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Can Fin Homes financials and balance sheet

NSE: CANFINHOMEBSE: 511196FinanceSmall Cap

Last close ₹707.50down ₹7.85 (1.10%)BSE ₹707.80

Share price at the NSE close on 23 Oct 2026. Previous close ₹715.35.

52-week range of traded prices to 23 Oct 2026
₹693.00Low, 23 Oct 2026₹971.50High, 26 Dec 2025
Market cap
₹9,421 Cr510th largest listed
P/E
8.2
P/B
1.5
Dividend yield
2.12%
ROE
19.4%
NIM
3.84%
Cost of funds
6.99%
Credit cost
0.10%
ROA
2.54%
Leverage
7.73times net worth
Volume, NSE
1,50,80751.7% delivered

10 years at a glance

Standalone, laid out as a lender that is not a bank files them. A lender's lines are blank for the years to Mar 2017, Mar 2018 and Mar 2019: the company's filing for those results has none of them.Can Fin Homes annual reports

Net interest income, Net profit, ₹ crore

  • Net interest income
  • Net profit

Net interest margin, Return on assets, per cent

  • Net interest margin
  • Return on assets

Income

₹ crore, years to March.

₹ croreMar 2017Mar 2018Mar 2019Mar 2020Filed 16 JunMar 2021Filed 4 MayMar 2022Filed 2 MayMar 2023Filed 28 AprMar 2024Filed 9 MayMar 2025Filed 23 AprMar 2026Filed 24 Apr
Total income–––2,0302,0181,9892,7433,5253,8804,218
Interest earned–––2,0192,0061,9702,7153,4903,8434,174
Interest paid–––1,3441,2081,1541,7012,2312,4882,563
Net interest income–––6757988161,0151,2581,3541,611
–––12121928353744
Fees and commission–––12121827333642
Other operating revenue––––0–––––
Income outside operations–––0011212
The lines under it are parts of it, not all of it.–––108124153176257238312
Profit before provisions–––5796866828661,0361,1531,343
Set aside for bad loans–––60694742797640
Exceptional items–––0000000
Profit before tax3704584705186186358249581,0771,304
135156173142162164203207220218
Net profit2353022973764564716217518571,086
Other comprehensive income––0−20−1−1−100
Total comprehensive income––2973744564706217508571,086
Earnings per share₹17.68₹22.67₹22.29₹28.25₹34.25₹35.38₹46.65₹56.38₹64.37₹81.54
Diluted earnings per share₹17.68₹22.67₹22.29₹28.25₹34.25₹35.38₹46.65₹56.38₹64.37₹81.54

Balance sheet

₹ crore, at 31 March.

₹ croreMar 2019Mar 2020Filed 16 JunMar 2021Filed 4 MayMar 2022Filed 2 MayMar 2023Filed 28 AprMar 2024Filed 9 MayMar 2025Filed 23 AprMar 2026Filed 24 Apr
Total assets–21,04422,07427,94433,07036,60240,96744,381
Loans given–20,52621,89126,37831,19334,55337,69641,647
Investments–24501,1261,4591,4592,3742,143
Deposits–305442491435218187216
–18,44318,85024,15728,63331,64534,86438,042
Bonds and debentures–3,8104,8916,0726,3117,57510,8497,689
Subordinated debt–10310310310310300
Loans–14,53113,85617,98222,21923,96724,01530,353
–2,1502,6103,0673,6474,3445,0675,980

Margins and returns

Per cent a year, on the average of the opening and closing balance sheets.

FigureMar 2020Filed 16 JunMar 2021Filed 4 MayMar 2022Filed 2 MayMar 2023Filed 28 AprMar 2024Filed 9 MayMar 2025Filed 23 AprMar 2026Filed 24 Apr
Net interest margin–3.76%3.30%3.37%3.67%3.56%3.84%
Yield on interest-earning assets–9.44%7.97%9.03%10.17%10.10%9.95%
Cost of funds–6.35%5.25%6.33%7.32%7.44%6.99%
Spread–3.09%2.72%2.70%2.84%2.66%2.96%
Cost to income15.69%15.31%18.32%16.93%19.87%17.12%18.84%
Credit cost–0.32%0.19%0.15%0.24%0.21%0.10%
Return on assets–2.12%1.88%2.04%2.15%2.21%2.54%
Assets per rupee of net worth–9.068.819.098.728.247.73
Return on equity–19.16%16.60%18.51%18.79%18.22%19.66%

Where the return on assets comes from

Per cent of average total assets, a year. Each line adds to the one below it. The year to Mar 2020, the first with a balance sheet on this form, has none a year before it to average with, so its ratios are blank.

Per centMar 2021Filed 4 MayMar 2022Filed 2 MayMar 2023Filed 28 AprMar 2024Filed 9 MayMar 2025Filed 23 AprMar 2026Filed 24 Apr
Net interest income3.70%3.26%3.33%3.61%3.49%3.77%
Other income0.06%0.08%0.09%0.10%0.10%0.10%
Operating expenses0.58%0.61%0.58%0.74%0.61%0.73%
Profit before provisions3.18%2.73%2.84%2.97%2.97%3.15%
Set aside for bad loans0.32%0.19%0.14%0.23%0.20%0.09%
Exceptional items0.00%0.00%0.00%0.00%0.00%0.00%
Profit before tax2.86%2.54%2.70%2.75%2.78%3.05%
Tax0.75%0.66%0.66%0.59%0.57%0.51%
Associates and businesses sold or closed0.00%0.00%0.00%0.00%0.00%0.00%
Return on assets2.12%1.88%2.04%2.15%2.21%2.54%

Cash flow

Standalone, ₹ crore, years to March. The last column is the half year to Sep 2026, after the latest full year: the cash flow over its six months.

