Can Fin Homes Ltd logo

Can Fin Homes Ltd

CANFINHOME NSE

Key Fundamentals

MicrocapHousing FinanceFinancial Services
Market Cap
₹10,719 Cr
Volatility
Moderate
P/E Ratio
9.47
EBITDA
₹3,884 Cr
Return on Equity
18.16%
Debt to Equity
6.66
Book Value
₹449.13
EPS
₹57.59
52W High
₹971.5
52W Low
₹708.6

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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38 extracted metrics + investor summaries across FY12–FY26.

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Tapetide Score

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Technical Indicators

Key Insights

Strengths

1
  • Company has delivered good profit growth of 18.9% CAGR over last 5 years

Weaknesses

2
  • Company has low interest coverage ratio.
  • Company might be capitalizing the interest cost

Growth Rate

Revenue Growth
8.73% ↗
Net Income Growth
26.67% ↗
Cash Flow Change
-29.03% ↘
ROE
7.33% ↗
ROCE
-8.55% ↘
EBITDA Margin (Avg.)
-0.20% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 45d ago
AI opinion · based on fundamentals
Risk medium

Can Fin Homes is a mid-cap housing finance company with a market cap of ₹12,367 Cr, trading at a PE of 11.2x with consistent ROE of ~19-20% over the past decade. The company reported FY25 PAT of ₹857 Cr (+14% YoY) on a loan book of ₹38,217 Cr, and has since grown its loan book to ₹42,209 Cr in FY26 with record PAT of ₹1,086 Cr, while maintaining gross NPA at sub-1% levels.

Bull Case 8
  • Consistent profit compounding at 21% CAGR over 10 years and 20% CAGR over 3 years, with FY26 record PAT of ₹1,086 Cr representing ~27% YoY growth
  • Stable and high ROE of 19-20% maintained consistently over 3, 5, and 10-year periods, indicating efficient capital deployment
  • Attractive valuation at PE of 11.2x despite consistent double-digit profit growth — significantly cheaper than many housing finance peers
  • Excellent asset quality with gross NPA improving to 0.85% and net NPA to 0.37% in FY26, with provision coverage ratio at 73% plus management overlay
  • Strong capital adequacy with CRAR at 23.15%, well above regulatory requirements, providing buffer for growth
  • Healthy NIM of ~3.73-3.75% with management guiding spread of 2.75% for FY26, supported by declining cost of funds
  • Operational efficiency reflected in cost-to-income ratio of ~17%, among the lowest in the housing finance sector
  • Clear growth runway with FY27 guidance of 14% AUM growth and ₹13,000 Cr disbursement target, supported by branch expansion from current network to 300 branches by FY28
Bear Case 8
  • Loan book growth decelerated to 9% YoY in FY25 versus 18% in FY23, indicating potential market share pressure from larger peers
  • Low interest coverage ratio flagged as a structural concern for a leveraged housing finance business operating on thin spreads
  • Potential capitalisation of interest costs raises questions about reported profitability quality and actual earnings
  • Revenue growth slowed to 9% TTM compared to 15-16% CAGR over 3-5 year periods, suggesting momentum loss
  • Stock CAGR of only 5% over 3 years despite 20% profit CAGR indicates PE de-rating and market skepticism
  • Dividend yield of 1.64% is modest and PB ratio of 2.04x limits margin of safety if ROE compresses
  • High prepayment rates constraining net AUM growth despite disbursement increases — FY26 AUM grew only 10.4% versus 22-23% disbursement growth
  • IT transformation underway expected to increase cost-to-income ratio in the near term, potentially compressing margins

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 39d ago
Headwinds 1
  • RBI penalty for non-compliance Jun 20

    RBI imposed ₹2.70 lakh penalty on Can Fin Homes for non-compliance with Fair Practices Code regarding instalment bifurcation. Corrective measures implemented effective April 1, 2026.

Positives 2
  • Strong FY26 financials reported Jul 6

    FY26 highlights include PAT of ₹1,085.75 crore, loan book of ₹42,209 crore, and Gross NPA at a healthy 0.85%. 39th AGM scheduled for July 29, 2026.

  • ₹8 per share final dividend Jun 19

    Can Fin Homes fixed July 3, 2026 as record date for a final dividend of ₹8.00 per share, signalling confidence in earnings sustainability.

