Can Fin Homes Limited Earnings Summary — Q1 FY2027
Can Fin Homes Reports 19.6% YoY Net Profit Growth in Q1 FY27 Despite Seasonal QoQ Dip
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue has increased for 10 consecutive quarters.
- Revenue of ₹1,096 Cr is 7.4% higher year-on-year.
- Revenue has compounded at 7.7% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
- Net profit of ₹268 Cr is 19.6% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at 11.6% annualised across the period.
- Operating margin stands at 91.3% in Q1 FY2027.
- Operating margin expanded by 21 bps year-on-year.
- Over the last two years operating margin has contracted by 112 bps.
- PBT margin is 30.9%.
- Expense growth of 5.0% remained below revenue growth of 7.4%.
- Operating profit of ₹1,001 Cr is 7.7% higher year-on-year.
- Operating leverage has been under pressure recently.
- 6 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 70/100 (Strong) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Stable | 1,096 | 1,074 | 1,073 | 1,049 | 1,020 | 999 | 986 | 962 | 931 | 927 |
| Expenses | Improving | 96 | 83 | 85 | 75 | 91 | 82 | 78 | 70 | 71 | 70 |
| Operating Profit | Stable | 1,001 | 990 | 988 | 974 | 929 | 917 | 908 | 892 | 860 | 857 |
| Operating Margin | Stable | 91.3% | 92.3% | 92.0% | 92.8% | 91.1% | 91.8% | 92.1% | 92.7% | 92.4% | 92.5% |
| Other Income | Accelerating | 0 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 |
| Interest | Stable | 659 | 634 | 642 | 639 | 648 | 634 | 636 | 616 | 603 | 584 |
| Depreciation | Stable | 3 | 5 | 4 | 4 | 3 | 4 | 3 | 3 | 3 | 4 |
| Profit Before Tax | Stable | 339 | 353 | 341 | 332 | 278 | 279 | 269 | 274 | 255 | 270 |
| Tax | Volatile | 71 | 7 | 77 | 80 | 54 | 45 | 57 | 63 | 55 | 61 |
| Net Profit | Improving | 268 | 346 | 265 | 251 | 224 | 234 | 212 | 211 | 200 | 209 |
| Net Margin | Stable | 24.4% | 32.2% | 24.7% | 24.0% | 21.9% | 23.4% | 21.5% | 22.0% | 21.4% | 22.6% |
Key Takeaways
- Net interest income and total operations income grew steadily to ₹1,096.33 crore, a 7.4% YoY increase.
- The company maintained a robust Capital Risk Adequacy Ratio (CRAR) of 23.39% as of June 30, 2026.
- Asset quality remains stable with Gross Non-Performing Assets (GNPA) at 0.87% and Net NPA at 0.42%.
- Profitability took a sequential (QoQ) hit of 22.5% primarily due to high balancing figures in the preceding quarter (Q4 FY26).
- Provisions for Expected Credit Loss (ECL) and Write-offs decreased significantly year-over-year to ₹13.06 crore compared to ₹26.25 crore in Q1 FY26.
- The Reserve Bank of India imposed a small penalty of ₹2.70 lakh regarding 'Fair Practices Code' non-compliance, which has since been remediated.
- The company successfully redeemed secured NCDs worth ₹935 crore during the quarter.
Management Guidance
Management is focusing on geographic expansion into North and West India and implementing centralized processing to enhance internal controls following historical fraud incidents.
Sentiment Shift
Stable
While the quarterly net profit dipped sequentially, the strong year-over-year growth and healthy asset quality indicators suggest stable core business performance.
Outlook
The company maintains a high-quality borrower profile with a focus on salaried professionals, providing a resilient base for growth. Strategic emphasis remains on digitalization of credit appraisals and centralized processing to drive efficiency.
From the Annual Report (Key Quotes)
“The financial results... have been prepared in accordance with the recognition and measurement principles laid down in Indian Accounting Standard 34.”
“The Company implemented corrective measures effective April 1, 2026... and is now in compliance with the above RBI directions.”
“The Company has maintained 100% Asset Cover on its secured redeemable non-convertible debentures as on June 30, 2026.”
Official Quarterly Documents
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This summary is AI-generated from Can Fin Homes Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.