{"id":339929,"date":"2026-11-05T11:24:01","date_gmt":"2026-11-05T05:54:01","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=339929"},"modified":"2026-11-05T11:24:01","modified_gmt":"2026-11-05T05:54:01","slug":"home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/","title":{"rendered":"Home First Finance Share Price: 5.7% CAGR in 3 Years as This Affordable Housing Lender Stacks Up Against PNB Housing and LIC Housing"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Home_First_Finance_Share_Price_57_CAGR_in_3_Years_as_This_Affordable_Housing_Lender_Stacks_Up_Against_PNB_Housing_and_LIC_Housing\" title=\"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 Share Price: 5.7% CAGR in 3 Years as This Affordable Housing Lender Stacks Up Against PNB Housing and LIC Housing<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#How_Much_Has_the_Home_First_Finance_Share_Price_Returned_in_3_Years\" title=\"How Much Has the Home First Finance Share Price Returned in 3 Years?\">How Much Has the Home First Finance Share Price Returned in 3 Years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Home_First_Finance_vs_PNB_Housing_Finance_and_LIC_Housing_Finance_3-Year_CAGR_Compared\" title=\"Home First Finance vs PNB Housing Finance and LIC Housing Finance: 3-Year CAGR Compared\">Home First Finance vs PNB Housing Finance and LIC Housing Finance: 3-Year CAGR Compared<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Valuation_and_Quality_Compared\" title=\"Valuation and Quality Compared\">Valuation and Quality Compared<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#What_Is_Driving_the_Home_First_Finance_Stock\" title=\"What Is Driving the Home First Finance Stock?\">What Is Driving the Home First Finance Stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#How_the_Established_Players_Stack_Up\" title=\"How the Established Players Stack Up\">How the Established Players Stack Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#What_Should_Investors_Track_Next\" title=\"What Should Investors Track Next?\">What Should Investors Track Next?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#How_to_Compare_Housing_Finance_Stocks_Yourself\" title=\"How to Compare Housing Finance Stocks Yourself\">How to Compare Housing Finance Stocks Yourself<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#A_Focused_Affordable_Lender_With_a_Lighter_Debt_Load\" title=\"A Focused Affordable Lender With a Lighter Debt Load\">A Focused Affordable Lender With a Lighter Debt Load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#What_is_the_Home_First_Finance_share_price_today\" title=\"What is the Home First Finance share price today?\">What is the Home First Finance share price today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#What_is_the_3-year_CAGR_of_the_Home_First_Finance_stock\" title=\"What is the 3-year CAGR of the Home First Finance stock?\">What is the 3-year CAGR of the Home First Finance stock?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Is_Home_First_Finance_better_than_LIC_Housing_Finance\" title=\"Is Home First Finance better than LIC Housing Finance?\">Is Home First Finance better than LIC Housing Finance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#What_does_Home_First_Finance_Company_do\" title=\"What does Home First Finance Company do?\">What does Home First Finance Company do?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Is_the_Home_First_Finance_stock_debt_free\" title=\"Is the Home First Finance stock debt free?\">Is the Home First Finance stock debt free?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Is_Home_First_Finance_expensive_compared_with_the_industry\" title=\"Is Home First Finance expensive compared with the industry?\">Is Home First Finance expensive compared with the industry?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#Which_housing_finance_stock_gave_the_highest_return_in_3_years\" title=\"Which housing finance stock gave the highest return in 3 years?\">Which housing finance stock gave the highest return in 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/home-first-finance-share-price-3-year-cagr-vs-housing-finance-peers-pnb-lic\/#How_do_I_calculate_CAGR_for_a_stock\" title=\"How do I calculate CAGR for a stock?\">How do I calculate CAGR for a stock?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"Home_First_Finance_Share_Price_57_CAGR_in_3_Years_as_This_Affordable_Housing_Lender_Stacks_Up_Against_PNB_Housing_and_LIC_Housing\"><\/span><strong>Home First Finance Share Price: 5.7% CAGR in 3 Years as This Affordable Housing Lender Stacks Up Against PNB Housing and LIC Housing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>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%.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">The <strong>Home First Finance share price<\/strong> 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.<\/p>\n<\/p><\/div>\n<p>The <strong>Home First Finance share price<\/strong> 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.<\/p>\n<p>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.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=home-first-finance-share-price\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_Much_Has_the_Home_First_Finance_Share_Price_Returned_in_3_Years\"><\/span><strong>How Much Has the Home First Finance Share Price Returned in 3 Years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>The <strong>Home First Finance share price<\/strong> 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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Home_First_Finance_vs_PNB_Housing_Finance_and_LIC_Housing_Finance_3-Year_CAGR_Compared\"><\/span><strong>Home First Finance vs PNB Housing Finance and LIC Housing Finance: 3-Year CAGR Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Close on 3 Nov 2023<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Previous close (4 Nov 2026)<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Price multiple<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">3-year CAGR<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">PNB Housing Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 730.25<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,082.00<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.5x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">14.0%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Home First Finance Company<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 915.35<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 1,082.30<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.2x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">5.7%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">LIC Housing Finance<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 462.40<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 520.00<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">1.1x<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">4.0%<\/td>\n<\/tr>\n<\/table>\n<p>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.