Can Fin Homes

Disbursements jump 33% and net profit up 48%

Can Fin Homes has continued to post robust 48% growth in the net profit to Rs 345.67 crore for the quarter ended March 2026 (Q4FY2026). Interest income increased 8% to Rs 1073.65 crore, while interest expenses were flat at Rs 634.16 crore. NII of the company galloped 21% to Rs 439.49 crore in Q4FY2026.

Operating expenses increased 24% to Rs 82.60 crore, allowing the operating profit to jump 20% to Rs 358.45 crore. Depreciation moved up 19% to Rs 4.92 crore, while loan loss provisions dipped 96% to Rs 0.56 crore in Q4FY2026.

PBT jumped 26% to Rs 352.97 crore. Effective tax rate dipped to 2.1% in Q4FY2026 from 16.2% in Q4FY2025. The final bottomline of the company increased 48% growth in the net profit to Rs 345.67 in Q4FY2026.

Book value of the company stood at Rs 449.1 per share at end March 2026, while adjusted book value net of net NPA and 10% of restructured loans stood at Rs 437.4 per share at end March 2026.

Business highlights

The loan book of the company increased 10% yoy and 4% qoq to Rs 42209 crore end March 2026. About 68% of the outstanding loan book is from Salaried Professionals. Further 84% of loan book is home loans.

The disbursements of the company surged 33% yoy to Rs 3256 crore, while sanctions galloped 33% to Rs 3523 crore in Q4FY2026.

The net interest margin of the company further improved to 4.19% in Q4FY2026 from 4.14% in Q3FY2026 and 3.82% in Q4FY2025.

The yield on advances declined to 9.99% from 10.07% in Q3FY2026 and 10.11% in Q4FY2025. The cost of funds declined to 7.07% in Q4FY2026 from 7.56% in Q3FY2025.

Gross NPA ratio of the company improved to 0.85% and net NPA ratio declined to 0.37% end March 2026 compared with 0.92% and 0.49% end December 2025 and 0.87% and 0.46% end March 2025.

Financial Performance FY2026:

Can Fin Homes has continued to post robust 27% growth in the net profit to Rs 1085.77 crore for the nine months ended March 2026 (FY2026). Interest income increased 9% to Rs 4216.27 crore, while interest expenses rose 3% to Rs 2563.23 crore. NII of the company galloped 19% to Rs 1653.04 crore in FY2026.

Operating expenses increased 31% to Rs 295.14 crore, allowing the operating profit to jump 17% to Rs 1359.88 crore. Depreciation moved up 30% to Rs 16.69 crore, while loan loss provisions declined 48% to Rs 39.62 crore in FY2026. PBT declined 21% to Rs 1303.58 crore. Effective tax rate fell to 16.7% in FY2026 from 20.4% in FY2025. The final bottomline of the company increased 27% growth in the net profit to Rs 1085.75 in FY2026.

Can Fin Homes: Results
?	2603 (3)	2503 (3)	Var %	2603 (12)	2503 (12)	Var %
Interest Inc.	1073.65	998.58	8	4216.27	3878.64	9
Interest Exp.	634.16	634.34	0	2563.23	2488.16	3
Net Interest Inc.	439.49	364.24	21	1653.04	1390.48	19
Other inc.	1.57	1.07	47	1.98	0.98	102
Total inc.	441.06	365.31	21	1655.02	1391.46	19
Op. Exp.	82.60	66.61	24	295.14	225.35	31
OP	358.46	298.70	20	1359.87	1166.11	17
Woff/Prov. of B/D	0.56	15.43	-96	39.62	75.78	-48
Dep.	4.92	4.12	19	16.69	12.87	30
PBT	352.98	279.15	26	1303.57	1077.47	21
Total Tax	7.31	45.24	-84	217.82	220.31	-1
PAT	345.67	233.92	48	1085.75	857.17	27
EPS*(Rs)	103.8	70.3	?	81.5	64.4	?
Equity	26.6	26.6	?	26.6	26.6	?
Adj BV(Rs)	437.4	367.5	?	437.4	367.5	?
* EPS and Adj BV are calculated on diluted equity as given for each year. Face Value: Rs 2
Figures in Rs crore,
Source: Capitaline Corporate Database

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