Can Fin Homes (CANFINHOME) Q4 25/26 earnings summary

Executive summary

• Achieved 10.44% AUM growth for FY 2026, with loan book reaching ₹42,209 Cr and a clientele base of 2.90 lakh; targeting 14% AUM growth for FY 2027 with INR 13,000 crore disbursement goal.

• Net Interest Income for FY26 was ₹1,610 Cr, up 19% YoY; PAT for FY26 was ₹1,086 Cr, up 27% YoY, with Q4 PAT at ₹346 Cr including one-time DTA and tax refund.

• NIM for FY26 was 3.93%, with Q4 NIM at 4.19%; ROAA at 2.58% for FY26 and 3.29% for Q4; ROE at 18.16% for FY26 and 23.12% for Q4.

• Board approved audited results for FY26, recommended a total dividend of ₹15 per share, and noted management changes.

• Salaried and professional segment comprised 68% of the loan book; housing loans made up 84%.

Financial highlights

• FY26 profit (excluding one-time items) reached INR 1,027 crore, a 20% increase YoY; Net profit after tax for FY26 was ₹1,08,575.23 lakhs, up from ₹85,716.55 lakhs in FY25.

• FY26 new approvals grew 20% YoY to ₹11,148 Cr; disbursements rose 23% to ₹10,531 Cr.

• Operating profit for FY26 was ₹1,343 Cr, up 16% YoY; cost to income ratio for FY26 was 18.84%.

• Debt-Equity Ratio at 6.40 as of March 31, 2026.

• Average business per branch reached ₹170 Cr; per employee at ₹31 Cr.

Outlook and guidance

• FY 2027 targets: 14% AUM growth, INR 13,000 crore disbursements, and net addition of INR 6,000 crore to the book.

• Continued focus on growth, asset quality, profitability, and liquidity, with expansion of sourcing channels and digital transformation.

• Projected increase in direct sourcing and digital channels by FY28.

• Credit cost guidance remains at 15 bps, though management expects it to be lower.

• ROA expected to remain above 2.4%, with ROE above 18% despite higher IT costs.