What was Home First Finance's revenue in Q4 FY26?

Home First Finance reported revenue of ₹505 Cr in Q4 FY26, a +21.3% change year-over-year.

Did Home First Finance management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

Home First Finance Q4 FY26 Research Workspace: Revenue ₹505 Cr (+21.3%)

Q: What guidance did Home First Finance management give?

AUM growth of ~25% YoY in FY27: Management guided for approximately 25% year-on-year AUM growth in FY27, driven by strong exit momentum and rebuilt distribution.

Revenue ₹505 Cr +21.3%

EBITDA —

PAT ₹149 Cr +42.7%

EBITDA Margin —

Duration 66 min

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2-Minute Summary

✦ AI-Generated from Full Transcript

Home First Finance delivered a strong Q4 FY26 with record disbursements of ₹1,572 crore (+23.5% YoY) and PAT of ₹149 crore (+42.7% YoY). AUM grew 24.9% YoY to ₹15,878 crore, driven by improved distribution, rebuilt teams, and strong momentum in Mumbai/Pune. Asset quality improved notably: 30+ DPD fell to 3.2% (down 50bps QoQ) and GNPA to 1.8%. Management guided for ~25% AUM growth in FY27, with credit costs maintained at 30-40bps. Spread guidance remains 5-5.25%. Key risk: potential demand disruption from the Middle East conflict, though no impact seen yet.

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Risk Intelligence

Middle East conflict impact on demand

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Quarter Snapshot

AUM ₹15,878 crore

+24.9% YoY

Assets under management grew to ₹15,878 crore as of March 2026.

Disbursements (Q4) ₹1,572 crore

+23.5% YoY

Highest ever quarterly disbursements, up 23.5% YoY and 19.3% QoQ.

30+ DPD 3.2%

-50bps QoQ

Early delinquency improved 50 basis points sequentially to 3.2%.

Co-lending disbursements (FY26) ₹370 crore

+142% YoY

Co-lending disbursements doubled from ₹153 crore in FY25 to ₹370 crore in FY26.

Fast read

Guidance and risk preview

Top guidance AUM growth of ~25% YoY in FY27

Management guided for approximately 25% year-on-year AUM growth in FY27, driven by strong exit momentum and rebuilt distribution.

Top risk Middle East conflict impact on demand

Management stated no visible impact yet, but the ongoing war in the Middle East could affect customer down payment capabilities and demand.