Can Fin Homes Q4FY26 Results: 31% Quarterly Profit Jump with Strong Annual Growth
Can Fin Homes delivered outstanding Q4FY26 and annual performance with quarterly profit surging 31% to ₹346 crores and annual profit expanding 27% to ₹1,086 crores. The housing finance company demonstrated robust operational metrics with NIM improving to 4.19%, ROE reaching 23.12%, and loan portfolio growing 10% to ₹42,209 crores while maintaining excellent asset quality and liquidity position.

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Can Fin Homes delivered exceptional financial performance in Q4FY26 and FY26, reporting substantial growth across key metrics while maintaining strong asset quality. The housing finance company's board approved comprehensive annual results on April 24, 2026, showing remarkable quarterly profit growth of 31% and annual profit expansion of 27%. The company also announced significant dividend rewards for shareholders and key leadership changes during the board meeting.
Q4FY26 Quarterly Performance Highlights
The company demonstrated outstanding quarterly performance with net profit after tax reaching ₹346 crores in Q4FY26 compared to ₹265 crores in Q3FY26, representing a strong 31% quarter-on-quarter increase. The quarter showed improved operational efficiency across all key parameters.
| Q4FY26 Metric: | Current Quarter | Previous Quarter | Growth |
|---|---|---|---|
| Profit After Tax: | ₹346 crores | ₹265 crores (Q3FY26) | +31% |
| Profit Before Tax: | ₹353 crores | ₹341 crores (Q3FY26) | +3% |
| Loan Assets: | ₹42,209 crores | ₹40,693 crores (Q3FY26) | +4% |
| Net Interest Margin: | 4.19% | 4.14% (Q3FY26) | +5 bps |
| Return on Assets: | 3.29% | 2.55% (Q3FY26) | +74 bps |
| Return on Equity: | 23.12% | 18.80% (Q3FY26) | +432 bps |
Annual Financial Performance Overview
Can Fin Homes delivered robust annual financial growth with net profit after tax reaching ₹1,086 crores in FY26 compared to ₹857 crores in FY25, representing a strong 27% year-on-year increase. The loan portfolio expanded significantly to ₹42,209 crores from ₹38,217 crores, recording 10% annual growth.
| Annual Metric: | FY26 | FY25 | Growth |
|---|---|---|---|
| Profit After Tax: | ₹1,086 crores | ₹857 crores | +27% |
| Profit Before Tax: | ₹1,303 crores | ₹1,077 crores | +21% |
| Loan Assets: | ₹42,209 crores | ₹38,217 crores | +10% |
| Net Interest Margin: | 3.93% | 3.64% | +29 bps |
| Return on Assets: | 2.58% | 2.24% | +34 bps |
| Return on Equity: | 18.16% | 16.92% | +124 bps |
| Debt-Equity Ratio: | 6.40 | 6.96 | Improved |
Lending Operations and Portfolio Composition
The company's loan disbursements for FY26 stood at ₹10,531 crores compared to ₹8,568 crores in the previous year, reflecting robust 23% year-on-year growth. Housing loans constitute 72% of the loan book while non-housing loans including commercial real estate comprise 28% of the portfolio.
| Portfolio Component: | Composition | Performance |
|---|---|---|
| Housing Loans: | 72% | Core Segment |
| Non-Housing Loans: | 28% | Including CRE |
| Total Disbursements FY26: | ₹10,531 crores | +23% YoY |
| Spread: | 2.86% | vs 2.55% in FY25 |
Asset Quality and Risk Management
Can Fin Homes maintained excellent asset quality parameters with provisions for expected credit losses totaling ₹499 crores, including ₹59 crores as management overlay and ₹40 crores for restructured accounts. The company's liquidity coverage ratio stood at 563.50% against the stipulated 100%, with documented undrawn bank lines of ₹2,540.92 crores.
Dividend Declaration and Deposit Portfolio
Following an interim dividend of ₹7.00 per equity share paid in December 2025, the board recommended a final dividend of ₹8.00 per equity share, bringing the total dividend to ₹15.00 per equity share for FY26. The company's deposit portfolio stood at ₹220.21 crores, offering 7.50% interest rate for 36-month cumulative deposits with an additional 0.25% for senior citizens. The fixed deposit program maintains AAA rating from ICRA with stable outlook.
| Financial Instrument: | Rating | Rating Agency |
|---|---|---|
| Fixed Deposits: | AAA Stable | ICRA |
| Commercial Paper: | A1+ | CARE & ICRA |
| Long-Term Debt: | AAA Stable | CARE & ICRA |
Can Fin Homes operates through 249 branches across 21 states and union territories, demonstrating strong geographical presence. The company's Q4FY26 and FY26 results showcase its ability to deliver consistent growth while maintaining prudent risk management practices, positioning it favorably in the competitive housing finance sector.
Historical Stock Returns for Can Fin Homes
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +1.09% | +5.92% | +10.78% | +6.59% | +22.11% | +73.75% |
How will Can Fin Homes' expansion strategy evolve given their strong financial performance and current 249-branch network across 21 states?
What impact could potential interest rate changes have on Can Fin Homes' impressive 4.19% net interest margin in upcoming quarters?
Will Can Fin Homes adjust their housing vs non-housing loan portfolio mix from the current 72:28 ratio to capitalize on market opportunities?


































