Is Can Fin Homes a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Can Fin Homes Ltd is a good quality company .

Is Can Fin Homes undervalued or overvalued?

The key valuation ratios of Can Fin Homes Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone .

What is Can Fin Homes share price return in the past 10 years?

Can Fin Homes Ltd share price has appreciated 24.6% annually (CAGR) over the past ten years.

Is Can Fin Homes a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Can Fin Homes Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

Can Fin Homes Ltd - Stock Valuation and Financial Performance

Name: Can Fin Homes
Brand: Can Fin Homes

BSE: 511196 | NSE: CANFINHOME | Finance - Housing | Small Cap

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Can Fin Homes Share Price

₹819.90 -12.20 -1.47%
as on 21-Nov'24 16:00

10 Year X-Ray of Can Fin Homes:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	816	1,083	1,353	1,518	1,727	2,030	2,018	1,988	2,742	3,523	3,722
YoY Gr. Rt. %	-	32.7%	24.9%	12.2%	13.8%	17.6%	-0.6%	-1.5%	37.9%	28.5%	-
Adj EPS (₹ )	6.5	11.8	17.7	21.5	22.3	28.3	34.3	35.4	46.7	56.4	61.6
YoY Gr. Rt. %	-	82.1%	49.8%	21.6%	3.7%	26.7%	21.2%	3.3%	31.9%	20.9%	-
BVPS (₹ )	58	66	80.9	111.7	133.8	161.5	196	230.3	273.9	326.2	353.1
YoY Gr. Rt. %	-	13.8%	22.6%	38.1%	19.9%	20.6%	21.4%	17.5%	18.9%	19.1%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	1.2	1.7	2	2	1.7	1.9	2.1	1.9	2	2.2	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	17.6%	15.3%	20.4%	28.5%
Adj EPS	27.2%	20.4%	18.1%	20.9%
BVPS	21.2%	19.5%	18.5%	19.1%
Share Price	24.6%	15.6%	8.2%	5.2%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0.2	0.4	0.5	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	18.4	20.7	18.5	19.1	16.4	22.3	0	0	0	0	-
Margins
Net Profit Margin (%)	10.6	14.5	17.4	18.9	17.2	18.5	22.6	23.7	22.7	21.3	22
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	14.1	19.1	24.1	22.3	18.2	19.1	19.2	16.6	18.5	18.8	17.4

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 18.10%

Total Income has increased 20.41 CAGR in last 3 years

Net Profit has increased 18.07 CAGR in last 3 years

Total income growth is good in last 4 quarters

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Latest Financials - Can Fin Homes Ltd.

	Standalone	Consolidated
TTM EPS (₹)	61.6	-
TTM Sales (₹ Cr.)	3,722	-
BVPS (₹.) ⓘ	353.1	-
Reserves (₹ Cr.) ⓘ	4,675	-
P/BV ⓘ	2.36	-
PE ⓘ	13.51	-

From the Market
52 Week Low / High (₹)	680.45 / 951.45
All Time Low / High (₹)	2.02 / 951.45
Market Cap (₹ Cr.)	11,080
Equity (₹ Cr.)	26.6
Face Value (₹)	2
Industry PE ⓘ	18.9

Management X-Ray of Can Fin Homes:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Can Fin Homes

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Can Fin Homes

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	817	1,084	1,353	1,522	1,731	2,030	2,018	1,989	2,743	3,525
Interest Income	816	1,083	1,353	1,518	1,727	2,030	2,018	1,988	2,742	3,523
Other Income ⓘ	1	1	0	4	4	0	0	1	1	2
Expenditure ⓘ	680	830	984	1,091	1,262	1,512	1,401	1,353	1,919	2,567
Interest Expense ⓘ	611	744	884	981	1,169	1,345	1,209	1,155	1,702	2,232
Operating Expenses ⓘ	52	61	75	83	84	95	111	138	162	181
Provisions	17	25	25	27	9	72	81	61	56	154
Exceptional Items ⓘ	0	0	1	0	0	0	0	0	0	0
Profit Before Tax ⓘ	137	254	370	431	470	518	618	635	824	958
Taxes ⓘ	51	97	135	145	173	142	162	164	203	207
Profit After Tax	86	157	235	286	297	376	456	471	621	751
Adjusted EPS (₹)	6.5	11.8	17.7	21.5	22.3	28.3	34.3	35.4	46.7	56.4
Dividend Payout Ratio (%)	22%	17%	11%	9%	9%	7%	6%	8%	8%	11%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	771	878	1,076	1,487	1,782	2,150	2,610	3,067	3,647	4,344
Share Capital ⓘ	27	27	27	27	27	27	27	27	27	27
Reserves ⓘ	745	851	1,050	1,460	1,756	2,123	2,583	3,040	3,621	4,317
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	5,533	7,092	8,251	10,676	13,118	13,822	12,557	17,857	22,498	24,306
Current Liabilities	2,030	2,785	4,050	3,543	3,805	5,038	6,862	6,973	6,876	7,886
Trade Payables	0	0	2	9	3	4	4	6	8	5
Short term borrowings	1,484	1,626	3,081	3,240	3,747	4,903	6,693	6,745	6,523	7,511
Other Liabilities	-1,483	-1,625	-3,083	-3,249	-3,751	-4,908	-6,697	-6,750	-6,531	-7,516
Total Liabilities ⓘ	8,334	10,756	13,379	15,706	18,705	21,010	22,028	27,897	33,022	36,536
Assets
Non Current Asset	8,231	10,641	12,956	15,685	18,283	20,614	22,000	27,565	32,701	36,068
Loan Asset	8,202	10,612	12,905	15,644	18,234	20,526	21,891	26,378	31,193	34,553
Other Non Current Asset ⓘ	29	29	51	41	49	89	108	1,187	1,508	1,515
Current Asset	103	115	423	21	422	395	28	332	321	467
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	103	115	423	21	422	395	28	332	321	467
Total Assets ⓘ	8,334	10,756	13,379	15,706	18,705	21,010	22,028	27,897	33,022	36,536

