Can Fin Homes Reports Strong 25% Profit Growth in Q3FY26

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Can Fin Homes Reports Strong 25% Profit Growth in Q3FY26

CFHL continues to benefit from high credit ratings, with its fixed deposit and long-term debt programs rated "AAA Stable" by ICRA and CARE.

Can Fin Homes Limited (CFHL) announced its financial results for the quarter ending December 31, 2025, demonstrating strong double-digit growth. The company reported a Net Profit of Rs 265 crore for the third quarter, a significant 25 per cent increase compared to the Rs 212 crore recorded in the same period last year. This bottom-line growth was supported by an improved Net Interest Margin (NIM) of 4.14 per cent and a healthy Return on Equity (ROE) of 18.80 per cent, reflecting efficient capital management and operational strength.

The company’s loan portfolio expanded by 10 per cent year-on-year, reaching Rs 40,683 crore by December 2025. Housing loans remain the core of the business, constituting 73 per cent of the total loan book, while non-housing and CRE loans make up the remaining 27 per cent. Lending operations showed robust momentum, with nine-month disbursements rising by 19 per cent to reach Rs 7,287 crore, indicating steady demand in the housing finance sector.

In terms of asset quality and risk management, CFHL maintains a conservative approach with a total provision of Rs 505 crore, which includes a management overlay of Rs 59 crore. The company’s liquidity position remains exceptionally strong, boasting a Liquidity Coverage Ratio (LCR) of 332.60 per cent, far exceeding the regulatory requirement of 100 per cent. Additionally, the firm holds Rs 3,947 crore in undrawn Bank lines to ensure all business commitments are met over the coming months.

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CFHL continues to benefit from high credit ratings, with its fixed deposit and long-term debt programs rated "AAA Stable" by ICRA and CARE. The deposit portfolio currently stands at Rs 217 crore, supported by competitive interest rates of up to 7.50 per cent for 36-month tenures. With a retail network of 249 branches across 21 states and union territories, the company remains well-positioned to sustain its geographical footprint and service its growing customer base across India.

About the Company

Can Fin Homes Ltd. is a leading deposit-taking housing finance company registered with the NHB, backed by a significant 29.99 per cent stake from Canara Bank. The firm specialises in providing small-ticket housing loans, primarily catering to the financial needs of the salaried, professional, and self-employed non-professional (SENP) segments across India. Known for its strong institutional heritage and focus on affordable home ownership, the company maintains a robust pan-India presence while offering high-rated public deposit schemes.

The company has a market cap of over Rs 12,000 crore with a PE of 13x whereas the industry PE is 16x. The stock is up by 33 per cent in 1 year and a whopping 383 per cent in a decade.

Disclaimer: The article is for informational purposes only and not investment advice.