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Last Updated on: 22 December, 2024
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo

Can Fin Homes Ltd: Fundamental Analysis, Share Price Insights & Intrinsic Value (2024)

Share Price and Basic Stock Data

Last Updated: December 21, 2024, 2:44 am

Market Cap 9,956 Cr.
Current Price 748
High / Low 952/680
Stock P/E12.1
Book Value 353
Dividend Yield0.80 %
ROCE9.26 %
ROE18.8 %
Face Value 2.00
PEG Ratio0.90

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

View Share Price Target for

Competitors of

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Ind Bank Housing Ltd 51.5 Cr. 51.5 87.9/34.6 1210.00 %7.86 %% 10.0
Home First Finance Company India Ltd 8,969 Cr. 1,000 1,383/77726.2 2570.34 %11.2 %15.5 % 2.00
Aptus Value Housing Finance India Ltd 15,172 Cr. 304 402/28622.5 80.31.48 %14.7 %17.2 % 2.00
Repco Home Finance Ltd 2,626 Cr. 420 595/3666.17 4940.71 %10.5 %14.6 % 10.0
PNB Housing Finance Ltd 22,578 Cr. 869 1,202/60013.3 5750.00 %9.27 %11.8 % 10.0
Industry Average10,111.80 Cr399.9012.15287.990.79%11.06%13.49%5.64

All Competitor Stocks of

Quarterly Result

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Revenue503467451468508561611657710764824871901
Interest289275268271296319356401453491533548566
Expenses344834255476355049725412277
Financing Profit180144148171158166220206208201236201258
Financing Margin %36%31%33%37%31%30%36%31%29%26%29%23%29%
Other Income0000000001001
Depreciation3223322334333
Profit before tax177142146169156164219203205198234198256
Tax %26%28%25%27%26%25%26%30%26%16%22%20%22%
Net Profit132103109124116123162142151166183158200
EPS in Rs9.917.708.179.298.699.2312.1810.6411.3812.4513.7811.8715.03
Gross NPA %0.68%0.91%0.90%0.78%0.71%0.64%0.65%0.62%0.60%0.55%0.63%0.76%0.91%
Net NPA %0.41%0.61%0.57%0.47%0.39%0.30%0.30%0.35%0.30%0.26%0.34%0.43%0.49%

Last Updated: Unknown

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue2863925788161,0831,3531,5181,7272,0302,0181,9882,7423,360
Interest1962834236117448849811,1701,3451,2091,1551,7022,138
Expenses33334665839510789158182189205325
Financing Profit5776109140257373430468528627644835896
Financing Margin %20%19%19%17%24%28%28%27%26%31%32%30%27%
Other Income4001114400111
Depreciation11243433910101212
Profit before tax6175107137254370431470518618635824886
Tax %28%28%29%37%38%36%34%37%27%26%26%25%
Net Profit44547686157235286297376456471621707
EPS in Rs3.294.075.696.4811.8017.6821.4922.2928.2534.2535.3846.6553.13
Dividend Payout %14%15%18%22%17%11%9%9%7%6%8%8%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2012-20132013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-2023
YoY Net Profit Growth (%)22.73%40.74%13.16%82.56%49.68%21.70%3.85%26.60%21.28%3.29%31.85%
Change in YoY Net Profit Growth (%)0.00%18.01%-27.58%69.40%-32.88%-27.98%-17.86%22.75%-5.32%-17.99%28.56%

has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2012-2013 to 2022-2023.

Growth

Compounded Sales Growth
10 Years:20%
5 Years:15%
3 Years:20%
TTM:17%
Compounded Profit Growth
10 Years:26%
5 Years:20%
3 Years:18%
TTM:25%
Stock Price CAGR
10 Years:23%
5 Years:14%
3 Years:10%
1 Year:-2%
Return on Equity
10 Years:19%
5 Years:18%
3 Years:18%
Last Year:19%

Last Updated: Unknown

Balance Sheet

Last Updated: November 15, 2024, 1:33 am

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital20202727272727272727272727
Reserves3724327458521,0501,4601,7562,1232,5833,0403,6214,3174,675
Borrowings3,5395,2697,3759,44411,87213,92116,88018,74819,29324,64829,06831,86333,790
Other Liabilities13619118843343032267145171230355395695
Total Liabilities4,0675,9128,33410,75613,37915,73018,72921,04422,07427,94433,07036,60239,187
Fixed Assets6899101010383835455344
CWIP0000000000000
Investments1615151516161624501,1261,4591,4591,968
Other Assets4,0445,8898,31010,73213,35215,70418,70320,98121,98626,78431,56635,09037,175
Total Assets4,0675,9128,33410,75613,37915,73018,72921,04422,07427,94433,07036,60239,187

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +10311453382-2,356-2,018-2,335-1,842-851-3,916-4,044-2,570
Cash from Investing Activity +-3-1-4-11-7-2-4-13-28-1,380-327-170
Cash from Financing Activity +-109-112-55-3712,3632,0192,7391,8265085,2994,3702,738
Net Cash Flow-91-6-00-1401-29-3722-1-1

Free Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Free Cash Flow33.0030.0041.0058.0074.0084.0094.0073.00140.00163.00165.00176.00

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 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %15%18%14%19%24%22%18%19%19%17%18%19%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
Promoters29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%29.99%
FIIs0.00%0.00%0.00%0.00%9.31%9.95%10.35%10.72%11.36%11.06%11.51%11.53%
DIIs21.66%22.41%24.69%24.80%23.28%23.52%24.97%27.97%27.41%28.46%27.88%27.78%
Public48.36%47.60%45.32%45.21%37.42%36.53%34.68%31.32%31.23%30.48%30.60%30.71%
No. of Shareholders84,6381,00,33895,5471,00,3581,18,3861,18,7181,03,82789,48794,58292,79596,91898,256

