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3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Home First Finance Co India's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 2.97%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Home First Finance Co India's 3-Year ROIIC % or its related term are showing as below:
NSE:HOMEFIRST's 3-Year ROIIC % is ranked better than 54.35% of 46
companies
in the Banks industry
Industry Median: 2.37
vs NSE:HOMEFIRST: 2.97
Home First Finance Co India (NSE:HOMEFIRST) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Home First Finance Co India 3-Year ROIIC % Related Terms
Home First Finance Co India 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Home First Finance Co India (NSE:HOMEFIRST) has a 3-Year ROIIC % of 2.97 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Home First Finance Co India and its competitors. This is near median its historical median of 2.90. Over the past decade, Home First Finance Co India's 3-Year ROIIC % has ranged from 2.12 to 5.06. According to the industry distribution chart, Home First Finance Co India ranks #21 out of 46 companies in the Banks industry, placing it in the top 45.7%.
Is Home First Finance Co India's 3-Year ROIIC % too high?
Home First Finance Co India's current 3-Year ROIIC % of 2.97 is near median its 10-year median of 2.90. Over the past 10 years, this metric has ranged from a low of 2.12 to a high of 5.06. The Banks industry median 3-Year ROIIC % is 2.37. Home First Finance Co India's value of 2.97 is 25.3% above this industry median. Based on the distribution chart, Home First Finance Co India ranks #21 out of 46 companies in the Banks industry, which is above the industry midpoint. Overall, Home First Finance Co India has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home First Finance Co India's 3-Year ROIIC % compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #21 out of 46 companies for 3-Year ROIIC %. This puts Home First Finance Co India in the upper half of its industry. The industry median 3-Year ROIIC % is 2.37. Home First Finance Co India's value of 2.97 is 25.3% above this benchmark. Historically, Home First Finance Co India's own 3-Year ROIIC % has ranged from 2.12 to 5.06 over the past decade. While the company's 10-year median is 2.90 vs. the industry median of 2.37, 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 3-Year ROIIC % for a Banks company?
The median 3-Year ROIIC % among Banks companies is 2.37, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home First Finance Co India's current 3-Year ROIIC % of 2.97 is 25.3% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median 3-Year ROIIC % is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home First Finance Co India's current 3-Year ROIIC % is 2.97, which is near median its own 10-year median of 2.90. 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 ₹1,326.89, compared to a current price of ₹1,202.30 — trading 9.4% below its estimated fair value. The current 3-Year ROIIC % is 2.97, which is near median its 10-year median of 2.90 and 25.3% above the Banks industry median of 2.37. Home First Finance Co India's overall GF Score™ is 82/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current 3-Year ROIIC % is 2.97 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 ₹1,202.30 is trading 9.4% below its estimated GF Value™ of ₹1,326.89.
GuruFocus considers Home First Finance Co India to be Fairly Valued.
Key valuation signals for NSE:HOMEFIRST:
3-Year ROIIC %: 2.97 (near median its 10-year median of 2.90)
GF Value™: ₹1,326.89 vs. price of ₹1,202.30 (9.4% below fair value)
Industry Position: 25.3% above the Banks median (#21 of 46)
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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3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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