<\/p>\n<p>Look at the <strong>Home First Finance share price<\/strong> alongside the peers as a snapshot of the last three years. It describes what happened, and valuation and earnings will decide what happens next.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Valuation_and_Quality_Compared\"><\/span><strong>Valuation and Quality Compared<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"border-collapse:collapse;width:100%;margin:14px 0;\">\n<tr>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Company<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Market cap<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">ROE<\/th>\n<th style=\"border:1px solid #bbb;padding:6px 10px;background:#EBF3FB;text-align:left;\">Debt to equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 28,603 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">4.85<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">20.30<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.44%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">6.50<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/pnbhousing\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 28,193 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">12.00<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">20.30<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">11.61%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">3.93<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\"><a href=\"https:\/\/univest.in\/stocks\/homefirst\/home-first-finance-company-india-ltd-share-price-today\">Home First Finance Company<\/a><\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">Rs 11,304 crore<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">18.24<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">20.30<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">13.28%<\/td>\n<td style=\"border:1px solid #bbb;padding:6px 10px;\">2.63<\/td>\n<\/tr>\n<\/table>\n<p>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.<\/p>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Driving_the_Home_First_Finance_Stock\"><\/span><strong>What Is Driving the Home First Finance Stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>Followers of the <strong>Home First Finance share price<\/strong> generally track loan book growth, net interest margin, asset quality and the cost of borrowing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_Established_Players_Stack_Up\"><\/span><strong>How the Established Players Stack Up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Should_Investors_Track_Next\"><\/span><strong>What Should Investors Track Next?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Three things are worth watching on the <strong>Home First Finance share price<\/strong>. First, loan book growth and disbursement momentum. Second, asset quality, especially in smaller loans. Third, borrowing costs and the spread it earns.<\/p>\n<p>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.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live fundamentals of housing finance stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Compare_Housing_Finance_Stocks_Yourself\"><\/span><strong>How to Compare Housing Finance Stocks Yourself<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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 <a href=\"https:\/\/univest.in\/indices\/nifty-50\/nifty-50-share-price-today\">Nifty 50<\/a> as well, so you know whether the stock beat the broader market.<\/p>\n<p>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 <strong>Home First Finance share price<\/strong>, the same four checks give a more complete picture than price alone.<\/p>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track the <strong>Home First Finance share price<\/strong> and compare lending stocks live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"A_Focused_Affordable_Lender_With_a_Lighter_Debt_Load\"><\/span><strong>A Focused Affordable Lender With a Lighter Debt Load<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>Home First Finance share price<\/strong> compounded at 5.7% a year over three years, ahead of LIC Housing at 4.0% and behind PNB Housing at 14.0%.<\/p>\n<p>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.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> 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).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Home_First_Finance_share_price_today\"><\/span><strong>What is the Home First Finance share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_3-year_CAGR_of_the_Home_First_Finance_stock\"><\/span><strong>What is the 3-year CAGR of the Home First Finance stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Home_First_Finance_better_than_LIC_Housing_Finance\"><\/span><strong>Is Home First Finance better than LIC Housing Finance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_Home_First_Finance_Company_do\"><\/span><strong>What does Home First Finance Company do?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_the_Home_First_Finance_stock_debt_free\"><\/span><strong>Is the Home First Finance stock debt free?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Home_First_Finance_expensive_compared_with_the_industry\"><\/span><strong>Is Home First Finance expensive compared with the industry?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_housing_finance_stock_gave_the_highest_return_in_3_years\"><\/span><strong>Which housing finance stock gave the highest return in 3 years?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_calculate_CAGR_for_a_stock\"><\/span><strong>How do I calculate CAGR for a stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> 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.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the Home First Finance share price today?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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. 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See how it compares with PNB Housing and LIC Housing Finance on returns and debt.<\/p>\n","protected":false},"author":38,"featured_media":339928,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[20162,20159,20160,20161],"class_list":["post-339929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-hfc-stocks-3-year-return","tag-home-first-finance-share-price","tag-home-first-finance-vs-lic-housing","tag-housing-finance-stocks-india"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["339928"],"rank_math_title":["Home First Finance Share Price: 5.7% CAGR vs LIC Housing"],"rank_math_description":["Home First Finance share price compounded at 5.7% a year over 3 years. 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