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	53	382	-2,356	-2,018	-2,335	-1,842	-851	-3,916	-4,044	-2,570
Cash Flow From Investing Activity ⓘ	-4	-11	-7	-2	-4	-13	-28	-1,380	-327	-170
Cash Flow From Financing Activity ⓘ	-55	-371	2,363	2,019	2,739	1,826	508	5,299	4,370	2,738
Net Cash Flow ⓘ	-6	0	0	-1	401	-29	-372	2	-1	-1

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	32	59	88	21	22	28	34	35	47	56
DPS (₹)	7	10	10	2	2	2	2	3	4	6
BVPS (₹)	290	330	404	112	134	161	196	230	274	326
Performance Ratios
ROA (%)	1.2	1.7	2.0	2.0	1.7	1.9	2.1	1.9	2.0	2.2
ROE (%)	14.1	19.1	24.1	22.3	18.2	19.1	19.2	16.6	18.5	18.8
ROCE (%)	10.8	10.8	10.8	10.0	9.6	9.4	8.5	7.2	8.4	9.3
Valuation Parameters
Price/Book(x)	2.1	3.5	5.2	4.3	2.6	1.7	3.1	2.7	1.9	2.3

Can Fin Homes Ltd Stock News

Can Fin Homes Ltd FAQs

What is the share price of Can Fin Homes?

Company share prices are keep on changing according to the market conditions. The closing price of Can Fin Homes on 21-Nov-2024 16:00 is ₹819.9.

What is the market cap of Can Fin Homes?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Nov-2024 16:00 the market cap of Can Fin Homes stood at ₹11,079.8.

What is the P/E ratio of Can Fin Homes?

The latest P/E ratio of Can Fin Homes as of 21-Nov-2024 16:00 is 13.51.

What is the P/B ratio of Can Fin Homes?

The latest P/B ratio of Can Fin Homes as of 21-Nov-2024 16:00 is 2.36.

What is the 52-week high and low of Can Fin Homes?

The 52-week high of Can Fin Homes is ₹951.5 and the 52-week low is ₹680.5.

What is the TTM revenue of Can Fin Homes?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Can Fin Homes is ₹3,722 ( Cr.) .

About Can Fin Homes Ltd

Can Fin Homes Ltd is one of the top players in the housing finance sector, in the country. The Company has completed many successful years of operation in the field of home finance and has a renowned history of making profits and paying dividends continuously, since inception in 1987.

The company has several branches and satellite offices linked to the Registered Office at Bangalore through a core banking platform. Being a south based company, 70% of its branches are located in southern India.

Since its inception in 1987, the company continues to promote home ownership across the country with the motto of friendship finance and good service. The company has been progressively working towards its vision of sustaining high asset quality, business growth and favourable profit margins.

Business area of the company

Can Fin Homes is a Housing Finance Company offers finance for construction of a house, loan for the purchase of a flat or house, finance for the acquisition of a plot and construction of a house on the same. Under the composite housing loan scheme; it offers loan for the extension of existing house and loan towards the repairs, renovation and upgradation of a house or flat. Can Fin also provides offers fixed deposit, cumulative deposit, fixed deposit scheme for senior citizens, cumulative deposit scheme for senior citizens, Canfin Trust Fixed Deposit scheme and Canfin Trust Cumulative Deposit scheme.

Milestones

1987: 1st branch of CFHL inaugurated at Jayanagar, Bangalore on 26th Dec
1988: Opened fist branch outside South India at Delhi
1991: The company’s loan book size crossed Rs 100 crore
2012: Completed 25 Years
2012: Disbursements crossed Rs 1000 crore
2012: 50th Branch of Can Fin opened at NCR-Pitampura
2013: Migrated to CBS platform (Integrated Business Suite) Loan Book size crossed 10,000 crore
2014: Operating Profit crossed Rs 100 crore
2014: 100th Branch of Can Fin at Begur, B’lore inaugurated on 5th July
2014: Opened first Satellite Office ISO) at Yelahanka (have 36 SOs now)
2014: Received AAA Rating for loans/NCDs, Al for CP
2015: Net Profit surpassed Rs.I00 crore mark
2015: Raised Rs.276 crore capital under Rights Issue (March 2015)
2015: Became a mid-cap stock (Rs 1000 crore mCap)
2015: Became a mid-cap stock (Rs 1000 crore mCap)
2015: The company’s Share price crossed Rs 1000 on stock exchanges on 9th Oct 2015
2016: Loon Book surpassed 10,000 crore mark on 31st Jan 2016
2016: mCap crossed Rs 3000 crore as on 31st March
2016: Opened 120th Branch & 50th Satellite Office during Apr-May
2017: Can Fin Homes enters 30th year of its service to the society
2017: Loan Book ahead of Rs.3000 crore (as at mar 17)
2017: Fresh approvals crossed Rs.5000 crore matt for the FY
2017: The HFC which was least affected by Demonetisation
2017: Crossed outstanding clientele base of 1,00,000 for the first time
2017: Opened 15 Affordable Housing Loan Centres (AHLC)
2018: Runner-up in NBFC category FY17 by FE India's Best Banks Awards 2018
2018: Foray into distribution of fife Insurance products through Corporate Agency
2018: Can Fin Homes made its foray into the states of Punjab and West Bengal
2019: Loan Book crossed the Rs.19003 crore mark
2019: Foray into distribution of general insurance products through Corporate Agency