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Can Fin Homes Ltd.
(CANFINHOME)
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Rating:58Neutral
Price Target:
₹749.00
▼(-6.96% Downside)
Action:Downgraded
Date:08/06/26
The score is driven primarily by mixed fundamentals: strong profitability and growth are offset by elevated leverage and a historically volatile cash-flow profile. Technicals are notably weak (below key moving averages with negative momentum), while valuation is a supporting positive given the low P/E and moderate dividend yield.
Positive Factors
Sustained revenue growth
Steady multi-year revenue expansion indicates that Can Fin Homes has continued to grow its lending franchise and customer base. A larger loan platform can support recurring interest income and operating scale, providing a durable foundation for earnings over the next several quarters.
Negative Factors
Elevated leverage
High leverage is structurally inherent to mortgage lending but still increases Can Fin Homes’ exposure to funding costs, refinancing needs, and deterioration in asset quality. This can constrain financial flexibility and make earnings and capital resilience more sensitive to adverse credit or funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth
Steady multi-year revenue expansion indicates that Can Fin Homes has continued to grow its lending franchise and customer base. A larger loan platform can support recurring interest income and operating scale, providing a durable foundation for earnings over the next several quarters.
Read all positive factors
Can Fin Homes Ltd. (CANFINHOME) vs. iShares MSCI India ETF (INDA)
Market Cap
₹97.41B
Dividend Yield2.08%
Average Volume (3M)33.14K
Price to Earnings (P/E)8.5
Beta (1Y)1.18
Revenue Growth8.20%
EPS Growth28.17%
CountryIN
Employees1,356
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)84.84
Shares Outstanding133,154,590
10 Day Avg. Volume15,437
30 Day Avg. Volume33,136
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)1.76
Price to Sales (P/S)2.50
P/FCF Ratio10.23
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,050.00Price Target Upside30.43% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)83.92
Revenue Forecast (FY)₹18.19B
Can Fin Homes Ltd. Business Overview & Revenue Model
Company Description
Can Fin Homes Limited specializes in providing financing services for housing, primarily serving individual clients and property developers across India. The company's diverse array of housing loan products includes options for individuals, afford...
How the Company Makes Money
Can Fin Homes primarily makes money through net interest income and fee-based income from its lending operations. (1) Net interest income (core earnings): The company raises funds (e.g., via bank borrowings, market borrowings such as bonds/NCDs, s...
Can Fin Homes Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 42.88B | 42.18B | 38.49B | 34.97B | 27.10B | 19.62B |
| Gross Profit | 16.73B | 16.11B | 13.64B | 12.68B | 10.12B | 8.13B |
| EBITDA | 13.81B | 13.20B | 10.90B | 9.70B | 8.36B | 6.45B |
| Net Income | 11.30B | 10.86B | 8.57B | 7.51B | 6.21B | 4.71B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 443.81B | 405.14B | 370.14B | 330.70B | 279.44B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 3.04B | 3.08B | 4.59B | 3.09B | 3.25B |
| Total Debt | 0.00 | 380.42B | 348.64B | 316.45B | 286.33B | 241.89B |
| Total Liabilities | -59.80B | 384.01B | 354.47B | 326.70B | 294.23B | 248.78B |
| Stockholders Equity | 59.80B | 59.80B | 50.67B | 43.44B | 36.47B | 30.67B |
Cash Flow | ||||||
| Free Cash Flow | -11.80B | 10.31B | 9.17B | -25.90B | -40.53B | -39.20B |
| Operating Cash Flow | -11.73B | 10.48B | 9.33B | -25.70B | -40.44B | -39.16B |
| Investing Cash Flow | 1.93B | -38.37B | -7.85B | -1.70B | -3.27B | -13.80B |
| Financing Cash Flow | 9.81B | 27.89B | -1.49B | 27.38B | 43.70B | 52.99B |
Can Fin Homes Ltd. Technical Analysis
Negative
805.00
Price Trends
798.03
Negative
827.60
Negative
852.09
Negative
Market Momentum
-20.82
Positive
24.36
Positive
4.46
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CANFINHOME, the sentiment is Negative. The current price of 805 is above the 20-day moving average (MA) of 772.15, above the 50-day MA of 798.03, and below the 200-day MA of 852.09, indicating a bearish trend. The MACD of -20.82 indicates Positive momentum. The RSI at 24.36 is Positive, neither overbought nor oversold. The STOCH value of 4.46 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CANFINHOME.
Can Fin Homes Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹285.95B | 12.60 | ― | 0.71% | 10.71% | 13.39% | |
64 Neutral | ₹98.72B | 13.97 | ― | ― | 13.18% | 16.88% | |
63 Neutral | ₹114.32B | 19.75 | ― | 0.47% | 21.42% | 25.43% | |
62 Neutral | ₹116.82B | 11.82 | ― | 1.94% | 20.54% | 23.05% | |
61 Neutral | ₹189.32B | 16.59 | ― | ― | 18.04% | 19.18% | |
58 Neutral | ₹97.41B | 8.48 | ― | 2.08% | 8.20% | 28.17% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:CANFINHOME
Can Fin Homes Ltd.
719.95
-51.10
-6.63%
IN:AADHARHFC
Aadhar Housing Finance Ltd
435.30
-74.50
-14.61%
IN:AAVAS
Aavas Financiers Ltd.
1,213.10
-448.70
-27.00%
IN:APTUS
Aptus Value Housing Finance India Limited
232.65
-86.71
-27.15%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,104.40
-124.40
-10.12%
IN:PNBHOUSING
PNB Housing Finance Limited
1,123.55
248.83
28.45%
Can Fin Homes Ltd. Corporate Events
Can Fin Homes Clears Up to ₹5,000 Crore NCD Programme, Approves ₹900 Crore Tranche
Aug 29, 2026
Can Fin Homes’ board has approved raising up to ₹5,000 crore through the private placement of redeemable non-convertible debentures and bonds, both secured and unsecured, in Indian or foreign currency. The issuances may be done in mult...
Can Fin Homes’ 39th AGM Resolutions Passed Via E-Voting
Jul 29, 2026
Can Fin Homes Ltd. has reported to the NSE and BSE the results of e-voting conducted for its 39th Annual General Meeting held on July 29, 2026. The housing finance company, which serves a broad retail customer base and is widely held in the public...
ICRA Reaffirms Top-Tier Credit Ratings for Can Fin Homes’ Rs 49,138 Crore Borrowing Programs
Jul 10, 2026
Can Fin Homes Ltd. announced that ICRA Limited has reaffirmed the company’s highest credit ratings across a broad suite of borrowing instruments, covering fund-based bank facilities, non-convertible debentures, subordinated debt, commercial ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.