Aadhar Housing Finance Ltd logo

Aadhar Housing Finance Ltd

AADHARHFC NSE

Key Fundamentals

SmallcapHousing FinanceFinancial Services
Market Cap
₹20,621 Cr
Volatility
Moderate
P/E Ratio
17.93
EBITDA
₹2,818 Cr
Return on Equity
14.53%
Debt to Equity
2.52
Book Value
₹171.45
EPS
₹18.84
52W High
₹563
52W Low
₹430.15

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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30 extracted metrics + investor summaries across FY19–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

1
  • Company has delivered good profit growth of 26.6% CAGR over last 5 years

Weaknesses

2
  • Stock is trading at 2.74 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend

Growth Rate

Revenue Growth
18.59% ↗
Net Income Growth
20.19% ↗
Cash Flow Change
7.23% ↗
ROE
1.54% ↗
ROCE
2.71% ↗
EBITDA Margin (Avg.)
0.17% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 6d ago
AI opinion · based on fundamentals
Risk medium

Aadhar Housing Finance Ltd is a mid-cap housing finance company with a market cap of ~₹20,850 Cr, trading at a PE of 18.3x and PB of 2.78x. The company has delivered strong profit growth of ~25% CAGR over 3 years and consistent ROE of 16-17%, but has not paid any dividends and the stock has declined 8% over the past year.

Bull Case 7
  • Strong compounded profit growth of 25% CAGR over 3 years, demonstrating consistent earnings expansion
  • Robust 5-year profit CAGR of 26.6-27%, indicating sustained long-term earnings momentum
  • Healthy compounded sales growth of 22% over 3 years, showing strong loan book expansion
  • TTM revenue growth of 18% suggests continued business momentum in the current period
  • Consistent ROE of 16-17% over the last 3-5 years reflects efficient capital utilization for a housing finance company
  • PE of 18.3x is reasonable relative to the 22% TTM profit growth, implying a PEG ratio below 1
  • 5-year compounded sales CAGR of 19% indicates durable demand in the affordable housing segment
Bear Case 8
  • Stock is trading at 2.78x book value, which is elevated for a housing finance company and limits margin of safety
  • Zero dividend yield despite repeated profitability, offering no income return to shareholders
  • Stock has declined 8% over the past 1 year, underperforming broader market indices
  • ROE has slightly declined from 17% (3-year and 5-year average) to 16% in the last year, suggesting marginal pressure on returns
  • TTM profit growth of 22% is decelerating from the 25-27% seen over 3-5 year periods, indicating potential growth slowdown
  • Debt-to-equity ratio is unavailable, making it difficult to assess leverage risk in a lending business where balance sheet quality is critical
  • No 52-week high/low data available, limiting visibility into recent price volatility and trading range
  • TTM sales growth of 18% is lower than the 3-year CAGR of 22%, suggesting some deceleration in loan disbursement growth

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 14h ago
Positives 2
  • Q1FY27 profit up 19% Aug 4

    Net profit rose 19% YoY to ₹282 crore driven by 18% AUM growth. GNPA stable at 1.31% with spreads maintained above 5.5%.

  • Blackstone director appointed Aug 12

    Nikhil Goyal, Blackstone Managing Director, appointed as Additional Director, signaling continued promoter engagement and governance support.

Neutral 4
  • 36th AGM concluded Aug 6

    Shareholders approved audited accounts, reappointed Mukesh Mehta as director, and authorized NCD issuance at the Aug 6 AGM.

  • Investor meet scheduled Sep 1 Aug 20

    Management will present at ELARA group meeting at Grand Hyatt Mumbai on September 1 using the July 31 investor deck.

  • Analyst meets in August Jul 27

    Physical investor meetings scheduled for August 10 and 13 in Mumbai to present the latest investor deck.

  • Postal ballot for director Aug 20

    Postal ballot issued for shareholder approval of Nikhil Goyal as non-executive director, voting opens August 21.

TL;DR: Aadhar Housing Finance delivered a solid Q1FY27 with 19% profit growth and stable asset quality at 1.31% GNPA. No material headwinds emerged in the period. Blackstone's continued board involvement and active investor engagement signal confidence. The trend is positive with urban-emerging strategy supporting spread durability above 5.5%.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
593
629
673
692
713
764
798
833
848
897
943
985
993
Expenses
166
132
156
166
173
180
187
197
207
208
214
240
248
Financing Profit
192
258
266
264
263
299
314
321
309
348
382
401
368
Fin. Margin %
32%
41%
40%
38%
37%
39%
39%
39%
36%
39%
40%
41%
37%
Other Income
0
0
0
0
0
0
0
1
3
2
-15
8
4
Interest
235
239
251
262
277
285
297
315
332
342
348
343
376
Depreciation
5
5
5
6
6
6
6
6
7
7
7
11
9
PBT
187
253
261
259
257
292
308
316
305
343
360
398
364
Tax %
22%
22%
22%
22%
22%
22%
22%
22%
22%
22%
22%
22%
22%
Net Profit
146
197
204
202
200
228
239
245
237
266
281
311
282
EPS in Rs
3.71
5
5.17
5.11
4.69
5.29
5.56
5.68
5.49
6.15
6.48
7.14
6.46
Gross NPA %
1.46%
1.4%
1.4%
1.1%
1.31%
1.3%
1.36%
1.05%
1.34%
1.4%
1.38%
1.08%
1.31%
Net NPA %
1.1%
0.9%
0.97%
0.7%
0.9%
0.9%
0.95%
0.7%
1%
—
1.01%
0.8%
0.9%
Figures in ₹ Crores

