Home First Finance Share Price: 5.7% CAGR in 3 Years as This Affordable Housing Lender Stacks Up Against PNB Housing and LIC Housing
- November 5, 2026
- Posted by: Chaitanya Auti
- Category: Best Stocks
Home First Finance Share Price: 5.7% CAGR in 3 Years as This Affordable Housing Lender Stacks Up Against PNB Housing and LIC Housing
Home First Finance previous close Rs 1,082.30. 3-year CAGR 5.7%. Up 1.2x since 3 Nov 2023. Debt to equity 2.63. ROE 13.28%.
Quick Answer
The Home First Finance share price closed at Rs 1,082.30 on 4 November 2026, a compounded annual return of 5.7% over three years. That compares with PNB Housing Finance at 14.0% and LIC Housing Finance at 4.0%. The company has a market cap of Rs 11,304 crore and a P/E of 18.24 against an industry P/E of 20.30.
The Home First Finance share price offers a view of how smaller, newer lenders compare with the larger names in Indian housing finance. Home First Finance Company India, which listed in 2021 and focuses on affordable home loans, has compounded ahead of LIC Housing Finance while carrying a lighter debt load than both of the larger peers.
This article calculates the three-year CAGR for all three, then compares market cap, valuation, return on equity and debt. All prices are adjusted for corporate actions so the comparison is on equal terms.
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How Much Has the Home First Finance Share Price Returned in 3 Years?
The Home First Finance stock closed at Rs 915.35 on 3 November 2023 and at Rs 1,082.30 on 4 November 2026. Rs 1 lakh invested three years ago would have grown to about Rs 1.18 lakh, which is a CAGR of 5.7%. This is a price return and leaves out dividends.
CAGR condenses a bumpy three-year ride into one yearly number, which is why it is the fairest way to compare companies of different sizes. A stock such as Home First Finance can look spectacular on a chart and still have earned a modest yearly return, so the compounded figure keeps the comparison honest.
The Home First Finance share price reflects the steady demand for home loans among salaried and self-employed households in smaller cities, a segment where lenders earn higher yields than on prime loans.
Home First Finance vs PNB Housing Finance and LIC Housing Finance: 3-Year CAGR Compared
The table ranks the companies by three-year CAGR. Prices on 3 November 2023 are adjusted for splits and bonuses, and the latest figures are the previous close on 4 November 2026.
| Company | Close on 3 Nov 2023 | Previous close (4 Nov 2026) | Price multiple | 3-year CAGR |
|---|---|---|---|---|
| PNB Housing Finance | Rs 730.25 | Rs 1,082.00 | 1.5x | 14.0% |
| Home First Finance Company | Rs 915.35 | Rs 1,082.30 | 1.2x | 5.7% |
| LIC Housing Finance | Rs 462.40 | Rs 520.00 | 1.1x | 4.0% |
The Home First Finance stock ranks second of the three at 5.7%. It sits ahead of LIC Housing Finance (4.0%). The company ahead is PNB Housing Finance (14.0%). PNB Housing leads the trio, with Home First Finance second and LIC Housing Finance third. The spread shows how different lenders have used the same stretch of the interest rate cycle.
Look at the Home First Finance share price alongside the peers as a snapshot of the last three years. It describes what happened, and valuation and earnings will decide what happens next.
Valuation and Quality Compared
| Company | Market cap | P/E | Industry P/E | ROE | Debt to equity |
|---|---|---|---|---|---|
| LIC Housing Finance | Rs 28,603 crore | 4.85 | 20.30 | 13.44% | 6.50 |
| PNB Housing Finance | Rs 28,193 crore | 12.00 | 20.30 | 11.61% | 3.93 |
| Home First Finance Company | Rs 11,304 crore | 18.24 | 20.30 | 13.28% | 2.63 |
By market cap, LIC Housing Finance is the largest of the group at Rs 28,603 crore, while the Home First Finance stock stands at Rs 11,304 crore, about 40% of that size. On earnings, Home First Finance shares trade at a P/E of 18.24 against an industry P/E of 20.30, a discount of about 10% to the sector, which leaves room if earnings keep growing. Peer multiples are PNB Housing Finance at 12.00 and LIC Housing Finance at 4.85.
Return on equity is 13.28% for the Home First Finance stock, which ranks second among the three, and debt to equity stands at 2.63. Trailing EPS is Rs 59.26. Lenders are usually valued on price to book and ROE as well as P/E, since borrowing is part of the business model.
