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Can Fin Homes Ltd (CANFINHOME)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511196 NSE: CANFINHOME Finance - Housing | Small Cap | Can Fin Homes Share Price

₹826.35 5.35 (0.65%)

As on 09-Jun'26 16:59

Can Fin Homes Ltd (CANFINHOME)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511196 NSE: CANFINHOME Finance - Housing | Small Cap | Can Fin Homes Share Price

₹826.35 5.35 (0.65%)

As on 09-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹10,932 Cr.
Current Price
₹826.4
52-Week Low / High
₹709 / 970
TTM EPS
₹81.5
Book Value per Share
₹449.1
P/E Ratio
10.07
Lower than its 5-year historical median
Industry PE
13.4
Price to Book (P/B)
1.83
Lower than its 5-year historical median
EV/EBITDA
10.55
Lower than its 5-year historical median
Dividend Yield
1.79%
Profitability Efficiency
Return on Equity (ROE)
18.22%
Return on Capital Employed (ROCE)
9.39%
Return on Assets (ROA)
2.20%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
7.64%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
16.66%
Asset Quality
Gross NPA(%)
0.87%
Net NPA(%)
0.46%
TTM Sales
₹4,216 Cr.
Reserves
₹5,954 Cr.
Equity
₹26.6 Cr.
Face Value
₹2
All Time Low / High
₹2.02 / 970.00

Can Fin Homes stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is Can Fin Homes Ltd a good quality company?
Can Fin Homes Ltd is a good quality company, based on a consistently good multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Can Fin Homes Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Can Fin Homes Ltd vs Industry Peers?
Can Fin Homes Ltd AUM CAGR is 14.25%, compared to the 5-year industry median CAGR of 4.02%, indicating faster growth and gaining its market share.
Q.1 Promoter shareholding and pledge status of Can Fin Homes Ltd?
Promoters hold 29.99% of the Can Fin Homes Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Can Fin Homes Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 13.5% based on the current price.

DeciZen - make an informed investing decision on Can Fin Homes

Decision Maker
Standalone basis

1. Right Stock

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2. Right Price

3. Right Time

#Likely Future 5 Year CAGR.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Can Fin Homes Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)1,0831,3531,5181,7272,0302,0181,9882,7423,5233,8784,216
YoY Gr. Rt. %-24.9%12.2%13.8%17.6%-0.6%-1.5%37.9%28.5%10.1%-
Adj EPS (₹ ) 11.817.721.522.328.334.335.446.756.464.481.5
YoY Gr. Rt. %-49.8%21.6%3.7%26.7%21.2%3.3%31.9%20.9%14.2%-
BVPS (₹ )6680.9111.7133.8161.5196230.3273.9326.2380.6449.1
YoY Gr. Rt. %-22.6%38.1%19.9%20.6%21.4%17.5%18.9%19.1%16.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.7221.71.92.11.922.22.20

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income15.2%13.8%25%10.1%
Adj EPS20.7%17.9%22.1%14.2%
BVPS21.5%18.7%18.2%16.7%
Share Price 13.2% 9.3% 3.7% 2.2%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)000.20.40.500000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 20.718.519.116.422.300000-
Margins
Net Profit Margin (%)14.517.418.917.218.522.623.722.721.322.125.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)19.124.122.318.219.119.216.618.518.818.218.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 1,0841,3531,5221,7312,0302,0181,9892,7433,5253,880
Interest Income1,0831,3531,5181,7272,0302,0181,9882,7423,5233,878
Other Income 25252797281615615197
Exceptional Items 1044001121
Expenditure + 8309841,0911,2621,5121,4011,3531,9192,5672,802
Interest Expense 7448849811,1691,3451,2091,1551,7022,2322,489
Operating Expenses 6175838495111138162184216
Provisions 25252797281615615197
Exceptional Items 0100000000
Profit Before Tax 2543704314705186186358249581,077
Taxes 97135145173142162164203207220
Profit After Tax 157235286297376456471621751857
Adjusted EPS (₹)11.817.721.522.328.334.335.446.756.464.4
Dividend Payout Ratio (%)16.90%11.30%9.30%9%7.10%5.80%8.50%7.50%10.60%18.60%

Valuation of Can Fin Homes - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +8781,0761,4871,7822,1502,6103,0673,6474,3445,067
Share Capital 27272727272727272727
Reserves 8511,0501,4601,7562,1232,5833,0403,6214,3175,041
Short term borrowings1,6263,0813,2403,7474,9036,6936,7456,52311,58713,513
Long Term Borrowings7,0928,25110,67613,11813,82212,55717,85722,49820,15021,416
Current Liabilities 2,7854,0503,5433,8055,0386,8626,9736,87612,45414,415
Trade Payables0293446856
Other Liabilities-1,625-3,083-3,249-3,751-4,908-6,697-6,750-6,531-11,592-13,519
Total Liabilities 10,75613,37915,70618,70521,01022,02827,89733,02236,94840,898

