Can Fin Homes Ltd
CANFINHOMECan Fin Homes Ltd is coiled. The quarters are improving, yet the P/BV sits at the 1st percentile of its own 10-year range — the business is moving before the market.
The sharpest disagreement: Domestic institutions moved −3.3 points over 8 quarters while the operating story went the other way — someone close to the numbers is not convinced.
The price is in a confirmed uptrend (5 weeks in) while the P/BV sits at the 1st percentile of its own 10-year range. Underneath, the last four quarters read improving — profit +19.6% year on year, and gross NPA has eased to 0.85%. What settles it: whether the register turns back in the story’s favour.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Can Fin Homes Ltd trades at ₹889, in a confirmed uptrend and 5 weeks into that stage. That is +4.0% against its own 200-day average. It sits at 77% of a 52-week range of ₹718 to ₹940. On relative strength it has been ahead of the NIFTY 500 on a trailing-13-week view for 2 straight weeks.
Today the stock is in a confirmed uptrend — week 5 of stage 2, confirmed. At ₹889 it trades +4.0% versus its 200-day average and sits at 77% of its 52-week range (₹718–₹940).
Against the market, two honest reads. Cumulative: over the last 10.3 years the stock moved +341% while the NIFTY 500 moved +274% — ahead of the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 2 straight weeks — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
→ The trend is one thing; the bill is another. Are you paying up for it? Next: the P/BV sits at the 1st percentile of its own range.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each ₹1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Can Fin Homes Ltd trades at 1.8× P/BV, about the cheapest it has ever traded. Its long-run median P/BV is 2.7×, measured across 10.4 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 1.8× is about the cheapest it has ever traded, against a long-run median of 2.7× measured over 10.4 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
One caveat before moving on: the net margin is the best this company has ever printed — cheap against its own history on record margins is not the same thing as cheap. If profitability mean-reverts, today's multiple is higher than it looks.
Why the multiple sits where it does: over the past year book value grew while the price moved +8.9% — price and book moved together, holding the multiple in its range.
The price move, decomposed: over 5y, of the +10.5%/yr price move, ~+22.9%/yr came from book-value growth and ~−12.4 pp from the multiple (compressing); over 10y, of the +13.5%/yr price move, ~+21.3%/yr came from book-value growth and ~−7.8 pp from the multiple (compressing). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.
Put together: the multiple is low against its own past, so the story rests on the book-value line underneath it, not the multiple.
→ Cheap or dear rides on the earnings. Are they actually growing? Next: the fundamental stage — where the business sits in its arc, and how growth has compounded.
Stage: Consistent Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Can Fin Homes Ltd reads as consistent on its fundamental arc. Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 18.9% and holding. The read is built from 12 quarters across 4 curves, on full evidence.
Why it matters: steady curves with healthy returns are the compounding setup — the risk is the price, not the business.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +8.7% | +15.4% | +15.9% | +14.6% |
| Profit | +26.7% | +20.5% | +19.0% | +21.3% |
| EPS | +26.7% | +20.5% | +18.9% | +21.3% |
| Share price | +8.9% | +3.5% | +10.5% | +13.5% |
→ The stage names the trajectory. Next: the revenue line that produces it, quarter by quarter.
4-Factor Sector Score
73.0/100 — rank 1 of 13 in Finance - Housing · 87% evidence confidence
Can Fin Homes Ltd scores 73.0 out of 100 against the 13 companies it is compared with in Finance - Housing, ranking 1. Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence.
The four contributions add to the total exactly: 25.8 + 16.5 + 15.3 + 15.4 = 73. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fee and other income.
Can Fin Homes Ltd reported ₹1,096 Cr of income in the Jun 26 quarter, +7.5% year on year. That is the 11th straight quarter of year-on-year growth. Over 10 years it has compounded at 14.6% a year. The last full year, FY26, came in at ₹4,217 Cr. The last four reported quarters add to ₹4,292 Cr.
Can Fin Homes Ltd reported ₹1,096 Cr of income in the Jun 26 quarter, +7.5% year on year. That is the 11th straight quarter of year-on-year growth. Over 10 years it has compounded at 14.6% a year. The last full year, FY26, came in at ₹4,217 Cr. The last four reported quarters add to ₹4,292 Cr.
FY26 revenue came in at ₹4,217 Cr (+8.7% on the year), capping 10 years at 14.6% compound. The latest quarter (Jun 26) printed ₹1,096 Cr, +7.5% year on year — the 11th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +8.2% growth against the decade's 14.6% — the current year is running slower than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +8.2% over the last 4 quarters against +8.7%/yr over the last 8 — stabilising; TTM profit +28.3% vs +21.4%/yr — accelerating.
