Finance
Past Returns: In past three years, the stock has provided 19.2% return compared to 11.9% by NIFTY 50.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: Market Cap wise it is among the top 20% companies of india.
Profitability: Very strong Profitability. One year profit margin are 23%.
Smart Money: Smart money has been increasing their position in the stock.
No major cons observed.
Valuation | |
|---|---|
| Market Cap | 12.19 kCr |
| Price/Earnings (Trailing) | 13.23 |
| Price/Sales (Trailing) | 3.01 |
| EV/EBITDA | 3.27 |
| Price/Free Cashflow | 11.69 |
| MarketCap/EBT | 10.53 |
| Enterprise Value | 12.19 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 4.06 kCr |
| Rev. Growth (Yr) | 9% |
| Earnings (TTM) | 921.34 Cr |
| Earnings Growth (Yr) | 18.9% |
Profitability | |
|---|---|
| Operating Margin | 29% |
| EBT Margin | 29% |
| Return on Equity | 16.87% |
| Return on Assets | 2.21% |
| Free Cashflow Yield | 8.55% |
Growth & Returns | |
|---|---|
| Price Change 1W | 1.6% |
| Price Change 1M | 3.5% |
| Price Change 6M | 15.5% |
| Price Change 1Y | 12.9% |
| 3Y Cumulative Return | 19.2% |
| 5Y Cumulative Return | 13.4% |
| 7Y Cumulative Return | 18.5% |
| 10Y Cumulative Return | 16.5% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -784.54 Cr |
| Cash Flow from Operations (TTM) | 933.37 Cr |
| Cash Flow from Financing (TTM) | -148.53 Cr |
| Cash & Equivalents | 1.93 Cr |
| Free Cash Flow (TTM) | 916.73 Cr |
| Free Cash Flow/Share (TTM) | 68.85 |
Balance Sheet | |
|---|---|
| Total Assets | 41.75 kCr |
| Total Liabilities | 36.29 kCr |
| Shareholder Equity | 5.46 kCr |
| Net PPE | 0.00 |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.55 |
| Interest/Cashflow Ops | 1.37 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 12 |
| Dividend Yield | 1.31% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Summary of Can Fin Homes's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Last updated:
In the Q2 FY26 earnings conference call, Can Fin Homes Limited's management provided a positive outlook, highlighting several key performance metrics and future projections. For disbursements, the company achieved its guidance of INR 2,500 crores in Q2, marking a significant increase compared to previous periods. Karnataka experienced a turnaround with disbursements reaching INR 270 crores in September 2025, compared to INR 78 crores in the same month last year. Management expects to maintain this momentum, projecting Q3 disbursements to also target INR 2,500 crores, despite potential impacts from an ongoing IT transformation.
The management expressed optimism regarding a reduction in delinquencies, having decreased to INR 3,850 crores, and anticipated further declines to about INR 3,750 crores in Q3. This includes a substantial drop in SMA 0 and SMA 2 accounts, indicating better credit quality.
Management also indicated improvements in Net Interest Margin (NIM), reporting a rise to 4.02% and a targeted outlook of 3.75% for the coming quarters. Furthermore, there is potential for a refinancing benefit of approximately INR 1,500 crores at a blended rate of 6.8% from NHB, which may enhance profitability.
On the strategic front, management plans to continue expanding its branch presence, particularly in northern and western regions, while also increasing focus on affordable housing. For the fiscal year, the company aims for a total disbursement of INR 10,500 crores and a year-to-date AUM growth projection of 12% to 13%.
Overall, the guidance suggests steady growth in disbursements and continued enhancements in operational efficiency, with optimistic views on credit quality and profitability moving forward.
Last updated:
I'm sorry, but it appears that you've referenced an earnings transcript, but I don't have the actual document to refer to. Could you please provide the Q&A section or key parts of the earning transcript that you would like to analyze? This will help me summarize the major questions and answers accurately!
Understand Can Fin Homes ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| CANARA BANK-MUMBAI | 29.99% |
| CHHATISGARH INVESTMENTS LIMITED | 6.27% |
| 3P INDIA EQUITY FUND 1 | 3.56% |
| AXIS MUTUAL FUND TRUSTEE LIMITED - VARIOUS SCHEMES | 3.29% |
| SBI LIFE INSURANCE CO. LTD | 3.02% |
| SARDA ENERGY & MINERALS LIMITED | 1.8% |
| NIPPON LIFE INDIA TRUSTEE LTD-A/C - VARIOUS SCHEMES | 1.66% |
| CANARA ROBECO MUTUAL FUND A/C - VARIOUS SCHEMES | 1.57% |
| HDFC MUTUAL FUND - VARIOUS SCHEMES | 1.46% |
| HSBC VALUE FUND | 1.39% |
| FIDELITY FUNDS - ASIAN SMALLER COMPANIES POOL | 1.23% |
| 3P INDIA EQUITY FUND 1M | 1.2% |
| CANARA ROBECO ASSET MANAGEMENT COMPANY LIMITED | 0% |
| CANBANK FINANCIAL SERVICES LIMITED | 0% |
| CANARA BANK SECURITIES LIMITED | 0% |
| CANBANK COMPUTER SERVICES LIMITED | 0% |
| CANBANK FACTORS LIMITED | 0% |
| CANBANK VENTURE CAPITAL FUND LIMITED | 0% |
| CANARA HSBC LIFE INSURANCE COMPANY LIMITED | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of Can Fin Homes against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| LICHSGFIN | Lic Housing Finance | 29.29 kCr | 28.81 kCr | -7.00% | -15.80% | 5.3 | 1.02 | - | - |
| PNBHOUSING | PNB Housing Finance | 24.41 kCr | 8.19 kCr | +4.20% | +1.00% | 11.34 | 2.98 | - | - |
| AAVAS | AAVAS Financiers | 12.42 kCr | 2.53 kCr | -7.90% | -6.50% | 20.59 | 4.91 | - | - |
| REPCOHOME | Repco Home Finance | 2.51 kCr | 1.76 kCr | -8.70% | -12.50% | 5.48 | 1.42 | - | - |
Comprehensive comparison against sector averages
CANFINHOME metrics compared to Finance
| Category | CANFINHOME | Finance |
|---|---|---|
| PE | 13.23 | 14.32 |
| PS | 3.01 | 3.12 |
| Growth | 8.9 % | 8.2 % |
Can Fin Homes Limited provides housing finance services primarily to individuals, builders, corporates, and others in India. The company's products portfolio comprises housing loans, such as individual housing loans, affordable housing loans, credit link subsidy scheme and Pradhan Mantri Awas Yojana (PMAY), composite loans, and top-up loans; and non-housing loans, including mortgage loans, site loans, loans for commercial properties, loans against rent receivables, personal loans, loans for children education, and loans for pensioners, as well as fixed and cumulative deposits. Can Fin Homes Limited operates various branches, housing loan centers, and satellite offices. The company was incorporated in 1987 and is headquartered in Bengaluru, India.
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CANFINHOME vs Finance (2021 - 2025)