Can Fin Homes Limited (CANFINHOME) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Can Fin Homes Limited ₹1,060, price ₹753, upside +40.7%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹401.38 – ₹949.00 · fair‑value band ₹537.51 – ₹2,056 · the ₹753.25 price screens below the ₹1,060 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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.
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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.
Stock analysis
Can Fin Homes Limited (CANFINHOME) currently trades at ₹753.25, while our model-based Fair Value estimate is ₹1,060, implying the stock looks roughly 28.9% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹1,363 per share, and 6 of the 13 models we run sit above the ₹753.25 price.
Bear case: the Dividend Discount group reads lowest at ₹166.25, and 7 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹537.51 (bear) to ₹2,056 (bull), the price of ₹753.25 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 56/100 (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 ₹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.
Key figures
Market cap ₹118B (≈ $1.2B) · P/E ratio 9.2 · P/S ratio 2.38 · EPS (TTM) ₹81.53 · Dividend yield 1.7% · Net margin 25.7% · Return on equity 19.7% · Return on assets (EBIT) 2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 22% fair-value upside, at 41%, CANFINHOME screens cheaper than that median.
Fair Value models
Bear ₹537.51Fair Value ₹1,060Bull ₹2,056
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 2026 figures (about 6 months old). Earnings retained since then (₹33.80 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.
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
+9.6%
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.
+15.9%
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.
+16.0%
Start year 2021 (pandemic). Over 10 years: +14.6% a year
Revenue growth 20 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.
+18.2%
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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. 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.
+20.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.9%
Dividend (yield on the price)1.7%
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.18.9% vs 21.3%, steady
Profit margin 2021 to 2026 ⓘ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.31% → 32%
Start year 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+25.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−7.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +20.2% a year for the price and −11.4% for the forecasts.
Price, fair value, quality and upside side by side.
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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 · 92 stocks
Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+40.7% · Top 25%
Profitability
Return on equity (TTM)19.7% · Top 25%
Return on assets2.5% · Above median
Net margin (TTM)67.3% · Top 25%
Operating margin (TTM)80.4% · Top 25%
Growth and dividend
Revenue growth24.3% · Above median
Dividend yield (TTM)1.7% · Bottom 25%
Balance sheet
Debt / equity3.57× · Above median
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Can Fin Homes Limited Fair Value". https://www.fairvalue-calculator.com/stock/CANFINHOME
Frequently asked questions
Is Can Fin Homes Limited (CANFINHOME) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹1,060 versus a price of ₹753.25, about +41% upside (undervalued).
What is the fair value of CANFINHOME?
Our model-based fair value for Can Fin Homes Limited is ₹1,060 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹753.25.
What is the quality score of CANFINHOME?
Can Fin Homes Limited has a Quality Score of 56/100. 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 (CANFINHOME)?
Our model-based price target is the fair value of ₹1,060 (as of Sep 27, 2026) from 13 valuation models. Cautious scenario ₹537.51, optimistic scenario ₹2,056. 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 ₹1,060, about +41% upside versus a price of ₹753.25 (undervalued). Cautious scenario ₹537.51, optimistic scenario ₹2,056. The calculation is refreshed regularly with new filings.
What is the revenue of Can Fin Homes Limited (CANFINHOME)?
Can Fin Homes Limited reported trailing-twelve-month revenue of about ₹16.1B (latest available figure, as of Sep 27, 2026).
Does Can Fin Homes Limited pay a dividend?
Can Fin Homes Limited currently shows a dividend yield of about 1.73% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Can Fin Homes Limited (CANFINHOME)?
For today's price to be fair in a discounted-cash-flow model, Can Fin Homes Limited would have to grow free cash flow by +25.2 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +16.0 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of CANFINHOME use?
Our models discount Can Fin Homes Limited at 12.4 %: a base by market capitalisation (small), damped by beta 0.39, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Can Fin Homes Limited that is +25.2 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has Can Fin Homes Limited (CANFINHOME) delivered so far?
