Can Fin Homes Limited (CANFINHOME) Fair Value & Analysis
Financial Services · IN · Market cap ₹118B
Fair value as of: Aug 2, 2026
From 13 valuation models · updated 11 days ago
Fair value updated Aug 2, 2026, revised from ₹830.58 to ₹664.30 (−20.0%) since Jun 29, 2026. Share price −11.9% over the past month.
A solid business, but screening 19% overvalued on our models.
What matters now
- Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (₹664.30 to ₹1,325) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
60‑month range ₹401.38 – ₹949.00 · fair‑value band ₹664.30 – ₹1,325 · the ₹821.95 price screens above the ₹664.30 fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Can Fin Homes Limited (CANFINHOME) currently trades at ₹821.95, while our model-based Fair Value estimate is ₹664.30, implying the stock looks roughly 19.2% overvalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Can Fin Homes Limited generated revenue of ₹16.1B at a net margin of 67.3%. Revenue grew 24.3% year over year. It earns a return on equity of 19.7%. Net debt stands at ₹377B. Fundamentals as of Aug 2, 2026
Our scenario range runs from ₹664.30 (bear case) to ₹1,325 (bull case); at ₹821.95, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 15% below its 52-week high and 17% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -19%, CANFINHOME screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Earnings-Based (₹1,363) versus DCF Models (₹103.03). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 56
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Can Fin Homes Limited provides housing finance services primarily to first-time homebuyers and professionals in India. The company's products portfolio comprises housing loans, such as individual housing, commercial housing, composite housing, Composite Govt.
Full company description
Can Fin Homes Limited provides housing finance services primarily to first-time homebuyers and professionals in India. The company's products portfolio comprises housing loans, such as individual housing, commercial housing, composite housing, Composite Govt. Layout loan, Flat under Construction TPA Basis, IHL Cash Salary, and affordable housing loans; non-housing loans, including site, mortgage, builder, personal, CFHL top-up, I-secure loans, loans against rent receivables, loans for commercial properties, Flexi LAP, loan for pensioners, and rooftop solar loan scheme. It also offers fixed and cumulative deposits. The company was incorporated in 1987 and is headquartered in Bengaluru, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Can Fin Homes Limited reported revenue of ₹42.2B in FY2026 versus ₹19.6B in FY2022, a compound +21.1%/yr. Reported net income was ₹10.9B in FY2026, compounding +23.2%/yr from FY2022.
of which total revenue +15.1 pp · buybacks/dilution −1.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
CANFINHOME screens 19% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 90 stocks
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.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $13.90 | $27.80 | +100% |
| Rocket Companies, Inc RKT | $14.60 | $10.95 | -25% |
| Federal National Mortgage Association FNMAS | $9.55 | $1.93 | -80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹85.07 | ₹39.96 | -53% |
| PennyMac Financial Services, Inc PFSI | $82.35 | $125.45 | +52% |
| UWM Holdings UWMC | $2.02 | $0.2200 | -89% |
| LIC Housing Finance Limited LICHSGFIN | ₹505.00 | ₹1,010 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,150 | ₹762.89 | -34% |
| Aadhar Housing Finance Limited AADHARHFC | ₹496.70 | ₹501.16 | +1% |
| Walker & Dunlop, Inc WD | $48.20 | $32.55 | -32% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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