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Can Fin Homes Ltd. (IN:CANFINHOME)
:CANFINHOME
India Market

Can Fin Homes Ltd. (CANFINHOME) AI Stock Analysis

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IN:CANFINHOME

Can Fin Homes Ltd.

(CANFINHOME)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
₹964.00
▲(3.91% Upside)
Can Fin Homes Ltd. scores well due to strong financial performance and reasonable valuation. However, technical indicators suggest caution due to overbought conditions. The company's high leverage and historical cash flow volatility are risks that need ongoing management.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market demand and effective business strategy, supporting long-term financial health and expansion potential.
Profitability
Strong profitability margins reflect efficient operations and cost control, enhancing the company's ability to reinvest in growth and withstand economic fluctuations.
Cash Flow Improvement
Improved cash flow enhances financial flexibility, allowing for strategic investments and debt management, crucial for sustaining long-term growth.
Negative Factors
High Leverage
High leverage can increase financial risk and limit strategic options, requiring careful management to avoid potential liquidity issues.
Cash Flow Volatility
Volatile cash flows can strain operations and investment capacity, necessitating robust cash management practices to ensure stability.
Absence of Gross Profit Data
Lack of gross profit data hinders full financial transparency, complicating the assessment of cost efficiency and operational effectiveness.

Can Fin Homes Ltd. (CANFINHOME) vs. iShares MSCI India ETF (INDA)

Can Fin Homes Ltd. Business Overview & Revenue Model

Company DescriptionCan Fin Homes Limited provides housing finance services primarily to individuals and builders/developers in India. The company offers housing loans, such as individual housing loans, affordable housing loans, 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. As of March 31, 2020, it operated 165 branches, 21 affordable housing loan centers, and 14 satellite offices. Can Fin Homes Limited was founded in 1987 and is headquartered in Bengaluru, India.
How the Company Makes MoneyCan Fin Homes generates revenue primarily through the interest earned on home loans and other financial products it offers to customers. The company provides various types of loans, including housing loans, loans against property, and construction finance, which typically yield interest income over the loan tenure. Additionally, Can Fin Homes may earn fees from processing loan applications, prepayment penalties, and other service charges. Significant partnerships with banks and financial institutions for co-lending and securitization also contribute to its revenue streams, enabling the company to diversify its funding sources and manage risk effectively. The overall growth in the housing market and favorable regulatory environment also play a crucial role in enhancing the company's earnings potential.

Can Fin Homes Ltd. Financial Statement Overview

Summary
Can Fin Homes Ltd. shows strong income and profit growth with effective equity utilization. However, high leverage and historical cash flow volatility require careful management.
Income Statement
82
Very Positive
Can Fin Homes Ltd. has demonstrated impressive revenue growth, with a significant increase in total revenue from the previous year. The company reports a robust net profit margin, indicating effective cost management and profitability. Additionally, the EBIT and EBITDA margins are strong, reflecting efficient operations. However, the unexplained absence of gross profit data in recent years limits a comprehensive analysis of the cost of goods sold.
Balance Sheet
75
Positive
The company's balance sheet shows a high debt-to-equity ratio, which is common in the mortgage industry but poses potential risks if not managed. Return on equity is healthy, reflecting good profit generation relative to shareholder investments. The equity ratio is moderate, indicating a balanced proportion of equity financing in total assets. Overall, while the company maintains stability, its high leverage requires careful monitoring.
Cash Flow
68
Positive
Cash flow statements reveal fluctuations, with a notable recovery in free cash flow in the latest period after significant negative figures previously. The operating cash flow to net income ratio is strong, indicating good cash conversion from profits. However, previous years show substantial negative operating and free cash flows, suggesting historical cash management challenges. The current improvements are promising but require sustained performance.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue39.44B38.49B34.97B27.10B19.62B20.06B
Gross Profit14.14B13.64B12.68B10.12B8.13B8.01B
EBITDA11.14B10.90B9.70B8.36B6.45B6.27B
Net Income8.81B8.57B7.51B6.21B4.71B4.56B
Balance Sheet
Total Assets0.00409.67B370.14B330.70B279.44B220.74B
Cash, Cash Equivalents and Short-Term Investments0.003.08B4.59B3.09B3.25B224.47M
Total Debt0.00348.64B316.45B286.33B241.89B188.87B
Total Liabilities-50.67B359.00B322.58B294.23B248.78B194.64B
Stockholders Equity50.67B50.67B43.44B36.47B30.67B26.10B
Cash Flow
Free Cash Flow0.009.17B-25.90B-40.53B-39.20B-8.54B
Operating Cash Flow0.009.33B-25.70B-40.44B-39.16B-8.51B
Investing Cash Flow0.00-7.85B-1.70B-3.27B-13.80B-282.64M
Financing Cash Flow0.00-1.49B27.38B43.70B52.99B5.08B

