WEBSITE BSE:511196 NSE: CANFIN HOMES Inc. Year: 1987 Industry: Finance - Housing
Last updated: 15:58
Can Fin Homes Ltd. is a housing finance enterprise. The Company offers housing loan to individuals; housing loan to builders/developers, and mortgage in opposition to assets. Its loan portfolio consists of housing loans and non-housing loans. Its housing loan merchandise consist of person home loans and numerous schemes related to the development or buying of properties. Its non-housing loans consist of mortgage loans, loans in opposition to industrial property, site loans, non-public loans, flexi-lap and industrial housing loans. The Company a...Read More
Can Fin Homes Ltd. is a housing finance enterprise. The Company offers housing loan to individuals; housing loan to builders/developers, and mortgage in opposition to assets. Its loan portfolio consists of housing loans and non-housing loans. Its housing loan merchandise consist of person home loans and numerous schemes related to the development or buying of properties. Its non-housing loans consist of mortgage loans, loans in opposition to industrial property, site loans, non-public loans, flexi-lap and industrial housing loans. The Company accepts deposits from the general public, along with fixed deposit and cumulative deposit. Under both kinds, it has standard scheme, the senior citizen scheme and trust deposit scheme. Its deposits encompass Fixed Deposit Scheme for Senior Citizens, Cumulative Deposit Scheme for Senior Citizens, CanFin Trust Fixed Deposit Scheme and CanFin Trust Cumulative Deposit Scheme. It has approximately 170 branches/satellite offices allotted across over 19 States/Union Territories of India. ...Read Less
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Market Cap ₹12242 Cr.
Stock P/E 14.3
P/B 2.2
Current Price ₹919.4
Book Value ₹ 410.2
Face Value 2
52W High ₹970
Dividend Yield 1.31%
52W Low ₹ 558.8
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 824 | 871 | 901 | 927 | 931 | 962 | 986 | 999 | 1020 | 1049 |
| Other Income | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 1 | 0 | 0 |
| Total Income | 824 | 871 | 902 | 928 | 931 | 963 | 986 | 1000 | 1020 | 1049 |
| Total Expenditure | 54 | 122 | 77 | 70 | 71 | 70 | 78 | 82 | 91 | 75 |
| Operating Profit | 770 | 749 | 825 | 858 | 860 | 892 | 908 | 918 | 929 | 974 |
| Interest Expense | 533 | 548 | 566 | 584 | 603 | 615 | 636 | 634 | 648 | 639 |
| Depreciation | 3 | 3 | 3 | 4 | 3 | 3 | 3 | 4 | 3 | 4 |
| Profit Before Tax | 234 | 198 | 256 | 270 | 255 | 274 | 269 | 279 | 278 | 332 |
| Provision for Tax | 50 | 40 | 56 | 61 | 55 | 63 | 57 | 45 | 54 | 80 |
| Profit After Tax | 183 | 158 | 200 | 209 | 200 | 211 | 212 | 234 | 224 | 251 |
| Adjustments | -0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Profit After Adjustments | 183 | 158 | 200 | 209 | 200 | 211 | 212 | 234 | 224 | 251 |
| Adjusted Earnings Per Share | 13.8 | 11.9 | 15 | 15.7 | 15 | 15.9 | 15.9 | 17.6 | 16.8 | 18.9 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 816 | 1083 | 1353 | 1518 | 1727 | 2030 | 2018 | 1988 | 2742 | 3523 | 3878 | 4054 |
