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Futurecaps Recommends – Can Fin Homes

Can Fin Homes is one of India’s reputed housing finance firms. It mainly caters to salaried professionals from lower and middle segments, in addition to developers and corporates.

Its product portfolio includes: housing finance tailored to individuals, affordable homes, and PMAY-linked borrowers. It also provides loans beyond housing, such as commercial property loans, mortgage financing, rent receivable loans, and top-ups.

For individuals, Can Fin also provides lending solutions like personal, education, and pensioner loans while mobilizing deposits.

The company operates in three key segments: Housing Finance, Non-housing Finance, and Deposits. The average loan ticket size is ?18L in housing, ?9L in non-housing finance. It also raises funds via deposits regulated by the National Housing Bank.

Headquartered in Bengaluru, Can Fin has a widespread network spanning 205 branches, affordable housing centers, and satellite offices across India. Shri Suresh S Iyer is the current Managing Director & CEO.

Business Segments

• Housing Finance
• Non-Housing Finance
• Deposits

Strengths

• 205 branches across 21 states and UTs, serving diverse geographies.
• Plans to expand network and penetrate new high-potential markets. free multibagger
• Earnings CAGR of ~17.1% over the last 5 years.
• Intrinsic value estimated above 30%.
• Average borrowing cost at 6.5%, sustaining healthy spreads.
• Loan book crossed ?30,000 crore – strong business growth.
• 27% loan share from self-employed customers (?8,477 crore).
• Attractive valuation: P/E ~15X vs peer average ~24X.
• Better value than Indian diversified financial industry average (28.9X).
• Revenue forecasted at 14.7% growth vs Indian market 9.6%.
• Earnings growth forecast ~13.6%, higher than savings rate.

Negatives

• Intense competition from banks and larger HFCs in Tier I & II cities.
• Credit risk due to borrower defaults.
• Macroeconomic factors like inflation, demand-supply, and interest rates can cause liquidity and funding risks.

Stock Analysis at a Glance

• Economic Moat – Moderate
• Growth – Good
• Valuation – Good
• Debt – High
• Integrity – Moderate

Final View

The company has the potential to deliver multibagger returns in the order of 300–500% over the next 5–10 years. Check our detailed research note for complete reasoning.

Who We Are

Futurecaps is a SEBI-registered Research Analyst (INH200006956) serving Indian investors since 2012. We focus on Buffett-style investing, building over 50 multibagger picks. Our pricing remains affordable so that every growing investor can access quality research.