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Last Updated: April 2, 2026, 2:44 am
Author: Getaka|Social: XLinkedIn

Can Fin Homes Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹672.37Overvalued by 17.40%vs CMP ₹814.00

P/E (11.1) × ROE (18.2%) × BV (₹410.00) × DY (1.47%)

₹667.43Overvalued by 18.01%vs CMP ₹814.00
MoS: -22% (Negative)Confidence: 48/100 (Moderate)Models: 1 Under, 3 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹777.4922%Fair (-4.5%)
Graham NumberEarnings₹821.4716%Fair (+0.9%)
Earnings PowerEarnings₹467.3213%Over (-42.6%)
DCFCash Flow₹1,517.9610%Under (+86.5%)
Net Asset ValueAssets₹410.127%Over (-49.6%)
EV/EBITDAEnterprise₹9.769%Over (-98.8%)
Dividend DiscountDividends₹110.009%Over (-86.5%)
Earnings YieldEarnings₹731.507%Over (-10.1%)
ROCE CapitalReturns₹764.189%Fair (-6.1%)
Consensus (9 models)₹667.43100%Overvalued
Key Drivers: Wide model spread (₹10–₹1,518) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 15.6%

*Investments are subject to market risks

Investment Snapshot

59
Can Fin Homes Ltd scores 59/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health68/100 · Strong
ROCE 9.3% AverageROE 18.2% ExcellentD/E 7.39 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money70/100 · Strong
FII holding up 1.10% (6mo) AccumulatingPromoter holding at 30.0% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +17% YoY Positive
Industry Rank50/100 · Moderate
P/E 11.1 vs industry 9.1 In-lineROCE 9.3% vs industry 48.2% Below peersROE 18.2% vs industry 13.3% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Can Fin Homes Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
20/100
Low
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 11.1 vs Ind 9.1 | ROCE 9.3% | ROE 18.2% | CFO/NP N/A
Balance Sheet Stress
30/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 7.39x | IntCov 0.0x | Current 1.58x | Borrow/Reserve 0.00x
Cash Flow Reliability
43/100
Mixed
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹857 Cr | CFO/NP N/A
Ownership Accumulation
+50
Accumulation
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII +0.72 pp | DII +0.82 pp | Prom 0.00 pp
Business Momentum
+7
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +5.6% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %-18.0%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change+0.72 ppLatest FII% minus previous FII%
DII Change+0.82 ppLatest DII% minus previous DII%
Promoter Change0.00 ppLatest promoter% minus previous promoter%
Shareholder Count Change-8,680Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+5.6%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 2:44 am

Market Cap 10,843 Cr.
Current Price 814
Intrinsic Value₹667.43
High / Low 972/615
Stock P/E11.1
Book Value 410
Dividend Yield1.47 %
ROCE9.34 %
ROE18.2 %
Face Value 2.00
PEG Ratio0.71

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Can Fin Homes Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Can Fin Homes Ltd 10,843 Cr. 814 972/61511.1 4101.47 %9.34 %18.2 % 2.00
Aptus Value Housing Finance India Ltd 10,200 Cr. 204 365/19311.5 93.02.21 %15.0 %18.6 % 2.00
Home First Finance Company India Ltd 9,916 Cr. 950 1,519/83920.0 3860.39 %11.4 %16.5 % 2.00
Indiabulls Housing Finance Ltd 8,279 Cr. 167209/1156.77 2680.76 %10.1 %6.55 % 2.00
Repco Home Finance Ltd 2,276 Cr. 364 464/3155.19 5571.24 %11.1 %14.2 % 10.0
Industry Average9,117.50 Cr364.069.06331.841.21%48.21%13.33%5.64

All Competitor Stocks of Can Fin Homes Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue7107648248719019279319629869991,0201,0491,073
Interest 453491533548566584603616636634648639642
Expenses 497254122777071707882917585
Financing Profit208201236201258273258277272282281336345
Financing Margin %29%26%29%23%29%29%28%29%28%28%28%32%32%
Other Income 0100110001000
Depreciation 3433343334344
Profit before tax 205198234198256270255274269279278332341
Tax % 26%16%22%20%22%23%22%23%21%16%19%24%22%
Net Profit 151166183158200209200211212234224251265
EPS in Rs 11.3812.4513.7811.8715.0315.7014.9915.8815.9317.5716.8118.8819.89
Gross NPA %0.60%0.55%0.63%0.76%0.91%0.82%0.91%0.88%0.92%0.87%0.98%0.94%0.92%
Net NPA %0.30%0.26%0.34%0.43%0.49%0.42%0.49%0.47%0.50%0.46%0.54%0.50%0.49%

