BSE: 511196 | NSE: CANFINHOME | Finance - Housing | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that Can Fin Homes Ltd is a good quality company.
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.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Can Fin Homes Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
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 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 | 24.7% | 15.7% | 8.3% | 5.5% | ||||||||
| 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 | |
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
No data to display
| 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 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 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% |
| 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 |
| 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 |
| 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 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
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MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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