Can Fin Homes Ltd
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]
- Market Cap ₹ 9,858 Cr.
- Current Price ₹ 740
- High / Low ₹ 952 / 558
- Stock P/E 11.2
- Book Value ₹ 381
- Dividend Yield 1.62 %
- ROCE 9.34 %
- ROE 18.2 %
- Face Value ₹ 2.00
Pros
Cons
- Company has low interest coverage ratio.
- Promoter holding is low: 30.0%
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Finance Housing Finance Company
Part of BSE 500 Nifty 500 BSE SmallCap BSE Allcap BSE Financial Services
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
578 | 816 | 1,083 | 1,353 | 1,518 | 1,727 | 2,030 | 2,018 | 1,988 | 2,742 | 3,523 | 3,879 | 3,968 | |
Interest | 423 | 611 | 744 | 884 | 981 | 1,170 | 1,345 | 1,209 | 1,155 | 1,702 | 2,232 | 2,488 | 2,534 |
46 | 65 | 83 | 95 | 107 | 89 | 158 | 182 | 189 | 205 | 323 | 301 | 321 | |
Financing Profit | 109 | 140 | 257 | 373 | 430 | 468 | 528 | 627 | 644 | 835 | 969 | 1,089 | 1,112 |
Financing Margin % | 19% | 17% | 24% | 28% | 28% | 27% | 26% | 31% | 32% | 30% | 28% | 28% | 28% |
0 | 1 | 1 | 1 | 4 | 4 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | |
Depreciation | 2 | 4 | 3 | 4 | 3 | 3 | 9 | 10 | 10 | 12 | 13 | 13 | 14 |
Profit before tax | 107 | 137 | 254 | 370 | 431 | 470 | 518 | 618 | 635 | 824 | 958 | 1,077 | 1,100 |
Tax % | 29% | 37% | 38% | 36% | 34% | 37% | 27% | 26% | 26% | 25% | 22% | 20% | |
76 | 86 | 157 | 235 | 286 | 297 | 376 | 456 | 471 | 621 | 751 | 857 | 881 | |
EPS in Rs | 5.69 | 6.48 | 11.80 | 17.68 | 21.49 | 22.29 | 28.25 | 34.25 | 35.38 | 46.65 | 56.38 | 64.37 | 66.19 |
Dividend Payout % | 18% | 22% | 17% | 11% | 9% | 9% | 7% | 6% | 8% | 8% | 11% | 19% |
Compounded Sales Growth | |
---|---|
10 Years: | 17% |
5 Years: | 14% |
3 Years: | 25% |
TTM: | 9% |
Compounded Profit Growth | |
---|---|
10 Years: | 26% |
5 Years: | 18% |
3 Years: | 22% |
TTM: | 15% |
Stock Price CAGR | |
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10 Years: | 17% |
5 Years: | 15% |
3 Years: | 7% |
1 Year: | -12% |
Return on Equity | |
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10 Years: | 19% |
5 Years: | 18% |
3 Years: | 18% |
Last Year: | 18% |
Balance Sheet
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 20 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 | 27 |
Reserves | 432 | 745 | 852 | 1,050 | 1,460 | 1,756 | 2,123 | 2,583 | 3,040 | 3,621 | 4,317 | 5,041 |
Borrowing | 5,269 | 7,375 | 9,444 | 11,872 | 13,921 | 16,880 | 18,748 | 19,293 | 24,648 | 29,068 | 31,863 | 35,051 |
191 | 188 | 433 | 430 | 322 | 67 | 145 | 171 | 230 | 355 | 807 | 849 | |
Total Liabilities | 5,912 | 8,334 | 10,756 | 13,379 | 15,730 | 18,729 | 21,044 | 22,074 | 27,944 | 33,070 | 37,014 | 40,967 |
8 | 9 | 9 | 10 | 10 | 10 | 38 | 38 | 35 | 45 | 53 | 49 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
Investments | 15 | 15 | 15 | 16 | 16 | 16 | 24 | 50 | 1,126 | 1,459 | 1,459 | 2,374 |
5,889 | 8,310 | 10,732 | 13,352 | 15,704 | 18,703 | 20,981 | 21,986 | 26,784 | 31,566 | 35,502 | 38,543 | |
Total Assets | 5,912 | 8,334 | 10,756 | 13,379 | 15,730 | 18,729 | 21,044 | 22,074 | 27,944 | 33,070 | 37,014 | 40,967 |
Cash Flows
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
114 | 53 | 382 | -2,356 | -2,018 | -2,335 | -1,842 | -851 | -3,916 | -4,044 | 225 | 933 | |
-1 | -4 | -11 | -7 | -2 | -4 | -13 | -28 | -1,380 | -327 | -170 | -785 | |
-112 | -55 | -371 | 2,363 | 2,019 | 2,739 | 1,826 | 508 | 5,299 | 4,370 | -56 | -149 | |
Net Cash Flow | 1 | -6 | -0 | 0 | -1 | 401 | -29 | -372 | 2 | -1 | -1 | 0 |
Ratios
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 18% | 14% | 19% | 24% | 22% | 18% | 19% | 19% | 17% | 18% | 19% | 18% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
1d - Investors meet discussed Q1 FY25-26 results, growth, asset quality, and business prospects.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
29 Jul - Investor meetings held discussing Q1 FY25-26 results, growth, asset quality, and business prospects.
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Intimation To Shareholders Who Have Not Registered Their Email Addresses (Regulation 30 Of The SEBI (LODR) Regulations, 2015.
29 Jul - Can Fin Homes announces 38th AGM on Aug 20, 2025; 300% dividend declared; e-voting details shared.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
28 Jul - Analyst / Investor Meet through Video Conference (VC) is scheduled with the Top Management Team of the Company. For details please refer to the attachment.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
26 Jul - Copies of newspaper publications regarding Dispatch of 38th AGM Notice, Annual Report etc.
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2013
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Financial Year 2012
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Concalls
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Jul 2025Transcript PPT
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Apr 2025Transcript PPT REC
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Key Ratio FY24[1][2]
NIM : 3.73% vs (3.45% - FY23)
Cost of borrowing: 7.4% vs (6.54% - FY23)
Cost to Income Ratio: 16..74% vs (16.93% - FY23)
Gross NPA: 0.82% vs (0.55%- FY23)
Net NPA: 0.42% vs (0.26% - FY23)
Capital Adequecy Ratio: 24.61% [3]
PCR: 80% vs (101% - FY23)[4]