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STOCK COMPARISON

Home First Finance Company India vs Fmcct: Fair Value & Quality

Both stocks run through our valuation models. Here is how Home First Finance Company India (HOMEFIRST) and Fmcct (FMCCT) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Home First Finance Company India trades at ₹1,177 versus a fair value of ₹387 (-67%), while Fmcct trades at $15.00 versus $29.24 (+95%).
Home First Finance Company India
HOMEFIRST.NSE · INR · Financials
-67%
upside to fair value
overvalued
Price₹1,177
Fair Value₹387
Quality50/100
Fmcct
FMCCT · USD · Financials
+95%
upside to fair value
undervalued
Price$15.00
Fair Value$29.24
Quality53/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Home First Finance Company IndiaFmcct
Valuation
22.8×P/E (TTM)242.6×
11.86×P/S (TTM)—
2.88×P/B—
30.7×EV/EBITDA—
0.4%Dividend yield—
₹5.20Dividend per share—
Profitability
51%Net margin50%
67%Operating margin69%
16%Return on equity17%
4%Return on assets0%
Growth
31%Revenue growth (YoY)16%
40.5%Avg. growth/yr (3Y)92.6%
36.4%Avg. growth/yr (5Y)43.0%
Balance & size
2.43×Debt / equity47.84×
$1BMarket cap$59B
healthyGrowth qualitymixed

Home First Finance Company India leads: 5 to 4 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Home First Finance Company Indiaof which business quality 49 · market factors 51 Fmcctof which business quality 49 · market factors 12
ProfitabilityMargins and returns on capital today
40
36
Quality GrowthAre margins and returns improving?
66
29
CashflowEarnings quality: real cash, not paper profit
86
97
Fin. StrengthBalance sheet, leverage, solvency risk
38
0
InvestmentDisciplined investing over empire-building
33
62
Low VolatilityCalm price path (market factor)
75
29
MomentumPrice trend over the last 3–12 months (market factor)
44
7
52W MomentumDistance to the 52-week high (market factor)
37
0
Net IssuanceBuybacks instead of dilution
16
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Home First Finance Company India

DCF Models₹609
Earnings-Based₹2,131
Dividend Discount₹64.25
Multiples₹628
Asset-Based₹279
Growth DCF₹934
Economic Profit₹480

10 of 12 models see the stock below the current price.

Fmcct

Earnings-Based$137
Multiples$36.95
Asset-Based$14.64
Economic Profit$29.54

1 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Home First Finance Company India
Bear ₹316Fair Value ₹387Bull ₹753
₹1,177 = current price (white tick)
Fmcct
Bear $21.93Fair Value $29.24Bull $36.54
$15.00 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Home First Finance Company India · Financials

Quality score50 · below median
Fair value upside-67% · bottom 25%

Fmcct · Financials

Quality score53 · below median
Fair value upside+95% · Top 25%

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Home First Finance Company India trades at ₹1,177 versus a fair value of ₹387 (-67%), while Fmcct trades at $15.00 versus $29.24 (+95%).

Fmcct has the higher quality score (53/100).

See the full analysis →
Home First Finance Company India · Fmcct

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.