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Can Fin Homes Ltd

Q2 FY27

Can Fin Homes Q2 FY27 earnings call: Revenue & Margins

Q2 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹732

Market cap₹9.7K Cr

P/E8.6

Updated17 Oct 2026

Read4 min read

What the Q2 FY27 call signalled

2 of 4 strong

RevenueModerate growth

MarginMargins steady

FundraiseFundraise planned

Order bookOrder book rising

The short version

The company targets over 20% growth in disbursements for the current and next financial years. Management targets over 20% growth in disbursements for the current and next financial years.

From Can Fin Homes Ltd's Q2 FY27 earnings-call transcript · updated 17 Oct 2026.

Revenue & Sales Performance

Moderate growth

The company targets over 20% growth in disbursements for the current and next financial years.
AUM (Assets Under Management) is expected to grow by 13%-14% this year and 15%+ next year.
Sales team strength is planned to increase from 150 to 250 next year, aiming to generate INR 2,500+ crores business from sales.
Digital sourcing is expected to contribute 10% of disbursement by Q4 FY28, enabled by new IT systems.
Branch productivity improves over 18-24 months, with new branches gradually increasing contribution.
The company anticipates recovering shortfalls caused by IT transformation in the coming quarters.

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Profitability & Margins

Management targets over 20% growth in disbursements for the current and next financial years.
AUM growth guidance is 13%-14% for the current year and 15%+ for the next year (FY28).
The IT transformation is expected to drive long-term business benefits despite near-term disbursement impact.
Steps to improve sales efficiency and digital sourcing (targeting 10% digital sourcing by Q4 FY28) support growth ambitions.
Increased branch productivity and expanded branch network will contribute to growth.
The management aims to maintain or improve NIM and spread amid growth.
Loan book stress tests and risk management practices support stable earnings growth.

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Capital Expenditure Plans

No explicit mention of current or future capex or strategic capital investments in the provided transcript.
Focus appears to be on IT transformation, which has been completed as of the date of the document.
Additional investment in human resources planned: sales team to increase from 90 to 150 in the current year, targeting 250 next year.
Opening of new branches: 25 branches opened recently with plans to add more next year.

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Fundraising & Capital Structure

Can Fin Homes Limited has complied with the regulatory guideline of raising 25% of borrowings through the market for the current financial year and is not under any compulsion to raise more debt at the moment.
Current cost of raising funds via NCDs is around 8.3% to 8.35%, but the company will raise funds only if there is a good opportunity at a favorable price and timing.
The company has received INR 1,350 crores of NHB refinance at a blended cost of 6.6% to 6.7%, with possibilities of applying for additional refinance during the current year.

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Order Book & Pipeline

Order book rising

The transcript does not explicitly mention the current or expected orderbook/pending orders in terms of value or volume.
However, there is mention of a pipeline of loan proposals:
Approximately INR118 crores more sanctioned but not disbursed compared to the previous quarter.
An additional INR100-150 crores worth of loan files already logged and sanctioned.
Some backlog from the old system pending to be re-entered into the new system.
Some business may have been lost due to IT implementation delays, but a significant portion of the pipeline remains, supporting future disbursements.

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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 FY27 results?

The company targets over 20% growth in disbursements for the current and next financial years. Management targets over 20% growth in disbursements for the current and next financial years.

What is Can Fin Homes Ltd share price analysis?

Can Fin Homes Ltd currently shows a below-average growth signal. 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?

No explicit mention of current or future capex or strategic capital investments in the provided transcript.

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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.