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Can Fin Homes (CANFINHOME) investor relations material
Can Fin Homes Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary20 Oct, 2025
Executive summary
Q2 and H1 FY26 saw record disbursements, strong income and profitability growth, and robust asset quality, with 100% asset cover on secured NCDs and no deviations in fund utilization.
The company is a 38-year-old deposit-taking housing finance institution with pan-India presence, strong Canara Bank sponsorship, and a focus on home loans to individuals.
Consistent dividend payments, robust management, and a strong branch network support growth and regional diversification.
IT transformation is underway, with major modules implemented and further rollouts scheduled for Q3, expected to enhance operational efficiency.
Financial highlights
Loan book reached ₹39,657 Cr (+8% YoY) with 2.84 lakh clients as of Q2FY26; NIM at 4.02%, ROAA 2.46%, RoE 18.41%, and cost to income ratio at 18.55%.
H1FY26: PAT ₹475 Cr (+16% YoY), NII ₹767 Cr (+16% YoY), disbursements ₹4,560 Cr (+8% YoY), and total income from operations ₹2,06,985.75 lakhs.
Gross NPA 0.94%, Net NPA 0.48–0.50%, with additional management overlay and provision coverage ratio at 46.37%.
Debt-equity ratio at 6.61 and capital risk adequacy ratio (CRAR) at 25.58%.
Net profit margin at 22.96% and asset coverage ratio at 100%.
Outlook and guidance
Guidance for spread at 2.75% and NIM at 3.75% for upcoming quarters, with AUM growth guidance for FY26 at 12–13% and disbursement target of INR 10,500 crores.
Continued focus on growth, asset quality, profitability, and liquidity, with ongoing digital transformation and expansion of sourcing channels.
Expectation of further reduction in delinquency and continued low credit costs.
Update on COVID-19 resolution plan accounts?
Reason for sharp drop in ECL provisions?
Explain the large increase in Canara Bank loans.
IT transformation's Q3 business impact & Q4 recovery
Telangana prepayments: DSA deactivation impact?
FY27 margin outlook beyond current guidance?
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Next Can Fin Homes earnings date
Q3 25/2619 Jan, 2026
Next Can Fin Homes earnings date
Q3 25/2619 Jan, 2026
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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.
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