Can Fin Homes Ltd. (CANFINHOME) AI Stock Analysis

• Market Cap: ₹109.67B
• Dividend Yield: 1.37%
• Average Volume (3M): 9.95K
• Price to Earnings (P/E): 11.7
• Beta (1Y): 1.28
• Revenue Growth: 8.92%
• EPS Growth: 12.32%
• Country: IN
• Employees: 903
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 19.89
• 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): 2.29
• 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: ₹1,100.00
• Price Target Upside: 27.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 75.3
• Revenue Forecast (FY): ₹16.38B

• Rating: 73 Outperform
• Price Target: ₹1,058.00 ▲(22.28% Upside)
• Action: Reiterated Date: 10/29/25
• Date: Action: Reiterated 10/29/25

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 & Profit Growth

Sustained top-line growth and robust net margins signal a scalable lending franchise and disciplined pricing. Over 2-6 months this underpins internal capital generation and reserves for loan growth, supporting reinvestment and resilience to cyclical headwinds.

Improving Cash Generation

A strong operating cash conversion and recent free cash flow recovery indicate improving cash discipline and greater ability to self-fund operations, service debt, and absorb credit stress. Sustained improvement would materially reduce funding reliance.

Healthy ROE & Margins

Healthy ROE combined with strong operating margins points to efficient cost management and profitable loan origination. These durable profitability metrics support capital accumulation and competitive reinvestment over the medium term.

Negative Factors

High Leverage

Elevated leverage increases sensitivity to funding costs and interest-rate moves and reduces balance sheet flexibility. Over months this can constrain growth, amplify earnings volatility, and heighten refinancing and liquidity risks during stress periods.

Historical Cash-Flow Volatility

Prior negative operating and free cash flows reveal past cash-management challenges. If volatility persists, it can force external funding dependence, raise funding costs, and limit capacity to absorb credit losses or support steady loan origination.

Concentrated Mortgage Business & Funding Sensitivity

Concentration in retail mortgage lending ties performance to housing cycles, credit conditions, and funding markets. Structural dependence on interest spreads means margin and growth are vulnerable to sustained funding cost increases or adverse regulatory changes.

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 effective equity utilization. However, high leverage and historical cash flow volatility require careful management.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	40.39B	38.49B	34.97B	27.10B	19.62B	20.06B
Gross Profit	14.78B	13.64B	12.68B	10.12B	8.13B	8.01B
EBITDA	11.72B	10.90B	9.70B	8.36B	6.45B	6.27B
Net Income	9.21B	8.57B	7.51B	6.21B	4.71B	4.56B
Balance Sheet
Total Assets	417.55B	409.67B	370.14B	330.70B	279.44B	220.74B
Cash, Cash Equivalents and Short-Term Investments	3.05B	3.08B	4.59B	3.09B	3.25B	224.47M
Total Debt	359.13B	348.64B	316.45B	286.33B	241.89B	188.87B
Total Liabilities	362.93B	359.00B	322.58B	294.23B	248.78B	194.64B
Stockholders Equity	54.62B	50.67B	43.44B	36.47B	30.67B	26.10B
Cash Flow
Free Cash Flow	-11.80B	9.17B	-25.90B	-40.53B	-39.20B	-8.54B
Operating Cash Flow	-11.73B	9.33B	-25.70B	-40.44B	-39.16B	-8.51B
Investing Cash Flow	1.93B	-7.85B	-1.70B	-3.27B	-13.80B	-282.64M
Financing Cash Flow	9.81B	-1.49B	27.38B	43.70B	52.99B	5.08B

Can Fin Homes Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 865.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CANFINHOME, the sentiment is Negative. The current price of 865.2 is above the 20-day moving average (MA) of 851.87, below the 50-day MA of 887.53, and above the 200-day MA of 830.85, indicating a bearish trend. The MACD of -16.90 indicates Negative momentum. The RSI at 42.26 is Neutral, neither overbought nor oversold. The STOCH value of 45.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	₹109.67B	11.69	―	1.37%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HOMEFIRST	66 Neutral	₹99.99B	20.38	―	0.33%	31.75%	21.70%
REPCOHOME	62 Neutral	₹22.14B	5.62	―	1.61%	8.10%	2.97%
APTUS	58 Neutral	₹105.08B	14.79	―	1.60%	28.47%	24.63%
INDIASHLTR	55 Neutral	₹78.33B	17.57	―	0.60%	35.30%	41.06%
AAVAS	53 Neutral	₹87.54B	17.04	―	―	―	―

Can Fin Homes Ltd. Corporate Events

Can Fin Homes Files Q3 FY26 Earnings Call Transcript with Exchanges

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

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

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

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

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

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

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

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

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

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.