AnnualReportAI — Business Intelligence
Financial & Valuation Intelligence™

Can Fin Homes Limited

NSE
CANFINHOME
Sector: Financial Services· Housing Finance Company
Current Price
₹708.3
Market Cap
₹9.56K Cr
AI Financial Summary

Can Fin Homes Limited demonstrates strong growth in revenue and profit, coupled with robust profitability metrics. The company appears significantly undervalued based on current market price compared to its calculated fair value, suggesting substantial potential for shareholder value creation. However, negative cash flow from operations and free cash flow require close monitoring.

Business Performance (CAGR)

10 Years
Revenue
13.5%
PAT
18.5%
EPS
18.5%
Book Value
21.0%
Free Cash Flow
—

Valuation Snapshot

P/E9.7
P/B1.8
EV/EBITDA12.2
P/S2.3
Div Yield2.09%

Financial Health

Debt to Equity6.4
Interest Coverage1.5x
Current Ratio2.15
Cash & Investments₹2.45K Cr

Profitability Metrics

ROE
18.2%
ROCE
8.7%
ROA
2.4%
EBITDA Mgn
92.1%
Op Margin
91.7%
Net Margin
25.7%

Cash Flow Intelligence

Operating Cash Flow₹-2.91K Cr
Free Cash Flow₹-2.99K Cr
Cash Conversion-268.0%
FCF Margin-70.8%

Intrinsic Value

Premium
Estimated Intrinsic Value
████████
Current Price₹708.3
Margin of Safety██.██%
Unlock with Premium

Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.

AI Business Verdict

Can Fin Homes demonstrates strong fundamental business performance, characterized by consistent growth in revenue and profit, and excellent profitability metrics. The company appears significantly undervalued by the market, presenting a substantial opportunity for long-term value creation. However, the persistently negative cash flow from operations and free cash flow, alongside a relatively high debt-to-equity ratio, are key areas that require close monitoring and strategic improvement.

  • Consistent and strong revenue growth.
  • Robust net profit and EPS growth.
  • High operating and net profit margins.
  • Strong Return on Equity (ROE).

Balance Sheet

AI-Powered Analysis
Balance Sheet Strength™
63/100
Good

Can Fin Homes Limited maintains a balanced sheet with adequate liquidity and manageable leverage.

AI Confidence
92%
Stability
60
Flexibility
44
Strength Factors
Liquidity92
Leverage40
Working Capital92
Asset Quality15
Shareholder Strength98
Financial Stability60
Financial Flexibility™
44/100
Weak

Capacity to fund growth, withstand downturns and return capital.

Total Assets
₹44.38K Cr
▲ 9.6% YoY
Total Liabilities
₹38.40K Cr
▲ 8.4% YoY
Shareholder Equity
₹5.98K Cr
▲ 18.0% YoY
Net Cash Position
₹-35.81K Cr
Monitor
Debt / Equity
6.40x
Elevated
Enterprise Value
₹45.37K Cr
Capital Structure
Assets
₹44.38K Cr
Equity
₹5.98K Cr (13.5%)
Liabilities
₹38.40K Cr (86.5%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity6.40x
Interest Coverage1.5x
Debt / EBITDA35.24x
Net Debt₹35.81K Cr
Debt Trend (5Y)26.4%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio2.15
Quick Ratio2.15
Cash Ratio0.01
Working Capital₹164 Cr
Operating Cash CoverageWeak
Short-term LiquidityExcellent
Working Capital Intelligence™
CCC Trend
Receivable Days0
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion Cycle0 days
Asset Quality (% of Total Assets)
Cash & Investments0.7%
Property, Plant & Equip.0.1%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets99.8%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)21.0%
Net Worth CAGR (5Y)21.0%
Retained EarningsExcellent
Equity Dilution0.00%
Buyback EfficiencyStrong
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskHigh
Liquidity RiskLow
Working Capital RiskLow
Refinancing RiskHigh
Asset Quality RiskHigh
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskElevated
Balance Sheet Stress Test™
Economic Slowdown26
Acquisition Capacity43
High Interest Rates40
Dividend Sustainability71
Revenue Decline68
Cash Flow Resilience50
Expansion Capacity65
Overall Resilience Score
52/100
Fragile — Review Risks
AI Balance Sheet Commentary
Overall Assessment
  • Can Fin Homes Limited maintains a balanced sheet with adequate liquidity and manageable leverage.
What Stands Out
  • Strong shareholder equity growth
  • Comfortable short-term liquidity cushion
  • Efficient working capital cycle
Areas To Monitor
  • Elevated debt-to-equity ratio
  • Thin interest coverage — cyclical earnings risk
  • Large 'other assets' bucket — investigate composition
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026