Can Fin Homes Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price927.70
Price Trends
50DMA
908.37
Positive
100DMA
860.11
Positive
200DMA
807.50
Positive
Market Momentum
MACD
-0.76
Positive
RSI
55.86
Neutral
STOCH
41.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CANFINHOME, the sentiment is Positive. The current price of 927.7 is above the 20-day moving average (MA) of 911.24, above the 50-day MA of 908.37, and above the 200-day MA of 807.50, indicating a bullish trend. The MACD of -0.76 indicates Positive momentum. The RSI at 55.86 is Neutral, neither overbought nor oversold. The STOCH value of 41.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CANFINHOME.

Can Fin Homes Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
₹123.53B12.681.37%8.92%12.32%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
₹122.55B23.730.33%31.75%21.70%
64
Neutral
₹115.25B19.10
62
Neutral
₹25.25B5.511.61%8.10%2.97%
58
Neutral
₹138.03B16.351.60%28.47%24.63%
55
Neutral
₹87.19B19.420.60%35.30%41.06%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:CANFINHOME
Can Fin Homes Ltd.
927.70
288.99
45.25%
IN:AAVAS
Aavas Financiers Ltd.
1,455.55
-260.45
-15.18%
IN:APTUS
Aptus Value Housing Finance India Limited
275.65
-34.97
-11.26%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,177.30
188.77
19.10%
IN:INDIASHLTR
India Shelter Finance Corp. Ltd.
802.55
193.35
31.74%
IN:REPCOHOME
Repco Home Finance Ltd.
403.60
31.14
8.36%

Can Fin Homes Ltd. Corporate Events

Can Fin Homes Files Q3 FY26 Earnings Call Transcript with Exchanges
Jan 24, 2026

Can Fin Homes Ltd. has submitted to the stock exchanges the official transcript of its Q3 FY26 earnings conference call, held on January 19, 2026, in compliance with SEBI’s disclosure requirements. The company has also made the transcript available on its website, reinforcing its commitment to transparent communication with investors and other stakeholders regarding its quarterly financial performance.

Can Fin Homes Publishes Q3 and Nine-Month FY2025 Unaudited Results in Newspapers
Jan 19, 2026

Can Fin Homes Limited has notified the stock exchanges that it has published its unaudited standalone financial results for the third quarter and nine months ended December 31, 2025, in the Financial Express (English) and Kannada Prabha (Kannada). The company has also made these results available on its website, in line with regulatory disclosure requirements under SEBI’s Listing Obligations and Disclosure Regulations, ensuring transparency and timely communication to investors and other stakeholders.

Can Fin Homes Clears Q3 FY2025-26 Un-Audited Results, Files SEBI-Mandated Disclosures
Jan 17, 2026

Can Fin Homes Limited’s board of directors has approved the company’s un-audited standalone financial results for the third quarter and nine months ended December 31, 2025, following a recommendation from its audit committee. Alongside the results, the company has submitted to the exchanges a limited review report from its joint statutory central auditors, additional disclosures under SEBI’s listing regulations, a nil statement of deviation in the use of funds, details on utilization of proceeds from non-convertible debentures, and a security cover certificate as of December 31, 2025, reinforcing its regulatory compliance and transparency to investors and other stakeholders.