→ Revenue grew — did the net margin hold as it scaled? Next: 24.5% this quarter (+2.5 pp YoY).
Net margin Net margin — what the bank keeps of every ₹100 of revenue after every cost, provision and tax. It is the cleanest single margin we can read for a lender.
Can Fin Homes Ltd's net margin is 24.5% in the Jun 26 quarter, +2.5 percentage points against the same quarter a year ago. That is the widest this company has ever printed on a full-year basis. Across 13 fiscal years the net margin has ranged 10.5% to 25.8%. The current quarter sits inside that band.
Can Fin Homes Ltd's net margin is 24.5% in the Jun 26 quarter, +2.5 percentage points against the same quarter a year ago. That is the widest this company has ever printed on a full-year basis. Across 13 fiscal years the net margin has ranged 10.5% to 25.8%. The current quarter sits inside that band.
The latest quarter's net margin is 24.5%, +2.5 pp against the same quarter a year ago. Across 13 fiscal years the net margin has ranged 10.5%–25.8%, and FY26's 25.8% is the top of that band — a record year.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Worth repeating from the valuation section: cheap against its own history on record margins is not the same thing as cheap — a record margin flatters every ratio built on top of it.
→ The net margin held — did that reach the bottom line? Next: profit +19.6% in the latest quarter.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Can Fin Homes Ltd earned ₹268 Cr of net profit in the Jun 26 quarter, +19.6% year on year. It is the 11th consecutive quarter of growth. Full-year FY26 profit was ₹1,086 Cr. The 10-year compound rate is 21.3%. That is 24.5% of the quarter's revenue. The same quarter a year earlier earned ₹224 Cr.
Can Fin Homes Ltd earned ₹268 Cr of net profit in the Jun 26 quarter, +19.6% year on year. It is the 11th consecutive quarter of growth. Full-year FY26 profit was ₹1,086 Cr. The 10-year compound rate is 21.3%. That is 24.5% of the quarter's revenue. The same quarter a year earlier earned ₹224 Cr.
Jun 26 profit was ₹268 Cr, +19.6% year on year — the 11th consecutive quarter of growth. On the full year, FY26 printed ₹1,086 Cr (+26.7%), and the 10-year compound rate is 21.3%.
Why profit moved: revenue contributed +7.5% and the margin +2.5 pp — the quarter was margin-led: most of the profit growth came from keeping more of each sale.
Pace comparison, last four quarters: profit +27.9% vs revenue +8.2%. Profit is growing faster than sales — fixed costs are being spread over a bigger base, and each extra rupee of revenue drops more to the bottom line.
→ Profit is up — how clean is the loan book behind it? Next: gross NPA is 0.85%, 3 quarters better in a row.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Can Fin Homes Ltd's gross NPA is 0.85% of the loan book in Mar 26, down from 0.87% a year ago. Net of provisions already set aside, 0.37% remains. That is the 3rd straight quarter of improvement. Across the 11 quarters held here the book has ranged 0.76% to 0.98%.
Mar 26: gross NPA at 0.85% and net NPA at 0.37%, against 0.87% / 0.46% a year ago. Over the 11 quarters we hold, the book's worst reading was 0.98% and its best is 0.76%. The ladder has now improved for 3 consecutive quarters.
The synthesis: profit growth at a bank is only as good as the book behind it, and this book is healing on a multi-quarter streak. A note on depth: quarterly provisioning detail is not in our numbers yet, so this ladder reads levels and trend, not the cost of the cleanup.
Why the ladder moved: recoveries, write-offs and slippages each play a part, and that split sits below what we hold — the numbers show the healing; the driver mix does not travel with them.
→ Behind a cleaner book — is the book itself still growing? Next: revenue grew +8.7% in FY26.
The loan book We read the loan book through revenue — when the book grows, revenue grows with it. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Can Fin Homes Ltd's revenue grew +8.7% in FY26 to ₹4,217 Cr, so the book is growing. The latest quarter ran +7.5% year on year. The net margin on that income is 24.5%, +2.5 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY26 revenue was ₹4,217 Cr, +8.7% on the year, and the latest quarter ran +7.5% year on year. The net margin on that revenue is 24.5% this quarter (+2.5 pp YoY) — growth with a widening margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — gross NPA is the loan-quality read we carry here.
