Disbursements (Q4 FY26)
₹3,245 crore
+23% YoY
All-time high quarterly disbursement, driven by strong demand and branch expansion.
CANFINHOMES
Diversified
30 Apr 2026
Can Fin Homes Ltd — Q4 FY26
Can Fin Homes delivered a strong Q4 FY26 with disbursements of ₹3,245 crore, a new quarterly peak, and full-year disbursements of ₹10,531 crore exceeding the guidance of ₹10,500 crore.
Financial stats pending filing verification
2-Minute Summary
✦ AI-Generated from Full Transcript
Can Fin Homes delivered a strong Q4 FY26 with disbursements of ₹3,245 crore, a new quarterly peak, and full-year disbursements of ₹10,531 crore exceeding the guidance of ₹10,500 crore. PAT for the year stood at ₹1,085 crore, up 26.6% YoY, though this includes one-time DTA and tax refund items; adjusted PAT of ₹1,027 crore still reflects 20% growth. The key strategic achievement was shifting 85% of the loan book to quarterly reset, protecting spreads at 2.8% despite passing on 50 bps to customers. Management guided for FY27 disbursements of ₹13,000 crore, AUM growth of ~14%, and maintained a conservative spread guidance of 2.75%. Credit costs remain benign at 10 bps, with guidance of 15 bps. The main risk is a potential rate hike cycle that could pressure the remaining 15% of the book still on annual reset.
Key Numbers
Full-year disbursements (FY26)
₹10,531 crore
+18% YoY
Exceeded guidance of ₹10,500 crore; supported by new branches and sales team.
GNPA ratio
0.85%
-2 bps YoY
Fifth consecutive quarter of absolute delinquency reduction; credit costs remain low.
Quarterly reset book share
85%
+70pp YoY
Shift from annual to quarterly reset protects spreads; 50 bps passed on to customers.
Management Guidance
FY27 disbursement target of ₹13,000 crore
Management targets 13,000 crore disbursements for FY27, implying ~23% growth over FY26, driven by 28 new branches and sales team expansion to 150 people.
Management guidance growthAUM growth of ~14% in FY27
Net AUM growth expected around 14% after accounting for ~7,000 crore of prepayments and rundown.
Management guidance growthSpread guidance of 2.75% and NIM of 3.75% for FY27
Management conservatively guides for 2.75% spread and 3.75% NIM, though opening spread is 2.8%.
Management guidance marginsCredit cost guidance of 15 bps for FY27
Credit costs expected to remain benign at 15 bps, though management believes actual could be lower.
Management guidance marginsKey Risks
Rate hike cycle impact on spreads
If interest rates rise, the 15% of the book still on annual reset will lag in repricing, potentially compressing spreads.
medium · analyst_questionHigher-than-expected prepayments
Prepayments and balance transfers (BT out) were elevated in FY26; if they exceed the assumed ₹7,000 crore, AUM growth could be lower.
medium · management_commentaryIT implementation cost overrun or delay
The ₹300 crore IT transformation project may see cost overruns or delays, impacting cost-to-income ratio and ROE.
low · data_observationGeopolitical tensions affecting delinquencies
West Asia crisis could impact borrower sentiment and lead to higher delinquencies, though no impact seen yet.
low · analyst_questionNotable Quotes
We have ended with a disbursement marginally in excess of that figure of 10,531 crores and this has been supported by a consistent quarterly performance wherein in each of the four quarters compared to the respective quarter performances it has been a new peak has been achieved.
Now almost 85% plus of our customers are at quarterly reset and the entire benefit of the quarterly reset that 50 basis points has been passed on at the time of the revision to all of them.
We are quite confident it'll be well below that only... while we are projecting for 15 basis points I am quite confident it'll be well below that.
Frequently Asked Questions
What was Can Fin Homes's revenue in Q4 FY26?
Can Fin Homes reported revenue of — in Q4 FY26, representing a — change compared to the same quarter last year.
What guidance did Can Fin Homes management give for FY27?
FY27 disbursement target of ₹13,000 crore: Management targets 13,000 crore disbursements for FY27, implying ~23% growth over FY26, driven by 28 new branches and sales team expansion to 150 people. AUM growth of ~14% in FY27: Net AUM growth expected around 14% after accounting for ~7,000 crore of prepayments and rundown. Spread guidance of 2.75% and NIM of 3.75% for FY27: Management conservatively guides for 2.75% spread and 3.75% NIM, though opening spread is 2.8%. Credit cost guidance of 15 bps for FY27: Credit costs expected to remain benign at 15 bps, though management believes actual could be lower.
What are the key risks for Can Fin Homes in FY27?
Key risks include Rate hike cycle impact on spreads — If interest rates rise, the 15% of the book still on annual reset will lag in repricing, potentially compressing spreads.; Higher-than-expected prepayments — Prepayments and balance transfers (BT out) were elevated in FY26; if they exceed the assumed ₹7,000 crore, AUM growth could be lower.; IT implementation cost overrun or delay — The ₹300 crore IT transformation project may see cost overruns or delays, impacting cost-to-income ratio and ROE.; Geopolitical tensions affecting delinquencies — West Asia crisis could impact borrower sentiment and lead to higher delinquencies, though no impact seen yet..
Did Can Fin Homes meet its previous quarter's guidance?
Scorecard data is being built as historical quarters are processed.
Where can I read the full Can Fin Homes Q4 FY26 concall transcript?
The full earnings conference call transcript or source release is available on the linked source material. This page provides an AI-generated summary with filing verification status shown on the financial stats.