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Can Fin Homes (CANFINHOME) investor relations material

Can Fin Homes Q1 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q1 25/26 earnings summary21 Jul, 2025

Executive summary

  • Achieved record Q1 disbursement of over INR 2,000 crore, a 9% year-over-year growth, with strong performance in North, West, Tamil Nadu, and East zones; Karnataka and Telangana remained weak.

  • Board approved unaudited Q1 FY26 results, reviewed by auditors and audit committee.

  • Focus on home loans to individuals, ethical practices, and prudent underwriting; consistent dividend payments and robust management.

  • Appointment of Hardeep Singh Ahluwalia as Additional Director, pending RBI and shareholder approval.

  • IT transformation project on track, with treasury module rollout in August/September and core systems in November.

Financial highlights

  • Loan book reached ₹38,773 Cr in Q1FY26, up 9% year-over-year; Q1 disbursement exceeded INR 2,000 crore.

  • Net Interest Income at ₹363 Cr (+13% YoY), PAT at ₹223 Cr (+12% YoY), and PBT at ₹278 Cr (+9% YoY).

  • NIM at 3.64%, above 3.5% guidance; RoAA at 2.19%, RoE at 16.93%, EPS at ₹16.81.

  • Cost-to-income ratio elevated at 18.33% due to one-time actuarial impact and staff increase.

  • Gross NPA at 0.98%, Net NPA at 0.54%, with additional management overlay.

Outlook and guidance

  • Q2 disbursement guidance at INR 2,500 crore+, with full-year FY26 target of INR 10,500 crore.

  • NIM and spread guidance at 3.5% and 2.5% respectively; ROA/ROE guidance at 2.2/17%.

  • Emphasis on technology integration and digital transformation, with major IT project implementation expected in Q3FY26.

  • Credit cost guidance at 15 bps, with expectation of further reduction as delinquencies decline.

  • Cost-to-income ratio expected to stabilize at 18% for FY26 and 19% for FY27.

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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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