Profit & Loss

  Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1,266
1,388
1,575
1,728
2,043
2,587
3,109
3,683
3,817
Expenses
276
350
316
387
507
619
736
868
910
Financing Profit
258
245
444
580
737
981
1,199
1,451
1,499
Fin. Margin %
20%
18%
28%
34%
36%
38%
39%
39%
39%
Other Income
-14
-2
0
0
-25
0
0
-13
0
Interest
732
793
816
761
799
987
1,174
1,364
1,409
Depreciation
9
12
11
13
16
21
25
32
34
PBT
235
231
433
567
696
960
1,173
1,406
1,464
Tax %
31%
18%
21%
22%
22%
22%
22%
22%
—
Net Profit
162
189
340
445
545
750
912
1,096
1,141
EPS in Rs
64.37
47.99
8.62
11.27
13.8
18.99
21.14
25.15
26.23
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
25
39
395
395
395
395
431
436
Reserves
834
2,308
2,298
2,752
3,303
4,055
5,941
7,105
Borrowing
8,195
9,643
10,374
10,675
12,153
13,960
16,322
18,744
Other Liabilities
426
376
563
554
766
683
529
1,114
Total Liabilities
9,480
12,366
13,630
14,376
16,618
19,093
23,224
27,399
Fixed Assets
42
44
53
55
63
80
92
138
CWIP
0
0
0
0
0
0
0
0
Investments
150
24
497
338
459
462
513
637
Other Assets
9,289
12,298
13,080
13,982
16,095
18,551
22,618
26,624
Total Assets
9,480
12,366
13,630
14,376
16,618
19,093
23,224
27,399
Figures in ₹ Crores

Cash Flow

  Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-2,554
-1,785
-1,202
-907
-1,156
-2,550
-3,027
-2,808
Investing
-49
-1,495
-480
823
-477
723
160
309
Financing
3,356
3,701
701
275
1,463
1,778
3,389
2,336
Net Cash Flow
754
422
-981
191
-169
-49
522
-164
Free Cash Flow
-2,562
-1,788
-1,207
-918
-1,166
-2,565
-3,041
-2,827
CFO/OP
-250
-165
-88
-59
-66
-118
-117
-89
Figures in ₹ Crores

Ratios

  Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
20%
12%
14%
15%
16%
18%
17%
16%

Shareholding Pattern

As of Jun 2026
Promoters 64.66%
Others 13.08%
DIIs 9.93%
Public 6.53%
FIIs 5.79%
Total 99.99%
  Jan 2024Apr 2024May 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
98.72%
98.72%
98.72%
76.48%
75.89%
75.74%
75.61%
75.50%
75.32%
75.19%
64.90%
64.66%
FIIs
0.00%
0.00%
0.00%
4.17%
4.33%
4.30%
5.32%
5.58%
6.10%
6.18%
6.13%
5.79%
DIIs
0.00%
0.00%
0.00%
8.59%
9.46%
9.27%
8.57%
8.44%
8.25%
8.45%
9.15%
9.93%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
0.00%
0.00%
0.00%
7.26%
7.18%
7.53%
7.33%
7.31%
7.25%
7.15%
6.80%
6.53%
Others
1.28%
1.28%
1.28%
3.50%
3.15%
3.17%
3.17%
3.18%
3.09%
3.01%
13.02%
13.08%
No. of Shareholders
51
51
51
2,39,696
2,20,338
2,19,626
2,09,369
2,02,739
1,97,894
1,94,143
1,84,772
1,62,826

Documents

Frequently Asked Questions about Aadhar Housing Finance Ltd

What does Aadhar Housing Finance Ltd do?
Aadhar Housing Finance Ltd is one of the largest low-income housing finance companies in India servicing the home financing needs of the low income sections of the society. [1]
Where is Aadhar Housing Finance Ltd (AADHARHFC) listed?
Aadhar Housing Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: AADHARHFC and BSE: 544176. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Aadhar Housing Finance Ltd belong to?
Aadhar Housing Finance Ltd operates in the Financial Services sector within the Housing Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd has a market capitalisation of approximately ₹20620.83 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Aadhar Housing Finance Ltd?
The Price-to-Earnings (PE) ratio of Aadhar Housing Finance Ltd is 17.93. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Aadhar Housing Finance Ltd?
Over the past 52 weeks, Aadhar Housing Finance Ltd has traded between a low of ₹430.15 and a high of ₹563. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd has a Return on Equity (ROE) of 14.53%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Aadhar Housing Finance Ltd on Tapetide?
On Tapetide, you can view Aadhar Housing Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Aadhar Housing Finance Ltd is one of the largest low-income housing finance companies in India servicing the home financing needs of the low income sections of the society. [1]

Website aadharhousing.com
CEO Mr. Rishi Anand
Employees 4,583
Listed 2024-05-15
Face Value ₹ 10
Issued Size 43,37,96,312

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