Home First Finance Co India (NSE:HOMEFIRST) LT-Debt-to-Total-Asset: 0.70 (As of Mar. 2026)

What is Home First Finance Co India LT-Debt-to-Total-Asset?

Home First Finance Co India NSE:HOMEFIRST +1.70% 83 LT-Debt-to-Total-Asset is 0.70 as of Mar. 2026. GuruFocus rates NSE:HOMEFIRST with a GF Score™ of 83/100 and a GF Value™ of ₹1,336.99 (Fairly Valued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Home First Finance Co India's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.70.

Home First Finance Co India's long-term debt to total assets ratio declined from Mar. 2025 (0.78) to Mar. 2026 (0.70). It may suggest that Home First Finance Co India is progressively becoming less dependent on debt to grow their business.

Home First Finance Co India (NSE:HOMEFIRST) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Home First Finance Co India LT-Debt-to-Total-Asset Related Terms

Home First Finance Co India LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Home First Finance Co India's LT-Debt-to-Total-Asset can be seen below:

* 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.

Home First Finance Co India LT-Debt-to-Total-Asset Chart

Home First Finance Co India Annual Data

Trend

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.50

0.56

0.77

0.78

0.70

Home First Finance Co India Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.78	0.00	0.70	0.00	0.70

83GF Score

Home First Finance Co India Ltd NSE:HOMEFIRST

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Home First Finance Co India LT-Debt-to-Total-Asset Calculation

Home First Finance Co India's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	105900.48	/	151665.38
	=	0.70

Home First Finance Co India's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	105900.48	/	151665.38
	=	0.70

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.70 mean?

Home First Finance Co India (NSE:HOMEFIRST) has a LT-Debt-to-Total-Asset of 0.70 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Home First Finance Co India and its competitors.

Is Home First Finance Co India's LT-Debt-to-Total-Asset too high?

Home First Finance Co India's current LT-Debt-to-Total-Asset is 0.70. Overall, Home First Finance Co India has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Home First Finance Co India's LT-Debt-to-Total-Asset compare to RKT and FNMA?

Home First Finance Co India's LT-Debt-to-Total-Asset of 0.70 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Home First Finance Co India and its competitors. Home First Finance Co India's current LT-Debt-to-Total-Asset is 0.70. 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 Fairly Valued. The stock's GF Value™ is ₹1,336.99, compared to a current price of ₹1,222.70 — trading 8.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.70. Home First Finance Co India's overall GF Score™ is 83/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current LT-Debt-to-Total-Asset is 0.70 as of Mar. 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 ₹1,222.70 is trading 8.5% below its estimated GF Value™ of ₹1,336.99. GuruFocus considers Home First Finance Co India to be Fairly Valued.

Key valuation signals for NSE:HOMEFIRST:

LT-Debt-to-Total-Asset: 0.70
GF Value™: ₹1,336.99 vs. price of ₹1,222.70 (8.5% below fair value)
GF Score™: 83/100 with 6 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies BOM:541988 BOM:511196 BOM:543335 BOM:544044 BOM:535789 BOM:535322 BOM:523862 NSE:AADHARHFC BOM:511676 BOM:534680 RKT FNMA NSE:BAJAJHFL PFSI FMCC NSE:LICHSGFIN NSE:PNBHOUSING LSE:OSB LSE:PAG WD

Other Exchanges 543259:India

Address 511, Acme Plaza, Andheri Kurla Road, Opposite Sangam Cinema, Near Metro Station, J B Nagar, Andheri (East, Mumbai, MH, IND, 400 059

Website https://www.homefirstindia.com

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

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,222.70

Price

₹1,336.99

GF Value

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