Over the past 5 years revenue at Can Fin Homes Limited grew +16.0 % a year. The price currently implies +25.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Can Fin Homes Limited (CANFINHOME) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Can Fin Homes Limited (+25.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Can Fin Homes Limited (CANFINHOME)?
The free-cash-flow yield on the price is 10.28 %: that much free cash flow Can Fin Homes Limited produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Can Fin Homes Limited (CANFINHOME)?
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 ₹1,060 per share (as of Sep 27, 2026), against a price of ₹753.25. 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 27, 2026, CANFINHOME trades below its calculated fair value: price ₹753.25, fair value ₹1,060, a gap of about +41% (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 CANFINHOME?
No. The price is what the market pays today (₹753.25); the fair value is what the company's own numbers justify (₹1,060). For Can Fin Homes Limited the two are ₹306.78 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 ₹118B (market capitalisation, as of Sep 27, 2026). Per share that is ₹753.25; our models calculate a fair value of ₹1,060 per share.
What do the bullish and bearish scenarios say about CANFINHOME?
Our models span a range for Can Fin Homes Limited: cautious scenario ₹537.51, base ₹1,060, optimistic ₹2,056 per share (as of Sep 27, 2026, price ₹753.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CANFINHOME?
Can Fin Homes Limited trades at a price-to-earnings ratio of 9.2 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹1,060 is built from several models across several years. Other multiples: PEG 0.9, P/B 2.0, P/S 7.3, EV/EBITDA 24.9.
What is the PEG ratio of CANFINHOME?
The PEG ratio of Can Fin Homes Limited is 0.86 (P/E divided by earnings growth, as of Sep 27, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Can Fin Homes Limited (CANFINHOME)?
Balance-sheet figures for Can Fin Homes Limited (as of Sep 27, 2026): return on equity 19.7%, debt of 3.57 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is CANFINHOME from its 52-week high?
Can Fin Homes Limited trades at ₹753.25, about 21% below its 52-week high of ₹949.00 and 2% above the low of ₹738.36 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of ₹1,060 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 27, 2026: price ₹753.25, calculated fair value ₹1,060 (+41%), Quality Score 56/100, 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 CANFINHOME 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 ₹1,060, 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 13.9 % above its aggregate fair value. Can Fin Homes Limited currently trades 41 % 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 (CANFINHOME)?
The closing price on Sep 25, 2026 was ₹753.25. Our model-based fair value is ₹1,060, about +41% 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?
The model range is unusually wide (₹537.51 to ₹2,056). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Can Fin Homes Limited (CANFINHOME) come from?
Earnings per share at Can Fin Homes Limited grew +20.1 % a year from 2015 to 2026. Broken into its drivers: revenue per share +14.2 %, EBIT margin +2.5 %, tax rate +2.8 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Can Fin Homes Limited
How large is the market capitalisation of Can Fin Homes Limited (CANFINHOME)?
The market capitalisation of Can Fin Homes Limited is ₹118B (≈ $1.2B). 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 (CANFINHOME)?
The price-to-sales ratio of Can Fin Homes Limited is 2.38 (P/E × margin). 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 (CANFINHOME)?
Earnings per share at Can Fin Homes Limited are ₹81.53 (price ÷ EPS = P/E 9.2). 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 (CANFINHOME)?
The dividend yield of Can Fin Homes Limited is 1.7% (payout 15.9%). 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 (CANFINHOME)?
The net margin of Can Fin Homes Limited is 25.7% (fiscal year 2026). 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 (CANFINHOME)?
The return on equity (ROE) of Can Fin Homes Limited is 19.7% (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 (CANFINHOME)?
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 (CANFINHOME)?
The operating margin of Can Fin Homes Limited is 80.4% (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 (CANFINHOME)?
Revenue at Can Fin Homes Limited is growing +24.3% versus a year earlier (3y avg +15.9%). 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 (CANFINHOME)?
Earnings per share at Can Fin Homes Limited are growing +47.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Can Fin Homes Limited (CANFINHOME) carry?
The net debt of Can Fin Homes Limited is ₹377B (fiscal year 2026, ≈ 36.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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