What Is Driving the Home First Finance Stock?
Home First Finance Company India is a Mumbai-based housing finance company that lends to first-time home buyers in the affordable segment, mainly salaried and self-employed customers in tier two and tier three cities. Its loans are typically smaller than those of the large lenders.
The focus on smaller loans, with a technology-led process, allows it to earn a healthy spread. Growth comes from adding branches in newer markets and from deepening existing ones, while asset quality is the main number to monitor.
Followers of the Home First Finance share price generally track loan book growth, net interest margin, asset quality and the cost of borrowing.
How the Established Players Stack Up
PNB Housing Finance is a housing finance company promoted by Punjab National Bank. It leads the group with a 14.0% CAGR and trades at a P/E of 12.00.
LIC Housing Finance is one of the largest housing lenders in India. It compounded at 4.0% a year on a market cap of Rs 28,603 crore, with a P/E of 4.85.
What Should Investors Track Next?
Three things are worth watching on the Home First Finance share price. First, loan book growth and disbursement momentum. Second, asset quality, especially in smaller loans. Third, borrowing costs and the spread it earns.
Its debt to equity ratio of 2.63 is the lowest of the three, and it trades at a P/E of 18.24 against an industry average of 20.30. A three-year CAGR describes the past, and lenders are sensitive to interest rates.
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How to Compare Housing Finance Stocks Yourself
You can repeat this exercise for any pair of stocks, including the Home First Finance stock against its peers. Note the adjusted closing price on the base date, take the latest close, divide one by the other, raise the result to the power of one third and subtract one. Then place the CAGR next to market cap, P/E against the industry P/E, ROE and debt to equity. Benchmark the result against the Nifty 50 as well, so you know whether the stock beat the broader market.
A stock that scores well on growth but weakly on quality, or the reverse, deserves closer study before it enters a portfolio. When tracking the Home First Finance share price, the same four checks give a more complete picture than price alone.
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A Focused Affordable Lender With a Lighter Debt Load
The Home First Finance share price compounded at 5.7% a year over three years, ahead of LIC Housing at 4.0% and behind PNB Housing at 14.0%.
Home First carries the lowest debt to equity ratio of the three, while LIC Housing offers the lowest P/E and PNB Housing the strongest recent compounding. Weigh each against your view of the rate cycle.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Frequently Asked Questions
What is the Home First Finance share price today?
Ans. Home First Finance Company closed at Rs 1,082.30 on 4 November 2026, according to NSE data. It has a market cap of Rs 11,304 crore and a P/E of 18.24. Check live quotes before acting, as prices change every trading day.
What is the 3-year CAGR of the Home First Finance stock?
Ans. Home First Finance Company delivered a price CAGR of 5.7% over three years, moving from Rs 915.35 on 3 November 2023 to Rs 1,082.30 on 4 November 2026. The figure excludes dividends and uses adjusted closing prices.
Is Home First Finance better than LIC Housing Finance?
Ans. The Home First stock delivered a higher three-year CAGR at 5.7% than LIC Housing at 4.0%, with a lower debt to equity ratio of 2.63 against 6.50. LIC Housing trades at a much lower P/E of 4.85 and is larger by market cap.
What does Home First Finance Company do?
Ans. Home First Finance Company India is a Mumbai-based housing finance company. It lends to first-time home buyers in the affordable segment, mainly in tier two and tier three cities.
Is the Home First Finance stock debt free?
Ans. The debt to equity ratio of the Home First Finance stock is 2.63 and its return on equity is 13.28%. Always check the latest balance sheet for current figures, as debt levels change with expansion plans.
Is Home First Finance expensive compared with the industry?
Ans. Home First Finance trades at a P/E of 18.24 against an industry P/E of 20.30. A higher multiple reflects expectations of faster growth, which the company must deliver through earnings.
Which housing finance stock gave the highest return in 3 years?
Ans. Among the companies compared here, PNB Housing Finance delivered the highest three-year CAGR at 14.0%, followed by Home First Finance Company at 5.7%. Past returns do not guarantee future performance.
How do I calculate CAGR for a stock?
Ans. Divide the latest price by the starting price, raise the result to the power of one divided by the number of years, and subtract one. Multiply by 100 for a percentage. Use split and bonus adjusted prices for accurate results.