance Co India's overall GF Score™ is 83/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current Interest Coverage is No Debt (1) as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Home First Finance Co India (NSE:HOMEFIRST) Overvalued in 2026?
Based on GuruFocus' analysis, Home First Finance Co India stock appears to be undervalued.
The current stock price of ₹1,181.00 is trading 16.6% below its estimated GF Value™ of ₹1,416.36.
GuruFocus considers Home First Finance Co India to be Modestly Undervalued.
Key valuation signals for NSE:HOMEFIRST:
Interest Coverage: No Debt (1) (92% below median its 10-year median of 12.48)
GF Value™: ₹1,416.36 vs. price of ₹1,181.00 (16.6% below fair value)
No single metric tells the full story. See the NSE:HOMEFIRST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Home First Finance Co India Ltd is a technology-driven housing finance company focused on enabling home ownership for first-time home buyers across India. The Company provides financial services to the affordable housing segment through housing loans, loans for the purchase of commercial properties, and loans against property. It offers home loans for the purchase or construction of residential properties, as well as for the extension and repair of existing housing units. Its product portfolio includes Housing Loans, Shop Loans, Loans against Property, and other mortgage loans. The Company mainly serves first-time home buyers in the low- and middle-income segment, with a focus on emerging urban, semi-urban, and affordable housing markets across India.
83GF Score
Get the complete analysis for NSE:HOMEFIRST
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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