Can Fin Homes Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 23.1%
- Solid return on assets for a lender - ROA of 2.5%
- Asset quality is healthy - gross NPA of just 0.8%
- Company has delivered good sales growth of 15.9% CAGR over last 5 years
- Company has a consistent dividend-paying track record
- Attractively priced for its growth - PEG of 0.5
CONS
- Company has a low return on capital employed of 9.3%
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | 82.93 | 663.40 | 69100.05 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| PIRAMALFIN | 2311.65 | 32.42 | 54700.64 | 0.48 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| HUDCO | 175.45 | 8.25 | 35123.34 | 3.45 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| LICHSGFIN | 556.60 | 5.34 | 30616.51 | 1.80 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| PNBHOUSING | 1142.90 | 12.88 | 29807.28 | 0.70 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| AADHARHFC | 471.70 | 18.12 | 20670.21 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| SAMMAANCAP | 150.05 | 0.00 | 17474.18 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | -4.70 | 99.91 |
| APTUS | 258.20 | 13.13 | 12931.44 | 1.74 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| HOMEFIRST | 1202.80 | 21.63 | 12576.41 | 0.43 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| CANFINHOME | 787.55 | 9.28 | 10486.59 | 1.90 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| AAVAS | 1292.95 | 20.89 | 10252.36 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 9.97 | 74.58 |
| INDIASHLTR | 667.55 | 14.48 | 7287.46 | 1.50 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 824 | 871 | 901 | 927 | 931 | 962 | 986 | 999 | 1,020 | 1,049 | 1,073 | 1,074 | 1,096 | |
| 54 | 122 | 77 | 70 | 71 | 70 | 78 | 82 | 91 | 75 | 85 | 83 | 758 | |
| Operating Profit | 769 | 749 | 824 | 857 | 860 | 892 | 908 | 917 | 929 | 974 | 988 | 990 | 1,001 |
| OPM % | 93.39% | 86.01% | 91.44% | 92.49% | 92.41% | 92.69% | 92.08% | 91.79% | 91.08% | 92.82% | 92.05% | 92.25% | 91.29% |
| 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 |
| 234 | 198 | 256 | 270 | 255 | 274 | 269 | 279 | 278 | 332 | 341 | 353 | 339 | |
| Tax % | 21.56% | 20.16% | 21.73% | 22.57% | 21.74% | 22.84% | 21.18% | 16.21% | 19.36% | 24.17% | 22.44% | 2.07% | 20.88% |
| Net Profit | 183 | 158 | 200 | 209 | 200 | 211 | 212 | 234 | 224 | 251 | 265 | 346 | 268 |
| 14 | 12 | 15 | 16 | 15 | 16 | 16 | 18 | 17 | 19 | 20 | 26 | 2 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,353 | 1,518 | 1,727 | 2,030 | 2,018 | 1,988 | 2,742 | 3,523 | 3,879 | 4,216 | 4,292 | |
| 96 | 107 | 89 | 158 | 182 | 189 | 205 | 323 | 301 | 334 | 1,002 | |
| Operating Profit | 1,258 | 1,411 | 1,638 | 1,873 | 1,836 | 1,799 | 2,537 | 3,201 | 3,578 | 3,882 | 3,291 |
| OPM % | 92.94% | 92.98% | 94.82% | 92.23% | 90.97% | 90.49% | 92.52% | 90.85% | 92.25% | 92.07% | 76.66% |
| 1 | 4 | 4 | 0 | 0 | 1 | 1 | 2 | 1 | 2 | 2 | |
| Interest | 884 | 981 | 1,169 | 1,345 | 1,209 | 1,155 | 1,702 | 2,232 | 2,489 | 2,564 | 2,574 |
| Depreciation | 4 | 3 | 3 | 9 | 10 | 10 | 12 | 13 | 13 | 17 | 16 |
| Profit before Tax | 370 | 431 | 470 | 518 | 618 | 635 | 824 | 958 | 1,077 | 1,304 | 1,364 |
| Tax % | 36.44% | 33.61% | 36.80% | 27.43% | 26.15% | 25.82% | 24.61% | 21.60% | 20.45% | 16.71% | 17.20% |
| Net Profit | 235 | 286 | 297 | 376 | 456 | 471 | 621 | 751 | 857 | 1,086 | 1,130 |
| EPS | 17.68 | 21.49 | 22.29 | 28.25 | 34.25 | 35.38 | 46.65 | 56.38 | 64.37 | 81.54 | — |
| Dividend Payout % | 11.32% | 9.31% | 8.97% | 7.08% | 5.84% | 8.48% | 7.50% | 10.64% | 18.64% | 18.40% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 15%