₹ croreMar 2021Filed 4 MayMar 2022Filed 2 MayMar 2023Filed 28 AprMar 2024Filed 9 MayMar 2025Filed 23 AprMar 2026Filed 24 AprSep 2026Half yearFiled 9 Oct
Cash from operations−851−3,916−4,044−2,570933−2,940−680
Capital spending23920171769
Free cash flow−854−3,920−4,053−2,590917−2,956−749
Cash from investing−28−1,380−327−170−785153−81
Cash from financing5085,2994,3702,738−1492,787763
Dividends paid27474053133173107
Shares bought back0000000
Shares issued0000000
Net change in cash−3722−1−1002
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only. No cash flow statement is on record for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020.

Per share

Standalone, ₹ per share, years to March.Can Fin Homes dividend history

₹ per shareMar 2017Mar 2018Mar 2019Filed 2 MayMar 2020Filed 16 JunMar 2021Filed 4 MayMar 2022Filed 2 MayMar 2023Filed 28 AprMar 2024Filed 9 MayMar 2025Filed 23 AprMar 2026Filed 24 Apr
₹17.68₹22.67₹22.29₹28.25₹34.25₹35.38₹46.65₹56.38₹64.37₹81.54
As stated that year₹88.38₹22.67₹22.29₹28.25₹34.25₹35.38₹46.65₹56.38₹64.37₹81.54
₹17.68₹22.67₹22.29₹28.25₹34.25₹35.38₹46.65₹56.38₹64.37₹81.54
₹2.00₹2.00₹2.00₹2.00₹2.00₹3.00₹3.50₹6.00₹12.00₹15.00
Book value per share––₹133.83₹161.46₹195.98₹230.31₹273.89₹326.20₹380.57₹449.10
Dividend payout11.3%8.8%9.0%7.1%5.8%8.5%7.5%10.6%18.6%18.4%
Shareholder yield––––0.3%0.6%0.6%0.5%1.5%1.6%
Market cap at the year end (₹ crore)5,6476,4494,6453,7168,1728,4087,04710,0268,91410,546
Every year is restated for later splits and bonuses, so they do not break the line. The figure the company stated that year is under each line it differs from.

Growth and returns over 3, 5 and 10 years

Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2026.

Measure10 years5 years3 years
Revenue growth, yearly rate14.6%15.9%15.4%
Profit growth, yearly rate21.3%18.9%20.5%
Return on equity, average–18.4%18.9%
Net margin, average21.1%23.1%23.1%
Asset turnover, average–0.090.10

Where the cash came from and went

Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.

₹ crore5 years3 yearsLatest year
Cash from operations−12,536−4,576−2,940
Cash from investing−2,509−801153
Cash from financing15,0465,3772,787
Capital spending665317
Dividends paid446360173
Shares bought back000
Shares issued for cash000

Credit ratings

An agency's view of the chance the company repays a borrowing on time, from AAA, the highest, down to D, in default.

DateAgencyBorrowing ratedRatingOutlookAmount, ₹ Cr
9 Oct 2026CARE Ratings Limited (opens in a new tab)Fund-based - LT-Term LoanLong-term scaleCARE AAAReview, Re-affirmStable9,240.50
9 Oct 2026CARE Ratings Limited (opens in a new tab)Debentures-Non Convertible DebenturesLong-term scaleCARE AAAReview, Re-affirmProposedStable4
9 Oct 2026CARE Ratings Limited (opens in a new tab)Bonds-Tier II BondsLong-term scaleCARE AAAReview, Re-affirmProposedStable200
9 Oct 2026CARE Ratings Limited (opens in a new tab)Commercial PaperShort-term scaleCARE A1+Review, Re-affirmISIN INE477A14DV5 redeemed500
9 Jul 2026ICRA Limited (opens in a new tab)Fund-based-Others[ICRA]AAA /[ICRA]A1+Review, Re-affirmStable27,750
9 Jul 2026ICRA Limited (opens in a new tab)Subordinated Debt[ICRA]AAAReview, Re-affirmStable200
9 Jul 2026ICRA Limited (opens in a new tab)Commercial Paper[ICRA]A1+Review, Re-affirm500
9 Jul 2026ICRA Limited (opens in a new tab)Fixed Deposit[ICRA]AAAReview, Re-affirmStable750
9 Jul 2026ICRA Limited (opens in a new tab)Non Convertible Debentures[ICRA]AAAReview, Re-affirmStable980
9 Dec 2025India Ratings and Research Private Limited (opens in a new tab)Subordinated debtIND AAAReview, UpgradeStable200
9 Dec 2025India Ratings and Research Private Limited (opens in a new tab)Non-convertible debenturesWDReview, Other400
9 Dec 2025India Ratings and Research Private Limited (opens in a new tab)Issuer RatingIND AAAReview, UpgradeStable
9 Dec 2025India Ratings and Research Private Limited (opens in a new tab)Non-convertible debenturesIND AAAReview, UpgradeStable301
The latest rating on each borrowing. The agency's name opens its reasoning for the rating.