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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Home First Finance Co India's annualized net income for the quarter that ended in Jun. 2026 was ₹6,394 Mil. Home First Finance Co India's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹43,550 Mil. Therefore, Home First Finance Co India's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 14.68%.
The historical rank and industry rank for Home First Finance Co India's Return-on-Tangible-Equity or its related term are showing as below:
BOM:543259'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.94 Med: 12.6 Max: 16.46
Current: 16.02
During the past 9 years, Home First Finance Co India's highest Return-on-Tangible-Equity was 16.46%. The lowest was 4.94%. And the median was 12.60%.
BOM:543259's Return-on-Tangible-Equity is ranked better than 77.98% of 1521
companies
in the Banks industry
Industry Median: 11.44
vs BOM:543259: 16.02
Home First Finance Co India (BOM:543259) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Home First Finance Co India Return-on-Tangible-Equity Related Terms
Home First Finance Co India Return-on-Tangible-Equity 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.
Home First Finance Co India Return-on-Tangible-Equity Chart
BOM:543259 vs RKT, FNMA, PFSI: Return-on-Tangible-Equity Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.68% mean?
Home First Finance Co India (BOM:543259) has a Return-on-Tangible-Equity of 14.68% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Home First Finance Co India and its competitors. This is 17% above median its historical median of 12.60. Over the past decade, Home First Finance Co India's Return-on-Tangible-Equity has ranged from 4.94 to 16.46. According to the industry distribution chart, Home First Finance Co India ranks #335 out of 1521 companies in the Banks industry, placing it in the top 22%.
Is Home First Finance Co India's Return-on-Tangible-Equity too high?
Home First Finance Co India's current Return-on-Tangible-Equity of 14.68% is 17% above median its 10-year median of 12.60. Over the past 10 years, this metric has ranged from a low of 4.94 to a high of 16.46. The Banks industry median Return-on-Tangible-Equity is 11.44. Home First Finance Co India's value of 14.68% is 28.3% above this industry median. Based on the distribution chart, Home First Finance Co India ranks #335 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position 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 Return-on-Tangible-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #335 out of 1521 companies for Return-on-Tangible-Equity. This places Home First Finance Co India in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.44. Home First Finance Co India's value of 14.68% is 28.3% above this benchmark. Historically, Home First Finance Co India's own Return-on-Tangible-Equity has ranged from 4.94 to 16.46 over the past decade. While the company's 10-year median is 12.60 vs. the industry median of 11.44, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home First Finance Co India's current Return-on-Tangible-Equity of 14.68% is 28.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home First Finance Co India's current Return-on-Tangible-Equity is 14.68%, which is 17% above median its own 10-year median of 12.60. 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 (BOM:543259) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹1,407.90, compared to a current price of ₹1,171.35 — trading 16.8% below its estimated fair value. The current Return-on-Tangible-Equity is 14.68%, which is 17% above median its 10-year median of 12.60 and 28.3% above the Banks industry median of 11.44. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Home First Finance Co India (BOM:543259), the current Return-on-Tangible-Equity is 14.68% 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 (BOM:543259) Overvalued in 2026?
Based on GuruFocus' analysis, Home First Finance Co India stock appears to be undervalued.
The current stock price of ₹1,171.35 is trading 16.8% below its estimated GF Value™ of ₹1,407.90.
GuruFocus considers Home First Finance Co India to be Modestly Undervalued.
Key valuation signals for BOM:543259:
Return-on-Tangible-Equity: 14.68% (17% above median its 10-year median of 12.60)
GF Value™: ₹1,407.90 vs. price of ₹1,171.35 (16.8% below fair value)
Industry Position: 28.3% above the Banks median (#335 of 1521)
No single metric tells the full story. See the BOM:543259 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 BOM:543259
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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