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Home First Q3 FY26 PAT Jumps 44% YoY to ₹140 Cr; AUM Grows 25% to ₹14,925 Cr
Home First Finance reported a strong Q3 FY26 with PAT rising 44% YoY to ₹140 crore and AUM reaching ₹14,925 crore. Despite a slight uptick in Gross Stage 3 assets to 2.0%, early-stage delinquencies (1+ DPD) improved by 20 bps to 5.3%, signaling stabilizing asset quality. The company achieved record quarterly disbursements of ₹1,318 crore and saw Net Interest Margins (NIM) expand to 6.0%. Crucially, the MD & CEO dismissed rumors regarding his exit, providing leadership stability for the projected 25% growth in FY27.
Key Highlights
AUM grew 24.9% YoY to ₹14,925 crore with record quarterly disbursements of ₹1,318 crore.
Net Interest Margin (NIM) expanded to 6.0% from 5.4% QoQ, supported by optimized liquidity and lower borrowing costs.
Profit After Tax (PAT) increased 44% YoY to ₹140 crore, delivering a robust Return on Assets (ROA) of 4.0%.
Asset quality showed improvement in early buckets with 1+ DPD down 20 bps to 5.3%, though Gross Stage 3 rose 10 bps to 2.0%.
MD & CEO Manoj Viswanathan explicitly denied rumors of his departure, confirming his commitment to the company.
💼 Action for Investors
Investors should take confidence in the strong disbursement momentum and the management's clarification on leadership continuity. The stock remains a solid play in the affordable housing finance space with a clear 25% growth guidance for FY27.
Home First Q3FY26 PAT Jumps 44% YoY to ₹140 Cr; AUM Grows 25% to ₹14,925 Cr
Home First Finance Company reported a strong Q3FY26 performance with PAT growing 44% YoY to ₹140 Cr and AUM reaching ₹14,925 Cr. Disbursements hit an all-time high of ₹1,318 Cr, representing a 10.5% YoY growth, though the company issued a correction noting QoQ disbursement growth was 2.2% rather than 10.5%. Profitability remains robust with a Return on Assets (RoA) of 4.0% and improving spreads at 5.4%. Asset quality remains largely stable with GNPA at 2.0% and 1+ DPD improving to 5.3%.
Key Highlights
Assets Under Management (AUM) grew 24.9% YoY to ₹14,925 Cr with housing loans comprising 83% of the mix.
Profit After Tax (PAT) increased 44% YoY to ₹140 Cr; excluding one-time labor code adjustments, growth was 46.6%.
Spreads improved by 10 bps QoQ to 5.4% as the cost of borrowings declined to 8.0%.
Asset quality metrics showed 1+ DPD improving to 5.3% (down 20 bps QoQ) while GNPA stood at 2.0% (up 10 bps QoQ).
Capital adequacy remains exceptionally strong with a CRAR of 49.0% following a recent fundraise.
💼 Action for Investors
The company demonstrates strong execution in the affordable housing segment with high profitability and a clear 25% AUM growth guidance for FY27. Investors should maintain a positive outlook while monitoring the slight uptick in GNPA and the impact of the enlarged equity base on RoE.
Home First Finance Q3 PAT Jumps 44% YoY to ₹1,402 Million; Re-appoints Chief Compliance Officer
Home First Finance Company reported a robust 44% YoY increase in Profit After Tax (PAT) for Q3 FY26, reaching ₹1,402 million compared to ₹973.83 million in the previous year. Total revenue from operations grew by 18.8% YoY to ₹4,822.45 million, supported by steady interest income growth. The company also confirmed the re-appointment of Ms. Kavita Semwal as Chief Compliance Officer for a three-year term starting May 2026, ensuring management continuity. Additionally, the company recognized a ₹33 million provision for employee benefits related to the New Labour Codes.
Key Highlights
Net Profit for Q3 FY26 rose 44% YoY to ₹1,402 million from ₹973.83 million.
Total Income for the quarter stood at ₹4,836.75 million, up 18.7% from ₹4,074.50 million YoY.
Basic Earnings Per Share (EPS) increased to ₹13.52 from ₹10.20 in the year-ago period.
Re-appointment of Ms. Kavita Semwal as CCO for 3 years effective May 01, 2026.
Direct assignment of loans worth ₹2,387.85 million executed during the quarter ended Dec 31, 2025.
💼 Action for Investors
The strong earnings growth and management stability are positive indicators for long-term investors in the affordable housing finance segment. Monitor the deployment of the ₹12,500 million QIP funds for future AUM expansion.
