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Can Fin Homes
Can Fin Homes (CANFINHOME) investor relations material
Can Fin Homes Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary19 Jan, 2026
Executive summary
Q3 disbursements reached INR 2,727 crore, the highest ever for any quarter, marking a 45% year-over-year increase and 7% sequential growth, with the loan book at ₹40,693 crore and a clientele base of 2.89 lakh.
Net Interest Income for Q3FY26 was ₹421 crore; Profit After Tax stood at ₹265 crore, with EPS at ₹19.89 and Return on Equity at 18.80%.
AUM growth improved to over 9.5% year-over-year, but was impacted by elevated prepayments and loan closures, reducing potential AUM by about INR 400 crore in Q2 and Q3.
Delinquency levels improved for the fourth consecutive quarter, with total delinquency dropping below INR 3,750 crore, and notable recovery in previously stressed geographies like Telangana.
Focus remains on growth, asset quality, profitability, and digital transformation.
Financial highlights
Net Interest Margin (NIM) for Q3 rose to 4.14% from 4.02% in Q2, with spreads at 2.93% for Q3 and 2.84% for the nine months.
Disbursement growth for the year is expected to reach 22%-23% year-over-year, with AUM growth projected at 11%-12% due to higher prepayments.
Operating profit for Q3FY26 was ₹351 crore; Cost to income ratio at 18.53%.
Gross NPA at 0.92%, Net NPA at 0.49% as of Dec 2025; overall asset quality stable.
EPS for Q3FY26 was ₹19.89; Return on Equity at 18.80%.
Outlook and guidance
Q4 disbursements are guided at INR 3,200–3,300 crore, supporting a full-year target of INR 10,500 crore.
FY 2027 AUM growth is projected at 15%, with disbursements of INR 13,500 crore and prepayments of INR 7,000 crore.
NIM and spread are expected to stabilize at 3.75% and 2.75%, respectively, even after transitioning most loans to quarterly reset.
Continued emphasis on technology integration and digital transformation, with major IT projects scheduled for Q4FY26.
Credit cost is guided at 15 bps, with no significant stress anticipated in any geography or segment.
Curbing prepayments: What's the strategy?
Quantify IT transformation's business impact.
SENP growth: Impact on spreads & asset quality?
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Next Can Fin Homes earnings date
Q4 25/2628 Apr, 2026
Can Fin Homes
Next Can Fin Homes earnings date
Q4 25/2628 Apr, 2026
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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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