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Can Fin Homes Limited (511196) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Can Fin Homes Limited ₹837, price ₹709, upside +18.0%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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CF
Thin data
Sep 24, 2026
Can Fin Homes Limited
511196 · BSEUndervaluedThe stock appears undervalued with acceptable quality.
✓Fair value ₹836.86 · Undervalued (+18.0%)
!Quality 51/100
✓Healthy Growth (revenue 5y +13.8 %/yr)
✓Highly profitable · 62.5% net margin (TTM)
!High debt
✓0.3% dividend yield · Well covered
✓Wide moat 73/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹396.16 – ₹941.29 · fair‑value band ₹437.74 – ₹971.01 · the ₹709.30 price screens below the ₹836.86 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Can Fin Homes Limited provides housing finance services primarily to individuals and builders/developers in India.
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Can Fin Homes Limited provides housing finance services primarily to individuals and builders/developers in India. The company offers housing loans, such as individual housing loans, affordable housing loans, composite loans, and top-up loans; and non-housing loans, including mortgage loans, site loans, loans for commercial properties, loans against rent receivables, personal loans, loans for children education, and loans for pensioners, as well as fixed and cumulative deposits. As of March 31, 2020, it operated 165 branches, 21 affordable housing loan centers, and 14 satellite offices. Can Fin Homes Limited was founded in 1987 and is headquartered in Bengaluru, India.
Stock analysis
Can Fin Homes Limited (511196) currently trades at ₹709.30, while our model-based Fair Value estimate is ₹836.86, implying the stock looks roughly 15.2% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹1,392 per share, and 3 of the 9 models we run sit above the ₹709.30 price.
Bear case: the DCF Models group reads lowest at ₹89.26, and 6 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹437.74 (bear) to ₹971.01 (bull), the price of ₹709.30 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Can Fin Homes Limited reported revenue of ₹38.8B in FY2025 versus ₹20.2B in FY2021, a compound +17.7%/yr. Reported net income was ₹8.6B in FY2025, compounding +17.1%/yr from FY2021.
Key figures
Market cap ₹94.4B (≈ $981M) · P/S ratio 9.33 · EPS (TTM) ₹31.48 · Dividend yield 0.3% · Net margin 22.1% · Return on equity 19.5% · Return on assets (EBIT) 2.6% · Operating margin 83.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at 18%, 511196 screens richer than that median.
Fair Value models
Bear ₹437.74
Fair Value ₹836.86
Bull ₹971.01
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (₹29.48 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF
n/a
n/a
₹918.94
74
Residual Income
₹375.11
₹499.28
₹795.70
74
Owner Earnings
n/a
₹89.26
>₹357.04
73
All 13 models by family
DCF Models
Owner Earnings
n/a
₹89.26
>₹357.04
73
5Y P/E Exit
n/a
n/a
₹664.00
67
10Y P/E Exit
n/a
n/a
₹979.73
61
Earnings-Based
Graham-Dodd
₹437.74
₹3,053
₹4,284
63
Lynch FV
₹974.24
₹1,392
₹1,809
61
Dividend Discount
Gordon GGM
₹77.69
₹140.00
₹192.73
68
DDM Multi-Stage
₹77.69
₹127.89
₹149.55
67
Multiples
P/E Multiple
₹627.65
₹836.86
₹1,046
63
P/B Multiple
₹399.60
₹532.80
₹666.00
55
Asset-Based
NCAV (Graham)
₹190.29
₹254.98
₹380.57
54
Growth DCF
Growth DCF
n/a
n/a
₹918.94
74
Rev-Margin DCF
n/a
n/a
₹192.91
69
Economic Profit
Residual Income
₹375.11
₹499.28
₹795.70
74
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Set up alert →Quality Score breakdown
Overall quality
51/100
Of which business quality 46 · Market factors (momentum, volatility) 40
Profitability
38
Margins and returns on capital today
Quality Growth
48
Are margins and returns improving?
Cashflow
74
Earnings quality: real cash, not paper profit
Fin. Strength
0
Balance sheet, leverage, solvency risk
Investment
47
Disciplined investing over empire-building
Low Volatility
80
Calm price path (market factor)
Momentum
29
Price trend over the last 3–12 months (market factor)
52W Momentum
13
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+10.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.8%
Start year 2020 (pandemic). Over 10 years: +34.9% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+34.5%
’14
’15
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’17
’18
’19
’20
’21
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’23
’24
’25
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+16.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.7%
Dividend (yield on the price)0.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.17.9% vs 18.5%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.26% → 28%
Start year 2020 (pandemic)
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 90 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $12.00 | $24.00 | +100% |
| Rocket Companies, Inc RKT | $11.97 | $2.81 | −77% |
| Federal National Mortgage Association FNMAS | $8.40 | $2.00 | −76% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹83.14 | ₹25.20 | −70% |
| PennyMac Financial Services, Inc PFSI | $65.46 | $125.39 | +92% |
| UWM Holdings UWMC | $1.24 | $0.2100 | −83% |
| LIC Housing Finance Limited LICHSGFIN | ₹564.15 | ₹1,128 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,098 | ₹1,329 | +21% |
| Aadhar Housing Finance Limited AADHARHFC | ₹448.40 | ₹611.66 | +36% |
| Guild Holdings GHLD | $64.54 | $55.87 | −13% |
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Frequently asked questions
Is Can Fin Homes Limited (511196) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹836.86 versus a price of ₹709.30, about +18% upside (undervalued).