→ Does all of this actually earn its keep on equity? Next: ROE is 20%.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Can Fin Homes Ltd earns a return on equity of 20% in FY26. Its trough over the ladder below was 14% in FY15. For a lender the balance sheet is the operating asset, so equity return and asset return have to be read together.
FY26 ROE came in at 20%, recovered from a FY15 trough of 14%. On assets, the latest reading is about null% — every ₹100 the bank deploys earns roughly null a year. That clears the bar a bank must beat for its book value to compound.
Why ROE moved: profit compounded 21.3% a year over 10 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.
→ Who owns this bank, and are they adding or leaving? Next: Domestic institutions cut 3.3 points over 8 quarters.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
→ Who owns this, and are they adding or leaving? Next: Domestic institutions cut 3.3 points over 8 quarters.
Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.
Domestic institutions cut 3.3 points of Can Fin Homes Ltd over 8 quarters, the biggest move on the register. That takes domestic institutions to 24.5% of the company. Foreign institutions moved +1.7 points over the same window, to 13.2%. The register is read on the four disclosed classes only; nothing is inferred between filings.
The register over the last two years — Domestic institutions: −3.3 points over 8 quarters to 24.5%; Foreign institutions: +1.7 points over 8 quarters to 13.2%; Promoters: +0.0 points over 8 quarters to 30.0%.
Why the register moved: rotation — foreign institutions +1.7 points against domestic institutions −3.3 points over 8 quarters, with promoters holding steady — one class of institutions handing the register to the other, not a verdict change by the people closest to the numbers.
→ One last check: does the safety math agree? Next: the balance-sheet safety line.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Can Fin Homes Ltd: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | P/BV | Mkt cap | Revenue | EPS | ROE | Stage |
|---|---|---|---|---|---|---|
| Can Fin Homes Ltd this page | 1.8× | ₹10,837 Cr | Consistent | |||
| Bajaj Housing Finance Ltd | 3.1× | ₹70,150 Cr | Consistent | |||
| Housing & Urban Development Corporation Ltd | 1.8× | ₹39,145 Cr | Consistent | |||
| LIC Housing Finance Ltd | 0.7× | ₹29,646 Cr | Mixed | |||
| PNB Housing Finance Ltd | 1.4× | ₹27,570 Cr | Consistent | |||
| Aadhar Housing Finance Ltd | 2.9× | ₹21,648 Cr | Consistent | |||
| Sammaan Capital Ltd | 1.0× | ₹18,659 Cr | No read | |||
| Aptus Value Housing Finance India Ltd | 2.7× | ₹13,879 Cr | Mixed | |||
| Home First Finance Company India Ltd | 2.8× | ₹12,271 Cr | Mixed | |||
| AAVAS Financiers Ltd | 2.9× | ₹10,934 Cr | Consistent | |||
| India Shelter Finance Corporation Ltd | 2.5× | ₹7,880 Cr | Mixed | |||
| Repco Home Finance Ltd | 0.6× | ₹2,430 Cr | Consistent | |||
| GIC Housing Finance Ltd | 0.4× | ₹791 Cr | Mixed |
Frequently asked questions
What is Can Fin Homes Ltd's share price today?
Can Fin Homes Ltd trades at ₹889, +8.9% over the past year. The company is valued at ₹10,837 Cr. The stock sits at 77% of its 52-week range of ₹718–₹940, +4.0% versus its 200-day average. On the tape, the price is in a confirmed uptrend, 5 weeks in. — as of 24 July 2026.
What were Can Fin Homes Ltd's latest quarterly results?
Can Fin Homes Ltd reported total income of ₹1,096 Cr and net profit of ₹268 Cr for the Jun 26 quarter. Income rose 7.5% and profit rose 19.6% year on year. Earnings per share were ₹20.11. The net margin was 24.5%, 2.5 pp higher than a year earlier. — as of 24 July 2026.
What is Can Fin Homes Ltd's revenue?
Can Fin Homes Ltd reported revenue of ₹1,096 Cr in the Jun 26 quarter, +7.5% year on year. For the full FY26 fiscal year, revenue was ₹4,217 Cr (+8.7%). Over the last 10 years revenue compounded at 14.6% a year. — as of 24 July 2026.
What is Can Fin Homes Ltd's profit?
Can Fin Homes Ltd earned ₹268 Cr of net profit in the Jun 26 quarter, +19.6% year on year — the 11th straight quarter of growth. Full-year FY26 profit was ₹1,086 Cr. The net margin ran 24.5% in the latest quarter. — as of 24 July 2026.
