Can Fin Homes Ltd

Can Fin Homes Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Can Fin Homes Ltd

₹ 716 -1.37%
29 Apr 10:58 a.m.
canfinhomes.com BSE: 511196 NSE: CANFINHOME
About

Can Fin Homes Ltd. is a deposit-taking housing finance company (HFC) registered with National Housing Bank (NHB).Canara Bank holds 29.99% stake in the company. It primarily provides relatively smaller ticket-sized housing loans to salaried & professional and self-employed non-professional (SENP) borrowers.[1]

Key Points

Key Ratio FY24[1][2]
NIM : 3.73% vs (3.45% - FY23)
Cost of borrowing: 7.4% vs (6.54% - FY23)
Cost to Income Ratio: 16..74% vs (16.93% - FY23)
Gross NPA: 0.82% vs (0.55%- FY23)
Net NPA: 0.42% vs (0.26% - FY23)
Capital Adequecy Ratio: 24.61% [3]
PCR: 80% vs (101% - FY23)[4]

Website BSE NSE
  • Market Cap ₹ 9,534 Cr.
  • Current Price ₹ 716
  • High / Low ₹ 952 / 558
  • Stock P/E 11.1
  • Book Value ₹ 381
  • Dividend Yield 0.83 %
  • ROCE 9.34 %
  • ROE 18.2 %
  • Face Value ₹ 2.00
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Pros

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 30.0%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

Part of Nifty Total Market BSE Financial Services BSE 250 SmallCap Index BSE 400 MidSmallCap Index Nifty 500 Multicap 50:25:25

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Quarterly Results

Figures in Rs. Crores

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
561 611 657 710 764 824 871 901 927 931 962 986 999
Interest 319 356 401 453 491 533 548 566 584 603 616 636 634
76 35 50 49 72 54 122 77 70 71 70 78 82
Financing Profit 166 220 206 208 201 236 201 258 273 258 277 272 282
Financing Margin % 30% 36% 31% 29% 26% 29% 23% 29% 29% 28% 29% 28% 28%
0 0 0 0 1 0 0 1 1 0 0 0 1
Depreciation 2 2 3 3 4 3 3 3 4 3 3 3 4
Profit before tax 164 219 203 205 198 234 198 256 270 255 274 269 279
Tax % 25% 26% 30% 26% 16% 22% 20% 22% 23% 22% 23% 21% 16%
123 162 142 151 166 183 158 200 209 200 211 212 234
EPS in Rs 9.23 12.18 10.64 11.38 12.45 13.78 11.87 15.03 15.70 14.99 15.88 15.93 17.57
Gross NPA % 0.64% 0.65% 0.62% 0.60% 0.55% 0.63% 0.76% 0.91% 0.82% 0.91% 0.88% 0.92%
Net NPA % 0.30% 0.30% 0.35% 0.30% 0.26% 0.34% 0.43% 0.49% 0.42% 0.49% 0.47% 0.50%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
578 816 1,083 1,353 1,518 1,727 2,030 2,018 1,988 2,742 3,523 3,878
Interest 423 611 744 884 981 1,170 1,345 1,209 1,155 1,702 2,232 2,488
46 65 83 95 107 89 158 182 189 205 323 301
Financing Profit 109 140 257 373 430 468 528 627 644 835 969 1,089
Financing Margin % 19% 17% 24% 28% 28% 27% 26% 31% 32% 30% 28% 28%
0 1 1 1 4 4 0 0 1 1 1 1
Depreciation 2 4 3 4 3 3 9 10 10 12 13 13
Profit before tax 107 137 254 370 431 470 518 618 635 824 958 1,077
Tax % 29% 37% 38% 36% 34% 37% 27% 26% 26% 25% 22% 20%
76 86 157 235 286 297 376 456 471 621 751 857
EPS in Rs 5.69 6.48 11.80 17.68 21.49 22.29 28.25 34.25 35.38 46.65 56.38 64.37
Dividend Payout % 18% 22% 17% 11% 9% 9% 7% 6% 8% 8% 11% 19%
Compounded Sales Growth
10 Years: 17%
5 Years: 14%
3 Years: 25%
TTM: 10%
Compounded Profit Growth
10 Years: 26%
5 Years: 18%
3 Years: 22%
TTM: 14%
Stock Price CAGR
10 Years: 18%
5 Years: 18%
3 Years: 7%
1 Year: -3%
Return on Equity
10 Years: 19%
5 Years: 18%
3 Years: 18%
Last Year: 18%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 20 27 27 27 27 27 27 27 27 27 27 27
Reserves 432 745 852 1,050 1,460 1,756 2,123 2,583 3,040 3,621 4,317 5,041
Borrowing 5,269 7,375 9,444 11,872 13,921 16,880 18,748 19,293 24,648 29,068 31,863 35,051
191 188 433 430 322 67 145 171 230 355 395 849
Total Liabilities 5,912 8,334 10,756 13,379 15,730 18,729 21,044 22,074 27,944 33,070 36,602 40,967
8 9 9 10 10 10 38 38 35 45 53 50
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 15 15 15 16 16 16 24 50 1,126 1,459 1,459 2,374
5,889 8,310 10,732 13,352 15,704 18,703 20,981 21,986 26,784 31,566 35,090 38,543
Total Assets 5,912 8,334 10,756 13,379 15,730 18,729 21,044 22,074 27,944 33,070 36,602 40,967

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
114 53 382 -2,356 -2,018 -2,335 -1,842 -851 -3,916 -4,044 -2,570 933
-1 -4 -11 -7 -2 -4 -13 -28 -1,380 -327 -170 -785
-112 -55 -371 2,363 2,019 2,739 1,826 508 5,299 4,370 2,738 -149
Net Cash Flow 1 -6 -0 0 -1 401 -29 -372 2 -1 -1 0

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 18% 14% 19% 24% 22% 18% 19% 19% 17% 18% 19% 18%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99% 29.99%
0.00% 9.31% 9.95% 10.35% 10.72% 11.36% 11.06% 11.51% 11.53% 11.68% 11.41% 12.14%
24.80% 23.28% 23.52% 24.97% 27.97% 27.41% 28.46% 27.88% 27.78% 27.51% 28.14% 24.66%
45.21% 37.42% 36.53% 34.68% 31.32% 31.23% 30.48% 30.60% 30.71% 30.82% 30.46% 33.20%
No. of Shareholders 1,00,3581,18,3861,18,7181,03,82789,48794,58292,79596,91898,2561,06,5591,11,7181,09,340

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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