Neutral 2
  • Q1FY27 earnings call July 20 Jul 14

    Can Fin Homes will host Q1 FY27 earnings call on July 20, 2026. MD & CEO Suresh S Iyer and management team will discuss unaudited results.

  • New DMD appointed via RBI nod Jul 3

    Shailesh Kumar Singh appointed as Deputy Managing Director effective July 3, 2026, following RBI approval for a three-year term.

TL;DR: Can Fin Homes delivered a solid FY26 with PAT of ₹1,085.75 crore, a ₹42,209 crore loan book, and well-controlled asset quality at 0.85% GNPA. The RBI penalty of ₹2.70 lakh is negligible and already remediated. Dividend of ₹8/share and new leadership appointment reflect stable governance. Focus shifts to Q1FY27 results on July 20 for signs of continued growth momentum.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
824
871
901
927
931
962
986
999
1,020
1,049
1,073
1,074
1,096
Expenses
54
122
77
70
71
70
78
82
91
75
85
83
96
Financing Profit
236
201
258
273
258
277
272
282
281
336
345
356
341
Fin. Margin %
29%
23%
29%
29%
28%
29%
28%
28%
28%
32%
32%
33%
31%
Other Income
0
0
1
1
0
0
0
1
0
0
0
2
0
Interest
533
548
566
584
603
616
636
634
648
639
642
634
659
Depreciation
3
3
3
4
3
3
3
4
3
4
4
5
3
PBT
234
198
256
270
255
274
269
279
278
332
341
353
339
Tax %
22%
20%
22%
23%
22%
23%
21%
16%
19%
24%
22%
2%
21%
Net Profit
183
158
200
209
200
211
212
234
224
251
265
346
268
EPS in Rs
13.78
11.87
15.03
15.7
14.99
15.88
15.93
17.57
16.81
18.88
19.89
25.96
20.11
Gross NPA %
0.63%
0.76%
0.91%
0.82%
0.91%
0.88%
0.92%
0.87%
0.98%
0.94%
0.92%
0.85%
0.87%
Net NPA %
0.34%
0.43%
0.49%
0.42%
0.49%
0.47%
0.5%
0.46%
0.54%
0.5%
0.49%
0.37%
0.42%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
816
1,083
1,353
1,518
1,727
2,030
2,018
1,988
2,742
3,523
3,879
4,217
4,292
Expenses
65
83
95
107
89
158
182
189
205
323
301
334
339
Financing Profit
140
257
373
430
468
528
627
644
835
969
1,090
1,319
1,378
Fin. Margin %
17%
24%
28%
28%
27%
26%
31%
32%
30%
28%
28%
31%
32%
Other Income
1
1
1
4
4
0
0
1
1
1
0
1
2
Interest
611
744
884
981
1,170
1,345
1,209
1,155
1,702
2,232
2,488
2,564
2,574
Depreciation
4
3
4
3
3
9
10
10
12
13
13
17
16
PBT
137
254
370
431
470
518
618
635
824
958
1,077
1,304
1,364
Tax %
37%
38%
36%
34%
37%
27%
26%
26%
25%
22%
20%
17%
—
Net Profit
86
157
235
286
297
376
456
471
621
751
857
1,086
1,130
EPS in Rs
6.48
11.8
17.68
21.49
22.29
28.25
34.25
35.38
46.65
56.38
64.37
81.54
84.84
Div. Payout %
22%
17%
11%
9%
9%
7%
6%
8%
8%
11%
19%
18%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
27
27
27
27
27
27
27
27
27
27
27
27
Reserves
745
852
1,050
1,460
1,756
2,123
2,583
3,040
3,621
4,317
5,041
5,954
Borrowing
7,375
9,444
11,872
13,921
16,880
18,748
19,293
24,648
29,068
31,863
35,289
38,258
Other Liabilities
188
433
430
322
67
145
171
230
355
395
158
143
Total Liabilities
8,334
10,756
13,379
15,730
18,729
21,044
22,074
27,944
33,070
36,602
40,514
44,381
Fixed Assets
9
9
10
10
10
38
38
35
45
53
49
50
CWIP
0
0
0
0
0
0
0
0
0
0
1
60
Investments
15
15
16
16
16
24
50
1,126
1,459
1,459
2,345
2,143
Other Assets
8,310
10,732
13,352
15,704
18,703
20,981
21,986
26,784
31,566
35,090
38,119
42,128
Total Assets
8,334
10,756
13,379
15,730
18,729
21,044
22,074
27,944
33,070
36,602
40,514
44,381
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
53
382
-2,356
-2,018
-2,335
-1,842
-851
-3,916
-4,044
-2,570
-2,255
-2,910
Investing
-4
-11
-7
-2
-4
-13
-28
-1,380
-327
-170
-785
124
Financing
-55
-371
2,363
2,019
2,739
1,826
508
5,299
4,370
2,738
3,040
2,787
Net Cash Flow
-6
0
0
-1
401
-29
-372
2
-1
-1
0
0
Free Cash Flow
48
379
-2,360
-2,021
-2,338
-1,846
-854
-3,920
-4,053
-2,589
-2,272
-2,987
CFO/OP
13
46
-178
-133
-133
-92
-39
-210
-153
-74
-57
-68
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
14%
19%
24%
22%
18%
19%
19%
17%
18%
19%
18%
20%

