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Home First Finance Co India Ltd stock PB Ratio (=2.97) is close to 1-year high of 3.24.
The historical rank and industry rank for Home First Finance Co India's PB Ratio or its related term are showing as below:
NSE:HOMEFIRST'
s PB Ratio Range Over the Past 10 Years
Min: 2.3 Med: 3.82 Max: 5.25
Current: 2.97
During the past 9 years, Home First Finance Co India's highest PB Ratio was 5.25. The lowest was 2.30. And the median was 3.82.
NSE:HOMEFIRST's PB Ratio is ranked worse than 95.59% of 1518
companies
in the Banks industry
Industry Median: 1.11
vs NSE:HOMEFIRST: 2.97
During the past 12 months, Home First Finance Co India's average Book Value Per Share Growth Rate was 49.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 26.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 19.90% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Home First Finance Co India was 62.10% per year. The lowest was 14.90% per year. And the median was 25.55% per year.
Back to Basics: PB Ratio
Home First Finance Co India (NSE:HOMEFIRST) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Home First Finance Co India PB Ratio Related Terms
Home First Finance Co India PB Ratio 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.
NSE:HOMEFIRST vs RKT, FNMA, PFSI: PB Ratio Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's PB Ratio distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Home First Finance Co India (NSE:HOMEFIRST) has a PB Ratio of 2.97 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Home First Finance Co India and its competitors. This is 22% below median its historical median of 3.82. Over the past decade, Home First Finance Co India's PB Ratio has ranged from 2.30 to 5.25. According to the industry distribution chart, Home First Finance Co India ranks #1451 out of 1518 companies in the Banks industry, placing it in the top 95.6%.
Is Home First Finance Co India's PB Ratio too high?
Home First Finance Co India's current PB Ratio of 2.97 is 22% below median its 10-year median of 3.82. Over the past 10 years, this metric has ranged from a low of 2.30 to a high of 5.25. The Banks industry median PB Ratio is 1.11. Home First Finance Co India's value of 2.97 is 167.6% above this industry median. Based on the distribution chart, Home First Finance Co India ranks #1451 out of 1518 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 Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home First Finance Co India's PB Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #1451 out of 1518 companies for PB Ratio. This places Home First Finance Co India in the lower half of its industry. The industry median PB Ratio is 1.11. Home First Finance Co India's value of 2.97 is 167.6% above this benchmark. Historically, Home First Finance Co India's own PB Ratio has ranged from 2.30 to 5.25 over the past decade. While the company's 10-year median is 3.82 vs. the industry median of 1.11, Home First Finance Co India has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home First Finance Co India's current PB Ratio of 2.97 is 167.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home First Finance Co India's current PB Ratio is 2.97, which is 22% below median its own 10-year median of 3.82. 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 ₹1,333.96, compared to a current price of ₹1,241.80 — trading 6.9% below its estimated fair value. The current PB Ratio is 2.97, which is 22% below median its 10-year median of 3.82 and 167.6% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current PB Ratio is 2.97 as of Jul. 19, 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 ₹1,241.80 is trading 6.9% below its estimated GF Value™ of ₹1,333.96.
GuruFocus considers Home First Finance Co India to be Fairly Valued.
Key valuation signals for NSE:HOMEFIRST:
PB Ratio: 2.97 (22% below median its 10-year median of 3.82)
GF Value™: ₹1,333.96 vs. price of ₹1,241.80 (6.9% below fair value)
Industry Position: 167.6% above the Banks median (#1451 of 1518)
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
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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