Can Fin Homes Q4 FY26 Results: FY26 PAT ₹1,086 Crore (+27% YoY), Loan Book ₹42,209 Crore

April 27, 2026
Posted by: sachet
Category: News

Can Fin Homes Q4 FY26 results are strong, with the Canara Bank-backed housing finance company reporting Q4 standalone PAT of ₹345.67 crore, up 30.6% quarter-on-quarter from ₹264.78 crore in Q3 FY26. Can Fin Homes Q4 FY26 full-year PAT crossed ₹1,000 crore for the first time, reaching ₹1,086 crore, up 27% year-on-year. Can Fin Homes Q4 total income for Q4 was ₹1,075 crore.

Can Fin Homes Q4 loan book reached ₹42,209 crore as of March 31, 2026, driven by disbursements of ₹10,531 crore during FY26. Can Fin Homes Q4 Net Interest Margin of 4.19% remains one of the strongest in the housing finance company (HFC) sector. Can Fin Homes Q4 asset quality is pristine: GNPA of 0.85% and Net NPA of 0.37%.

Can Fin Homes Q4 board recommended a final dividend of ₹8 per equity share (face value ₹2). Combined with the ₹7 interim dividend paid in December 2025, total FY26 dividend is ₹15 per equity share, the highest ever for the company.

Table of Contents

Can Fin Homes Q4 FY26 Results Date

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Can Fin Homes Q4 FY26 results were declared on April 24, 2026. TCS Q4 FY26 results (April 9) are analysed at Univest Blogs and Infosys Q4 FY26 results (April 23) at Univest Blogs.

Company	Q4 Results Date	Status
TCS	April 9, 2026	Declared
Infosys	April 23, 2026	Declared
CANFINHOME	April 24, 2026	Declared

Why This Quarter Matters

Can Fin Homes Q4 is one of the best-quality housing finance results of the season. Can Fin Homes Q4 FY26 PAT crossing ₹1,000 crore validates the company’s transition to a large-scale, high-efficiency HFC from its earlier mid-size positioning.

Can Fin Homes Q4 GNPA of 0.85%, among the lowest in the entire NBFC/HFC sector, demonstrates exceptional underwriting quality. Can Fin Homes Q4 NIM of 4.19% reflects the company’s ability to lend to quality borrowers at premium pricing while controlling funding costs.

Can Fin Homes Q4 FY26 Earnings, Actual Results

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Can Fin Homes Q4 FY26 results are exceptional across every metric, PAT, loan book, NIM, and asset quality all represent best-in-class performance for the HFC sector. Can Fin Homes Q4 ROE of 23.12% is outstanding for a housing finance company.

Metric	Q3 FY26	Q4 FY26	FY26 Total	Notes
Standalone PAT (₹ Cr)	264.78	345.67	1,086	+27% YoY FY26
Loan Book (₹ Cr)	N/A	42,209	42,209	+Strong growth
NIM	N/A	4.19%	N/A	Best-in-class HFC
GNPA	%	N/A	0.85%	N/A	Pristine quality
Net NPA	%	N/A	0.37%	N/A	Excellent
Total FY26 Div (₹/share)	N/A	8 (final)	15	Interim ₹7 + Final ₹8

Can Fin Homes Q4 disbursement momentum in FY27 and NIM sustainability as interest rates decline will be key. Can Fin Homes Q4 branch expansion to 249 locations (21 states) provides geographic diversification.

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5 Key Factors That Will Drive Can Fin Homes Q4 FY26 Performance

FY26 PAT Crosses ₹1,000 Crore, Milestone

Can Fin Homes Q4 closes FY26 with annual PAT of ₹1,086 crore, the first time the company has exceeded ₹1,000 crore. Can Fin Homes Q4 milestones in scale (₹1,000 crore PAT, ₹42,000 crore loan book) place it among India’s mid-large HFCs alongside LIC Housing Finance and PNB Housing Finance.

NIM of 4.19%, Top Quartile HFC

Can Fin Homes Q4 NIM of 4.19% is significantly above the HFC sector average of 3.0–3.5%, reflecting the company’s focus on quality borrowers, efficient funding mix, and competitive spread management.

Pristine Asset Quality, GNPA 0.85%

Can Fin Homes Q4 GNPA of 0.85% and Net NPA of 0.37% are among the lowest in the NBFC/HFC universe. Can Fin Homes Q4 conservative underwriting, targeting salaried employees and self-employed professionals, delivers superior credit quality.

Canara Bank Parentage

Can Fin Homes Q4 majority parent Canara Bank (a large PSU bank) provides access to low-cost deposits through PSB network synergies and institutional credibility. Can Fin Homes Q4 funding cost advantage versus non-bank-backed HFCs supports NIM.

