Can Fin Homes Ltd. (CANFINHOME) AI Stock Analysis

• Market Cap: ₹114.71B
• Dividend Yield: 1.37%
• Average Volume (3M): 9.95K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 1.35
• Revenue Growth: 8.92%
• EPS Growth: 12.32%
• Country: IN
• Employees: 903
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 18.90
• Shares Outstanding: 133,154,130
• 10 Day Avg. Volume: 13,995
• 30 Day Avg. Volume: 9,947
• PEG Ratio: 0.73
• Price to Book (P/B): 1.74
• Price to Sales (P/S): 2.28
• P/FCF Ratio: 9.64
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,007.50
• Price Target Upside: 14.30% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ₹964.00 ▲(9.37% 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.

Can Fin Homes Ltd. Business Overview & Revenue Model

Company Description

Can 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 Money

Can 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 a robust net profit margin. The balance sheet reflects healthy return on equity but is marked by high leverage, typical for the industry. Cash flow improvements are promising, though historical volatility suggests the need for ongoing attention.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	33.18B	38.79B	35.24B	27.42B	19.88B	20.18B
Gross Profit	14.02B	13.19B	34.58B	26.62B	19.16B	19.70B
EBITDA	8.57B	11.66B	9.70B	25.14B	-44.00K	-594.00K
Net Income	8.81B	8.57B	7.51B	6.21B	4.71B	4.56B
Balance Sheet
Total Assets	0.00	409.67B	370.14B	330.70B	279.44B	220.74B
Cash, Cash Equivalents and Short-Term Investments	0.00	3.08B	4.59B	3.09B	3.25B	224.47M
Total Debt	0.00	348.64B	316.45B	286.33B	241.89B	188.87B
Total Liabilities	-50.67B	359.00B	322.58B	294.23B	248.78B	194.64B
Stockholders Equity	50.67B	50.67B	43.44B	36.47B	30.67B	26.10B
Cash Flow
Free Cash Flow	0.00	9.17B	-25.90B	-40.53B	-39.20B	-8.54B
Operating Cash Flow	0.00	9.33B	-25.70B	-40.44B	-39.16B	-8.51B
Investing Cash Flow	0.00	-7.85B	-1.70B	-3.27B	-13.80B	-282.64M
Financing Cash Flow	0.00	-1.49B	27.38B	43.70B	52.99B	5.08B

Can Fin Homes Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 881.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 881.45 is above the 20-day moving average (MA) of 838.67, above the 50-day MA of 792.11, and above the 200-day MA of 733.52, indicating a bullish trend. The MACD of 24.72 indicates Negative momentum. The RSI at 71.92 is Negative, neither overbought nor oversold. The STOCH value of 67.90 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	73 Outperform	₹114.71B	12.45	―	1.37%	8.92%	12.32%
REPCOHOME	73 Outperform	₹28.12B	6.06	―	0.59%	9.72%	7.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AAVAS	64 Neutral	₹129.89B	22.11	―	―	―	―
APTUS	62 Neutral	₹147.62B	17.48	―	1.54%	28.47%	24.63%
HOMEFIRST	62 Neutral	₹123.83B	26.81	―	0.33%	31.75%	21.70%
INDIASHLTR	55 Neutral	₹92.55B	20.66	―	0.57%	35.30%	41.06%

Can Fin Homes Ltd. Corporate Events

Can Fin Homes Releases Q2 FY26 Earnings Call Transcript

Can Fin Homes Limited has released the transcript of its Q2 FY26 earnings conference call, which took place on October 20, 2025. This release provides stakeholders with insights into the company’s financial performance and strategic direction for the quarter. The availability of the transcript on the company’s website ensures transparency and accessibility for investors and analysts, potentially impacting the company’s market perception and investor relations.

Can Fin Homes Discusses Q2 FY26 Results and Future Prospects

Can Fin Homes Limited conducted an earnings call to discuss its Q2 FY26 financial results and future business prospects. The call, attended by the company’s top management and moderated by Investec Capital Services, covered topics such as asset quality, growth, borrowings, and profitability. The discussions highlighted the company’s strategic focus on expanding its loan book and improving financial metrics, which are crucial for its market positioning and stakeholder interests.

Can Fin Homes Releases Q2 Financial Results

Can Fin Homes Ltd. announced the publication of its un-audited standalone financial results for the second quarter and half-year ending September 30, 2025. The results were published in Financial Express and Kannada Prabha, and are accessible via a QR code and weblink. This disclosure aligns with regulatory requirements and provides stakeholders with timely financial insights, potentially impacting investor confidence and market positioning.

Can Fin Homes Ltd. Reports Strong Q2 Financial Performance

Can Fin Homes Ltd. has released its un-audited financial results for the second quarter and half-year ending September 30, 2025. The company reported a total income of ₹1,04,945.34 lakhs for the quarter, with a net profit after tax of ₹25,142.82 lakhs. The results indicate a positive financial performance compared to the previous year, showcasing growth in both income and profit. The announcement includes a QR code and weblink for stakeholders to access the complete financial results, reflecting the company’s commitment to transparency and stakeholder engagement.

Can Fin Homes Limited Announces Successful Postal Ballot Resolution

Can Fin Homes Limited announced the results of a postal ballot where an ordinary resolution was passed by a majority of its members through remote e-voting. This development highlights the company’s adherence to regulatory requirements and its commitment to transparent governance practices, potentially reinforcing stakeholder confidence.

Can Fin Homes Ltd. Engages with Analysts and Investors in Mumbai

Can Fin Homes Ltd. announced that its top management will participate in analyst and investor meetings organized by Antique Limited in Mumbai on August 21, 2025. This engagement reflects the company’s proactive approach to investor relations and transparency, potentially enhancing its market presence and stakeholder confidence.

Can Fin Homes Discusses Q1 Financial Performance and Future Prospects

Can Fin Homes Limited recently held an Analyst/Investor meeting to discuss its Q1 FY 25-26 financial results and future business prospects. Key topics included net interest margin, growth, loan book, profitability, and asset quality, which are crucial for understanding the company’s operational and market positioning.

Can Fin Homes Engages with Investors on Financial Outlook

Can Fin Homes Ltd. recently participated in a series of investor and analyst meetings in Mumbai, where key executives discussed the company’s Q1 FY 25-26 financial results and future business prospects. The discussions covered topics such as net interest margin, growth, profitability, and asset quality, providing insights into the company’s strategic direction and potential impact on stakeholders.

Can Fin Homes to Engage with Analysts and Investors at Equirus Conference

Can Fin Homes Ltd. has announced its participation in a series of Analyst and Investor Meetings organized by Equirus Securities, scheduled to take place in Mumbai on August 19, 2025. This engagement is part of the Equirus Annual India Conference and aims to enhance the company’s visibility and strengthen relationships with key stakeholders in the financial sector.