- 5 Years:
- 16%
- 3 Years:
- 15%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 21%
- 5 Years:
- 19%
- 3 Years:
- 20%
STOCK PRICE CAGR
- 10 Years:
- 9%
- 5 Years:
- 5%
- 3 Years:
- 0%
- 1 Year:
- 6%
RETURN ON EQUITY
- 10 Years:
- 19%
- 5 Years:
- 18%
- 3 Years:
- 19%
- Last Year:
- 20%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 |
| 1,050 | 1,460 | 1,756 | 2,123 | 2,583 | 3,040 | 3,621 | 4,317 | 5,041 | 5,954 | |
| 11,114 | 13,923 | 16,882 | 18,749 | 19,293 | 24,774 | 29,301 | 31,971 | 35,289 | 38,258 | |
| Trade Payables | 2 | 9 | 3 | 4 | 4 | 6 | 8 | 5 | 6 | 8 |
| 1,186 | 288 | 38 | 106 | 121 | 51 | 66 | 628 | 536 | 530 | |
| Total Liabilities | 13,379 | 15,706 | 18,705 | 21,010 | 22,028 | 27,897 | 33,022 | 36,948 | 40,898 | 44,776 |
| 10 | 10 | 10 | 38 | 38 | 35 | 45 | 53 | 49 | 50 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| 16 | 16 | 16 | 24 | 50 | 1,126 | 1,459 | 1,459 | 2,345 | 2,143 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | |
| Cash & Bank | 12 | 19 | 420 | 392 | 22 | 324 | 308 | 457 | 308 | 304 |
| 13,340 | 15,662 | 18,259 | 20,555 | 21,919 | 26,412 | 31,209 | 34,978 | 38,194 | 42,276 | |
| Total Assets | 13,379 | 15,706 | 18,705 | 21,010 | 22,028 | 27,897 | 33,022 | 36,948 | 40,898 | 44,776 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -2,240 | -1,879 | -2,185 | -1,718 | -714 | -3,779 | -3,869 | 225 | -2,255 | -2,910 | |
| Cash from Investing | -7 | -2 | -4 | -13 | -28 | -1,380 | -327 | -170 | -785 | 124 |
| Cash from Financing | 2,363 | 2,019 | 2,739 | 1,826 | 508 | 5,299 | 4,370 | -56 | 3,040 | 2,787 |
| 0 | -1 | 401 | -29 | -372 | 2 | -1 | -1 | 0 | 0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-03 - Can Fin Homes Limited has informed the Exchange about General Updates
2026-09-01 - Can Fin Homes Limited has informed the Exchange about Outcome of Analyst Meet
2026-08-31 - Can Fin Homes Limited has informed the Exchange regarding Cessation of Shri R Madhu Kumar as Vice President (Head- Credit) & SMP of the company w.e.f. August 31, 2026.
2026-08-29 - Can Fin Homes Limited has informed the Exchange regarding Outcome of Board Meeting held on August 29, 2026.
2026-08-27 - Can Fin Homes Limited has informed the Exchange that the Top Management of the Company would be participating in the ASHWAMEDH - ELARA INDIA DIALOGUE 2026 to be held on Tuesday, September 01, 2026 arranged by Elara Capital. For details, please refer to the attachment.
2026-08-24 - Can Fin Homes Limited has informed the Exchange that Top Management of the Company participated in the Analyst/ Investor meeting held today i.e., on Monday, August 24, 2026 through VC arranged by Investec Capital Services (India) Private Limited. For more details, please refer the attachment.
2026-08-22 - Can Fin Homes Limited has informed the Exchange about the ESG Rating for FY 2025-26 provided by CRISIL ESG Ratings & Analytics Limited. For more details please refer the attachment.
2026-08-19 - Can Fin Homes Limited has informed the Exchange that Analyst / Investor Meet through Video Conference (VC) is scheduled with the Top Management Team of the Company on Monday, August 24, 2026. For details please refer to the attachment.
2026-08-13 - Can Fin Homes Limited has informed the Exchange that the Top Management of the Company participated in the Analyst/ Investor meeting held today i.e., on Thursday, August 13, 2026 at Mumbai. For more details , please refer the attachment.
News
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Can Fin Homes Ltd.
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