Can Fin Homes Ltd

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

Can Fin Homes Ltd

₹ 855 -2.76%
11 May - 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 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]

Website BSE NSE
  • Market Cap ₹ 11,380 Cr.
  • Current Price ₹ 855
  • High / Low ₹ 972 / 709
  • Stock P/E 10.5
  • Book Value ₹ 449
  • Dividend Yield 1.40 %
  • ROCE 9.17 %
  • 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.
  • 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 Nifty 500 BSE Financial Services BSE 250 SmallCap Index BSE 400 MidSmallCap Index

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
764 824 871 901 927 931 962 986 999 1,020 1,049 1,073 1,074
Interest 491 533 548 566 584 603 616 636 634 648 639 642 634
72 54 122 77 70 71 70 78 82 91 75 85 83
Financing Profit 201 236 201 258 273 258 277 272 282 281 336 345 356
Financing Margin % 26% 29% 23% 29% 29% 28% 29% 28% 28% 28% 32% 32% 33%
1 0 0 1 1 0 0 0 1 0 0 0 2
Depreciation 4 3 3 3 4 3 3 3 4 3 4 4 5
Profit before tax 198 234 198 256 270 255 274 269 279 278 332 341 353
Tax % 16% 22% 20% 22% 23% 22% 23% 21% 16% 19% 24% 22% 2%
166 183 158 200 209 200 211 212 234 224 251 265 346
EPS in Rs 12.45 13.78 11.87 15.03 15.70 14.99 15.88 15.93 17.57 16.81 18.88 19.89 25.96
Gross NPA % 0.55% 0.63% 0.76% 0.91% 0.82% 0.91% 0.88% 0.92% 0.87% 0.98% 0.94% 0.92%
Net NPA % 0.26% 0.34% 0.43% 0.49% 0.42% 0.49% 0.47% 0.50% 0.46% 0.54% 0.50% 0.49%
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
816 1,083 1,353 1,518 1,727 2,030 2,018 1,988 2,742 3,523 3,879 4,216
Interest 611 744 884 981 1,170 1,345 1,209 1,155 1,702 2,232 2,488 2,563
65 83 95 107 89 158 182 189 205 323 301 335
Financing Profit 140 257 373 430 468 528 627 644 835 969 1,089 1,318
Financing Margin % 17% 24% 28% 28% 27% 26% 31% 32% 30% 28% 28% 31%
1 1 1 4 4 0 0 1 1 1 1 2
Depreciation 4 3 4 3 3 9 10 10 12 13 13 17
Profit before tax 137 254 370 431 470 518 618 635 824 958 1,077 1,304
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
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
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: 9%
Compounded Profit Growth
10 Years: 21%
5 Years: 19%
3 Years: 20%
TTM: 27%
Stock Price CAGR
10 Years: 13%
5 Years: 11%
3 Years: 10%
1 Year: 21%
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
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 35,051 38,258
188 433 430 322 67 145 171 230 355 395 849 143
Total Liabilities 8,334 10,756 13,379 15,730 18,729 21,044 22,074 27,944 33,070 36,602 40,967 44,381
9 9 10 10 10 38 38 35 45 53 49 110
CWIP 0 0 0 0 0 0 0 0 0 0 1 0
Investments 15 15 16 16 16 24 50 1,126 1,459 1,459 2,374 2,143
8,310 10,732 13,352 15,704 18,703 20,981 21,986 26,784 31,566 35,090 38,543 42,128
Total Assets 8,334 10,756 13,379 15,730 18,729 21,044 22,074 27,944 33,070 36,602 40,967 44,381

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 -2,570 933 -2,940
-4 -11 -7 -2 -4 -13 -28 -1,380 -327 -170 -785 153
-55 -371 2,363 2,019 2,739 1,826 508 5,299 4,370 2,738 -149 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 -2,589 917 -3,016
CFO/OP 13% 46% -178% -133% -133% -92% -39% -210% -153% -74% 32% -68%

Ratios

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
ROE % 14% 19% 24% 22% 18% 19% 19% 17% 18% 19% 18% 20%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Dec 2025
Gross NPA Ratio
%

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Outstanding Loan Book (AUM)
₹ Crore
Average Business per Branch
₹ Crore
Average Business per Employee
₹ Crore
Net Interest Margin (NIM)
%
Number of Branches
Count
Geographical Concentration - South (Incremental Disbursement)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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%
10.72% 11.36% 11.06% 11.51% 11.53% 11.68% 11.41% 12.14% 12.10% 12.52% 13.24% 13.37%
27.97% 27.41% 28.46% 27.88% 27.78% 27.51% 28.14% 24.66% 24.53% 23.88% 24.70% 24.61%
31.32% 31.23% 30.48% 30.60% 30.71% 30.82% 30.46% 33.20% 33.37% 33.61% 32.07% 32.04%
No. of Shareholders 89,48794,58292,79596,91898,2561,06,5591,11,7181,09,34098,63794,30085,62093,995

* 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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