| Other Income | 1 | 1 | 0 | 4 | 4 | 0 | 0 | 1 | 1 | 2 | 1 | 1 |
| Total Income | 817 | 1084 | 1353 | 1522 | 1731 | 2030 | 2018 | 1989 | 2743 | 3525 | 3880 | 4055 |
| Total Expenditure | 65 | 83 | 96 | 107 | 89 | 158 | 182 | 189 | 205 | 323 | 301 | 326 |
| Operating Profit | 752 | 1001 | 1258 | 1415 | 1642 | 1873 | 1836 | 1799 | 2538 | 3202 | 3579 | 3729 |
| Interest Expense | 611 | 744 | 884 | 981 | 1169 | 1345 | 1209 | 1155 | 1702 | 2232 | 2489 | 2557 |
| Depreciation | 4 | 3 | 4 | 3 | 3 | 9 | 10 | 10 | 12 | 13 | 13 | 14 |
| Profit Before Tax | 137 | 254 | 370 | 431 | 470 | 518 | 618 | 635 | 824 | 958 | 1077 | 1158 |
| Provision for Tax | 51 | 97 | 135 | 145 | 173 | 142 | 162 | 164 | 203 | 207 | 220 | 236 |
| Profit After Tax | 86 | 157 | 235 | 286 | 297 | 376 | 456 | 471 | 621 | 751 | 857 | 921 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | -2 | -0 | -1 | -1 | -1 | -0 | 0 |
| Profit After Adjustments | 86 | 157 | 235 | 287 | 297 | 374 | 456 | 470 | 621 | 750 | 857 | 921 |
| Adjusted Earnings Per Share | 6.5 | 11.8 | 17.7 | 21.5 | 22.3 | 28.2 | 34.3 | 35.4 | 46.7 | 56.4 | 64.4 | 69.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 10% | 25% | 14% | 17% |
| Operating Profit CAGR | 12% | 26% | 14% | 17% |
| PAT CAGR | 14% | 22% | 18% | 26% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 34% | 19% | 13% | 18% |
| ROE Average | 18% | 19% | 18% | 19% |
| ROCE Average | 9% | 9% | 9% | 9% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 772 | 879 | 1077 | 1487 | 1782 | 2150 | 2610 | 3067 | 3647 | 4344 | 5067 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 5457 | 6965 | 8028 | 10681 | 13133 | 13845 | 12600 | 17903 | 22546 | 20058 | 21351 |
| Current Liability | 2030 | 2785 | 4050 | 3543 | 3805 | 5038 | 6862 | 6973 | 6876 | 12454 | 14415 |
| Other Liabilities & Provisions | 76 | 127 | 223 | -5 | -15 | -23 | -43 | -47 | -47 | 92 | 64 |
| Total Liabilities | 8334 | 10756 | 13379 | 15706 | 18705 | 21010 | 22028 | 27897 | 33022 | 36948 | 40898 |
| Loans | 8202 | 10612 | 12905 | 15644 | 18234 | 20526 | 21891 | 26378 | 31193 | 34553 | 37696 |
| Investments | 15 | 15 | 16 | 16 | 16 | 24 | 50 | 1126 | 1459 | 1459 | 2374 |
| Fixed Assets | 9 | 9 | 10 | 10 | 10 | 38 | 38 | 35 | 45 | 53 | 49 |
| Other Loans | 4 | 5 | 17 | 16 | 23 | 27 | 21 | 26 | 3 | 4 | 7 |
| Other Non Current Assets | 0 | 0 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 5 |
| Current Assets | 103 | 115 | 423 | 21 | 422 | 395 | 28 | 332 | 321 | 875 | 766 |
| Total Assets | 8334 | 10756 | 13379 | 15706 | 18705 | 21010 | 22028 | 27897 | 33022 | 36948 | 40898 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 9 | 3 | 3 | 2 | 1 | 402 | 372 | 1 | 3 | 2 | 1 |
| Cash Flow from Operating Activities | 53 | 382 | -2356 | -2018 | -2335 | -1842 | -851 | -3916 | -4044 | 225 | 933 |
| Cash Flow from Investing Activities | -4 | -11 | -7 | -2 | -4 | -13 | -28 | -1380 | -327 | -170 | -785 |
| Cash Flow from Financing Activities | -55 | -371 | 2363 | 2019 | 2739 | 1826 | 508 | 5299 | 4370 | -56 | -149 |
