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Futurecaps Clients Gain 30X from Mazagon Dock – What Lies Ahead?

Clients of Futurecaps gained 30X returns from Mazagon Dock and 12X from Cochin Shipyard. So, what’s the next multibagger? – See our performance and new opportunity below!

Spotlight Pick – Can Fin Homes

Can Fin Homes is an established NBFC in the housing finance sector. It targets affordable housing borrowers, salaried buyers, and also provides financing solutions to businesses.

Its product portfolio includes: individual housing loans, affordable housing loans, credit-linked subsidy schemes, and Pradhan Mantri Awas Yojana (PMAY). 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 lakh for housing and 9 lakh for non-housing credit. It also raises funds via deposits regulated by the National Housing Bank.

Headquartered in Bengaluru, Can Fin has a strong nationwide footprint covering 21 states with 205 branches and multiple specialized housing centers. Shri Suresh S Iyer is the current Managing Director & CEO.

Business Segments

• Housing Finance
• Non-Housing Finance
• Deposits

Why It Stands Out

• 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.

Challenges

• 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 cause liquidity and funding risks.

Stock Analysis at a Glance

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

Final View

The company appears to be a promising multibagger with 300–500% growth potential in 5–10 years. Full details are available in the complete article on our website.

Futurecaps Overview

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