Can Fin Homes Ltd.
CANFINHOMEFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
17 transcript(s)/analyst meet(s) served; 1 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 17 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220510 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220725 | 2022-06-30 | yes | |
| TRANSCRIPT | 20221022 | 2022-09-30 | yes | |
| TRANSCRIPT | 20230503 | 2023-03-31 | yes | |
| TRANSCRIPT | 20230726 | 2023-06-30 | yes | |
| TRANSCRIPT | 20231021 | 2023-09-30 | yes | |
| TRANSCRIPT | 20240127 | 2023-12-31 | yes | |
| TRANSCRIPT | 20240506 | 2024-03-31 | yes | |
| ANALYST_MEET | 20240726 | 2024-06-30 | yes | |
| ANALYST_MEET | 20241029 | 2024-09-30 | yes | |
| ANALYST_MEET | 20250127 | 2024-12-31 | yes | |
| ANALYST_MEET | 20250430 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250726 | 2025-06-30 | yes | |
| TRANSCRIPT | 20260724 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251025 | 2025-09-30 | yes | |
| DUPLICATE | 20251025 | 2025-09-30 | no | |
| TRANSCRIPT | 20260124 | 2025-12-31 | yes | |
| TRANSCRIPT | 20260504 | 2026-03-31 | yes |
CANFINHOME
files as a non-banking financial company. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | nbfc |
| Scope served | standalone |
| Panels on this page | 4 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 743.15 |
| 52-week range | 743.15 – 950.2 |
| Return 1M | -7.73% |
| Return 3M | -16.14% |
| Return 1Y | -4.45% |
| Return 3Y | -3.71% |
| Return 5Y | 12.98% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Revenue from operations | 1,096.00 |
| Other income | 0.00 |
| Total income | 1,096.00 |
| Cost of materials consumed | 0.00 |
| Purchases of stock-in-trade | 0.00 |
| Changes in inventories | 0.00 |
| Employee benefit expense | 49.00 |
| Finance costs | 659.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.30 | 0.00 |
| institutions foreign | 0.13 | -0.00 |
| institutions domestic | 0.25 | -0.00 |
| mutual funds | 0.17 | 0.00 |
| public | 0.70 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| ANALYST_MEET | 2025-03-31 | 4 |
| DUPLICATE | 2025-09-30 | 1 |
| TRANSCRIPT | 2026-03-31 | 13 |
Financial statements
Filed results, standalone, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Quarterly results, as filed
| Line | 2022-03-31 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from operations | 561.00 | 710.00 | 764.00 | 824.00 | 871.00 | 901.00 | 927.00 | 931.00 | 962.00 | 986.00 | 999.00 | 1,020.00 | 1,049.00 | 1,073.00 | 1,074.00 | 1,096.00 |
| Other income | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 1.00 | 1.00 | 0.00 | 0.00 | 0.00 | 1.00 | 0.00 | 0.00 | 0.00 | 2.00 | 0.00 |
| Total income | 561.00 | 710.00 | 764.00 | 824.00 | 871.00 | 902.00 | 928.00 | 931.00 | 963.00 | 986.00 | 1,000.00 | 1,020.00 | 1,049.00 | 1,073.00 | 1,075.00 | 1,096.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 18.00 | 21.00 | 22.00 | 21.00 | 25.00 | 25.00 | 27.00 | 23.00 | 29.00 | 29.00 | 31.00 | 42.00 | 43.00 | 45.00 | 47.00 | 49.00 |
| Finance costs | 319.00 | 453.00 | 491.00 | 533.00 | 548.00 | 566.00 | 584.00 | 603.00 | 615.00 | 636.00 | 634.00 | 648.00 | 639.00 | 642.00 | 634.00 | 659.00 |
| Depreciation and amortisation | 2.00 | 3.00 | 4.00 | 3.00 | 3.00 | 3.00 | 4.00 | 3.00 | 3.00 | 3.00 | 4.00 | 3.00 | 4.00 | 4.00 | 5.00 | 3.00 |
| Other expenses | 19.00 | 11.00 | 15.00 | 13.00 | 18.00 | 16.00 | 33.00 | 17.00 | 20.00 | 21.00 | 26.00 | 23.00 | 26.00 | 27.00 | 32.00 | 30.00 |
| Total expenses | 397.00 | 505.00 | 566.00 | 590.00 | 673.00 | 646.00 | 658.00 | 676.00 | 689.00 | 717.00 | 720.00 | 743.00 | 718.00 | 732.00 | 722.00 | 758.00 |
