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12 furtisments HELYTEL Home First Finance Company India Ltd. HDFC securities Click. Invest. Grow. YEARS Key Ratios Key Ratios FY19 FY20 FY21 FY22E FY23E FY19 FY20 FY21 FY22E FY23E Return Ratios Valuation Ratios Calc. Yield on adv 14.7% 15.2% 14.7% 14.8% 14.8% EPS 35.6 10.1 11.5 14.1 19.2 Calc. Cost of borr 6.6% 7.8% 7.2% 6.7% 6.6% P/E 16.7 58.7 51.8 42.2 30.9 NIM 7.4% 7.7% 7.8% 8.1% 8.3% Adj. BVPS 402.9 116.2 153.4 166.3 185.3 ROAE 10.6% 10.9% 8.7% 8.5% 10.6% P/ABV 1.5 5.1 3.9 3.6 3.2 ROAA 2.3% 2.7% 2.5% 2.5% 2.9% Dividend per share 0.0 0.0 0.0 0.0 0.0 Asset Quality Ratios Other Ratios GNPA 0.8% 1.0% 1.8% 1.9% 1.9% Cost-Income 49.8 45.2 38.2 34.9 31.3 NNPA 0.6% 0.8% 1.2% 1.2% 1.0% Avg Net worth/ Avg Total Assets 4.2 4.7 3.7 3.3 3.5 PCR 24.7% 25.7% 36.0% 37.5% 45.3% Growth Ratios Advances 63.1% 41.2% 10.4% 24.7% 23.4% Borrowings 88.8% 29.4% 22.4% 21.6% 21.4% NII 98.3% 56.1% 25.0% 22.9% 26.7% PPP 167.3% 70.7% 34.5% 28.3% 32.7% PAT 182.9% 75.3% 26.6% 22.8% 36.4% (Source: Company, HDFC sec) One Year Price Chart 650 600 550 500 450 400 350 03-Feb-21 17-Feb-21 03-Mar-21- 17-Mar-21 31-Mar-21- 14-Apr-21 28-Apr-21- 12-May-21 26-May-21- 09-Jun-21 23-Jun-21- 07-Jul-21 21-Jul-21- 04-Aug-21 18-Aug-21- 01-Sep-21 15-Sep-21- 29-Sep-21- FRETAILRES RETAILRESEARCH

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