Assets

Non Current Asset +10,64112,95615,68518,28320,61422,00027,56532,70136,07340,132
Loan Asset 10,61212,90515,64418,23420,52621,89126,37831,19334,55337,696
Other Non Current Asset 29514149891081,1871,5081,5202,436
Current Asset +1154232142239528332321875766
Current Investment0000000000
Other Current Asset1154232142239528332321875766
Total Assets 10,75613,37915,70618,70521,01022,02827,89733,02236,94840,898

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 382-2,356-2,018-2,335-1,842-851-3,916-4,044225933
Cash Flow From Investing Activity -11-7-2-4-13-28-1,380-327-170-785
Cash Flow From Financing Activity -3712,3632,0192,7391,8265085,2994,370-56-149
Net Cash Flow -00-1401-29-3722-1-10

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)5988.4021.5022.3028.3034.3035.4046.7056.4064.40
DPS (₹)1010222233.50612
BVPS (₹)329.8404.3111.7133.8161.5196230.3273.9326.2380.6

Performance Ratios

ROA (%)1.72.02.01.71.92.11.92.02.22.2
ROE (%)19.124.122.318.219.119.216.618.518.818.2
ROCE (%)10.810.810.09.69.48.57.28.49.39.4

Valuation Parameters

Price/Book(x)3.55.24.32.61.73.12.71.92.31.8

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Can Fin Homes Ltd FAQs

The current trading price of Can Fin Homes on 09-Jun-2026 16:59 is ₹826.4.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 08-Jun-2026 the market cap of Can Fin Homes stood at ₹10,932 Cr

The latest P/E ratio of Can Fin Homes as of 08-Jun-2026 is 10.07.

The latest P/B ratio of Can Fin Homes as of 08-Jun-2026 is 1.83.

The 52-week high of Can Fin Homes is ₹970.0 and the 52-week low is ₹709.0.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Can Fin Homes is ₹4,216 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Can Fin Homes Ltd is a good quality company.

The key valuation ratios of Can Fin Homes Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Can Fin Homes Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About Can Fin Homes Ltd

Can Fin Homes (CFHL), founded in 1987, has emerged as one of India’s most trusted housing finance institutions. Headquartered in Bengaluru, the company operates through many branches, including Affordable Housing Loan Centres, across States and Union Territories. CFHL focuses on affordable and mid-income housing finance. It primarily caters to first-time home buyers with a prudent credit strategy covering the salaried and professional segment. 

Business area of the company

The company is engaged in the business of housing finance and is registered with the National Housing Bank. 

Milestones

  • 1987: 1st branch of CFHL inaugurated at Jayanagar, Bangalore on December 26.
  • 1988: Opened fist branch outside South India at Delhi
  • 1989: 11 more branches added, including New Delhi
  • 1991: The company’s loan book size crossed Rs 100 crore
  • 2011: 41 branches - Can Fin starts expansion
  • 2012: Completed 25 Years
  • 2012: Disbursements crossed Rs 1000 crore
  • 2012: 50th Branch of Can Fin opened at NCR-Pitampura
  • 2013:  Migrated to CBS platform (Integrated Business Suite) Loan Book size crossed 10,000 crore
  • 2014: Operating Profit crossed Rs 100 crore
  • 2014: 100th Branch of Can Fin at Begur, B’lore inaugurated on July 05.
  • 2014: Opened first Satellite Office ISO) at Yelahanka (have 36 SOs now)
  • 2014: Received AAA Rating for loans/NCDs, Al for CP
  • 2015: Net Profit surpassed Rs 100 crore mark
  • 2015: Raised Rs 276 crore capital under Rights Issue (March 2015)
  • 2015: Became a mid-cap stock (Rs 1000 crore mCap)
  • 2015: Became a mid-cap stock (Rs 1000 crore mCap)
  • 2015: The company’s Share price crossed Rs 1000 on stock exchanges on October 09, 2015
  • 2016: Loon Book surpassed Rs 10,000 crore mark on January 31, 2016
  • 2016: mCap crossed Rs 3000 crore as on March 31.
  • 2016: Opened 120th Branch & 50th Satellite Office during Apr-May
  • 2017: Can Fin Homes enters 30th year of its service to the society
  • 2017: Loan Book ahead of Rs 3000 crore (as at mar 17)
  • 2017: Fresh approvals crossed Rs 5000 crore matt for the FY
  • 2017: The HFC which was least affected by Demonetisation
  • 2017: Crossed outstanding clientele base of 1,00,000 for the first time
  • 2017: Opened 15 Affordable Housing Loan Centres (AHLC)
  • 2018: Runner-up in NBFC category FY17 by FE India's Best Banks Awards 2018
  • 2018: Foray into distribution of fife Insurance products through Corporate Agency
  • 2018: Can Fin Homes made its foray into the states of Punjab and West Bengal
  • 2019: Foray into distribution of general insurance products through Corporate Agency
  • 2019: Loan book crossed Rs 20000 crore.
  • 2021: ET Edge Promising Brand Award to Can Fin Homes.
  • 2022: Successful completion of 35 years.
  • 2023: Loan book crossed Rs 30000 crore.
  • 2024: mCap crossed Rs 10000 crore.
  • 2025: AUM crossed Rs 38,000 crore.
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