| Profit before exceptional items and tax | 164.00 | 205.00 | 198.00 | 234.00 | 198.00 | 256.00 | 270.00 | 255.00 | 274.00 | 269.00 | 279.00 | 278.00 | 332.00 | 341.00 | 353.00 | 339.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 164.00 | 205.00 | 198.00 | 234.00 | 198.00 | 256.00 | 270.00 | 255.00 | 274.00 | 269.00 | 279.00 | 278.00 | 332.00 | 341.00 | 353.00 | 339.00 |
| Current tax | 45.00 | 54.00 | 37.00 | 50.00 | 54.00 | 54.00 | 66.00 | 62.00 | 61.00 | 63.00 | 38.00 | 64.00 | 72.00 | 77.00 | 59.00 | 78.00 |
| Deferred tax | -4.00 | -1.00 | -5.00 | 0.00 | -14.00 | 2.00 | -5.00 | -6.00 | 1.00 | -6.00 | 7.00 | -10.00 | 8.00 | -1.00 | -51.00 | -8.00 |
| Tax expense | 41.00 | 53.00 | 32.00 | 50.00 | 40.00 | 56.00 | 61.00 | 55.00 | 63.00 | 57.00 | 45.00 | 54.00 | 80.00 | 77.00 | 7.00 | 71.00 |
| Profit for the period | 123.00 | 151.00 | 166.00 | 183.00 | 158.00 | 200.00 | 209.00 | 200.00 | 211.00 | 212.00 | 234.00 | 224.00 | 251.00 | 265.00 | 346.00 | 268.00 |
| Other comprehensive income | -0.00 | -0.00 | 0.00 | -0.00 | -1.00 | -1.00 | 1.00 | 1.00 | -1.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 1.00 | -0.00 |
| Total comprehensive income | 123.00 | 151.00 | 166.00 | 183.00 | 157.00 | 200.00 | 210.00 | 200.00 | 211.00 | 212.00 | 234.00 | 223.00 | 251.00 | 265.00 | 347.00 | 267.00 |
| Earnings per share, basic | 9.23 | 11.38 | 12.45 | 13.78 | 11.87 | 15.03 | 15.70 | 14.99 | 15.88 | 15.93 | 17.57 | 16.81 | 18.88 | 19.89 | 25.96 | 20.11 |
| Earnings per share, diluted | 9.23 | 11.38 | 12.45 | 13.78 | 11.87 | 15.03 | 15.70 | 14.99 | 15.88 | 15.93 | 17.57 | 16.81 | 18.88 | 19.89 | 25.96 | 20.11 |
| Interest earned | 556.00 | 705.00 | 752.00 | 818.00 | 865.00 | 895.00 | 912.00 | 924.00 | 955.00 | 980.00 | 983.00 | 1,011.00 | 1,043.00 | 1,063.00 | 1,056.00 | 1,087.00 |
| Fees and commission income | 5.00 | 5.00 | 12.00 | 6.00 | 6.00 | 6.00 | 15.00 | 7.00 | 7.00 | 6.00 | 16.00 | 9.00 | 6.00 | 10.00 | 17.00 | 9.00 |
| Net gain on fair value changes | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Annual results, as filed
| Line | 2020-03-31 | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Revenue from operations | 2,030.00 | 2,018.00 | 1,988.00 | 2,742.00 | 3,523.00 | 3,878.00 | 4,216.00 |
| Other income | 0.00 | 0.00 | 1.00 | 1.00 | 2.00 | 1.00 | 2.00 |
| Total income | 2,030.00 | 2,018.00 | 1,989.00 | 2,743.00 | 3,525.00 | 3,880.00 | 4,218.00 |
| Cost of materials consumed | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchases of stock-in-trade | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Employee benefit expense | 54.00 | 70.00 | 77.00 | 84.00 | 97.00 | 112.00 | 177.00 |
| Finance costs | 1,344.00 | 1,208.00 | 1,154.00 | 1,701.00 | 2,231.00 | 2,488.00 | 2,563.00 |
| Depreciation and amortisation | 9.00 | 10.00 | 10.00 | 12.00 | 13.00 | 13.00 | 17.00 |
| Other expenses | 32.00 | 32.00 | 41.00 | 48.00 | 120.00 | 83.00 | 108.00 |
| Total expenses | 1,512.00 | 1,401.00 | 1,353.00 | 1,919.00 | 2,567.00 | 2,802.00 | 2,915.00 |
| Profit before exceptional items and tax | 518.00 | 618.00 | 635.00 | 824.00 | 958.00 | 1,077.00 | 1,304.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 518.00 | 618.00 | 635.00 | 824.00 | 958.00 | 1,077.00 | 1,304.00 |
| Current tax | 150.00 | 173.00 | 166.00 | 203.00 | 224.00 | 224.00 | 272.00 |
| Deferred tax | -8.00 | -12.00 | -2.00 | -0.00 | -17.00 | -3.00 | -54.00 |
| Tax expense | 142.00 | 162.00 | 164.00 | 203.00 | 207.00 | 220.00 | 218.00 |
| Profit for the period | 376.00 | 456.00 | 471.00 | 621.00 | 751.00 | 857.00 | 1,086.00 |
| Other comprehensive income | -2.00 | -0.00 | -1.00 | -1.00 | -1.00 | -0.00 | 0.00 |
