Can Fin Homes shares rally up to 5% after Q2 net profit jumps 10% to Rs 275 crore, NII rises 7%

Shares of Can Fin Homes rallied up to 5% on Monday, hitting an intraday high of Rs 751 on the NSE, after the company reported a 10% year-on-year increase in Q2 net profit to Rs 275 crore. Net interest income (NII) rose 7% during the same period.

According to a filing with the exchange, profit after tax stood at Rs 275 crore in Q2 FY27, compared to Rs 251 crore in the same period a year ago. Net interest income stood at Rs 431 crore in Q2 FY27, against Rs 404 crore in Q2 FY26.

The loan book stood at Rs 43,539 crore in Q2 FY27, while net interest margin (NIM) was 3.89%, compared to 4.02% in the same period a year ago.


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The cost-to-income ratio stood at 19.59% in Q2 FY27, against 18.55% in Q2 FY26. Gross non-performing assets (NPAs) increased to Rs 392 crore in Q2 FY27 from Rs 373 crore in Q2 FY26. New approvals stood at Rs 2,604 crore during the period.

Earnings per share (EPS) stood at Rs 20.62 in Q2 FY27, compared to Rs 18.88 in the same period a year ago.

As part of its roadmap for 2028, the company said it plans to achieve a geographical distribution of 60% in the South and 40% in the rest of India, compared to the current 66% and 34%, respectively.

The company also reported its financial results for the half year ended September 2026. Net profit for the first half of the current fiscal year stood at Rs 543 crore, compared to Rs 475 crore in the corresponding period a year ago, registering an increase of 14%.

The loan portfolio stood at Rs 43,539 crore as of September 2026, against Rs 39,657 crore as of September 2025, marking an increase of 10%. Housing loans, including CRE, constituted 83% of the loan book, while non-housing loans accounted for 17%.

Loan disbursements for the half year ended September 30, 2026, stood at Rs 4,982 crore, compared to Rs 4,560 crore in the corresponding period a year ago, reflecting year-on-year growth of 9%.

The company said it had maintained the required liquidity, both on and off the balance sheet, through documented undrawn bank limits to meet its commitments. The liquidity coverage ratio as of September 30, 2026, stood at 29,124%, against the stipulated ratio of 100%. Documented undrawn bank lines stood at Rs 2,571 crore as of September 30, 2026. Along with internal accruals, these lines would cover business commitments for the next three months.

The company is carrying total provisions of Rs 525 crore, including Rs 59 crore as management overlay and Rs 49 crore in provisions for restructured accounts.

The deposit portfolio stood at Rs 239 crore. To further strengthen its deposit portfolio, CFHL is offering an interest rate of 7.50% on cumulative deposits with a tenure of 36 months. Senior citizens will earn an additional 0.25 percentage points in interest. CFHL's fixed deposit programme is rated "AAA" by ICRA, with a stable outlook.

The company said its technology transformation project, TETAS, had achieved a milestone, with all functional applications, technical solutions, infrastructure services and security services now fully live across the organisation.

The platform operates on enterprise-grade cloud infrastructure supported by reliable networking and modern IT service management tools to ensure scalability and optimised cost structures. It is underpinned by a fully operational three-tier digital framework encompassing business applications ranging from core LOS, LMS and HRMs to Risk, Deposits and Document Management.

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Can Fin Homes share price movement

Can Fin Homes shares fell 3.86% over the past month and nearly 19.52% so far in the current calendar year. The stock declined 5.54% over the past year and slipped around 0.35% over the past three years.

Disclosure: This article has been written by Surbhi Khanna, who is not a SEBI-registered Research Analyst or an investment advisor. Surbhi Khanna does not hold any financial interest in Economic Times as of the date of publication. The views/recommendations mentioned in this article, wherever applicable, are those of the respective SEBI-registered Research Analyst/brokerage and have been reproduced/reported with due attribution. They should not be construed as the views or recommendations of the EconomicTimes Digital or the journalist. Readers are advised to consider the original research report and make their investment decisions based on their own assessment.