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Can Fin Homes

CANFINHOME NSE
₹725.60 −10.75 (−1.46%)
P/E
8.55
View as Markdown
MCP
Close 4 Nov 2026 ₹725.60 −152.00 −17.3% 1Y
Start ₹877.60

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

Debt to Equity
6.40
EPS (TTM)
₹84.84
Book Value
₹481.93
Market Cap
—
P/E (TTM)
8.55
P/B
1.51
ROE
19.70%
Dividend Yield
2.04%
52W High
₹971.50
52W Low
₹693.00
Day Range
₹719.00 – ₹737.10
Volume
2,34,459
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Housing Finance › Housing Finance Company

Can Fin Homes peer comparison
Bajaj Housing Finance
₹81.4225.21₹65,542 Cr2.820.00%12.10%—₹11,604 Cr₹2,692 Cr
Piramal Finance
₹1,946.20—₹45,625 Cr1.490.58%0.86%6.47%₹13,357 Cr₹1,909 Cr
LIC Housing Finance
₹520.004.98₹28,072 Cr0.651.98%14.40%—₹28,562 Cr₹5,739 Cr
PNB Housing Finance
₹1,082.0011.99₹28,029 Cr1.390.75%12.90%—₹8,700 Cr₹2,350 Cr
Aadhar Housing Finance
₹431.2016.44₹18,689 Cr2.520.00%15.90%—₹3,817 Cr₹1,140 Cr
Sammaan Capital
₹125.98—₹14,065 Cr0.821.67%−3.21%—₹7,418 Cr−₹7,236 Cr
Home First Finance Company
₹1,082.3019.38₹11,147 Cr2.430.49%15.70%—₹1,999 Cr₹581 Cr
Can Fin Homes (this company)
₹725.608.55₹9,748 Cr1.512.04%19.70%—₹4,292 Cr₹1,130 Cr
Median 8 companies₹622.8014.22₹23,359 Cr1.500.67%13.65%6.47%₹8,059 Cr₹1,525 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

44 Weak

Data confidence 94/100

Category scores

Quality
61
Good
Returns, margins, earnings quality 22% weight
Valuation
68
Strong
Cheap vs sector & own history 24% weight
Growth
34
Poor
Sales & profit trajectory 9% weight
Financial Health
36
Poor
Solvency, leverage, coverage 9% weight
Momentum
9
Poor
Trend strength, vol-adjusted 12% weight
Ownership
25
Poor
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

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

Weaknesses

3
  • Company has low interest coverage ratio.
  • Promoter holding is low: 30.0%
  • Company might be capitalizing the interest cost

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1171
OscillatorsNeutral171
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
45.12
Neutral
MACD (12,26,9)
−6.48
Bullish
SMA (50)
755.75
Bearish
SMA (200)
835.61
Bearish

As of

Analyst Rating

Based on 15 analysts
BUY93%

14 of 15 analysts rate Buy, 1 Hold, 0 Sell.

As of

BUY
14
93%
HOLD
1
7%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+14.56%
5Y+15.88%
3Y+15.43%
1Y+8.71%
TTM+8.19%

Net profit

Net profit growth by window
10Y+21.34%
5Y+18.95%
3Y+20.48%
1Y+26.72%
TTM+28.26%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹1,353 Cr
Mar 2018₹1,518 Cr
Mar 2019₹1,727 Cr
Mar 2020₹2,030 Cr
Mar 2021₹2,018 Cr
Mar 2022₹1,988 Cr
Mar 2023₹2,742 Cr
Mar 2024₹3,523 Cr
Mar 2025₹3,879 Cr
Mar 2026₹4,217 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹235 Cr
Mar 2018₹286 Cr
Mar 2019₹297 Cr
Mar 2020₹376 Cr
Mar 2021₹456 Cr
Mar 2022₹471 Cr
Mar 2023₹621 Cr
Mar 2024₹751 Cr
Mar 2025₹857 Cr
Mar 2026₹1,086 Cr

Analyst Forecasts

Forecast For
Dec 26 consensus · EPS
₹20.68 +0.3% vs Sep 26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 10 Jul 2026
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 7
  • 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
  • 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 7
  • 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
  • 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

111d ago

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.

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.

Quarterly Results

₹ Cr
CANFINHOME quarterly results, ₹ crore
Particulars 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 (₹)
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%

Profit & Loss

₹ Cr
CANFINHOME profit and loss, annual, ₹ crore
Particulars 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
3,878
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
1.98
2
Interest
611
744
884
981
1,170
1,345
1,209
1,155
1,702
2,232
2,488
2,563
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 (₹)
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%
—

Balance Sheet

₹ Cr
CANFINHOME balance sheet, annual, ₹ crore
Particulars 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

Cash Flow

₹ Cr
CANFINHOME cash flow, annual, ₹ crore
Particulars 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

Ratios

CANFINHOME financial ratios, annual
Particulars 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%

Insights

Beta

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

Log in to view Can Fin Homes insights

51 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 29.99%
  • DIIs 23.46%
  • Public 20.05%
  • Others 14.00%
  • FIIs 12.51%

No promoter shares pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Can Fin Homes

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.
Where is Can Fin Homes Ltd (CANFINHOME) listed?
Can Fin Homes Ltd trades as CANFINHOME on the NSE and under code 511196 on the BSE.
Which sector does Can Fin Homes Ltd belong to?
Can Fin Homes Ltd is classified under the Financial Services sector, in the Housing Finance industry.
What is the PE ratio of Can Fin Homes Ltd?
Can Fin Homes Ltd trades at a PE ratio of 8.55 as of 4 Nov 2026, on earnings per share of ₹84.84, against a book value of ₹481.93 per share.
What is the 52-week high and low of Can Fin Homes Ltd?
Over the last 52 weeks Can Fin Homes Ltd has traded between ₹693 and ₹971.5 as of 4 Nov 2026.
Does Can Fin Homes Ltd pay dividends?
Can Fin Homes Ltd has a dividend yield of 2.04%.
What is the Return on Equity (ROE) of Can Fin Homes Ltd?
Can Fin Homes Ltd reported a return on equity of 19.70%. Its debt-to-equity ratio is 6.40.

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.

Website canfinhomes.com
CEO Mr. Suresh Srinivasan Iyer
Employees 1,108
Listed 10 May 1995
Face Value ₹2

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