| Total comprehensive income | 374.00 | 456.00 | 470.00 | 621.00 | 750.00 | 857.00 | 1,086.00 |
| Earnings per share, basic | 28.25 | 34.25 | 35.38 | 46.65 | 56.38 | 64.37 | 81.54 |
| Earnings per share, diluted | 28.25 | 34.25 | 35.38 | 46.65 | 56.38 | 64.37 | 81.54 |
| Interest earned | 2,019.00 | 2,006.00 | 1,970.00 | 2,715.00 | 3,490.00 | 3,843.00 | 4,174.00 |
| Fees and commission income | 12.00 | 12.00 | 18.00 | 27.00 | 33.00 | 36.00 | 42.00 |
| Net gain on fair value changes | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Rental income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance sheet, as filed
| Line | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Total assets | 33,070.00 | 34,885.00 | 36,602.00 | 39,187.00 | 40,967.00 | 41,755.00 | 44,381.00 |
| Property, plant and equipment | 45.00 | 45.00 | 53.00 | 44.00 | 50.00 | 0.00 | 0.00 |
| Capital work-in-progress | — | — | — | 0.00 | 0.00 | 0.00 | — |
| Goodwill | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other intangible assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash and cash equivalents | 2.00 | 16.00 | 1.00 | 1.00 | 1.00 | 2.00 | 1.00 |
| Total equity and liabilities | 33,070.00 | 34,885.00 | 36,602.00 | 39,187.00 | 40,967.00 | 41,755.00 | 44,381.00 |
| Equity | 3,647.00 | 3,961.00 | 4,344.00 | 4,702.00 | 5,067.00 | 5,462.00 | 5,980.00 |
| Equity share capital | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 | 27.00 |
| Other equity | 3,621.00 | 3,935.00 | 4,317.00 | 4,675.00 | 5,041.00 | 5,436.00 | 5,954.00 |
| Total liabilities | — | — | — | — | 35,900.00 | 36,293.00 | 38,401.00 |
Cash flow, as filed
| Line | 2022-03-31 | 2023-03-31 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -3,916.00 | -4,044.00 | -1,513.00 | -2,570.00 | -1,353.00 | 933.00 | -1,173.00 | -2,940.00 |
| Net cash from investing activities | -1,380.00 | -327.00 | -1.00 | -170.00 | -512.00 | -785.00 | 193.00 | 153.00 |
| Net cash from financing activities | 5,299.00 | 4,370.00 | 1,528.00 | 2,738.00 | 1,865.00 | -149.00 | 981.00 | 2,787.00 |
| Purchase of property, plant and equipment | 3.00 | 9.00 | 1.00 | 20.00 | 3.00 | 17.00 | 7.00 | 17.00 |
| Net increase in cash | 2.00 | -1.00 | 14.00 | -1.00 | 1.00 | 0.00 | 1.00 | 0.00 |
| con:CFO.BEFORE_TAX | -3,779.00 | -3,869.00 | -1,422.00 | -2,356.00 | -1,223.00 | 1,155.00 | -1,013.00 | -2,651.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 137.00 | 175.00 | 92.00 | 214.00 | 130.00 | 222.00 | 160.00 | 289.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 29.99 | 0.30 | 0.30 | 0.30 | 0.30 |
| Domestic institutions | 24.97 | 27.97 | 27.42 | 28.46 | 27.89 | 27.78 | 27.51 | 28.14 | 24.66 | 24.53 | 0.24 | 0.25 | 0.25 | 0.25 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 15.59 | 0.15 | 0.16 | 0.16 | 0.17 |
| Insurance companies | 1.11 | 1.80 | 1.13 | 1.75 | 2.61 | 2.02 | 5.82 | 5.85 | 5.18 | 4.16 | 0.04 | 0.03 | 0.03 | 0.02 |
| Foreign institutions | 10.35 | 10.72 | 11.36 | 11.06 | 11.51 | 11.54 | 11.68 | 11.41 | 12.14 | 12.11 | 0.13 | 0.13 | 0.13 | 0.13 |
| Public | 70.01 | 70.01 | 70.01 | 70.01 | 70.01 | 70.01 | 70.01 | 70.01 | 70.01 | 70.01 | 0.70 | 0.70 | 0.70 | 0.70 |
| Non-institutional | 34.69 | 31.32 | 31.23 | 30.49 | 30.61 | 30.70 | 30.82 | 30.46 | 33.21 | 33.38 | 0.34 | 0.32 | 0.32 | 0.32 |
| Shares outstanding | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154125 | 133154591 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Canara Bank | Sponsor Bank ( Promoter) | Any other transaction, Dividend paid, Interest paid, | 27,745,343,000.00 | 9 |
