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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.Executive summary
Achieved Q2 disbursements of over INR 2,500 crore, marking a record for the quarter and strong growth in income and profitability year-over-year.
38-year-old deposit-taking housing finance company with pan-India presence, strong Canara Bank sponsorship, and consistent dividend payments.
Focus on home loans to individuals, ethical practices, prudent underwriting, and robust management.
Un-audited financial results for Q2 and H1 FY26 were approved, with 100% asset cover on secured NCDs and no deviations in fund utilization.
IT transformation underway, with key modules implemented and further rollouts scheduled for Q3.
Financial highlights
Loan book reached ₹39,657 Cr (+8% YoY) with 2.84 lakh clients as of Q2FY26; Q2 disbursements exceeded INR 2,500 crore.
Q2FY26: NII ₹404 Cr, PBT ₹332 Cr, PAT ₹251 Cr; NIM 4.02%, ROAA 2.46%, RoE 18.41%, EPS ₹18.88.
H1FY26: PAT ₹475 Cr (+16% YoY), NII ₹767 Cr (+16% YoY), disbursements ₹4,560 Cr (+8% YoY), total income ₹2,06,985.75 lakhs.
Gross NPA 0.94%, Net NPA 0.48%-0.50%, with additional management overlay.
Cost to income ratio at 18.55%; DER at 6.61; CRAR at 25.58%.
Outlook and guidance
Q3 disbursement target set at INR 2,500 crore due to IT transformation, with a push for higher disbursement in Q4.
FY26 guidance maintained at 12%-13% AUM growth and INR 10,500 crore in total disbursements.
NIM and spread guidance set at 3.75% and 2.75%, respectively, with a conservative buffer.
Continued focus on growth, asset quality, profitability, and liquidity, with ongoing digital transformation.
No separate reportable segments as per Ind AS 108; all activities incidental to housing finance.
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