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

₹ 823 -1.20%
21 Nov - close price
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 ₹ 10,961 Cr.
  • Current Price ₹ 823
  • High / Low ₹ 952 / 680
  • Stock P/E 13.4
  • Book Value ₹ 353
  • Dividend Yield 0.73 %
  • ROCE 9.26 %
  • ROE 18.8 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 20.4% CAGR over last 5 years
  • Company's median sales growth is 17.6% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Company might be capitalizing the interest cost

* 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 BSE 250 SmallCap Index BSE Diversified Financials Revenue Growth Index (I Nifty Smallcap 250 BSE Allcap BSE SmallCap

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Quarterly Results

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 468 508 561 611 657 710 764 824 871 901 927 931 962
Interest 271 296 319 356 401 453 491 533 548 566 584 603 616
25 54 76 35 50 49 72 54 122 77 70 71 70
Financing Profit 171 158 166 220 206 208 201 236 201 258 273 258 277
Financing Margin % 37% 31% 30% 36% 31% 29% 26% 29% 23% 29% 29% 28% 29%
0 0 0 0 0 0 1 0 0 1 1 0 0
Depreciation 3 3 2 2 3 3 4 3 3 3 4 3 3
Profit before tax 169 156 164 219 203 205 198 234 198 256 270 255 274
Tax % 27% 26% 25% 26% 30% 26% 16% 22% 20% 22% 23% 22% 23%
124 116 123 162 142 151 166 183 158 200 209 200 211
EPS in Rs 9.29 8.69 9.23 12.18 10.64 11.38 12.45 13.78 11.87 15.03 15.70 14.99 15.88
Gross NPA % 0.78% 0.71% 0.64% 0.65% 0.62% 0.60% 0.55% 0.63% 0.76% 0.91% 0.82% 0.91% 0.88%
Net NPA % 0.47% 0.39% 0.30% 0.30% 0.35% 0.30% 0.26% 0.34% 0.43% 0.49% 0.42% 0.49% 0.47%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 392 578 816 1,083 1,353 1,518 1,727 2,030 2,018 1,988 2,742 3,523 3,722
Interest 283 423 611 744 884 981 1,170 1,345 1,209 1,155 1,702 2,232 2,368
33 46 65 83 95 107 89 158 182 189 205 323 288
Financing Profit 76 109 140 257 373 430 468 528 627 644 835 969 1,066
Financing Margin % 19% 19% 17% 24% 28% 28% 27% 26% 31% 32% 30% 28% 29%
0 0 1 1 1 4 4 0 0 1 1 1 2
Depreciation 1 2 4 3 4 3 3 9 10 10 12 13 13
Profit before tax 75 107 137 254 370 431 470 518 618 635 824 958 1,055
Tax % 28% 29% 37% 38% 36% 34% 37% 27% 26% 26% 25% 22%
54 76 86 157 235 286 297 376 456 471 621 751 820
EPS in Rs 4.07 5.69 6.48 11.80 17.68 21.49 22.29 28.25 34.25 35.38 46.65 56.38 61.60
Dividend Payout % 15% 18% 22% 17% 11% 9% 9% 7% 6% 8% 8% 11%
Compounded Sales Growth
10 Years: 20%
5 Years: 15%
3 Years: 20%
TTM: 17%
Compounded Profit Growth
10 Years: 26%
5 Years: 20%
3 Years: 18%
TTM: 25%
Stock Price CAGR
10 Years: 25%
5 Years: 16%
3 Years: 10%
1 Year: 7%
Return on Equity
10 Years: 19%
5 Years: 18%
3 Years: 18%
Last Year: 19%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 20 20 27 27 27 27 27 27 27 27 27 27 27
Reserves 372 432 745 852 1,050 1,460 1,756 2,123 2,583 3,040 3,621 4,317 4,675
3,539 5,269 7,375 9,444 11,872 13,921 16,880 18,748 19,293 24,648 29,068 31,863 33,790
136 191 188 433 430 322 67 145 171 230 355 395 695
Total Liabilities 4,067 5,912 8,334 10,756 13,379 15,730 18,729 21,044 22,074 27,944 33,070 36,602 39,187
6 8 9 9 10 10 10 38 38 35 45 53 44
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 16 15 15 15 16 16 16 24 50 1,126 1,459 1,459 1,968
4,044 5,889 8,310 10,732 13,352 15,704 18,703 20,981 21,986 26,784 31,566 35,090 37,175
Total Assets 4,067 5,912 8,334 10,756 13,379 15,730 18,729 21,044 22,074 27,944 33,070 36,602 39,187

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
103 114 53 382 -2,356 -2,018 -2,335 -1,842 -851 -3,916 -4,044 -2,570
-3 -1 -4 -11 -7 -2 -4 -13 -28 -1,380 -327 -170
-109 -112 -55 -371 2,363 2,019 2,739 1,826 508 5,299 4,370 2,738
Net Cash Flow -9 1 -6 -0 0 -1 401 -29 -372 2 -1 -1

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 15% 18% 14% 19% 24% 22% 18% 19% 19% 17% 18% 19%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
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% 0.00% 0.00% 9.31% 9.95% 10.35% 10.72% 11.36% 11.06% 11.51% 11.53% 11.68%
22.41% 24.69% 24.80% 23.28% 23.52% 24.97% 27.97% 27.41% 28.46% 27.88% 27.78% 27.51%
47.60% 45.32% 45.21% 37.42% 36.53% 34.68% 31.32% 31.23% 30.48% 30.60% 30.71% 30.82%
No. of Shareholders 1,00,33895,5471,00,3581,18,3861,18,7181,03,82789,48794,58292,79596,91898,2561,06,559

* 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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