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Axis Small Cap Fund5,243,7882.29409.591,193,0422024-12-20339.53%
Nippon India Small Cap Fund1,193,0420.2393.191,193,0422024-12-200%
UTI Value Fund875,0000.966.81,193,0422024-12-20-26.66%
Tata Multicap Fund680,0002.0253.111,193,0422024-12-20-43%
Edelweiss Small Cap Fund674,0131.8852.651,193,0422024-12-20-43.5%
Axis Multicap Fund544,0140.9242.491,193,0422024-12-20-54.4%
Edelweiss Large & Mid Cap Fund499,6931.639.031,193,0422024-12-20-58.12%
UTI ELSS Tax Saver Fund499,9401.2438.171,193,0422024-12-20-58.1%
Baroda BNP Paribas Value Fund410,0002.0332.031,193,0422024-12-20-65.63%
Edelweiss Balanced Advantage Fund406,3480.3331.741,193,0422024-12-20-65.94%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue2.002.002.002.002.00
Basic EPS (Rs.)56.3846.6535.3834.2528.25
Diluted EPS (Rs.)56.3846.6535.3834.2528.25
Cash EPS (Rs.)57.3347.5836.1134.9728.96
Book Value[Excl.RevalReserv]/Share (Rs.)326.20273.89230.29195.98161.46
Book Value[Incl.RevalReserv]/Share (Rs.)326.20273.89230.29195.98161.46
Dividend / Share (Rs.)6.003.503.002.002.00
Revenue From Operations / Share (Rs.)264.56205.91149.28151.55152.47
PBDIT / Share (Rs.)240.43190.54135.05137.83140.57
PBIT / Share (Rs.)239.47189.61134.31137.12139.86
PBT / Share (Rs.)71.9161.8847.6946.3838.92
Net Profit / Share (Rs.)56.3746.6535.3834.2528.24
PBDIT Margin (%)90.8792.5390.4690.9492.19
PBIT Margin (%)90.5192.0889.9790.4791.72
PBT Margin (%)27.1730.0531.9430.6025.52
Net Profit Margin (%)21.3022.6523.6922.5918.52
Return on Networth / Equity (%)17.2817.0315.3617.4717.49
Return on Capital Employeed (%)25.8523.9218.2822.3628.87
Return On Assets (%)2.051.871.682.061.78
Long Term Debt / Equity (X)1.821.882.172.081.96
Total Debt / Equity (X)7.347.978.047.398.72
Asset Turnover Ratio (%)0.100.080.070.090.10
Current Ratio (X)1.501.461.531.581.44
Quick Ratio (X)1.501.461.531.581.44
Dividend Payout Ratio (NP) (%)7.096.439.895.837.08
Dividend Payout Ratio (CP) (%)6.976.309.695.716.90
Earning Retention Ratio (%)92.9193.5790.1194.1792.92
Cash Earning Retention Ratio (%)93.0393.7090.3194.2993.10
Interest Coverage Ratio (X)1.431.491.561.521.39
Interest Coverage Ratio (Post Tax) (X)1.341.371.411.381.28
Enterprise Value (Cr.)41427.5535805.3932731.6727432.4122069.99
EV / Net Operating Revenue (X)11.7613.0616.4713.5910.87
EV / EBITDA (X)12.9414.1118.2014.9511.79
MarketCap / Net Operating Revenue (X)2.842.574.234.041.83
Retention Ratios (%)92.9093.5690.1094.1692.91
Price / BV (X)2.311.932.743.131.73
Price / Net Operating Revenue (X)2.842.574.234.041.83
EarningsYield0.070.080.050.050.10

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of as of December 22, 2024 is: 809.43

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of December 22, 2024, is Undervalued by 8.21% compared to the current share price 748.00

Intrinsic Value of as of December 22, 2024 is: 918.42

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of December 22, 2024, is Undervalued by 22.78% compared to the current share price 748.00

Last 5 Year EPS CAGR: 13.47%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.
  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in :
    1. Net Profit Margin: 21.3%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 25.85% (Industry Average ROCE: 11.06%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 17.28% (Industry Average ROE: 13.49%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.34
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.5
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 12.1 (Industry average Stock P/E: 12.15)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 7.34
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

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. 1987.83 Cr. and Equity Capital is Rs. 26.63 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance - Housing#29/1, 1st Floor, Sir M N Krishna Rao Road, Bengaluru Karnataka 560004investor.relationship@canfinhomes.com
http://www.canfinhomes.com
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
Mr. Debashish MukherjeePromoter Non-Exe.Director

FAQ

What is the latest intrinsic value of ?

The latest intrinsic value of as on 22 December 2024 is ₹809.43, which is 8.21% higher than the current market price of ₹748.00. The stock has a market capitalization of 9,956 Cr. and recorded a high/low of 952/680 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹4,675 Cr and total liabilities of ₹39,187 Cr.

What is the Market Cap of ?

The Market Cap of is 9,956 Cr..

What is the current Stock Price of as on 22 December 2024?

The current stock price of as on 22 December 2024 is 748.

What is the High / Low of stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of stocks is 952/680.

What is the Stock P/E of ?

The Stock P/E of is 12.1.

What is the Book Value of ?

The Book Value of is 353.

What is the Dividend Yield of ?

The Dividend Yield of is 0.80 %.

What is the ROCE of ?

The ROCE of is 9.26 %.

What is the ROE of ?

The ROE of is 18.8 %.

What is the Face Value of ?

The Face Value of is 2.00.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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 . 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