Shareholding Pattern

As of Jun 2026
Promoters 29.99%
DIIs 24.53%
Public 18.72%
Others 13.53%
FIIs 13.23%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
29.99%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
11.36%
0.00%
11.51%
11.54%
11.68%
11.41%
12.14%
12.11%
12.52%
13.24%
13.37%
13.23%
DIIs
17.38%
17.31%
21.65%
21.33%
23.69%
23.83%
22.37%
23.52%
24.97%
27.97%
27.42%
28.19%
27.89%
27.78%
27.51%
28.14%
24.66%
24.53%
23.88%
24.70%
24.61%
24.53%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
20.87%
22.97%
22.96%
23.98%
22.29%
21.40%
23.11%
22.52%
21.21%
18.68%
18.60%
18.07%
18.18%
18.20%
18.07%
18.11%
19.52%
19.54%
19.42%
18.24%
18.37%
18.72%
Others
31.76%
29.73%
25.40%
24.70%
24.03%
24.78%
24.54%
23.97%
23.83%
23.37%
12.63%
23.75%
12.43%
12.50%
12.75%
12.35%
13.69%
13.83%
14.19%
13.82%
13.66%
13.53%
No. of Shareholders
68,590
83,304
84,638
1,00,338
95,547
1,00,358
1,18,386
1,18,718
1,03,827
89,487
94,582
92,795
96,918
98,256
1,06,559
1,11,718
1,09,340
98,637
94,300
85,620
93,995
90,611

Documents

Frequently Asked Questions about Can Fin Homes Ltd

What does Can Fin Homes Ltd do?
Can Fin Homes Ltd. is a deposit-taking housing finance company (HFC) registered with National Housing Bank (NHB).Canara Bank holds 29.99% stake in the company. It primarily provides relatively smaller ticket-sized housing loans to salaried & professional and self-employed non-professional (SENP) ...
Where is Can Fin Homes Ltd (CANFINHOME) listed?
Can Fin Homes Ltd is listed on the Indian stock exchanges. It is listed on NSE: CANFINHOME and BSE: 511196. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Can Fin Homes Ltd belong to?
Can Fin Homes Ltd operates in the Financial Services sector within the Housing Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Can Fin Homes Ltd?
Can Fin Homes Ltd has a market capitalisation of approximately ₹10718.94 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Can Fin Homes Ltd?
The Price-to-Earnings (PE) ratio of Can Fin Homes Ltd is 9.47. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Can Fin Homes Ltd?
Over the past 52 weeks, Can Fin Homes Ltd has traded between a low of ₹708.6 and a high of ₹971.5. This range helps investors understand the stock's price volatility and recent trading levels.
Does Can Fin Homes Ltd pay dividends?
Yes, Can Fin Homes Ltd has a dividend yield of 1.85%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Can Fin Homes Ltd?
Can Fin Homes Ltd has a Return on Equity (ROE) of 18.16%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Can Fin Homes Ltd on Tapetide?
On Tapetide, you can view Can Fin Homes Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Can Fin Homes Ltd. is a deposit-taking housing finance company (HFC) registered with National Housing Bank (NHB).Canara Bank holds 29.99% stake in the company. It primarily provides relatively smaller ticket-sized housing loans to salaried & professional and self-employed non-professional (SENP) borrowers.[1]

Website canfinhomes.com
CEO Mr. Suresh Srinivasan Iyer
Employees 1,108
Listed 1995-05-10
Face Value ₹ 2
Issued Size 13,31,54,125

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