| Canara HSBC Insurance Company Limited | Joint Venture with Canara Bank | Any other transaction | 13,605,000.00 | 1 |
| Suresh S Iyer | Managing Director & CEO | Remuneration | 11,524,000.00 | 1 |
| Apurav Agarwal | Chief Financial Officer | Remuneration | 2,262,000.00 | 1 |
| Nilesh Jain | Company Secretary | Remuneration | 1,428,000.00 | 1 |
| Canbank Computer Services Limited | Subsidiaries of Canara Bank | Any other transaction | 688,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-24 | Q1FY26 | FIN HOMES LIMITED, Nidhesh Jain:, Suresh Iyer: | Read the call |
| 2026-05-04 | Q4FY26 | HOMES LIMITED, LIMITED | Read the call |
| 2026-01-24 | Q3FY26 | CAN FIN HOMES LIMITED, HOMES LIMITED | Read the call |
| 2025-10-25 | Q2FY26 | Read the call | |
| 2025-07-26 | Q1FY26 | CAN FIN HOMES LIMITED | Read the call |
| 2025-04-30 | Q4FY25 | CAN FIN HOMES LIMITED, FIN HOMES LIMITED | Read the call |
| 2025-01-27 | Q3FY25 | CAN FIN HOMES LIMITED | Read the call |
| 2024-10-29 | Q2FY25 | CAN FIN HOMES LIMITED, LIMITED | Read the call |
| 2024-07-26 | Q1FY25 | CAN FIN HOMES LIMITED | Read the call |
| 2024-05-06 | Q4FY24 | Read the call | |
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED, HOMES LIMITED | Read the call |
| 2023-10-21 | Q2FY24 | Read the call | |
| 2023-07-26 | Q1FY24 | DIRECTOR, EXECUTIVE OFFICER, MANAGER | Read the call |
| 2023-05-03 | Q4FY23 | CAN FIN HOMES LIMITED | Read the call |
| 2022-10-22 | Q2FY23 | LIMITED | Read the call |
| 2022-07-25 | Q1FY23 | DIRECTOR, CANFIN HOMES LIMITED, LIMITED | Read the call |
| 2022-05-10 | Q4FY22 | DIRECTOR, CANFIN HOMES LIMITED | Read the call |
What they said about it, quarter by quarter
| Topic | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY22 | Q4FY23 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | So a little bit of cost in the next year might slightly go up because of the capex and the opex, which will be there in the third and fourth quarter o… | — | — | — | — | — | — |
| Capital allocation | If we have to split the open in terms of cost of acquisition, cost of collections and business as usual, what would be the ballpark percentage? | — | — | — | — | — | April 24, 2025 of dividend payout ratio, which for us was very, very low about say three years back or something as low as about 7-8% or something. | — |
| Debt and cash | — | So even if a customer pays in Q4, I would probably say that the stress in the customers' cash flow is definitely there. | — | — | — | — | — | — |
| Demand | — | And going forward, we still have about 15 branches, which are in the pipeline. | And there is a good amount of demand for the -- in the medium to long-term range because we don't want to have a one-off situation where suddenly for … | So, any particular geography or states that we have seen the demand is relatively strong. | Having said that now with the rates being stable we can look at some improvement in the demand and from supply side also post the CLSS is being gettin… | But is that even the mid-segment, are there some issues that they have been seeing industry-wide that can lead to further slowdown or inflation creepi… | — | Or are there, I mean, real structural triggers at play, which is -- are leading to a good demand. |
