ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Home First Finance Co India's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹5,978 Mil.
Home First Finance Co India's average Total Assets over the quarter that ended in Mar. 2026 was ₹151,665 Mil. Therefore, Home First Finance Co India's annualized ROA % for the quarter that ended in Mar. 2026 was 3.94%.
The historical rank and industry rank for Home First Finance Co India's ROA % or its related term are showing as below:
NSE:HOMEFIRST'
s ROA % Range Over the Past 10 Years
Min: 1.17 Med: 3.51 Max: 3.95
Current: 3.94
During the past 9 years, Home First Finance Co India's highest ROA % was 3.95%. The lowest was 1.17%. And the median was 3.51%.
NSE:HOMEFIRST's ROA % is ranked better than 96.74% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs NSE:HOMEFIRST: 3.94
Home First Finance Co India (NSE:HOMEFIRST) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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: ROA % Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's ROA % distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Home First Finance Co India (NSE:HOMEFIRST) has a ROA % of 3.94% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Home First Finance Co India and its competitors. This is 12% above median its historical median of 3.51. Over the past decade, Home First Finance Co India's ROA % has ranged from 1.17 to 3.95. According to the industry distribution chart, Home First Finance Co India ranks #50 out of 1532 companies in the Banks industry, placing it in the top 3.3%.
Is Home First Finance Co India's ROA % too high?
Home First Finance Co India's current ROA % of 3.94% is 12% above median its 10-year median of 3.51. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 3.95. The Banks industry median ROA % is 0.98. Home First Finance Co India's value of 3.94% is 302% above this industry median. Based on the distribution chart, Home First Finance Co India ranks #50 out of 1532 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 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Home First Finance Co India's ROA % compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #50 out of 1532 companies for ROA %. This places Home First Finance Co India in the top 3% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Home First Finance Co India's value of 3.94% is 302% above this benchmark. Historically, Home First Finance Co India's own ROA % has ranged from 1.17 to 3.95 over the past decade. While the company's 10-year median is 3.51 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home First Finance Co India's current ROA % of 3.94% is 302% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home First Finance Co India's current ROA % is 3.94%, which is 12% above median its own 10-year median of 3.51. 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 ₹1,336.75, compared to a current price of ₹1,191.70 — trading 10.9% below its estimated fair value. The current ROA % is 3.94%, which is 12% above median its 10-year median of 3.51 and 302% above the Banks industry median of 0.98. Home First Finance Co India's overall GF Score™ is 82/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current ROA % is 3.94% 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 ₹1,191.70 is trading 10.9% below its estimated GF Value™ of ₹1,336.75.
GuruFocus considers Home First Finance Co India to be Modestly Undervalued.
Key valuation signals for NSE:HOMEFIRST:
ROA %: 3.94% (12% above median its 10-year median of 3.51)
GF Value™: ₹1,336.75 vs. price of ₹1,191.70 (10.9% below fair value)
Industry Position: 302% above the Banks median (#50 of 1532)
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.
82GF Score
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ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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