Can Fin Homes Q4 FY26 Earnings Call Transcript

Can Fin Homes reported Q4 FY26 disbursements of INR 3,245 crores, achieving a full-year disbursement of INR 10,531 crores, exceeding its guidance of INR 10,500 crores.
The company maintained a GNPA ratio of 0.85% and provided conservative guidance for FY27, targeting 14% AUM growth, a 2.75% spread, and 15 bps credit costs.
Management highlighted a strategic shift to quarterly interest rate resets for 85% of its loan book, mitigating balance transfer pressures and stabilizing spreads at 2.8%.
Two one-time events impacted Q4 profit: a INR 46 crore DTA provision for standard assets and a INR 13.5 crore income tax refund closure, with normalized profit growth at 20% YoY.