Last Updated: February 6, 2026, 10:16 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 23, 2026, 4:46 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5788161,0831,3531,5181,7272,0302,0181,9882,7423,5233,8794,141
Interest 4236117448849811,1701,3451,2091,1551,7022,2322,4882,563
Expenses 4665839510789158182189205323301334
Financing Profit1091402573734304685286276448359691,0891,244
Financing Margin %19%17%24%28%28%27%26%31%32%30%28%28%30%
Other Income 0111440011111
Depreciation 2434339101012131316
Profit before tax 1071372543704314705186186358249581,0771,230
Tax % 29%37%38%36%34%37%27%26%26%25%22%20%
Net Profit 7686157235286297376456471621751857974
EPS in Rs 5.696.4811.8017.6821.4922.2928.2534.2535.3846.6556.3864.3773.15
Dividend Payout % 18%22%17%11%9%9%7%6%8%8%11%19%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)13.16%82.56%49.68%21.70%3.85%26.60%21.28%3.29%31.85%20.93%14.11%
Change in YoY Net Profit Growth (%)0.00%69.40%-32.88%-27.98%-17.86%22.75%-5.32%-17.99%28.56%-10.91%-6.82%

Can Fin Homes Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:17%
5 Years:14%
3 Years:25%
TTM:9%
Compounded Profit Growth
10 Years:26%
5 Years:18%
3 Years:22%
TTM:15%
Stock Price CAGR
10 Years:18%
5 Years:15%
3 Years:6%
1 Year:-14%
Return on Equity
10 Years:19%
5 Years:18%
3 Years:18%
Last Year:18%

Last Updated: September 5, 2025, 1:30 am

Balance Sheet

Last Updated: December 4, 2025, 1:04 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 20272727272727272727272727
Reserves 4327458521,0501,4601,7562,1232,5833,0403,6214,3175,0415,436
Borrowing5,2697,3759,44411,87213,92116,88018,74819,29324,64829,06831,86335,05136,107
Other Liabilities 19118843343032267145171230355807849186
Total Liabilities 5,9128,33410,75613,37915,73018,72921,04422,07427,94433,07037,01440,96741,755
Fixed Assets 89910101038383545534948
CWIP 0000000000010
Investments 15151516161624501,1261,4591,4592,3742,145
Other Assets 5,8898,31010,73213,35215,70418,70320,98121,98626,78431,56635,50238,54339,562
Total Assets 5,9128,33410,75613,37915,73018,72921,04422,07427,94433,07037,01440,96741,755

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 11453382-2,356-2,018-2,335-1,842-851-3,916-4,044225933
Cash from Investing Activity + -1-4-11-7-2-4-13-28-1,380-327-170-785
Cash from Financing Activity + -112-55-3712,3632,0192,7391,8265085,2994,370-56-149
Net Cash Flow 1-6-00-1401-29-3722-1-10
Free Cash Flow 11048379-2,360-2,021-2,338-1,846-854-3,920-4,053205917
CFO/OP 21%13%46%-178%-133%-133%-92%-39%-210%-153%14%32%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow41.0058.0074.0084.0094.0073.00140.00163.00165.00176.00292.00266.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 18%14%19%24%22%18%19%19%17%18%19%18%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%
FIIs 10.35%10.72%11.36%11.06%11.51%11.53%11.68%11.41%12.14%12.10%12.52%13.24%
DIIs 24.97%27.97%27.41%28.46%27.88%27.78%27.51%28.14%24.66%24.53%23.88%24.70%
Public 34.68%31.32%31.23%30.48%30.60%30.71%30.82%30.46%33.20%33.37%33.61%32.07%
No. of Shareholders 1,03,82789,48794,58292,79596,91898,2561,06,5591,11,7181,09,34098,63794,30085,620

