Home First Finance Company India Ltd.

Financial

	Home First Finance	Aptus Value Housing	Aavas Financiers
Operational Metrics
Banking Sector
Net Interest Margin	5.2 %	13.4 %	7.64 %
Net NPA	1.4 %	n/a	n/a
NBFC
Cost of Borrowing	8.4 %	8.6 %	8.24 %
Gross NPA	1.8 %	1.49 %	1.08 %
AUM - NBFC	13478.7 Crs	11267.0 Crs	20420.2 Crs
Cost To Income Ratio	34.2 %	n/a	25.54 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	49.6 %	70.0 %	44.5 %
Yield On Advances	13.4 %	17.4 %	13.13 %
Financials
5 yr Average ROE	12.24 %	14.98 %	12.54 %
5yr average Equity Multiplier	3.95	2.29	3.96
5yr Average Asset Turnover Ratio	0.12	0.15	0.12
5yr Avg Net Profit Margin	26.48 %	44.18 %	26.41 %
5yr Avg Net Profit Margin	26.48 %	44.18 %	26.41 %
5yr CAGR Net Profit	30.71 %	22.99 %	14.53 %
5yr CAGR Sales	25.77 %	22.26 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.91	3.92	3.53
P/E	29.93	21.17	27.11
Shareholdings
Promoter Holding	12.43 %	40.37 %	48.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-21.15 %	-21.98 %	9.77 %
Change in Mutual Fund Holding (3 Yrs)	13.33 %	13.31 %	3.71 %

Business

	Home First Finance	Aptus Value Housing	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 87.52 Fee & Commission income 4.17 Net gain on derecognition of financial assets carried at fair value 0.74 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Corporate 0 Retail 0 Others 7.57	Product Wise Break-Up Interest Income 90.25 0 Others 1.09 Corporate 0 Fee & Commission income 0 Retail 0 Fees 2.59 Others 6.07	Product Wise Break-Up Interest Income 0 0 Net gain on fair value changes 0 Corporate 0.4 Fee & Commission income 0 Retail 99.6 Fees & Commission Income 0
Loan Break-Up	Loan Break-Up Loan Against Property 15.0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Home Loan 0 Mortgage loan 0 Others 85.0	Loan Break-Up Quasi HL 14.0 Top Up Loans 3.0 Mortgage loan 0 Insurance Loans 3.0 Loan Against Property 0 Business Loan 19.0 Housing Finance 61.0	Loan Break-Up Quasi HL 0 Top Up Loans 0 Loan Against Property 13.0 Insurance Loans 0 Loan Against Property 0 Business Loan 0 Home loans 68.0 Others 19.0
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 13.0 Telangana 8.5 Andhra Pradesh 5.5 Karnataka 0 India 0 Others 73.0	Location Wise Break-Up India 0 Karnataka 7.63 Tamil Nadu 32.86 Telangana 16.33 Andhra Pradesh 42.58 Others 0.6	Location Wise Break-Up India 100.0 Karnataka 0 Tamil Nadu 0 Telangana 0 Andhra Pradesh 0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Salaried 22.0 Corporates and Others 0 Self Emplyoed 0 Self Employed 78.0	Customer Segment Salaried 40.0 Corporates and Others 0 Self-Employed 60.0 Self Employed 0
Borrowings Break-Up	Borrowings Break-Up PSU Banks 34.0 Private Banks 26.0 NHB 16.0 DA 14.0 Co-lending 3.0 NCD 3.0 NBFC 2.0 Banks 0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Others 2.0	Borrowings Break-Up Banks 51.6 NHB Refinancing 0 Private Banks 0 PSU Banks 0 NCD 20.5 DA 0 Assignment 0 NBFC 0 NCDs 0 Term Loans 0 NHB 13.9 Co-lending 0 Others 14.0	Borrowings Break-Up Banks 0 NHB 14.4 Private Banks 0 PSU Banks 0 NCD 0 DA 0 Assignment 25.2 NBFC 0 NCD 9.5 Loan From Banks 50.0 NHB 0 Co-lending 0 Others 0.9
Ticket Size	Ticket Size >25 Lakhs 14.0 20-25 Lakhs 12.0 10-20 Lakhs 0 <10 Lakhs 0 <10lks 0 Others 74.0	Ticket Size 10-20 Lakhs 0 20-25 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 <10lks 93.0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

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