| Guidance | As a result the provisioning number in the third quarter has been high, but in terms of the total NPA and the restructured book, this is coming to a l… | However, with this matter, which we are now following up, the provisioning in Q4 where we expect the recoveries to also improve, we expect that the pr… | But going forward, now that with the additional 15 basis points, we expect that the rates would -- the spreads will kind of stabilize around this numb… | My three questions first for the entire year if we look at the kind of OPEX growth that is taking place and that is common phenomena for the entire ba… | On the NIM front and the spread front as you all know the rates have been going up and therefore in the earlier quarters on the liability side the ent… | However, if you were to ask for our guidance, you would probably say that in terms of the spread, we would look at about 2.5% and 3.5% NIM is what we … | So net-net, if you exclude the management overlay, the ECL provisioning or the credit cost would be around Rs.50 crores approximately, which is about … | Sir one thing is we guide for a certain disbursement, certain sanction number, right? |
| Margin | Just last thing is considering where the reset that you have had on a quarterly basis now, do you believe in the near term, is there any implication i… | — | — | And the last question on margins, when you see the spreads will go down to 2.5 and margin on a sustainable basis 3.7, is it more to do with funding co… | Any one-offs because we have seen net interest margin you reported net interest margin dropped from 3.47 to 3.37 despite spreads increasing by 2.24 to… | — | So given the consecutive rate cuts, how do you see the cost of fund trending in FY26 and how will you pass on the rate benefit to the end customers an… | — |
| People | — | — | One or two -- given one or two here and there attrition and new joinings and all those things. | No, if you look at employee is basically one is new hiring. | Got it and last question is on the hiring of CRO and the CFO where are we in that? | — | So you already have some kind of a buffer for provision coming in the future, and plus your topping management overlay who's utilization of how and wh… | — |
| Pricing | However, as in one of the earlier points we had mentioned that we are looking at a slight increase in our ticket size and moving up in terms of the ti… | Therefore, there is not much of a scope to compromise too much on the pricing of the products particularly. | Sir, so I mean -- I think in Q3 also, you had highlighted that we might play this pricing strategy-related tweak because -- so that we can gain moment… | — | We will be operating in a very competitive scenario wherever it is possible but at the same time maintaining a healthy spread and NIMs so a 2.5% kind … | So getting this thing, it would not be that -- it will be difficult or anybody's pricing, undercutting or anything of that sort. | — | Therefore, whatever we are expecting a reduction in our NHB refinance rates or whatever we are able to get in terms of our better pricing from a bank … |
| Revenue growth | Somewhere during this call you had guided for Rs.12000 Crores of disbursement next year and 20% kind of CAGAR, so just trying to understand that subse… | — | However, compared to the Q2 also, we have had a sequential growth of about 7% in disbursements. | So, obviously my revenue growth has to be higher than the OPEX growth. | So, the company has had a good disbursement growth of 8% for the entire year and a portfolio growth of 18%. | Sir, can you -- I mean, elaborate a bit more on from the time you joined our acquisition advances growth of 20%, which we have kind of moderated to 15… | Like our North zone last year consistently throughout the year, quarter-on-quarter we were able to have a good healthy growth of 25%-plus and ended wi… | — |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED | In terms of the non-restructured book, our NPAs are well within our norms and it is around 0.62% which is not very different from the 0.55% and this is more seasonal and by March that also we expect to come down. |
