Can Fin Homes Ltd. (CANFINHOME) AI Stock Analysis

• Market Cap: ₹95.76B
• Dividend Yield: 1.67%
• Average Volume (3M): 10.60K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.30
• Revenue Growth: 9.28%
• EPS Growth: 14.93%
• Country: IN
• Employees: 903
• Sector: Financial
• Sector Strength: 76
• Industry: Financial - Mortgages
• EPS (TTM): 16.91
• Shares Outstanding: 133,154,130
• 10 Day Avg. Volume: 5,730
• 30 Day Avg. Volume: 10,597
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹888.50
• Price Target Upside: 16.20% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 73 Outperform
• Price Target: ₹844.00 ▲(10.38% Upside)

Can Fin Homes Ltd. demonstrates strong financial performance with robust income growth and profitability. The stock's valuation is attractive, supported by a low P/E ratio and reasonable dividend yield. However, technical indicators suggest a lack of strong momentum, and high leverage requires careful management.

Can Fin Homes Ltd. Business Overview & Revenue Model

Company Description

Can Fin Homes Ltd. (CANFINHOME) is a leading housing finance company in India, established in 1987. It primarily focuses on providing housing loans to individuals and families for the purchase, construction, and renovation of residential properties. The company caters to a wide range of customers, including salaried and self-employed individuals, by offering various loan products tailored to meet their diverse financial needs. With a strong presence across the country, Can Fin Homes Ltd. operates through a network of branches, leveraging its expertise to foster affordable housing and financial inclusion.

How the Company Makes Money

Can Fin Homes Ltd. generates revenue primarily through the interest income received from providing housing loans to its customers. The company also earns from processing fees, service charges, and penalties associated with these loans. The interest rates and fee structures are determined based on market conditions, customer profiles, and regulatory guidelines, which allows the company to maintain competitive pricing while ensuring profitability. Additionally, Can Fin Homes Ltd. benefits from strategic partnerships with financial institutions and government schemes that promote housing development, further enhancing its revenue potential. Through prudent risk management and efficient operations, the company maximizes returns on its lending portfolio, contributing to its financial success.

Can Fin Homes Ltd. Financial Statement Overview

Summary

Can Fin Homes Ltd. shows strong income growth and profitability, with effective cost management. The balance sheet reflects high leverage typical for the industry, requiring careful monitoring. Cash flow improvements are promising but need sustained performance.

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	32.29B	38.49B	35.24B	27.42B	19.88B	7.44B
Gross Profit	13.46B	13.61B	34.58B	26.62B	19.16B	7.44B
EBITDA	8.33B	11.66B	9.70B	25.14B	-44.00K	-594.00K
Net Income	8.57B	8.57B	7.51B	6.21B	4.71B	4.56B
Balance Sheet
Total Assets	409.67B	409.67B	366.02B	330.70B	279.44B	220.74B
Cash, Cash Equivalents and Short-Term Investments	3.08B	3.08B	4.59B	3.09B	3.25B	224.47M
Total Debt	348.64B	348.64B	316.45B	286.33B	241.89B	188.87B
Total Liabilities	359.00B	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: 764.60
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 764.6 is above the 20-day moving average (MA) of 751.96, below the 50-day MA of 773.61, and above the 200-day MA of 726.75, indicating a neutral trend. The MACD of -8.93 indicates Positive momentum. The RSI at 50.07 is Neutral, neither overbought nor oversold. The STOCH value of 27.58 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	₹95.76B	11.43		1.67%	9.28%	14.93%
Sector *	68 Neutral	$17.79B	11.64	10.28%	3.76%	9.64%	1.17%
HOMEFIRST	63 Neutral	₹125.89B	27.33		0.30%	33.53%	21.56%
APTUS	61 Neutral	₹159.61B	20.30		1.39%	28.39%	24.27%
REPCOHOME	61 Neutral	₹21.84B	4.71		1.86%	9.72%	7.08%
INDIASHLTR	55 Neutral	₹97.88B	23.64		0.55%	36.66%	39.33%
AAVAS	54 Neutral	₹120.90B	20.62		―	―	―

Can Fin Homes Ltd. Corporate Events

Can Fin Homes Releases Q4 FY25 Investor Presentation

Can Fin Homes Limited has released its Investor Presentation following the Q4 FY25 results, which is now available on their website. This announcement is part of their ongoing communication with stakeholders, reinforcing their commitment to transparency and providing insights into their financial performance and strategic direction.