What is Can Fin Homes Ltd's market cap?
Can Fin Homes Ltd's market capitalisation is ₹10,837 Cr at a share price of ₹889. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 24 July 2026.
What is Can Fin Homes Ltd's P/BV ratio?
Can Fin Homes Ltd trades at a P/BV of 1.8×, at the 1st percentile of its own 10-year range, against a long-run median of 2.7×. This is a comparison with the stock's own history, not a value call — as of 24 July 2026.
Does Can Fin Homes Ltd pay a dividend?
Yes — Can Fin Homes Ltd's dividend payout was 18% of profit in FY26, and it recorded a payout in each of its last 13 reported fiscal years. This page holds the payout ratio, not a per-share amount. — as of 24 July 2026.
Is Can Fin Homes Ltd overvalued?
On its own history, Can Fin Homes Ltd looks cheap against its own history: its P/BV of 1.8× has been cheaper only 1% of the time in 10 years (long-run median 2.7×). That is a percentile read against the stock's own past, not a price opinion or a direction call. One caveat: the net margin is the best this company has ever printed — cheap on record margins is not the same thing as cheap. — as of 24 July 2026.
Is Can Fin Homes Ltd growing?
Yes — Can Fin Homes Ltd is growing: latest-quarter revenue +7.5% year on year, profit +19.6%, and the the net margin +2.5 pp at 24.5%. The 10-year compound rates are 14.6% (revenue) and 21.3% (profit). The earnings engine currently reads: improving — as of 24 July 2026.
How is Can Fin Homes Ltd performing?
Can Fin Homes Ltd is in a confirmed uptrend, 5 weeks in. Its latest quarter's income rose 7.5% and profit rose 19.6% year on year. Against the NIFTY 500 it has been ahead on a trailing-13-week view for 2 weeks. This describes what the data did, not a rating. — as of 24 July 2026.
What stage is Can Fin Homes Ltd in?
Consistent — revenue, profit and EPS growth have stayed positive through the window, with ROE at 18.9% and holding. The read comes from the last 12 quarters of growth (revenue growth +8.2% latest, profit growth +28.3% latest, eps growth +28.2% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 24 July 2026.
Is Can Fin Homes Ltd in an uptrend?
Yes — the price is in a confirmed uptrend (week 5 of stage 2), trading +4.0% versus its 200-day average and at 77% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 24 July 2026.
Is Can Fin Homes Ltd beating the market?
On recent form, yes — Can Fin Homes Ltd has been ahead of the NIFTY 500 on a trailing-13-week view for 2 straight weeks, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.3 years the stock moved +341% against the NIFTY 500's +274% — ahead of the index over the full window. — as of 24 July 2026.
Will Can Fin Homes Ltd's share price go up?
This page publishes no price forecast for Can Fin Homes Ltd. What it measures instead: the share price is ₹889, the price is in a confirmed uptrend 5 weeks in. Its P/BV of 1.8× sits at the 1st percentile of its own 10-year range. — as of 24 July 2026.
Who owns Can Fin Homes Ltd?
Promoters hold 30.0% of Can Fin Homes Ltd, foreign institutions 13.2%, domestic institutions 24.5% and the public 32.3% (latest quarter). The biggest move on the register over the last two years: Domestic institutions cut 3.3 points over 8 quarters. — as of 24 July 2026.
Is Can Fin Homes Ltd's loan book healthy?
Gross NPA is 0.85% of Can Fin Homes Ltd's loan book, down from 0.87% a year ago — the 3rd straight quarter of improvement, and net NPA stands at 0.37%. Falling NPAs are a loan book healing; rising NPAs are damage arriving — as of 24 July 2026.
Where is Can Fin Homes Ltd in its business cycle?
Can Fin Homes Ltd's FY26 net margin was 25.8%, against a 13-year band of 10.5%–25.8%: the top of the band — a record year. Record profitability is late-cycle territory: every ratio flatters at the top, and the story leans on margins holding. The latest quarter ran 24.5%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 24 July 2026.
What could break the Can Fin Homes Ltd story?
The sharpest disagreement: Domestic institutions moved −3.3 points over 8 quarters while the operating story went the other way — someone close to the numbers is not convinced. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 24 July 2026.
Is Can Fin Homes Ltd a stock worth studying right now?
This is not investment advice. The machine read: Can Fin Homes Ltd is coiled. The quarters are improving, yet the P/BV sits at the 1st percentile of its own 10-year range — the business is moving before the market. The sharpest open question: whether the register turns back in the story’s favour. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 24 July 2026.