What is the fair value of 511196?
Our model-based fair value for Can Fin Homes Limited is ₹836.86 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹709.30.
What is the quality score of 511196?
Can Fin Homes Limited has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Can Fin Homes Limited (511196)?
Our model-based price target is the fair value of ₹836.86 (as of Sep 24, 2026) from 13 valuation models. Cautious scenario ₹437.74, optimistic scenario ₹971.01. It is a calculation from audited fundamentals, not an analyst target.
What is the Can Fin Homes Limited stock forecast for 2026?
Our models put fair value at ₹836.86, about +18% upside versus a price of ₹709.30 (undervalued). Cautious scenario ₹437.74, optimistic scenario ₹971.01. The calculation is refreshed regularly with new filings.
Does Can Fin Homes Limited pay a dividend?
Can Fin Homes Limited currently shows a dividend yield of about 0.28% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Can Fin Homes Limited (511196)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Can Fin Homes Limited it is ₹836.86 per share (as of Sep 24, 2026), against a price of ₹709.30. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Can Fin Homes Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 511196 trades below its calculated fair value: price ₹709.30, fair value ₹836.86, a gap of about +18% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 511196?
No. The price is what the market pays today (₹709.30); the fair value is what the company's own numbers justify (₹836.86). For Can Fin Homes Limited the two are ₹127.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is Can Fin Homes Limited worth?
The market values Can Fin Homes Limited at about ₹94.4B (market capitalisation, as of Sep 24, 2026). Per share that is ₹709.30; our models calculate a fair value of ₹836.86 per share.
What do the bullish and bearish scenarios say about 511196?
Our models span a range for Can Fin Homes Limited: cautious scenario ₹437.74, base ₹836.86, optimistic ₹971.01 per share (as of Sep 24, 2026, price ₹709.30). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Can Fin Homes Limited (511196)?
Balance-sheet figures for Can Fin Homes Limited (as of Sep 24, 2026): return on equity 19.5%, debt of 4.21 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is 511196 from its 52-week high?
Can Fin Homes Limited trades at ₹709.30, about 25% below its 52-week high of ₹941.29 and at the low of ₹709.30 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹836.86 is for.
Which stocks are comparable to Can Fin Homes Limited?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Can Fin Homes Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹709.30, calculated fair value ₹836.86 (+18%), Quality Score 51/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 511196 calculated?
We run Can Fin Homes Limited through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹836.86, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Can Fin Homes Limited currently trades 15 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Can Fin Homes Limited (511196)?
The closing price on Oct 1, 2026 was ₹709.30. Our model-based fair value is ₹836.86, about +18% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Can Fin Homes Limited right now?
A fairly wide model range (₹437.74 to ₹971.01) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Can Fin Homes Limited
How large is the market capitalisation of Can Fin Homes Limited (511196)?
The market capitalisation of Can Fin Homes Limited is ₹94.4B (≈ $981M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Can Fin Homes Limited (511196)?
The price-to-sales ratio of Can Fin Homes Limited is 9.33 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Can Fin Homes Limited (511196)?
Earnings per share at Can Fin Homes Limited are ₹31.48. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Can Fin Homes Limited (511196)?
The dividend yield of Can Fin Homes Limited is 0.3% (payout 6.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Can Fin Homes Limited (511196)?
The net margin of Can Fin Homes Limited is 22.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Can Fin Homes Limited (511196)?
The return on equity (ROE) of Can Fin Homes Limited is 19.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Can Fin Homes Limited (511196)?
On an EBIT basis the return on assets of Can Fin Homes Limited is 2.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Can Fin Homes Limited (511196)?
The operating margin of Can Fin Homes Limited is 83.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Can Fin Homes Limited (511196)?
Revenue at Can Fin Homes Limited is growing +26.4% versus a year earlier (3y avg +25.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Can Fin Homes Limited (511196)?
Earnings per share at Can Fin Homes Limited are growing +31.5% versus a year earlier. How much earnings per share grew versus a year earlier.
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