The historical rank and industry rank for Home First Finance Co India's ROE % or its related term are showing as below:
NSE:HOMEFIRST'
s ROE % Range Over the Past 10 Years
Min: 4.93 Med: 12.6 Max: 16.46
Current: 14.88
During the past 9 years, Home First Finance Co India's highest ROE % was 16.46%. The lowest was 4.93%. And the median was 12.60%.
NSE:HOMEFIRST's ROE % is ranked better than 79.9% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs NSE:HOMEFIRST: 14.88
Home First Finance Co India (NSE:HOMEFIRST) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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: ROE % Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's ROE % distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Home First Finance Co India (NSE:HOMEFIRST) has a ROE % of 13.72% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Home First Finance Co India and its competitors. This is near median its historical median of 12.60. Over the past decade, Home First Finance Co India's ROE % has ranged from 4.93 to 16.46. According to the industry distribution chart, Home First Finance Co India ranks #307 out of 1527 companies in the Banks industry, placing it in the top 20.1%.
Is Home First Finance Co India's ROE % too high?
Home First Finance Co India's current ROE % of 13.72% is near median its 10-year median of 12.60. Over the past 10 years, this metric has ranged from a low of 4.93 to a high of 16.46. The Banks industry median ROE % is 10.23. Home First Finance Co India's value of 13.72% is 34.1% above this industry median. Based on the distribution chart, Home First Finance Co India ranks #307 out of 1527 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 ROE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #307 out of 1527 companies for ROE %. This places Home First Finance Co India in the top 20% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Home First Finance Co India's value of 13.72% is 34.1% above this benchmark. Historically, Home First Finance Co India's own ROE % has ranged from 4.93 to 16.46 over the past decade. While the company's 10-year median is 12.60 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home First Finance Co India's current ROE % of 13.72% is 34.1% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median ROE % is 10.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home First Finance Co India's current ROE % is 13.72%, which is near 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 (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 ROE % is 13.72%, which is near median its 10-year median of 12.60 and 34.1% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current ROE % is 13.72% 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:
ROE %: 13.72% (near median its 10-year median of 12.60)
GF Value™: ₹1,336.75 vs. price of ₹1,191.70 (10.9% below fair value)
Industry Position: 34.1% above the Banks median (#307 of 1527)
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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ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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