HomeFirst Q3FY26 Results: PAT Surges 44% YoY to ₹140 Cr; AUM Grows 25% to ₹14,925 Cr
Home First Finance Company reported a robust Q3FY26 with Profit After Tax (PAT) growing 44% YoY to ₹140 Cr, supported by a 24.9% growth in Assets Under Management (AUM) which reached ₹14,925 Cr. The company achieved its highest-ever quarterly disbursements of ₹1,318 Cr while maintaining a strong Return on Assets (RoA) of 4.0%. Although Gross Stage 3 assets (GNPA) rose slightly to 2.0%, early delinquency indicators like 1+ DPD improved to 5.3%. Management has provided a confident growth guidance of 25% AUM growth for FY27.
Key Highlights
Assets Under Management (AUM) grew 24.9% YoY to ₹14,925 Cr, with housing loans comprising 83% of the portfolio.
Profit After Tax (PAT) increased 44% YoY to ₹140 Cr; excluding one-time labour code adjustments, growth was 46.6%.
Return on Assets (RoA) expanded by 60 bps YoY to 4.0%, while Spreads improved to 5.4%.
Asset quality showed 1+ DPD improving to 5.3% (down 20 bps QoQ), though GNPA edged up to 2.0%.
Capital position remains very strong with a Total CRAR of 49.0% and a net worth of ₹4,180 Cr.
💼 Action for Investors
Investors should view the strong AUM growth and expanding RoA as indicators of high operational efficiency and market demand. While the slight uptick in GNPA requires monitoring, the improvement in early-stage delinquencies and robust capital adequacy provide a comfortable cushion for future growth.
Home First Finance Q3 FY26 PAT Jumps 44% YoY to ₹140 Cr; AUM Grows 25% to ₹14,925 Cr
Home First Finance reported a strong Q3 FY26 with PAT rising 44% YoY to ₹140.2 crore, despite a one-time gratuity provision of ₹3.3 crore due to new labor codes. Assets Under Management (AUM) grew by 24.9% YoY to reach ₹14,925 crore, supported by record quarterly disbursements of ₹1,318 crore. While asset quality saw a marginal uptick in GNPA to 2.0%, early-stage delinquencies (1+ DPD) improved by 20 bps QoQ. The company maintains a robust Return on Assets (RoA) of 4.0% and has expanded its network to 165 branches.
Key Highlights
Profit After Tax (PAT) grew 44% YoY to ₹1,402 Mn; excluding one-time items, growth was 46.6% YoY.
Total Assets Under Management (AUM) increased by 24.9% YoY to ₹1,49,249 Mn.
Quarterly disbursements reached an all-time high of ₹13,184 Mn, up 10.5% YoY.
Return on Assets (RoA) stood at 4.0% and Pre-money Return on Equity (RoE) was 17.1%.
Asset quality remained stable with 30+ DPD flat at 3.7% and GNPA at 2.0%.
💼 Action for Investors
Investors should note the company's consistent 25% AUM growth trajectory and industry-leading RoA of 4%. The stock remains a strong play in the affordable housing segment given its technology-driven model and diversified funding base.
Home First Finance Q3 PAT Jumps 44% YoY to ₹1,402 Million; Revenue Up 19%
Home First Finance reported a robust performance for Q3 FY26, with Profit After Tax (PAT) increasing 44% year-on-year to ₹1,402 million. Total revenue from operations grew by 18.8% YoY to ₹4,822.45 million, supported by strong interest income and loan growth in the affordable housing segment. For the nine-month period ended December 2025, PAT reached ₹3,909.38 million compared to ₹2,773.76 million in the previous year. The company also confirmed the re-appointment of its Chief Compliance Officer for a further three-year term.
Key Highlights
Net Profit (PAT) surged 44% YoY to ₹1,402 million in Q3 FY26 from ₹973.83 million in Q3 FY25.
Total Revenue from operations increased 18.8% YoY to ₹4,822.45 million.
Basic Earnings Per Share (EPS) rose to ₹13.52 from ₹10.20 in the year-ago quarter.
Nine-month PAT for FY26 stands at ₹3,909.38 million, reflecting strong cumulative growth.
A one-time provision of ₹33 million was recognized during the quarter due to the impact of new Labour Codes.
💼 Action for Investors
Investors should take note of the significant bottom-line growth and consistent revenue expansion in the affordable housing finance space. The stock remains a strong play on the housing sector given its improved profitability and successful capital utilization from its previous QIP.