Can Fin Homes Board Clears Q3 and Nine-Month FY2025 Unaudited Results, Confirms NCD Fund Utilization
Jan 17, 2026

Can Fin Homes Ltd. announced that its Board of Directors, following the Audit Committee’s recommendation, has approved the company’s unaudited standalone financial results for the third quarter and nine months ended 31 December 2025. Alongside the results, the company has submitted the statutory limited review report from its joint auditors, additional disclosures required under SEBI regulations including key line items and security cover details, and confirmed there is no deviation in the use of funds raised through non-convertible debentures, indicating compliance and transparency in its financial reporting and capital utilization for stakeholders and regulators.

Can Fin Homes Releases Q3 FY26 Investor Presentation
Jan 17, 2026

Can Fin Homes Limited has released an investor presentation detailing its financial results for the third quarter of FY26, which has been filed with the stock exchanges in compliance with disclosure regulations and made available on the company’s website. The disclosure underscores the company’s ongoing engagement with investors and regulators and provides stakeholders with updated financial information intended to support informed assessment of its recent performance and business progress.

Can Fin Homes Posts 25% Jump in Q3 Net Profit as Loan Book and Margins Strengthen
Jan 17, 2026

Can Fin Homes reported a strong third quarter for the fiscal year ending December 31, 2025, with net profit rising 25% year-on-year to Rs 265 crore and profit before tax up 27%, driven by improved spreads and net interest margins. The company’s loan portfolio grew 10% to Rs 40,693 crore compared with December 2024, supported by 19% year-on-year growth in loan disbursements over the first nine months, while key return ratios such as ROA and ROE improved and the debt-to-equity ratio declined, indicating healthier profitability and a stronger balance sheet that should reinforce its competitive position in the housing finance market.

Can Fin Homes Moves Q3 FY26 Earnings Call to Online Audio/Video Format
Jan 14, 2026

Can Fin Homes Limited has announced an update regarding its Q3 FY26 earnings conference call, confirming that the call will take place as scheduled on January 19, 2026, at 3:00 pm IST, with participation from senior management including the managing director, deputy managing director, president and chief financial officer. The company has shifted access to the earnings call to audio/video channels only, removing dial-in numbers and issuing a revised invitation with an online access link, underscoring an ongoing move towards digital investor communications and ensuring analysts and investors can still engage with management on the quarterly financial performance.

Can Fin Homes Opens Special Window for Re-lodgement of Physical Share Transfers
Dec 18, 2025

Can Fin Homes Limited has notified the stock exchanges that it has published a newspaper notice about a special window to facilitate the re-lodgement of transfer requests for physical shares. The company has submitted this disclosure under SEBI’s Listing Obligations and Disclosure Requirements and has also made the intimation available on its website, underscoring its compliance with regulatory norms and providing an avenue for shareholders holding physical share certificates to regularise or complete pending transfer requests.

Can Fin Homes Declares Interim Dividend and Re-appoints CEO
Dec 15, 2025

Can Fin Homes Limited announced an interim dividend of Rs. 7 per equity share for the financial year 2025-26, with the record date set for December 19, 2025, and payment to be completed by January 13, 2026. Additionally, the Board approved the re-appointment of Shri Suresh Srinivasan Iyer as Managing Director & CEO for two more years, pending Reserve Bank of India approval, reflecting stability in leadership and potential positive impacts on the company’s strategic direction.

Can Fin Homes Declares Interim Dividend and Re-appoints CEO
Dec 15, 2025

Can Fin Homes Limited announced significant decisions from its recent board meeting, including the declaration of an interim dividend of Rs. 7.00 per equity share for the financial year 2025-26, with a record date set for December 19, 2025. Additionally, the board approved the re-appointment of Shri Suresh Srinivasan Iyer as Managing Director & CEO for another two years, pending approval from the Reserve Bank of India and subsequent shareholder approval.

Can Fin Homes Grants Stock Options to Employees Under ESOP 2024
Nov 29, 2025

Can Fin Homes Limited has announced the grant of 176,377 stock options to its employees under the CFHL Employee Stock Option Scheme 2024. This move, approved by the company’s Nomination Remuneration and HR Committee, is in line with SEBI regulations and aims to incentivize and retain key personnel, potentially enhancing employee engagement and aligning their interests with the company’s growth objectives.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 29, 2025