Home First Finance Company India Ltd delivered robust Q4FY26 results with consolidated net profit rising 42.8% year-on-year to ₹149.4 crore, compared with ₹104.6 crore in the same period last year. According to reports from CNBC TV18, net interest income increased 36.5% to ₹306.1 crore in the quarter, against ₹224.3 crore a year earlier. For Q4FY26, total income rose 21.3% year-on-year to ₹505 crore, while pre-provision operating profit increased 44.9% to ₹211 crore.
The company demonstrated significant improvement in asset quality metrics during the quarter. As reported by CNBC TV18, 1+ DPD improved to 4.7%, 30+ DPD to 3.2%, and gross NPA to 1.8%, showing sequential improvements of 60 bps, 50 bps and 20 bps respectively. Bounce rates remained range-bound at 16.3% in April 2026, while credit cost stood at 40 bps for the quarter. The provision coverage ratio on GNPA improved to 44.9% from 40.4% in the previous quarter.
According to CNBC TV18, assets under management (AUM) increased 24.9% year-on-year to ₹15,878 crore and disbursements rose 23.5% to ₹1,572 crore, marking an all-time high. Housing loans accounted for 83% of AUM, while the EWS/LIG segment formed around 70% of the customer base. The company's ex-CL spread on loans stood at 5.3%, down 10 bps quarter-on-quarter but up 20 bps year-on-year. Cost of borrowings improved to 7.9%, down 10 bps sequentially.
As reported by CNBC TV18, capital adequacy remained robust with CRAR at 44.1% and Tier I capital at 43.8%, compared with 32.8% and 32.4% respectively in the previous year. Net worth rose to ₹4,357 crore from ₹4,180 crore in the previous quarter, supported by a recent equity fund raise of ₹1,250 crore in April 2026. Total borrowings, including debt securities, stood at ₹10,590 crore, with a liquidity buffer of ₹3,126 crore. Total provisions to loans outstanding stood at 0.8%.
The company has recommended a dividend of ₹5.20 per equity share of face value ₹2 each for the financial year ended March 31, 2026, which is equivalent to 260%. According to CNBC TV18, the dividend, subject to approval by shareholders at the ensuing Annual General Meeting, will be credited within 30 days after the conclusion of the AGM if declared. Return on assets improved to 4.1%, while return on equity stood at 14%, with pre-money adjusted ROE at 17.5%. Shares of Home First Finance Company India Ltd ended at ₹1,230.00, up by ₹43.45, or 3.66% on the BSE.
