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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Can Fin Homes
Can Fin Homes (CANFINHOME) investor relations material
Can Fin Homes Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary12 Oct, 2026
Executive summary
Q2 FY27 loan book reached ₹43,539 crore; PAT was ₹275 crore, up from ₹251 crore YoY, and GNPA improved to 0.90% from 0.94%.
H1 FY27 PAT rose 14% YoY to ₹542 crore, supported by 12% growth in net interest income and 10% growth in the outstanding loan book.
Q2 disbursements were temporarily disrupted by the phased IT migration; all branches moved to the new system effective Oct. 1.
Robust underlying demand and the completed rollout support stronger Q3-Q4 disbursements; FY27 targets were retained.
The Board approved unaudited Q2 and H1 results on Oct. 9, 2026; auditors issued an unmodified limited-review conclusion with emphasis on ERP migration and reconciliation.
Financial highlights
Q2 FY27 approvals were ₹2,604 crore and disbursements ₹2,373 crore, below Q2 FY26 levels of ₹2,680 crore and ₹2,545 crore; management separately cited ₹2,375 crore of disbursements net of ₹29 crore in NHB-guidance cancellations.
Q2 FY27 net interest income was ₹431 crore, operating profit ₹355 crore, PBT ₹347 crore and PAT ₹275 crore, versus ₹404 crore, ₹335 crore, ₹332 crore and ₹251 crore YoY.
H1 FY27 approvals grew 14% to ₹5,399 crore, disbursements 9% to ₹4,982 crore, PBT 13% to ₹686 crore and PAT 14% to ₹542 crore YoY.
Q2 total income from operations was ₹1,13,118.42 lakh versus ₹1,04,945.34 lakh YoY; PAT was ₹27,461.07 lakh versus ₹25,142.82 lakh.
Q2 prepayments were ₹1,795 crore versus ₹1,857 crore in Q1; July was ₹655 crore, with each of the next two months below ₹600 crore.
Outlook and guidance
FY27 disbursement guidance remained ₹13,000 crore; the Q3 target is ₹3,500 crore, with the remaining balance targeted for Q4.
FY27 AUM growth guidance remained 13%-14%, closer to 14%, despite lower Q2 disbursements.
FY28 internal plan targets ₹16,000 crore of disbursements and ~15%-15.5% AUM growth; management cited ~22% disbursement growth YoY.
Management expects to protect spread at 3.75%+ and NIM at 2.75%+; it cited operating levels of ~3.75% spread and ~3.8% NIM.
Credit cost guidance remained 10 bps; reported quarter-end credit cost was 9 bps, with gross NPAs expected to ease in H2.
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Latest events from Can Fin Homes
- Disbursements up 29% YoY, NIM at 3.81%, strong asset quality, and digital rollout progressing.CANFINHOME
Q1 26/27 - FY26 AUM up 10.44%, PAT up 27%, GNPA at 0.85%, and ₹15/share dividend proposed.CANFINHOMEQ4 25/26
- Record Q3 disbursements, 10% loan book growth, strong asset quality, and NIM at 4.14%.CANFINHOMEQ3 25/26
- Q2FY26 delivered record disbursements, strong profitability, and robust asset quality.CANFINHOMEQ2 25/26
- Loan book up 9% YoY, PAT up 12%, and NIM at 3.64% in Q1FY26.CANFINHOMEQ1 25/26
- Strong growth in disbursements, profits, and AUM, with robust asset quality and new NCDs approved.CANFINHOMEQ2 24/25
- Loan book up 9% YoY to ₹35,557 Cr; Q1 disbursements down 6%, asset quality strong.CANFINHOMEQ1 24/25
- FY25 loan book up 9%, PAT up 14%, GNPA at 0.87%, and Rs. 6 dividend recommended.CANFINHOMEQ4 24/25
- Q3FY25 saw 9% loan book growth, strong profitability, and robust asset quality.CANFINHOMEQ3 24/25
Next Can Fin Homes earnings date
Q3 26/2718 Jan, 2027
Can Fin Homes
Next Can Fin Homes earnings date
Q3 26/2718 Jan, 2027
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Frequently asked questions
Can Fin Homes Limited is a company in the Indian housing finance sector, primarily focused on providing a variety of housing and non-housing loan products. Its offerings include individual and affordable housing loans, composite loans, and top-up loans for housing purposes. For non-housing needs, the company provides mortgage loans, site loans, loans for commercial properties, loans against rent receivables, personal loans, loans for children's education, and specific loans for pensioners under the product "CFHL Nischint." Additionally, Can Fin Homes accepts fixed and cumulative deposits, catering to both salaried and self-employed individuals with tailored solutions to meet their specific requirements. The company is headquartered in Bengaluru, Karnataka, and its shares are listed on the National Stock Exchange.