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New Multibagger – Can Fin Homes

Can Fin Homes is a public deposit-taking housing finance company. It targets affordable housing borrowers, salaried buyers, and also provides financing solutions to businesses.

Its product portfolio includes: housing finance tailored to individuals, affordable homes, and PMAY-linked borrowers. It also extends services to businesses and individuals through varied loan types including site loans and top-up credit.

For individuals, Can Fin also provides lending solutions like personal, education, and pensioner loans while mobilizing deposits.

The company operates in three key segments: Housing Finance, Non-housing Finance, and Deposits. The average loan ticket size is ?18 lakhs for housing loans and ?9 lakhs for non-housing loans. It also accepts Fixed and Cumulative deposits under National Housing Bank guidelines.

Headquartered in Bengaluru, Can Fin has a widespread network spanning 205 branches, affordable housing centers, and satellite offices across India. Shri Suresh S Iyer is the current Managing Director & CEO.

Business Segments

• Housing Finance
• Non-Housing Finance
• Deposits

Strengths

• 205 branches across 21 states and UTs, serving diverse geographies.
• Plans to expand network and penetrate new high-potential markets.
• Earnings CAGR of ~17.1% over the last 5 years.
• Intrinsic value estimated above 30%.
• Average borrowing cost at 6.5%, sustaining healthy spreads.
• Loan book crossed ?30,000 crore – strong business growth.
• 27% loan share from self-employed customers (?8,477 crore).
• Attractive valuation: P/E ~15X vs peer average ~24X.
• Better value than Indian diversified financial industry average (28.9X).
• Revenue forecasted at 14.7% growth vs Indian market 9.6%.
• Earnings growth forecast ~13.6%, higher than savings rate.

Negatives

• Intense competition from banks and larger HFCs in Tier I & II cities.
• Credit risk due to borrower defaults.
• Macroeconomic factors like inflation, demand-supply, and interest rates can india warren buffett cause liquidity and funding risks.

Warren Buffett Checklist

• Economic Moat – Moderate
• Growth – Good
• Valuation – Good
• Debt – High
• Integrity – Moderate

Investment Outlook

The company appears to be a promising multibagger with 300–500% growth potential in 5–10 years. Investors can review our full analysis for deeper insights.

Futurecaps Overview

Futurecaps is a licensed SEBI Research Analyst delivering investment insights since 2012. We apply value investing frameworks inspired by Buffett, delivering 50+ multibaggers. Our pricing is investor-friendly, helping new investors benefit.