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Can Fin Homes Ltd

Q2 FY26

Can Fin Homes Q2 FY26 earnings call: Revenue & Margins

Q2 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹732

Market cap₹9.7K Cr

P/E8.6

Updated16 Oct 2026

Read4 min read

The short version

FY26 disbursement guidance is INR 10,500 crores with 12-13% AUM growth expected. Can Fin Homes targets AUM growth of 12%-13% for FY '26, aiming to accelerate to at least 15% growth in FY '27 and FY '28.

From Can Fin Homes Ltd's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

FY26 disbursement guidance is INR 10,500 crores with 12-13% AUM growth expected.
From FY27 onwards, Can Fin Homes targets at least 15% AUM growth annually.
Sales team expansion and branch network increase contribute to growth—14 branches opened in H1 FY26, totaling 29 in last 6-9 months.
IT transformation may cause short-term disruptions but expected to improve productivity and efficiency, aiding future growth.
Q3 disbursements are moderated to around INR 2,500 crores due to IT implementation; Q4 is expected to have higher disbursements to meet yearly targets.

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Profitability & Margins

Can Fin Homes targets AUM growth of 12%-13% for FY '26, aiming to accelerate to at least 15% growth in FY '27 and FY '28. (Page 13)
Disbursement guidance for FY '26 is INR 10,500 crores, with Q3 expected around INR 2,500 crores and a push in Q4 to meet annual targets. (Page 6, 15)
Operating efficiency to improve post-IT implementation, despite a ₹40 crore increase in IT costs next year. Expected cost-to-income ratio around 19%-19.5% in FY '27. (Page 11)
Margin guidance includes holding spreads around 2.75% to 3.75% with some buffer to offer competitive rates in Q4; sustainable spread expected near 2.65% in longer term. (Pages 13-15)

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Capital Expenditure Plans

Can Fin Homes is undergoing a significant IT transformation, implementing a new software system to replace the one in use since 2011. This includes UI/UX upgrades, new process flows, and additional features, requiring staff retraining and temporary system downtime.
The IT implementation will increase operating expenses by about INR 40 crores from next year, impacting cost-to-income ratio (~19-19.5% expected in next year).
Investment in expanding the sales team and brand presence is ongoing to support growth.
Branch expansion is a strategic focus, with 29 new branches opened in the last 6-9 months (14 in H1 and 15 in Q4 last year) to improve geographic reach and increase sales productivity.

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Fundraising & Capital Structure

No new equity fundraising is mentioned in the provided excerpts.
There is mention of additional borrowing via Non-Convertible Debentures (NCDs) with a second AAA rating obtained for an additional INR 10,000 crores approved by shareholders.
The company plans to issue longer tenure NCDs (up to five years) with slightly higher costs but will manage this consciously with Asset-Liability Management (ALM) in mind.

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Order Book & Pipeline

The provided pages from the Can Fin Homes Limited document do not explicitly mention the current or expected orderbook or pending orders. The content mainly covers topics such as: - Loan book growth and provisioning (INR 850 to 900 crores growth in quarter) - Disbursement targets and actuals (guidance of INR 10,500 crores for FY '26) - Branch expansion (29 branches opened recently) - Sales team growth and productivity improvements

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What Can Fin Homes's management said in earlier quarters

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Frequently Asked Questions

What were Can Fin Homes Ltd Q2 FY26 results?

FY26 disbursement guidance is INR 10,500 crores with 12-13% AUM growth expected. Can Fin Homes targets AUM growth of 12%-13% for FY '26, aiming to accelerate to at least 15% growth in FY '27 and FY '28.

What is Can Fin Homes Ltd share price analysis?

Can Fin Homes Ltd currently shows a neutral. The stock trades at a P/E of 8.6 with a market cap of ₹9,749 Cr. Investors should review the full earnings analysis for detailed insights.

Is Can Fin Homes Ltd planning capital expenditure?

Can Fin Homes is undergoing a significant IT transformation, implementing a new software system to replace the one in use since 2011.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.