Can Fin Homes Limited provides housing finance services primarily to individuals and builders/developers in India. The company offers housing loans, such as individual housing loans, affordable housing loans, composite loans, and top-up loans; and non-housing loans, including mortgage loans, site loans, loans for commercial properties, loans against rent receivables, personal loans, loans for children education, and loans for pensioners, as well as fixed and cumulative deposits. As of March 31, 2020, it operated 165 branches, 21 affordable housing loan centers, and 14 satellite offices.
Can Fin Homes Fundamentals Summary
How do Can Fin Homes's earnings and revenue compare to its market cap?
Is 511196 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 511196?
Other financial metrics that can be useful for relative valuation.
The above table shows the n/a ratio for 511196. This is calculated by dividing 511196's market cap by their current
preferred multiple.
What is 511196's n/a Ratio?
n/a Ratio
0x
n/a
n/a
Market Cap
₹79.22b
511196 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Price-To-Earnings vs Industry: 511196 is good value based on its Price-To-Earnings Ratio (15.1x) compared to the Indian Mortgage industry average (16.7x)
Price to Earnings Ratio vs Fair Ratio
What is 511196's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
511196 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio
15.1x
Fair PE Ratio
n/a
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 511196's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 511196 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 511196 (₹594.95) is trading above our estimate of fair value (₹315.75)
Significantly Below Fair Value: 511196 is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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Future Growth
How is Can Fin Homes forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
17.2%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Can Fin Homes has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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Examine whether Can Fin Homes is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
Can Fin Homes competitive advantages and company strategy can generally be found in its financial reports archived here.
Past Performance
How has Can Fin Homes performed over the past 5 years?
Past Performance Score
2/6
Past Performance Score 2/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
13.5%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 511196 has high quality earnings.
Growing Profit Margin: 511196's current net profit margins (60.3%) are lower than last year (61.3%).
Past Earnings Growth Analysis
Earnings Trend: 511196's earnings have grown by 13.5% per year over the past 5 years.
Accelerating Growth: 511196's earnings growth over the past year (11.2%) is below its 5-year average (13.5% per year).
Earnings vs Industry: 511196 earnings growth over the past year (11.2%) underperformed the Mortgage industry 28.6%.
Return on Equity
High ROE: 511196's Return on Equity (17.1%) is considered low.
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Financial Health
How is Can Fin Homes's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
1/6
Financial Health Score 1/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 511196's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: Insufficient data to determine if 511196 has a sufficientallowance for bad loans.
Low Risk Liabilities: 511196 reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if 511196 has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: 511196 reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if 511196 has an appropriate level of bad loans.
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Dividend
What is Can Fin Homes's current dividend yield, its reliability and sustainability?
Dividend Score
3/6
Dividend Score 3/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
0.50%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: 511196's dividend (0.5%) is higher than the bottom 25% of dividend payers in the Indian market (0.39%).
High Dividend: 511196's dividend (0.5%) is low compared to the top 25% of dividend payers in the Indian market (1.72%).
Stability and Growth of Payments
Stable Dividend: 511196's dividend payments have been volatile in the past 10 years.
Growing Dividend: 511196's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (7.6%), 511196's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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Management
How experienced are the management team and are they aligned to shareholders interests?
2.9yrs
Average management tenure
CEO
Girish Kousgi (51 yo)
2.92yrs
Tenure
₹13,395,139
Compensation
Mr. Girish Kousgi serves as a Managing Director, Chief Executive Officer and Executive Director at Can Fin Homes Ltd since September 5, 2019. He has Extensive Experience assets and liabilities and has gain...
CEO Compensation Analysis
Compensation vs Market: Girish's total compensation ($USD168.72K) is below average for companies of similar size in the Indian market ($USD373.18K).
Compensation vs Earnings: Girish's compensation has increased by more than 20% in the past year.
Leadership Team
Experienced Management: 511196's management team is considered experienced (2.9 years average tenure).
Board Members
Experienced Board: 511196's board of directors are not considered experienced ( 2.2 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Can Fin Homes Limited's employee growth, exchange listings and data sources
All financial data provided by Standard & Poor's Capital IQ.
Data
Last Updated (UTC time)
Company Analysis
2022/08/08 00:00
End of Day Share Price
2022/08/08 00:00
Earnings
2022/06/30
Annual Earnings
2022/03/31
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.