Can Fin Homes Ltd

Q4 FY26Finance

Can Fin Homes Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹830

Market cap₹10.9K Cr

P/E9.7

Updated23 Aug 2026

Read4 min read

The short version

Targeting about 25% growth across all zones in the next financial year. AUM growth target for FY '27 is around 14%, with INR13,000 crores disbursement leading to a net addition of about INR6,000 crores.

From Can Fin Homes Ltd's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Targeting about 25% growth across all zones in the next financial year.
Planning disbursement of approximately INR 13,000 crores with a focus on managing prepayments (~INR 7,000 crores factored in).
Expansion of sales team from 80-90 to about 150 personnel to boost sales efforts.
Opening 28 new branches in the first half of the year, adding to the 54 branches opened previously for increased reach and efficiency.
Recovery and growth expected in Karnataka and Telangana markets, resolving prior issues.
Growth in other regions such as North, West, Tamil Nadu, and East zones expected to continue strongly (30-40%+ growth previously witnessed).

2 more points management made on revenue & sales performance

Profitability & Margins

AUM growth target for FY '27 is around 14%, with INR13,000 crores disbursement leading to a net addition of about INR6,000 crores.
Profit growth excluding one-time items is about 20% over last year (profit expected around INR1,027 crores vs. INR857 crores last year).
ROA expected to be maintained at 2.4% for next year; ROE guidance slightly impacted due to increased costs but expected above 18%.
Incremental IT-related expenses of INR40 crores annually from FY '27, impacting cost-to-income ratio slightly.
Employee costs expected to grow 10-12% due to staff additions; other operating costs may increase to INR175-180 crores from INR134 crores.
Credit costs projected conservatively at 15 basis points but expected to be below this.

2 more points management made on profitability & margins

See what Can Fin Homes Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Can Fin Homes Limited has an ongoing IT project with a total outlay of INR 300 crores.
This includes INR 100 crores as capital expenditure (capex) and INR 200 crores as operating expenditure (opex) spread over 5 years.
Depreciation from this capex, along with opex costs, will amount to about INR 60 crores annually starting FY '27.
Current IT project implementation is largely complete with infrastructure and security upgrades in place.
The IT upgrades include new deposit applications, online HRMS, enhanced digital signatures, implemented DMS, and AI components.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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5₹1.5L Cr

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

No explicit mention of planned new equity fundraising in the discussed content.
Debt fundraising approach focuses on optimizing cost of borrowing:
Increased reliance on bank borrowings at rates below 7%, up from 55% to 62% of borrowings.
Holding INR1,000 crores unutilized NHB sanction to be used opportunistically.
Strategy to replace higher-cost NCDs (at 7.67%) with lower-cost NCDs as maturities arise.

2 more points management made on fundraising & capital structure

See what Can Fin Homes Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript from Can Fin Homes Limited's earnings call does not explicitly mention details about the current or expected order book or pending orders. The focus is primarily on housing loan disbursements, prepayments, competition, cost of borrowings, branch expansion, IT implementations, and financial performance. There is no specific information available on order book or pending orders in the provided pages. If you have other sections or specific queries regarding orders, please provide the page or details.

What Can Fin Homes Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Can Fin Homes Ltd Q4 FY26 results?

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 9.7 with a market cap of ₹10,929 Cr. Investors should review the full earnings analysis for detailed insights.

Is Can Fin Homes Ltd planning capital expenditure?

Can Fin Homes Limited has an ongoing IT project with a total outlay of INR 300 crores.

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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.