₹15 Total FY26 Dividend, Record

Can Fin Homes Q4 total FY26 dividend of ₹15/share (₹7 interim + ₹8 final) is the highest ever, reflecting exceptional FY26 profitability and cash generation. Can Fin Homes Q4 ROE of 23.12% supports substantial capital return.

5 Risks to Watch in Can Fin Homes Q4 FY26

NIM Under Pressure in Rate-Cutting Cycle

Can Fin Homes Q4 exceptional NIM of 4.19% could compress in FY27 as RBI rate cuts flow through to both lending and funding rates. Can Fin Homes Q4 fixed-rate loan portfolio limits some downside, but asset-liability mismatch risk in a down-rate cycle needs monitoring.

Geographic Concentration in South India

Can Fin Homes Q4 loan book remains concentrated in South Indian states, Andhra Pradesh, Telangana, Karnataka, Tamil Nadu. Can Fin Homes Q4 expansion to non-southern states is ongoing but gradual, leaving concentrated exposure to South Indian housing markets.

Competition from Bank HFCs

Can Fin Homes Q4 competes for mortgage borrowers with HDFC Bank, SBI Home Loans, and LIC Housing Finance, all with lower-cost fund access. Can Fin Homes Q4 must sustain NIM while being competitive on lending rates.

Affordable Housing Competition

Can Fin Homes Q4 serves a mix of affordable (₹15–30 lakh) and mid-market (₹30–75 lakh) homebuyers. Can Fin Homes Q4 affordable housing segment faces increasing competition from government-backed NHB refinancing schemes that compete on price.

Loan Book Concentration Risk

Can Fin Homes Q4 loan book is primarily in residential mortgages, limited diversification into commercial real estate or construction finance. Any residential housing market downturn would have concentrated impact.

Can Fin Homes Q4 Share Price and Analyst Ratings

Can Fin Homes Q4 stock at approximately ₹909 has recovered strongly (+15% 1Y return). Can Fin Homes Q4 exceptional FY26 results with ₹1,086 crore annual PAT and ₹15 total dividend could drive further re-rating.

Brokerage	Rating	Target Price	Investment Thesis
Motilal Oswal	Buy	₹1,200	FY26 PAT ₹1,086 Cr +27%; NIM 4.19%
YES Securities	Buy	₹1,100	GNPA 0.85%; best-in-class HFC quality
ICICI Direct	Add	₹1,000	Loan book ₹42,209 Cr; steady growth

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Conclusion

Can Fin Homes Q4 FY26 results are a gold standard for the HFC sector, ₹1,086 crore FY26 PAT (+27%), GNPA 0.85%, NIM 4.19%, ₹15 total dividend, and loan book ₹42,209 crore. Can Fin Homes Q4 demonstrates that disciplined underwriting and focused mortgage lending generates exceptional long-term returns.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE/BSE filings and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.

For more Q4 FY26 results analysis, visit Univest Blogs.

Frequently Asked Questions

What was Can Fin Homes Q4 FY26 net profit?

Can Fin Homes Q4 FY26 consolidated PAT was ₹345.67 crore Q4 FY26; FY26 full-year PAT ₹1,086 crore (+27% YoY) as declared on April 24, 2026.

What was Can Fin Homes Q4 FY26 PAT estimate?

The Can Fin Homes Q4 FY26 actual results are now confirmed. Pre-results, analyst estimates varied. The confirmed PAT is ₹345.67 crore Q4 FY26; FY26 full-year PAT ₹1,086 crore (+27% YoY).

What is Can Fin Homes’s share price ahead of Q4 results?

Can Fin Homes stock traded at approximately ₹909 ahead of Q4 FY26 results on April 24, 2026.

Will Can Fin Homes declare a dividend in Q4 2026?

Can Fin Homes Q4 FY26 board recommended a final dividend of ₹8/share (face value ₹2). With the ₹7 interim paid in December 2025, total FY26 dividend is ₹15/share, the highest ever.

Which analysts have a Buy rating on Can Fin Homes?

Analyst ratings and target prices for Can Fin Homes are available on the Univest Screener and in the article above.

What were Can Fin Homes Q3 FY26 results?

Can Fin Homes Q3 FY26 PAT was ₹264.78 crore. Q4 showed strong 30.6% sequential improvement. Specific Q3 figures are available on the Univest Screener.

When do Infosys and TCS announce Q4 results 2026?

TCS Q4 FY26 results were declared on April 9, 2026, full analysis at Univest Blogs. Infosys Q4 FY26 results were declared on April 23, 2026, full analysis also available at Univest Blogs.

Is Can Fin Homes a good investment ahead of Q4 results?

Can Fin Homes Q4 results have now been declared. Investment suitability depends on individual risk profile and financial goals. Consult a SEBI-registered financial advisor before making any investment decisions.