Home First Finance Company India Ltd.

Financial

	Home First Finance	Aptus Value Housing	Aavas Financiers
Operational Metrics
Banking Sector
Net Interest Margin	4.9 %	12.94 %	7.54 %
Net NPA	1.3 %	n/a	n/a
NBFC
Cost of Borrowing	8.4 %	8.7 %	8.24 %
Gross NPA	1.7 %	1.28 %	1.14 %
AUM - NBFC	11949.4 Crs	10226.0 Crs	19238.0 Crs
Cost To Income Ratio	35.2 %	n/a	25.54 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	33.1 %	65.0 %	45.56 %
Yield On Advances	13.5 %	17.38 %	13.18 %
Financials
5 yr Average ROE	10.91 %	13.97 %	12.54 %
5yr average Equity Multiplier	3.73	2.2	3.96
5yr Average Asset Turnover Ratio	0.12	0.14	0.12
5yr Avg Net Profit Margin	25.48 %	44.03 %	26.41 %
5yr Avg Net Profit Margin	25.48 %	44.03 %	26.41 %
5yr CAGR Net Profit	30.9 %	23.73 %	14.53 %
5yr CAGR Sales	22.48 %	22.02 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.87	3.99	3.59
P/E	24.57	22.63	27.58
Shareholdings
Promoter Holding	14.31 %	52.98 %	26.47 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-19.31 %	-9.37 %	-12.74 %
Change in Mutual Fund Holding (3 Yrs)	11.58 %	7.26 %	17.63 %

Business

	Home First Finance	Aptus Value Housing	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 89.08 Net gain on derecognition of financial assets carried at fair value 2.71 Fee & Commission income 2.55 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Corporate 0 Retail 0 Others 5.66	Product Wise Break-Up Others 0.37 Corporate 0 Fees 3.31 Retail 0 Fee & Commission income 0 Interest Income 96.32 0	Product Wise Break-Up Net gain on fair value changes 0 Corporate 0.4 Fees & Commission Income 0 Retail 99.6 Fee & Commission income 0 Interest Income 0 0
Loan Break-Up	Loan Break-Up Loan Against Property 14.0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Home Loan 0 Mortgage loan 0 Others 86.0	Loan Break-Up Top Up Loans 2.0 Loan Against Property 0 Quasi HL 14.0 Insurance Loans 2.0 Mortgage loan 0 Housing Finance 61.0 Business Loan 20.0 Others 1.0	Loan Break-Up Top Up Loans 0 Loan Against Property 0 Quasi HL 0 Insurance Loans 0 Loan Against Property 13.0 Home loans 69.0 Business Loan 0 Others 18.0
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 13.7 Telangana 8.5 Karnataka 6.7 Andhra Pradesh 5.3 India 0 Others 65.8	Location Wise Break-Up Telangana 16.0 Karnataka 8.0 Andhra Pradesh 43.0 Tamil Nadu 33.0 India 0	Location Wise Break-Up Telangana 0 Karnataka 0 Andhra Pradesh 0 Tamil Nadu 0 India 100.0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Salaried 23.0 Self Emplyoed 0 Corporates and Others 0 Self Employed 77.0	Customer Segment Salaried 40.0 Self-Employed 60.0 Corporates and Others 0 Self Employed 0
Borrowings Break-Up	Borrowings Break-Up PSU Banks 32.0 Private Banks 28.0 NHB 16.0 DA 13.0 Co-lending 3.0 NCD 3.0 NBFC 2.0 Banks 0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Others 3.0	Borrowings Break-Up Assignment 0 NHB 18.0 Private Banks 0 NBFC 0 NCDs 0 DA 0 Co-lending 0 Banks 54.0 NHB Refinancing 0 Term Loans 0 NCD 15.0 PSU Banks 0 Others 13.0	Borrowings Break-Up Assignment 24.8 NHB 0 Private Banks 0 NBFC 0 NCD 9.0 DA 0 Co-lending 0 Banks 0 NHB 15.9 Loan From Banks 50.3 NCD 0 PSU Banks 0
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 <10lks 93.0 10-20 Lakhs 0 20-25 Lakhs 0 >25 Lakhs 0 <10 Lakhs 0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

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