Can Fin Homes Limited (511196) Earnings Call Transcripts

Can Fin Homes Limited's Latest Earnings Call - Q4 FY2026

In Q4 FY '26, Can Fin Homes Limited reported a strong performance with disbursements reaching an all-time high of INR 3,245 crores, exceeding the guidance of INR 10,500 crores for the year. The company achieved a profit of INR 857 crores, reflecting a 20% growth year-over-year, despite facing challenges with elevated prepayments. Management has set a target of INR 13,000 crores in disbursements for FY '27, indicating confidence in continued growth, particularly in Karnataka and Telangana, where performance has stabilized.

Reported metrics

Guidance from management

Management has set a disbursement target of INR 13,000 crores for FY '27, reflecting confidence in growth despite challenges. They maintained a conservative credit cost guidance of 15 basis points.

What management said

0 See, actually, today, almost 85% plus is on quarterly reset. And in terms of our -- in terms of our liability side, about 62%, which is the bank-related loans is on the link to report so if there is a reported increase on the liability side, about 62% of the book will be witnessed a liability book will witness an increase immediately or in the coming months. Whereas on the asset side, since 85% is quarterly, that ...

No, that will be -- they will definitely contribute. In fact, as I had mentioned earlier, the LOS LMs, once it is introduced, we will be able to bring in a lot of efficiency in terms of our delivery. And we are also increasing the percentage of our business coming through our direct sourcing through our own sales team. So that will obviously help us in a little -- in managing our or reducing our costs. So those are -...

What analysts pressed on

Analysts expressed concerns regarding the impact of increased competition from LIC Housing and Bajaj Finance on market share and profitability. Additionally, there were questions about the sustainability of growth in disbursements and the potential impact of geopolitical factors on delinquency rates.

Main topics on the call

• Record Disbursement Performance — Can Fin Homes achieved a record disbursement of INR 3,245 crores in Q4, marking a significant increase and exceeding the annual guidance. Management stated, "the company has ended with a disbursement marginally in excess...
• AUM Growth Expectations — The company reported an AUM growth of 10.44% for the year, slightly below the initial target of 11-12%. Management indicated a more conservative estimate for FY '27, projecting a net addition of INR 6,000 crores to the b...
• Delinquency and Credit Costs — For the fifth consecutive quarter, Can Fin Homes reported a reduction in absolute delinquency numbers, with GNPA decreasing to 0.85%. Management expects credit costs to remain benign, projecting a conservative guidance o...
• Shift to Quarterly Reset — Management highlighted a significant shift in the loan portfolio, with over 85% now under quarterly reset, which is expected to stabilize spreads. They stated, "the entire benefit of the quarterly reset that 50 basis poi...

Read the full Can Fin Homes Limited transcript (Q4 FY2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 31 Can Fin Homes Limited earnings call transcripts on record, spanning January 21, 2020 to July 20, 2026. Based on this history, Can Fin Homes Limited reports quarterly. The most recent call on file is dated July 20, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

511196

Exchange

BSE

Country

IN

Sector

Financials

Industry

Financial Services

Calls on record

31

First call

January 21, 2020

Most recent

July 20, 2026

Reporting cadence

quarterly