DDM Analysis: HOMEFIRST.BO

Valuation Snapshot

Stable Growth	$502.61 - $820.49	$644.72
Multi-Stage	$1,492.11 - $1,647.66	$1,568.33
Blended Fair Value	$1,106.52
Current Price	$1,216.00
Upside	-9.00%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	0.00%	0.00%	3.08	2.34	0.00	0.00	0.00	0.00	0.00	0.00	0.02	0.01
YoY Growth	-	-	31.56%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-100.00%	218.11%	0.00%
Dividend Yield	-	-	0.22%	0.21%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4,528.13
(-) Cash Dividends Paid (M)	0.07
(=) Cash Retained (M)	4,528.06

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	905.63	566.02	339.61
Cash Retained (M)	4,528.06	4,528.06	4,528.06
(-) Cash Required (M)	-905.63	-566.02	-339.61
(=) Excess Retained (M)	3,622.43	3,962.04	4,188.45
(/) Shares Outstanding (M)	97.92	97.92	97.92
(=) Excess Retained per Share	37.00	40.46	42.78
LTM Dividend per Share	0.00	0.00	0.00
(+) Excess Retained per Share	37.00	40.46	42.78
(=) Adjusted Dividend	37.00	40.46	42.78
WACC / Discount Rate	5.21%	5.21%	5.21%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$502.61	$644.72	$820.49
Upside / Downside	-58.67%	-46.98%	-32.53%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4,528.13	4,482.85	4,438.02	4,393.64	4,349.70	4,306.21	4,435.39
Payout Ratio	0.00%	18.00%	36.00%	54.00%	72.00%	90.00%	92.50%
Projected Dividends (M)	0.07	806.97	1,597.73	2,372.59	3,131.80	3,875.59	4,102.74

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	5.21%	5.21%	5.21%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	759.23	766.98	774.73
Year 2 PV (M)	1,414.30	1,443.31	1,472.61
Year 3 PV (M)	1,975.97	2,037.08	2,099.43
Year 4 PV (M)	2,453.98	2,555.68	2,660.52
Year 5 PV (M)	2,857.15	3,005.93	3,160.84
PV of Terminal Value (M)	136,639.68	143,754.83	151,163.33
Equity Value (M)	146,100.31	153,563.81	161,331.47
Shares Outstanding (M)	97.92	97.92	97.92
Fair Value	$1,492.11	$1,568.33	$1,647.66
Upside / Downside	22.71%	28.97%	35.50%

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Home First Finance Company India Limited (HOMEFIRST.BO)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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