Can Fin Homes Ltd

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Can Fin Homes Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Can Fin Homes Ltd

₹ 732 -0.38%
16 Oct - close price
canfinhomes.com BSE: 511196 NSE: CANFINHOME
About

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]

Key Points

Key Ratios- Q1 FY27:[1][2]
-NIM: 3.8% vs (3.64% - Q1 FY26)
-Cost of borrowing: 6.98% vs (7.47% - Q1 FY26)
-Cost to Income Ratio: 19.52% vs (18.33% - Q1 FY26)
-Yield: 9.81% vs (10.09% - Q1 FY26)
-Gross NPA: 0.87% vs (0.98%- Q1 FY26)
-Net NPA: 0.42% vs (0.54% - Q1 FY26)
-PCR: 81% vs (74% - Q1 FY26)[3]

Website BSE NSE
  • Market Cap ₹ 9,749 Cr.
  • Current Price ₹ 732
  • High / Low ₹ 972 / 700
  • Stock P/E 8.46
  • Book Value ₹ 482
  • Dividend Yield 2.05 %
  • ROCE 9.14 %
  • ROE 19.7 %
  • Face Value ₹ 2.00
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Pros

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

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 30.0%
  • Company might be capitalizing the interest cost

* 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 BSE Financial Services BSE 250 SmallCap Index Nifty Total Market Nifty500 Equal Weight

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Quarterly Results

Figures in Rs. Crores

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
871 901 927 931 962 986 999 1,020 1,049 1,073 1,074 1,096 1,131
Interest 548 566 584 603 616 636 634 648 639 642 634 659 690
122 77 70 71 70 78 82 91 75 85 83 96 87
Financing Profit 201 258 273 258 277 272 282 281 336 345 356 341 354
Financing Margin % 23% 29% 29% 28% 29% 28% 28% 28% 32% 32% 33% 31% 31%
0 1 1 0 0 0 1 0 0 0 2 0 0
Depreciation 3 3 4 3 3 3 4 3 4 4 5 3 7
Profit before tax 198 256 270 255 274 269 279 278 332 341 353 339 347
Tax % 20% 22% 23% 22% 23% 21% 16% 19% 24% 22% 2% 21% 21%
158 200 209 200 211 212 234 224 251 265 346 268 275
EPS in Rs 11.87 15.03 15.70 14.99 15.88 15.93 17.57 16.81 18.88 19.89 25.96 20.11 20.62
Gross NPA % 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 % 0.43% 0.49% 0.42% 0.49% 0.47% 0.50% 0.46% 0.54% 0.50% 0.49% 0.37% 0.42%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
816 1,083 1,353 1,518 1,727 2,030 2,018 1,988 2,742 3,523 3,879 4,217 4,373
Interest 611 744 884 981 1,170 1,345 1,209 1,155 1,702 2,232 2,488 2,564 2,626
65 83 95 107 89 158 182 189 205 323 301 334 351
Financing Profit 140 257 373 430 468 528 627 644 835 969 1,090 1,319 1,397
Financing Margin % 17% 24% 28% 28% 27% 26% 31% 32% 30% 28% 28% 31% 32%
1 1 1 4 4 0 0 1 1 1 0 1 2
Depreciation 4 3 4 3 3 9 10 10 12 13 13 17 19
Profit before tax 137 254 370 431 470 518 618 635 824 958 1,077 1,304 1,380
Tax % 37% 38% 36% 34% 37% 27% 26% 26% 25% 22% 20% 17%
86 157 235 286 297 376 456 471 621 751 857 1,086 1,153
EPS in Rs 6.48 11.80 17.68 21.49 22.29 28.25 34.25 35.38 46.65 56.38 64.37 81.54 86.58
Dividend Payout % 22% 17% 11% 9% 9% 7% 6% 8% 8% 11% 19% 18%
Compounded Sales Growth
10 Years: 15%
5 Years: 16%
3 Years: 15%
TTM: 8%
Compounded Profit Growth
10 Years: 21%
5 Years: 19%
3 Years: 20%
TTM: 25%
Stock Price CAGR
10 Years: 7%
5 Years: 1%
3 Years: -1%
1 Year: -9%
Return on Equity
10 Years: 19%
5 Years: 19%
3 Years: 19%
Last Year: 20%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 27 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 6,391
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 39,078
188 433 430 322 67 145 171 230 355 395 158 143 320
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 45,815
9 9 10 10 10 38 38 35 45 53 49 50 181
CWIP 0 0 0 0 0 0 0 0 0 0 1 60 0
Investments 15 15 16 16 16 24 50 1,126 1,459 1,459 2,345 2,143 2,141
8,310 10,732 13,352 15,704 18,703 20,981 21,986 26,784 31,566 35,090 38,119 42,128 43,494
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 45,815

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
53 382 -2,356 -2,018 -2,335 -1,842 -851 -3,916 -4,044 -2,570 -2,255 -2,910
-4 -11 -7 -2 -4 -13 -28 -1,380 -327 -170 -785 124
-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

Ratios

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

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Disbursements
INR Crore

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Gross NPA Ratio
Percentage
Loan Book (AUM)
INR Crore
Number of Branches / Offices
Count
Number of Employees
Count
Housing share of AUM (incl. CRE)
Percentage
Salaried & Professional share of AUM
Percentage
Active DSAs
Count

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Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99%
11.06% 11.51% 11.53% 11.68% 11.41% 12.14% 12.10% 12.52% 13.24% 13.37% 13.23% 12.51%
28.46% 27.88% 27.78% 27.51% 28.14% 24.66% 24.53% 23.88% 24.70% 24.61% 24.53% 23.45%
30.48% 30.60% 30.71% 30.82% 30.46% 33.20% 33.37% 33.61% 32.07% 32.04% 32.25% 34.04%
No. of Shareholders 92,79596,91898,2561,06,5591,11,7181,09,34098,63794,30085,62093,99590,61191,081

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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