| Net Cash Inflow / Outflow | -6 | -0 | 0 | -1 | 401 | -29 | -372 | 2 | -1 | -1 | 0 |
| Closing Cash & Cash Equivalent | 3 | 3 | 3 | 1 | 402 | 372 | 1 | 3 | 2 | 1 | 1 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 6.48 | 11.8 | 17.68 | 21.49 | 22.29 | 28.25 | 34.25 | 35.38 | 46.65 | 56.38 | 64.37 |
| CEPS(Rs) | 6.76 | 12.06 | 17.96 | 21.73 | 22.51 | 28.96 | 34.97 | 36.12 | 47.59 | 57.33 | 65.34 |
| DPS(Rs) | 1.4 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3.5 | 6 | 12 |
| Book NAV/Share(Rs) | 57.96 | 65.97 | 80.86 | 111.67 | 133.84 | 161.47 | 196 | 230.31 | 273.91 | 326.23 | 380.57 |
| Net Profit Margin | 10.57 | 14.51 | 17.39 | 18.86 | 17.18 | 18.52 | 22.6 | 23.7 | 22.66 | 21.31 | 22.1 |
| Operating Margin | 91.63 | 92.11 | 92.71 | 93.05 | 94.91 | 91.76 | 90.51 | 90.03 | 92.11 | 90.53 | 91.95 |
| PBT Margin | 16.84 | 23.44 | 27.36 | 28.4 | 27.19 | 25.53 | 30.6 | 31.95 | 30.06 | 27.18 | 27.78 |
| ROA(%) | 1.21 | 1.65 | 1.95 | 1.97 | 1.72 | 1.89 | 2.12 | 1.89 | 2.04 | 2.15 | 2.2 |
| ROE(%) | 14.09 | 19.05 | 24.08 | 22.33 | 18.15 | 19.13 | 19.16 | 16.6 | 18.51 | 18.79 | 18.22 |
| ROCE(%) | 10.79 | 10.8 | 10.78 | 9.96 | 9.62 | 9.42 | 8.54 | 7.21 | 8.36 | 9.28 | 9.39 |
| Price/Earnings(x) | 18.71 | 19.56 | 23.95 | 22.57 | 15.64 | 9.87 | 17.89 | 17.85 | 11.34 | 13.35 | 10.39 |
| Price/Book(x) | 2.09 | 3.5 | 5.23 | 4.34 | 2.6 | 1.73 | 3.13 | 2.74 | 1.93 | 2.31 | 1.76 |
| Dividend Yield(%) | 1.16 | 0.87 | 0.47 | 0.41 | 0.57 | 0.72 | 0.33 | 0.48 | 0.66 | 0.8 | 1.79 |
| EV/Net Sales(x) | 11 | 11.54 | 12.93 | 13.41 | 12.22 | 10.87 | 13.59 | 16.47 | 13.06 | 11.7 | 11.21 |
| EV/Core EBITDA(x) | 11.95 | 12.49 | 13.91 | 14.38 | 12.85 | 11.79 | 14.94 | 18.19 | 14.11 | 12.87 | 12.14 |
| Interest Earned Growth(%) | 41.29 | 32.66 | 24.94 | 12.18 | 13.78 | 17.57 | -0.6 | -1.5 | 37.93 | 28.5 | 10.08 |
| Net Profit Growth | 13.91 | 82.17 | 49.75 | 21.65 | 3.68 | 26.75 | 21.25 | 3.3 | 31.86 | 20.84 | 14.18 |
| EPS Growth(%) | -4.58 | 82.17 | 49.75 | 21.6 | 3.68 | 26.75 | 21.25 | 3.3 | 31.86 | 20.84 | 14.18 |
| Interest Coverage(x) % | 1.23 | 1.34 | 1.42 | 1.44 | 1.4 | 1.39 | 1.51 | 1.55 | 1.48 | 1.43 | 1.43 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 |
| FII | 11.36 | 11.06 | 11.51 | 11.53 | 11.68 | 11.41 | 12.14 | 12.11 | 12.52 | 13.24 |
| DII | 27.42 | 28.46 | 27.89 | 27.78 | 27.51 | 28.07 | 24.59 | 24.53 | 23.88 | 24.7 |
| Public | 31.23 | 30.49 | 30.61 | 30.7 | 30.82 | 30.53 | 33.28 | 33.38 | 33.62 | 32.06 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 3.99 | 3.99 | 3.99 | 3.99 | 3.99 | 3.99 | 3.99 | 3.99 | 3.99 | 3.99 |
| FII | 1.51 | 1.47 | 1.53 | 1.54 | 1.56 | 1.52 | 1.62 | 1.61 | 1.67 | 1.76 |
| DII | 3.65 | 3.79 | 3.71 | 3.7 | 3.66 | 3.74 | 3.27 | 3.27 | 3.18 | 3.29 |
| Public | 4.16 | 4.06 | 4.08 | 4.09 | 4.1 | 4.07 | 4.43 | 4.44 | 4.48 | 4.27 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 13.32 | 13.32 | 13.32 | 13.32 | 13.32 | 13.32 | 13.32 | 13.32 | 13.32 | 13.32 |
* The pros and cons are machine generated.
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