Home First Finance (HomeFirst) reported PAT growth of 9% QoQ / 33% YoY at Rs640mn in Q4FY23, translating into 3.9% RoA and 14.4% RoE. Earnings were driven by robust 7% QoQ / 34% YoY AUM growth, 11% QoQ / 38% YoY PPoP growth and by containing credit cost at 40bps during the quarter.