Synopsis: The company reported a strong Q4FY26 performance with total income rising around 21.3 percent year-on-year to Rs. 504.74 crore, while net profit increased nearly 42.7 percent to Rs. 149.45 crore. The growth was supported by higher interest income, improved operating leverage, and strong expansion in lending operations.
Home First Finance has a total market capitalisation of Rs. 12,807.31 crore, according to data on the NSE. The stock was listed on the exchanges on February 3, 2021. Home First Finance shares were trading at Rs. 1224 apiece on the National Stock Exchange; the stock has gained around 5.06 percent over the last five sessions, while it has surged about 25.06 per cent in the 30 days. Over a six month period, the stock has given a return of 7.32 per cent, whereas on a year-on-year basis it has gone up nearly 8.84 per cent, reflecting mixed overall performance. The stock’s 52-week high was Rs. 1519 and 52 week low was Rs. 893.70.
The company reported a strong set of financial results for the quarter ended March 31, 2026, supported by healthy growth in interest income and improved profitability. Total income for Q4FY26 stood at Rs. 504.74 crore compared to Rs. 416.19 crore reported in Q4FY25, reflecting a strong growth of around 21.3 percent year-on-year. Sequentially, total income also improved from Rs. 483.68 crore reported in Q3FY26, indicating continued growth momentum in the lending business.
Revenue from operations increased to Rs. 501.41 crore in Q4FY26 compared to Rs. 414.67 crore in the corresponding quarter last year, registering a growth of approximately 20.9 per cent. The growth was mainly driven by strong expansion in interest income, which rose to Rs. 431.73 crore compared to Rs. 362.92 crore in Q4FY25.
On the profitability front, the company reported a net profit of Rs. 149.45 crore in Q4FY26 compared to Rs. 104.69 crore in Q4FY25, reflecting a strong growth of around 42.7 per cent year-on-year. Sequentially, profit also improved from Rs. 140.20 crore reported in Q3FY26. The sharp improvement in profitability was largely supported by higher net interest income, operating leverage benefits, and controlled operating expenses.
Total expenses increased to Rs. 309.55 crore compared to Rs. 278.30 crore in the year-ago period, reflecting a rise of around 11.2 percent, which remained significantly lower than revenue growth. This supported margin expansion during the quarter and improved overall profitability.
A key monitorable factor during the quarter was the increase in impairment of financial instruments, which rose sharply to Rs. 15.79 crore compared to Rs. 7.70 crore in Q4FY25. This suggests relatively higher provisioning and cautious recognition of credit risks amid loan book expansion. However, strong income growth more than offset the rise in provisioning costs.
For the full financial year FY26, the company reported total income of Rs. 1,922.72 crore compared to Rs. 1,539.20 crore in FY25, reflecting a strong growth of around 24.9 percent. Net profit for the year stood at Rs. 540.38 crore compared to Rs. 382.07 crore in FY25, registering a sharp growth of approximately 41.4 percent.
Profit before tax for FY26 increased significantly to Rs. 707.75 crore from Rs. 501.59 crore in FY25, reflecting strong growth in core operations. Earnings per share (EPS) for FY26 increased to Rs. 52.35 compared to Rs. 42.83 in FY25, indicating strong shareholder return growth.
Separately, the Board of Directors has recommended a dividend of Rs. 5.20 per equity share of face value Rs. 2 each for FY26, representing a payout of 260 percent, subject to shareholder approval at the upcoming Annual General Meeting. The dividend, if approved, will be credited within 30 days from the conclusion of the AGM, reflecting management’s confidence in the company’s financial strength and cash flow position.
From an industry perspective, India’s financial services and lending sector continues to witness strong credit demand supported by economic growth, rising retail lending, MSME financing, and improving financial inclusion. Companies with strong underwriting practices, diversified lending portfolios, and efficient liability management are benefiting from higher loan growth and improving profitability.
Overall, the Q4FY26 results indicate strong business momentum supported by healthy loan growth, rising interest income, and operating leverage. Going forward, asset quality trends, borrowing costs, and sustained credit growth will remain key factors influencing the company’s future performance.
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