How Did Can Fin Homes Deliver Steady Growth and Record Profitability in Q2 FY26?
Can Fin Homes Ltd has once again demonstrated resilience and consistency in its financial performance. For Q2 FY26, the housing finance major delivered strong profitability with improving spreads, stable asset quality, and a healthy funding position. The company’s strategic focus on affordable housing and prudent underwriting continues to sustain double-digit returns even amid a competitive home loan market.
In its latest quarterly update, Can Fin Homes reported a Q2 FY26 PAT of ₹251 crore, marking an 18% year-on-year increase. For H1 FY26, PBT stood at ₹609 crore (+15% YoY), and PAT reached ₹479 crore (+16% YoY). Loan assets rose 8% YoY to ₹39,657 crore, supported by a balanced mix of housing and non-housing segments.
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Despite sector-wide competition, Can Fin Homes maintained robust profitability metrics. The spread stood at 2.79%, while the Net Interest Margin (NIM) remained healthy at 3.83%. The company achieved a Return on Assets (ROA) of 2.32% and a Return on Equity (ROE) of 17.4% — among the best in the housing finance space.
Can Fin Homes Q2 & H1 FY26 Financial Summary
| Metric | Value | YoY / Notes |
|---|---|---|
| Q2 FY26 PAT | ₹251 crore | +18% |
| H1 FY26 PBT | ₹609 crore | +15% |
| H1 FY26 PAT | ₹479 crore | +16% |
| Loan Assets | ₹39,657 crore | +8% |
| Spread | 2.79% | Stable |
| NIM | 3.83% | Consistent |
| ROA | 2.32% | High Efficiency |
| ROE | 17.4% | Strong Return |
The loan book at ₹39,657 crore comprises 74% housing loans and 26% non-housing loans. Disbursements during the quarter touched ₹4,560 crore, growing 7% YoY, reflecting steady demand in both individual housing and LAP segments.
On asset quality and provisioning, the Expected Credit Loss (ECL) stood at ₹390 crore, with total provisions at ₹495 crore. This includes ₹59 crore of management overlay and ₹40 crore related to restructured accounts, highlighting conservative provisioning practices.
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Liquidity remains robust, with a Liquidity Coverage Ratio (LCR) of 217% against a regulatory requirement of 85%. Funding sources are diversified, including ₹4,818 crore in bank lines and ₹1,500 crore of NHB refinance. The deposit portfolio now stands at ₹202 crore, offering competitive rates of 7.5% for 36 months, with an additional 0.25% for senior citizens.
Can Fin Homes’ funding strength is reinforced by its top-tier credit ratings — AAA (Stable) for long-term and subordinated debt, and A1+ for commercial paper from both CARE and ICRA. Its fixed deposit program also carries an AAA rating, underscoring strong creditworthiness and financial stability.
The company continues to expand its retail presence with 248 branches across 21 States and Union Territories. Its focus on affordable home loans, prudent risk management, and operational efficiency continues to deliver sustainable growth even in a rising rate environment.
Investor Takeaway
Indian-Share-Tips.com Nifty Expert Gulshan Khera, CFP®, who is also a SEBI Regd Investment Adviser, notes that Can Fin Homes remains a stable compounder within India’s housing finance landscape. Its ability to maintain spreads, deliver consistent ROE, and retain a high-quality loan portfolio make it a preferred choice among long-term investors seeking steady returns.
With improving funding diversity, robust liquidity, and a strong credit profile, Can Fin Homes appears well-positioned to sustain double-digit growth over the next few years.
Discover more such insightful analyses and research-driven commentary at Indian-Share-Tips.com, which is a SEBI Registered Advisory Services.
Related Queries on Can Fin Homes Results
- How Strong Is Can Fin Homes’ Loan Growth and Profitability in FY26?
- What Drives Can Fin Homes’ High ROE and Consistent Margins?
- Is Can Fin Homes Positioned for Sustainable Expansion in Housing Finance?
SEBI Disclaimer: The information provided in this post is for informational purposes only and should not be construed as investment advice. Readers must perform their own due diligence and consult a registered investment advisor before making any investment decisions. The views expressed are general in nature and may not suit individual investment objectives or financial situations.
