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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.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.
- 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.CANFINHOME
Q4 25/26 - Record Q3 disbursements, 10% loan book growth, strong asset quality, and NIM at 4.14%.CANFINHOME
Q3 25/26 - Q2FY26 delivered record disbursements, strong profitability, and robust asset quality.CANFINHOME
Q2 25/26 - Loan book up 9% YoY, PAT up 12%, and NIM at 3.64% in Q1FY26.CANFINHOME
Q1 25/26 - Strong growth in disbursements, profits, and AUM, with robust asset quality and new NCDs approved.CANFINHOME
Q2 24/25 - Loan book up 9% YoY to ₹35,557 Cr; Q1 disbursements down 6%, asset quality strong.CANFINHOME
Q1 24/25 - FY25 loan book up 9%, PAT up 14%, GNPA at 0.87%, and Rs. 6 dividend recommended.CANFINHOME
Q4 24/25 - Q3FY25 saw 9% loan book growth, strong profitability, and robust asset quality.CANFINHOME
Q3 24/25
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