Shareholding Pattern Chart

No. of Shareholders

Can Fin Homes Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Axis Small Cap Fund 4,272,355 1.56 398.385,243,7882025-12-06 02:15:14-18.53%
ICICI Prudential Banking and Financial Services 2,196,108 1.87 204.781,859,2642026-02-22 02:18:2618.12%
HSBC Value Fund 1,854,100 1.19 172.89N/AN/AN/A
Canara Robeco Small Cap Fund 1,717,975 1.26 160.19N/AN/AN/A
Nippon India Small Cap Fund 1,644,260 0.23 153.321,193,0422025-12-08 07:42:1337.82%
HDFC Banking & Financial Services Fund 1,100,000 2.29 102.571,158,4332026-02-22 02:18:26-5.04%
Bandhan Small Cap Fund 968,310 0.47 90.29991,3932026-01-26 00:55:51-2.33%
Edelweiss Small Cap Fund 884,776 1.54 82.5674,0132025-12-08 02:25:3731.27%
ICICI Prudential Smallcap Fund 690,528 0.79 64.39N/AN/AN/A
Edelweiss Large & Mid Cap Fund 530,924 1.11 49.51499,6932025-12-08 00:26:506.25%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 64.3756.3846.6535.3834.25
Diluted EPS (Rs.) 64.3756.3846.6535.3834.25
Cash EPS (Rs.) 65.3357.3347.5836.1134.97
Book Value[Excl.RevalReserv]/Share (Rs.) 380.54326.20273.89230.29195.98
Book Value[Incl.RevalReserv]/Share (Rs.) 380.54326.20273.89230.29195.98
Dividend / Share (Rs.) 12.006.003.503.002.00
Revenue From Operations / Share (Rs.) 291.24264.56205.91149.28151.55
PBDIT / Share (Rs.) 268.73240.43190.54135.05137.83
PBIT / Share (Rs.) 267.76239.47189.61134.31137.12
PBT / Share (Rs.) 80.9171.9161.8847.6946.38
Net Profit / Share (Rs.) 64.3756.3746.6535.3834.25
PBDIT Margin (%) 92.2790.8792.5390.4690.94
PBIT Margin (%) 91.9390.5192.0889.9790.47
PBT Margin (%) 27.7827.1730.0531.9430.60
Net Profit Margin (%) 22.1021.3022.6523.6922.59
Return on Networth / Equity (%) 16.9117.2817.0315.3617.47
Return on Capital Employeed (%) 63.4525.8523.9218.2822.36
Return On Assets (%) 2.092.051.871.682.06
Long Term Debt / Equity (X) 0.001.821.882.172.08
Total Debt / Equity (X) 6.927.347.978.047.39
Asset Turnover Ratio (%) 0.090.100.080.070.09
Current Ratio (X) 1.141.501.461.531.58
Quick Ratio (X) 1.141.501.461.531.58
Dividend Payout Ratio (NP) (%) 15.537.096.439.895.83
Dividend Payout Ratio (CP) (%) 15.306.976.309.695.71
Earning Retention Ratio (%) 84.4792.9193.5790.1194.17
Cash Earning Retention Ratio (%) 84.7093.0393.7090.3194.29
Interest Coverage Ratio (X) 1.441.431.491.561.52
Interest Coverage Ratio (Post Tax) (X) 1.341.341.371.411.38
Enterprise Value (Cr.) 43648.3641427.5535805.3932731.6727432.41
EV / Net Operating Revenue (X) 11.2511.7613.0616.4713.59
EV / EBITDA (X) 12.2012.9414.1118.2014.95
MarketCap / Net Operating Revenue (X) 2.302.842.574.234.04
Retention Ratios (%) 84.4692.9093.5690.1094.16
Price / BV (X) 1.762.311.932.743.13
Price / Net Operating Revenue (X) 2.302.842.574.234.04
EarningsYield 0.090.070.080.050.05

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Can Fin Homes Ltd. is a Public Limited Listed company incorporated on 29/10/1987 and has its registered office in the State of Karnataka, India. Company's Corporate Identification Number(CIN) is L85110KA1987PLC008699 and registration number is 008699. Currently Company is involved in the business activities of Activities of specialized institutions granting credit for house purchases that also take deposits. Company's Total Operating Revenue is Rs. 3878.26 Cr. and Equity Capital is Rs. 26.63 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance - Housing#29/1, 1st Floor, Sir M N Krishna Rao Road, Bengaluru Karnataka 560004Contact not found
Management
NamePosition Held
Mr. K Satyanarayana RajuChairman & Non-Exe.Director
Mr. Suresh S IyerManaging Director & CEO
Mr. Vikram SahaDeputy Managing Director
Mr. Ajai KumarInd. Non-Executive Director
Mr. Murali RamaswamiInd. Non-Executive Director
Mrs. Shubhalakshmi Aamod PanseInd. Non-Executive Director
Mr. Arvind Narayan YennemadiInd. Non-Executive Director
Mr. Anup Sankar BhattacharyaInd. Non-Executive Director

FAQ

What is the intrinsic value of Can Fin Homes Ltd and is it undervalued?

As of 05 April 2026, Can Fin Homes Ltd's intrinsic value is ₹667.43, which is 18.01% lower than the current market price of ₹814.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (18.2 %), book value (₹410), dividend yield (1.47 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Can Fin Homes Ltd?

Can Fin Homes Ltd is trading at ₹814.00 as of 05 April 2026, with a FY2026-2027 high of ₹972 and low of ₹615. The stock is currently in the middle of its 52-week range. Market cap stands at ₹10,843 Cr..

How does Can Fin Homes Ltd's P/E ratio compare to its industry?

Can Fin Homes Ltd has a P/E ratio of 11.1, which is above the industry average of 9.06. The premium over industry average may reflect growth expectations or speculative interest.

Is Can Fin Homes Ltd financially healthy?

Key indicators for Can Fin Homes Ltd: ROCE of 9.34 % is on the lower side compared to the industry average of 48.21%; ROE of 18.2 % shows strong shareholder returns. Dividend yield is 1.47 %.

Is Can Fin Homes Ltd profitable and how is the profit trend?

Can Fin Homes Ltd reported a net profit of ₹857 Cr in Mar 2025 on revenue of ₹3,879 Cr. Compared to ₹471 Cr in Mar 2022, the net profit shows an improving trend.

Does Can Fin Homes Ltd pay dividends?

Can Fin Homes Ltd has a dividend yield of 1.47 % at the current price of ₹814.00. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Can Fin Homes Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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