Home First Finance Company India Ltd.

Financial

	Home First Finance	Aptus Value Housing	Aavas Financiers
Operational Metrics
Banking Sector
Net Interest Margin	5.1 %	12.96 %	7.64 %
Net NPA	1.3 %	n/a	n/a
NBFC
Cost of Borrowing	8.4 %	8.68 %	8.24 %
Gross NPA	1.7 %	1.19 %	1.08 %
AUM - NBFC	12712.7 Crs	10865.0 Crs	20420.2 Crs
Cost To Income Ratio	35.7 %	n/a	25.54 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	32.8 %	70.0 %	44.5 %
Yield On Advances	13.4 %	17.39 %	13.13 %
Financials
5 yr Average ROE	12.24 %	13.97 %	12.54 %
5yr average Equity Multiplier	3.95	2.2	3.96
5yr Average Asset Turnover Ratio	0.12	0.14	0.12
5yr Avg Net Profit Margin	26.48 %	44.03 %	26.41 %
5yr Avg Net Profit Margin	26.48 %	44.03 %	26.41 %
5yr CAGR Net Profit	30.71 %	23.73 %	14.53 %
5yr CAGR Sales	25.77 %	22.02 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	6.02	3.69	4.18
P/E	39.73	21.2	32.13
Shareholdings
Promoter Holding	14.25 %	52.98 %	26.47 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-19.35 %	-9.37 %	-12.73 %
Change in Mutual Fund Holding (3 Yrs)	13.37 %	7.63 %	3.47 %

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 Retail 0 Fee & Commission income 0 Interest Income 92.96 Others 0.54 0 Corporate 0 Fees 3.14 Others 3.36	Product Wise Break-Up Retail 99.6 Fee & Commission income 0 Interest Income 0 Net gain on fair value changes 0 0 Corporate 0.4 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 Housing Finance 60.0 Mortgage loan 0 Loan Against Property 0 Top Up Loans 3.0 Business Loan 20.0 Quasi HL 14.0 Insurance Loans 3.0	Loan Break-Up Home loans 68.0 Loan Against Property 13.0 Loan Against Property 0 Top Up Loans 0 Business Loan 0 Quasi HL 0 Insurance Loans 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 Andhra Pradesh 42.0 India 0 Tamil Nadu 33.0 Telangana 16.0 Karnataka 8.0 Others 1.0	Location Wise Break-Up Andhra Pradesh 0 India 100.0 Tamil Nadu 0 Telangana 0 Karnataka 0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Self Employed 78.0 Corporates and Others 0 Self Emplyoed 0 Salaried 22.0	Customer Segment Self Employed 0 Corporates and Others 0 Self-Employed 60.0 Salaried 40.0
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 Term Loans 0 Private Banks 0 Co-lending 0 NHB Refinancing 0 NBFC 0 NCD 15.0 NCDs 0 Assignment 0 PSU Banks 0 Banks 52.0 NHB 19.0 DA 0 Others 14.0	Borrowings Break-Up Loan From Banks 50.0 Private Banks 0 Co-lending 0 NHB 14.4 NBFC 0 NCD 0 NCD 9.5 Assignment 25.2 PSU Banks 0 Banks 0 NHB 0 DA 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 >25 Lakhs 0 20-25 Lakhs 0 <10lks 93.0 <10 Lakhs 0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

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