ALFA Finder| Margins | NIM at 3.81%; spread at 2.83%. Targeting 3.75% NIM baseline. |
|---|---|
| Demand visibility | Strong across all geographies; no slowdown seen in demand or launches. |
| Management confidence | High; confident in maintaining 3.81% NIM and credit cost guidance. |
Growth
Disbursements grew 29% YoY to INR 2,609 Cr, beating management's INR 2,500 Cr projection. Real AUM growth stood at 10.8%.
Outlook
Targeting 14% AUM growth for FY27. Projecting Q2 disbursements at INR 3,000 Cr. IT implementation across all branches by September 2026.
Risks
High run-downs due to part-prepayments and tenure crashes following quarterly reset conversions; increasing competitive rate differentials with banks.
Last quarter's promises, checked
Delivered
- Guided INR 10,500 Cr disbursement → delivered INR 10,531 Cr (= BEAT)
- Guided 2.75% spread → delivered 2.83% (= BEAT)
- Guided 3.75% NIM → delivered 3.81% (= BEAT)
Partly delivered
- Guided INR 6,000 Cr rundown → delivered INR 6,600 Cr (= MISS/PARTIAL)
- Targeted GNPA below 0.87% → delivered 0.85% (= BEAT)
Missed
- Guided 11-12% AUM growth → delivered 10.44% (= MISS)
Earnings Call Transcript filed with BSE, NSE: CANFINHOME. Summary written with AI assistance from the document.
Can Fin Homes Ltd: key numbers
- Share price
- ₹780.40
- Market cap
- ₹10,391 Cr
- Revenue (annual)
- ₹4,216 Cr
- Net profit (annual)
- ₹1,086 Cr
- P/E (TTM)
- 9.0×Sector 20.8×
- Promoter holding
- 29.99%+0.00% QoQ
- FII holding
- 12.51%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Can Fin Homes Ltd
All →Can Fin Homes Debt & Borrowing: ₹500 Cr
Can Fin Homes fully redeemed its Rs 500 Crore commercial paper at maturity on November 11, 2026. The redemption settles the series in full.
- Value
- ₹500.0 Cr
Can Fin Homes Management Change
Can Fin Homes' board approved appointing Bhavendra Kumar, a Canara Bank executive director, as a promoter non-executive director. The appointment takes effect after RBI approval.
Can Fin Homes Credit Rating
Care Ratings reaffirmed CARE AAA (Stable) on Can Fin Homes' NCDs, Tier-II bonds, and bank facilities. The reaffirmation confirms the company's strong credit profile.
Can Fin Homes Earnings Call Transcript: Key Takeaways
Management attributes lower disbursements to a massive IT transformation project transition. Despite operational friction, they maintain optimistic full-year targets relying on H2 recovery.
- Call
- Guides 22% growth
Can Fin Homes Investor Presentation: Key Takeaways
Can Fin Homes reported Q2 FY27 PAT growth of 9.6% YoY to ₹275 Cr, with loan book crossing ₹43,500 Cr. Management completed 'Project Tejas', its comprehensive IT transformation program.
Can Fin Homes Results Update
Can Fin Homes reported a net profit of ₹543 Crore for the first half of FY27, marking a 14% growth year-on-year.