Can Fin Homes Shares Jump 4% After Q2FY26 Net Profit Increases 18% to ₹251 Crore

Bengaluru, Oct 20, 2025 – Can Fin Homes Ltd shares (NSE: CANFINHOME) surged by more than 4% in Monday trading session. This rally came following the company’s satisfactory second-quarter performance for FY26. The stock opened at ₹819.05 and reached an intraday high of ₹836.95, against its last close of ₹801.05, amid investor optimism over its strong results and consistent loan growth.

Q2FY26 Financial Highlights

For the quarter ended September 30, 2025, Can Fin Homes recorded a net profit of ₹251 crore, a growth of 18% from ₹211 crore in the preceding year corresponding period. The loan assets of the company grew to ₹39,657 crore as of September 2025, up by 8% year on year, with housing loans constituting 74% of the portfolio and non-housing (including commercial real estate) accounting for the remaining 26%.

In the first half of FY26, profit before tax was at ₹609 crore, up from ₹529 crore during the same period in FY25, a growth of 15%. Profit after tax increased by 16% to ₹479 crore from ₹411 crore during the same period last year. The spreads also remained healthy at 2.79% and a net interest margin (NIM) of 3.83%, higher than 3.65% of the previous year. Return on assets (ROA) improved to 2.32%, while return on equity (ROE) remained steady at 17.40%. The debt-equity ratio stood at 6.61, reflecting strong balance sheet leverage.

Loan disbursements during the first half of FY26 climbed to ₹4,560 crore from ₹4,233 crore a year earlier, showing 7% year-on-year growth, driven by sustained demand for housing finance.

Robust Liquidity and Asset Quality

Could Fin Homes have sustained a comfortable liquidity profile with a Liquidity Coverage Ratio (LCR) of 217.24%, significantly higher than the regulatory floor of 85%. The total provisions against expected credit losses accounted for ₹495 crore, comprising a management overlay of ₹59 crore and ₹40 crore held back for restructured accounts. This reflects sound risk control and pursuit of asset quality stability.

Deposit and Ratings Update

The fixed deposit portfolio of the company was worth ₹202 crore at an interest rate of 7.50% for 36-month cumulative deposits with an added 0.25% interest for senior citizens. Can Fin Homes’ credit standing was reaffirmed with “AAA” (Stable) ratings from ICRA and an “A1+” rating from CARE, which highlights its good financial health and stability in funding.

Market Snapshot

As of 2:36pm IST, the stock was at ₹839.40, rising 4.86%. It traded between a day’s high of ₹810.00 and a day’s low of ₹836.95, with a VWAP of ₹822.35. The market capitalization of the company was ₹11,090 crore, and the stock traded at a price-to-earnings (P/E) ratio of 12.10. In the last 52 weeks, the stock has moved between ₹558.50 and ₹897.95 and is a component of NIFTY Smallcap 250 index.

About Can Fin Homes

Established in 1987 and sponsored by Canara Bank, Can Fin Homes Ltd is a Bengaluru-headquartered housing finance firm that provides home loans and fixed deposit products. It has a network of 248 branches spread over 21 states and union territories. Its stable performance, strong asset quality, and retail home loan focus continue to consolidate its position in India’s housing finance industry.

REF: https://nsearchives.nseindia.com/corporate/CANFINHOME_18102025200954_CANFINHOMESIntimation_press_release_Q2FY25.pdf

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