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Definitive Analysis

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Home First Finance Company India Limited (HOMEFIRST.BO)

Company Dividend Discount ModelIndustry: Financial - MortgagesSector: Financial Services

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%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS0.00%0.00%3.082.340.000.000.000.000.000.000.020.01
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
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)905.63566.02339.61
Cash Retained (M)4,528.064,528.064,528.06
(-) Cash Required (M)-905.63-566.02-339.61
(=) Excess Retained (M)3,622.433,962.044,188.45
(/) Shares Outstanding (M)97.9297.9297.92
(=) Excess Retained per Share37.0040.4642.78
LTM Dividend per Share0.000.000.00
(+) Excess Retained per Share37.0040.4642.78
(=) Adjusted Dividend37.0040.4642.78
WACC / Discount Rate5.21%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)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)4,528.134,482.854,438.024,393.644,349.704,306.214,435.39
Payout Ratio0.00%18.00%36.00%54.00%72.00%90.00%92.50%
Projected Dividends (M)0.07806.971,597.732,372.593,131.803,875.594,102.74

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate5.21%5.21%5.21%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)759.23766.98774.73
Year 2 PV (M)1,414.301,443.311,472.61
Year 3 PV (M)1,975.972,037.082,099.43
Year 4 PV (M)2,453.982,555.682,660.52
Year 5 PV (M)2,857.153,005.933,160.84
PV of Terminal Value (M)136,639.68143,754.83151,163.33
Equity Value (M)146,100.31153,563.81161,331.47
Shares Outstanding (M)97.9297.9297.92
Fair Value$1,492.11$1,568.33$1,647.66
Upside / Downside22.71%28.97%35.50%

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