Can Fin Homes Ltd.
NSE: CANFINHOMECan Fin Homes Ltd.: A 30-second snapshot
Can Fin Homes (CANFINHOME) is an HFC subsidiary of Canara Bank, trading at Rs 849.55 -- essentially flat against its 50-DMA (Rs 850.28) and 0.6% above its 200-DMA (Rs 844.52). FY26 net profit reached Rs 1,085 crore (EPS Rs 81.54), with Q4 disbursements of Rs 10,531 crore and GNPA of 0.85%, while the stock has gained 19.7% over 12 months but pulled back 5.48% over the past 3 months.
P/E
10.4
Forward P/E
8.9
ROE
+19.7%
Debt / Equity
637.09
Profit Margin
+67.3%
Div. Yield
+1.6%
5Y ROE > 15%
4/5
5Y FCF > 0
1/5
Quality
65/100
News
7 headlines · 4 positive · 0 negative
Can Fin Homes Q4 FY26: Disbursements INR10,531cr, GNPA 0.85%, Two Investor Meets Held - scanx.trade
scanx.trade
Can Fin Homes Q4 Results: 47% YoY Profit Jump to ₹345 Cr, Revenue Up 9% - scanx.trade
scanx.trade
CANFINHOME: FY26 net profit rose to ₹1,08,575.23 lakhs, with EPS at ₹81.54 and robust asset quality - TradingView
TradingView
Can Fin Homes Posts 31% Q4 Profit Surge as Loan Book and Margins Strengthen - TipRanks
TipRanks
Can Fin Homes to Participate in Investec Capital Services Investor Conference - scanx.trade
scanx.trade
Recent context
- ·Q4 FY26 results released April 2026: disbursements of Rs 10,531 crore, net profit Rs 345 crore (+47% YoY), GNPA 0.85%; management held two investor meets and participated in the Investec Capital Services investor conference in April-May 2026.
- ·FY26 full-year net profit rose to Rs 1,085 crore with EPS of Rs 81.54; loan book and margins were described as strengthening in April 2026 coverage.
- ·The stock is 12.55% below its 52-week high with RSI at 46.37 (neutral); support levels are identified at Rs 785.05 and Rs 772, with resistance at Rs 888.15, Rs 910, and Rs 943.90.
Strengths
- +ROE of 19.66% ranks 1st among the 6 Banking sector peers tracked, ahead of BAJFINANCE (17.91%), HDFCBANK (13.82%), BAJAJFINSV (14.6%), and AXISBANK (13.15%).
- +5-year earnings CAGR of 47.8% and revenue CAGR of 24.3% reflect sustained loan-book expansion; FY26 Q4 profit of Rs 345 crore was 47% above the prior-year quarter.
- +PE of 10.4x (forward PE 8.9x) is the lowest among the 6 peers tracked -- a 40% discount to HDFCBANK (17.1x) and a 65% discount to BAJFINANCE (29.9x).
- +GNPA of 0.85% in Q4 FY26 signals controlled credit quality; asset quality has not deteriorated despite a 24.3% 5-year revenue CAGR in loan disbursements.
Weaknesses
- −D/E of 637.09 with a rising debt trend means the balance sheet is structurally leveraged; even a moderate increase in funding costs would flow directly into NIM compression.
- −FCF-positive in only 1 of the tracked years: the business model requires continuous capital raising to fund loan-book growth, creating dependence on market borrowing conditions.
- −Analyst consensus data is unavailable for this name despite 15 analysts tracked, reducing the ability to benchmark sell-side sentiment against peers.
- −ROE above 15% in only 4 of the tracked years indicates the high-return profile has not been sustained across all measured periods; a credit cycle deterioration could compress both ROE and margins simultaneously given the leverage profile.
Open questions
- ?How does Can Fin Homes' funding mix (bank lines vs. market NCDs vs. NHB refinance) compare to HFC peers, and how sensitive is the NIM to a 50 bps rate move in either direction?
- ?Is the 47.8% 5-year earnings CAGR primarily driven by loan-book volume expansion, NIM improvement, or credit-cost reduction -- and which of these drivers is most durable through a full credit cycle?
- ?What is the historical relationship between CANFINHOME's PE multiple and the RBI rate cycle, and does the current 10.4x PE already price in rate-driven NIM pressure?
- ?How does the 0.85% GNPA compare to the company's own historical range across economic cycles, and what proportion of the loan book is in segments such as affordable housing or LAP with higher historical default rates?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CANFINHOME | Can Fin Homes Ltd.You're viewing | 10.4 | +19.7% | 67 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹849.55
SMA 50
₹850.28
SMA 200
₹844.52
RSI (14)
46.4 (neutral)
From 52w high
-12.6%
1Y return
+19.7%
3M return
-5.5%
50-DMA
Below
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highDebt-to-equity of 637.09 is structurally characteristic of housing finance companies (HFCs), which fund loan books via market borrowings; however, the rising debt trend in persistence data indicates leverage is accelerating, and any interest-rate shock or liquidity tightening would directly compress net interest margins.
- mediumFCF-positive in only 1 of the tracked years; HFCs are inherently cash-consumptive as loan disbursements outpace collections, so reported net profit of Rs 1,085 crore in FY26 does not translate to equivalent free cash generation.
- mediumAnalyst consensus rating is unavailable despite 15 analysts tracked; the absence of a consensus number limits aggregated sell-side comparability for this name.
- low1Y price change data is null for all 5 sector peers, making relative price-return ranking unavailable; additionally, the peer set (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE) is large-cap banking rather than HFC-specific, which may affect the relevance of PE and ROE comparisons.
Cross-section contradictions
- Q4 FY26 net profit rose 47% YoY to Rs 345 crore and FY26 GNPA stands at 0.85%, yet the stock is down 5.48% over 3 months and 12.55% below its 52-week high on no negative news in the 7 tracked headlines -- improving reported fundamentals and recent price weakness are diverging.
- 5-year earnings CAGR of 47.8% and ROE of 19.66% exceed all 5 Banking sector peers listed, yet the stock trades at a PE of 10.4x versus HDFCBANK at 17.1x and BAJFINANCE at 29.9x; the discount is substantial and may reflect HFC-specific structural leverage concerns or sector classification mismatch.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days