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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Home First Finance Co India's 3-Year RORE % for the quarter that ended in Mar. 2026 was 15.29%.
NSE:HOMEFIRST's 3-Year RORE % is ranked better than 60.93% of 1469
companies
in the Banks industry
Industry Median: 9.92
vs NSE:HOMEFIRST: 15.29
Home First Finance Co India (NSE:HOMEFIRST) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Home First Finance Co India 3-Year RORE % Related Terms
Home First Finance Co India 3-Year RORE % 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 RORE % Comparison
For the Mortgage Finance subindustry, Home First Finance Co India's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Home First Finance Co India's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Home First Finance Co India's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Home First Finance Co India (NSE:HOMEFIRST) has a 3-Year RORE % of 15.29 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Home First Finance Co India and its competitors. According to the industry distribution chart, Home First Finance Co India ranks #574 out of 1469 companies in the Banks industry, placing it in the top 39.1%.
Is Home First Finance Co India's 3-Year RORE % too high?
Home First Finance Co India's current 3-Year RORE % is 15.29. The Banks industry median 3-Year RORE % is 9.92. Home First Finance Co India's value of 15.29 is 54.1% above this industry median. Based on the distribution chart, Home First Finance Co India ranks #574 out of 1469 companies in the Banks industry, which is above the industry midpoint. 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 3-Year RORE % compare to RKT and FNMA?
According to the Banks industry distribution chart, Home First Finance Co India ranks #574 out of 1469 companies for 3-Year RORE %. This puts Home First Finance Co India in the upper half of its industry. The industry median 3-Year RORE % is 9.92. Home First Finance Co India's value of 15.29 is 54.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.92, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 RORE % of 15.29 is 54.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Home First Finance Co India and its competitors. For the Banks industry, the median 3-Year RORE % is 9.92 — 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 RORE % is 15.29. 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 ₹1,328.25, compared to a current price of ₹1,273.20 — trading 4.1% below its estimated fair value. The current 3-Year RORE % is 15.29 and 54.1% above the Banks industry median of 9.92. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Home First Finance Co India (NSE:HOMEFIRST), the current 3-Year RORE % is 15.29 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 ₹1,273.20 is trading 4.1% below its estimated GF Value™ of ₹1,328.25.
GuruFocus considers Home First Finance Co India to be Fairly Valued.
Key valuation signals for NSE:HOMEFIRST:
3-Year RORE %: 15.29
GF Value™: ₹1,328.25 vs. price of ₹1,273.20 (4.1% below fair value)
Industry Position: 54.1% above the Banks median (#574 of 1469)
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
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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