Home First Finance [HOMEFIRST] vs LIC Housing Finance [LICHSGFIN] Detailed Stock Comparison

Home First Finance Company India Ltd.

NSE
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LIC Housing Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Home First Finance Company India Ltd. wins in 6 metrics, LIC Housing Finance Ltd. wins in 12 metrics, with 0 ties. LIC Housing Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Home First Finance Company India Ltd. LIC Housing Finance Ltd. Better
P/E Ratio (TTM) 23.48 5.61 LIC Housing Finance Ltd.
Price-to-Book Ratio 2.96 0.80 LIC Housing Finance Ltd.
Debt-to-Equity Ratio 240.45 679.25 Home First Finance Company India Ltd.
PEG Ratio 0.77 1.06 Home First Finance Company India Ltd.
EV/EBITDA 44.96 N/A N/A
Profit Margin (TTM) 50.24% 65.14% LIC Housing Finance Ltd.
Operating Margin (TTM) 66.57% 83.10% LIC Housing Finance Ltd.
EBITDA Margin (TTM) 66.57% 83.10% LIC Housing Finance Ltd.
Return on Equity 15.15% 14.97% Home First Finance Company India Ltd.
Return on Assets (TTM) 3.13% 1.73% Home First Finance Company India Ltd.
Free Cash Flow (TTM) $-22.10B $-166.83B Home First Finance Company India Ltd.
Dividend Yield 0.29% 3.29% LIC Housing Finance Ltd.
1-Year Return -12.51% -6.75% LIC Housing Finance Ltd.
Price-to-Sales Ratio (TTM) 12.16 3.65 LIC Housing Finance Ltd.
Enterprise Value $202.56B $2,916.72B LIC Housing Finance Ltd.
EV/Revenue Ratio 20.53 34.64 Home First Finance Company India Ltd.
Gross Profit Margin (TTM) 42.60% N/A N/A
Revenue per Share (TTM) $99 $153 LIC Housing Finance Ltd.
Earnings per Share (Diluted) $48.96 $99.69 LIC Housing Finance Ltd.
Beta (Stock Volatility) 0.46 0.24 LIC Housing Finance Ltd.

Home First Finance Company India Ltd. vs LIC Housing Finance Ltd. Stock Performance Analysis

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HOMEFIRST
LICHSGFIN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Home First Finance Company India Ltd.0.56%6.57%3.69%12.77%-6.10%1.34%
LIC Housing Finance Ltd.-1.01%2.38%1.24%10.44%4.21%3.36%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Home First Finance Company India Ltd.-12.51%33.93%105.12%102.46%102.46%102.46%
LIC Housing Finance Ltd.-6.75%44.80%19.07%17.88%144.59%1,735.63%

Performance & Financial Health Analysis: Home First Finance Company India Ltd. vs LIC Housing Finance Ltd.

MetricHOMEFIRSTLICHSGFIN
Market Information
Market Cap i₹119.96B₹300.09B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i217,1011,706,876
90 Day Avg. Volume i316,2162,012,803
Last Close₹1,115.50₹553.85
52 Week Range₹893.70 - ₹1,519.00₹458.90 - ₹646.50
% from 52W High-26.56%-14.33%
All-Time High₹1,519.00 (Jul 25, 2025)₹826.75 (Jul 15, 2024)
% from All-Time High-26.56%-33.01%
Growth Metrics
Quarterly Revenue Growth0.35%-0.02%
Quarterly Earnings Growth0.44%-0.03%
Financial Health
Profit Margin (TTM) i0.50%0.65%
Operating Margin (TTM) i0.67%0.83%
Return on Equity (TTM) i0.15%0.15%
Debt to Equity (MRQ) i240.45679.25
Cash & Liquidity
Book Value per Share (MRQ)₹388.51₹700.24
Cash per Share (MRQ)₹126.92₹19.29
Operating Cash Flow (TTM) i₹-26,273,000,000₹-14,103,100,000
Levered Free Cash Flow (TTM) i₹3.82B₹54.42B
Dividends
Last 12-Month Dividend Yield i0.29%3.29%
Last 12-Month Dividend i₹3.70₹19.00

Valuation & Enterprise Metrics Analysis: Home First Finance Company India Ltd. vs LIC Housing Finance Ltd.

MetricHOMEFIRST (Apr 24, 2026)LICHSGFIN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i23.485.61
Forward P/E i18.075.42
PEG Ratio i0.771.06
Price to Sales (TTM) i12.163.65
Price to Book (MRQ) i2.960.80
Market Capitalization
Market Capitalization i₹119.96B₹300.09B
Enterprise Value i₹202.56B₹2.92T
Enterprise Value Metrics
Enterprise to Revenue i20.5334.64
Enterprise to EBITDA i44.96N/A
Risk & Other Metrics
Beta i0.460.24
Book Value per Share (MRQ) i₹388.51₹700.24

Financial Statements Comparison: Home First Finance Company India Ltd. vs LIC Housing Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHOMEFIRST (2025)LICHSGFIN (2025)
Revenue/Sales i13.25B81.95B
Cost of Goods Sold i8.38BN/A
COGS % of Revenue i63.2%0.0%
Gross Profit i4.88BN/A
Gross Margin i36.8%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i3.55BN/A
Operating Margin i26.8%0.0%
EBITDA i4.51BN/A
EBITDA Margin i34.0%0.0%
Pre-Tax Income i5.02B68.79B
Pre-Tax Income % of Revenue i37.8%83.9%
Income Tax i1.20B14.36B
Income Tax % of Revenue i9.0%17.5%
Net Income (Profit) i3.82B54.43B
Profit Margin i28.8%66.4%

Balance Sheet & Liquidity Metrics

MetricHOMEFIRST (2025)LICHSGFIN (2025)
Cash & Equivalents i5.99B14.38B
Total Current Assets i115.93BN/A
Total Current Assets % of Revenue i874.6%0.0%
Total Current Liabilities i1.05BN/A
Total Current Liabilities % of Revenue i7.9%0.0%
Long-Term Debt i95.51B2.63T
Long-Term Debt % of Revenue i720.6%3,203.7%
Total Shareholders Equity i25.21B363.56B
Retained Earnings i10.31B99.87B
Retained Earnings % of Revenue i77.8%121.9%
Property, Plant & Equipment i447.05M4.04B

Cash Flow Statement Comparison

MetricHOMEFIRST (2025)LICHSGFIN (2025)
Operating Cash Flow i-26.27B-14.10B
Operating Cash Flow % of Revenue i-198.2%-17.2%
Capital Expenditures i-117.81M-732.50M
Free Cash Flow i-22.10B-166.83B
FCF Margin i-166.8%-203.6%
Debt Repayment i-18.72B-1.53T
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricHOMEFIRSTLICHSGFIN
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i104.33M550.06M
Float Shares i99.15M299.74M
% Held by Insiders i14.74%2.35%
% Held by Institutions i70.79%75.03%
% Held by Public i14.47%22.62%

Dividend Analysis & Yield Comparison: Home First Finance Company India Ltd. vs LIC Housing Finance Ltd.

MetricHOMEFIRSTLICHSGFIN
Last 12-Month Dividend i₹3.70₹19.00
Last 12-Month Dividend Yield i0.29%3.29%
3-Year Avg Annual Dividend i₹3.23₹14.83
3-Year Avg Dividend Yield i0.33%1.86%
3-Year Total Dividends i₹9.70₹44.50
Ex-Dividend DateMay 30, 2025Aug 22, 2025