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED | So, in Q4 going forward, we expect some Rs.20 Crores to Rs.30 Crores reduction in the absolute recovery figure that is a gross NPA numbers, which should therefore help us reach the number of about 0.75% to 0.80% gross NPA numbers by the end of the year. |
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED | Third point as regard the yield and cost, we had rating upgrade from ICRA for our borrowing program and now we are rated AAA, earlier we were AA+, so that has helped us in terms of some borrowing and going forward also we expect that will help us a little bit in our borrowing particularly our NCD and in this current quarter, we had therefore not a very high increase in our cost of borrowing and as compared to that increase in terms of the yield on the loan book, thanks to the Rs.6700 Crores of opening book were one rate reset was yet to be passed on, the yield has improved and therefore the sp |
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED | Going forward at the end of the fourth quarter, we expect that we will be able to sustain spread of about 2.6% and NIM of around 3.7% to 3.8% so that is the kind of time, because in terms of the cost, we do not expect much of increase, because some of it is aided by our rating upgrade and second is that we are also hopeful that we might be able to get NHB refinance which is our cheapest source of borrowing. |
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED | So these are some of the critical points in terms of our performance for the third quarter and as indicated going forward we expect to have a disbursement of Rs.2500 Crores in Q4 as we have already reached Rs.700 Crores run rate per month. |
| 2024-01-27 | Q3FY24 | CAN FIN HOMES LIMITED | So that would help us our AUM growth of 13% to 14% and once again summarizing, our NPA we expect to be down to 0.75% to 0.80% at the end of the fourth quarter and spread a NIMs at around 2.6% and 3.6%, 3.8% that is a kind of thing. |
| 2024-07-26 | Q1FY25 | CAN FIN HOMES LIMITED | July 22, 2024 and confident that we should be able to bring down as the quarters pass and by end of the year, we are still projecting and continue to hold our guidance as regards to the gross NPA to come down to below 0.8%. |
| 2024-07-26 | Q1FY25 | CAN FIN HOMES LIMITED | In terms of the GNPA, we had indicated, this is a cyclical trend, and we are confident that we should be able to continue to hold the guidance of 0.8% gross NPA by the end of the year. |
| 2024-07-26 | Q1FY25 | CAN FIN HOMES LIMITED | And in terms of ROA and ROE, we continue to hold the same guidance of about 2.1% in terms of ROA and 17% in terms of our ROE. |
| 2024-07-26 | Q1FY25 | CAN FIN HOMES LIMITED | July 22, 2024 So since then in Q1, we have not raised any NCD, we have not raised any NHB refinance, but traditionally NHB refinance, if the AHF comes, we expect the funds to come at around 6.75%, but that's, of course, subject to the approval and everything. |
| 2024-10-29 | Q2FY25 | CAN FIN HOMES LIMITED | So, that also should help us in the third quarter and so we don't expect any deterioration in the spread and we continue to have the same guidance of (+2.5%) spread and (+3.5%) NIM. |
| 2024-10-29 | Q2FY25 | CAN FIN HOMES LIMITED | So, if it goes to about 40 also, about 20 to 25 crores is what we expect the incremental OPEX on annual basis to go up once the new IT project is implemented somewhere by end of December ‘25. |