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AADHAR HOUSING FINANCE L AADHARHFC NIFTY_SMALLNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://aadharhousing.com
Company Profile ↓
₹483.55
-4.47% 1Y
Mkt Cap₹21,068.45 Cr
P/E19.52
P/B2.93
52W High₹556.50
52W Low₹439.10
Book Value₹173.07
EPS (TTM)₹24.77

Company Overview

Aadhar Housing Finance Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties. It serves individuals, companies, corporations, societies, and association of persons. The company was formerly known as DHFL Vysya Housing Finance Limited and changed its name to Aadhar Housing Finance Limited in August 2017. Aadhar Housing Finance Limited was incorporated in 1990 and is based in Mumbai, India. Aadhar Housing Finance Limited is a subsidiary of Bcp Asia Ii Holdco Vii Pte. Ltd.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 26.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 21.7% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 19.5, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 32.4%.

Recent Developments

  • Mar 2026 Revenue of ₹3,387.44 Cr (+19.5% YoY); net profit ₹1,095.88 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +19.5%, earnings +20.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 21.7%, profit CAGR 26.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:21.66%
1 Year:19.48%

Compounded Profit Growth

5 Years:26.24%
1 Year:20.18%

Stock Price Performance

1 Year:-4.47%
6 Months:+6.26%
3 Months:+3.36%
1 Month:-6.09%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 38% of range
₹439.10 ₹556.50
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)49.34 · Neutral
Price Performance
1M-6.09%
3M+3.36%
6M+6.26%
1Y-4.47%
Valuation vs Sector

P/E of 19.52 is below the sector median of 19.62 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 32.4%.
  • Compounding revenue at 21.7% over 5 years.
  • Profit CAGR of 26.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
19.52
Industry PE
19.62
Forward P/E
13.09
PEG Ratio
-
Book Value
₹173.07
Price to Book
2.93
P/S
9.35
EV/EBITDA
14.54
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
21.66%
Profit 5Y
26.24%
Revenue (YoY)
19.48%
Earnings (YoY)
20.18%

Profitability & Returns

ROCE
12.04%
ROE
14.53%
ROA
4.00%
Profit Margin
32.35%
Op Margin
75.43%
Gross Margin
85.25%
EPS (Latest Qtr)
₹7.01
EPS (TTM)
₹24.77

Balance Sheet & Liquidity

Debt/Equity
2.49
Quick Ratio
-
Current Ratio
1.24
Debt
₹18,743.32 Cr
Total Assets
₹27,398.84 Cr
Current Assets
₹5,619.90 Cr
Working Capital
₹1,080.42 Cr

Ownership

Promoter Holding
74.63%
Chg in Prom Hold
-0.08%
FII / Inst Holding
11.17%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹21,068.45 Cr
Total Revenue (TTM)
₹3,387.44 Cr
EBITDA
₹2,783.24 Cr
Free Cash Flow
₹-2,826.63 Cr
Operating Cash Flow
₹-2,807.88 Cr
Shares Outstanding
₹43.57 Cr
Gross Margin
85.25%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AADHARHFC AADHAR HOUSING FINANCE L NIFTY_SMALLNSEFINANCIAL 483.55 19.52 ₹21,068.45 Cr 0.00% 12.04% 14.53% 21.66% 26.24%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 555.00 Cr593.00 Cr629.00 Cr673.00 Cr692.00 Cr713.00 Cr-798.00 Cr776.79 Cr810.88 Cr848.95 Cr884.26 Cr910.56 Cr
Cost of Revenue --------439.40 Cr460.31 Cr477.59 Cr481.52 Cr498.39 Cr
Gross Profit --------337.39 Cr350.57 Cr371.36 Cr402.74 Cr412.17 Cr
Operating Expenses 133.00 Cr166.00 Cr132.00 Cr156.00 Cr166.00 Cr173.00 Cr-187.00 Cr72.14 Cr59.16 Cr65.77 Cr69.03 Cr85.70 Cr
Operating Income --------265.25 Cr291.41 Cr305.59 Cr333.71 Cr326.47 Cr
EBITDA --------271.70 Cr298.53 Cr312.84 Cr340.76 Cr337.07 Cr
Interest Expense 213.00 Cr235.00 Cr239.00 Cr251.00 Cr262.00 Cr277.00 Cr285.18 Cr297.00 Cr-----
Pretax Income 180.00 Cr187.00 Cr253.00 Cr261.00 Cr259.00 Cr257.00 Cr-308.00 Cr315.91 Cr305.15 Cr342.74 Cr359.77 Cr398.25 Cr
Tax Provision 39.60 Cr41.14 Cr55.66 Cr57.42 Cr56.98 Cr56.54 Cr-67.76 Cr71.07 Cr67.87 Cr76.27 Cr78.56 Cr87.33 Cr
Net Income 141.00 Cr146.00 Cr197.00 Cr204.00 Cr202.00 Cr200.00 Cr-239.00 Cr244.84 Cr237.28 Cr266.47 Cr281.21 Cr310.92 Cr
Diluted EPS 3.563.715.005.175.114.69-5.565.555.376.036.367.01

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 1,266.00 Cr1,388.00 Cr1,575.00 Cr-1,881.01 Cr2,354.23 Cr2,835.17 Cr3,387.44 Cr
Cost of Revenue ----287.87 Cr353.71 Cr417.41 Cr499.55 Cr
Gross Profit ----1,593.14 Cr2,000.52 Cr2,417.76 Cr2,887.89 Cr
Operating Expenses 276.00 Cr350.00 Cr316.00 Cr-186.43 Cr245.43 Cr287.13 Cr332.91 Cr
Operating Income ----1,406.71 Cr1,755.09 Cr2,130.63 Cr2,554.98 Cr
EBITDA ----1,495.87 Cr1,952.07 Cr2,356.58 Cr2,783.24 Cr
Interest Expense 732.00 Cr793.00 Cr816.00 Cr738.15 Cr783.56 Cr971.50 Cr1,158.08 Cr1,345.31 Cr
Pretax Income 235.00 Cr231.00 Cr433.00 Cr-695.82 Cr959.59 Cr1,173.26 Cr1,405.91 Cr
Tax Provision 72.85 Cr41.58 Cr90.93 Cr-151.06 Cr209.95 Cr261.43 Cr310.03 Cr
Net Income 162.00 Cr189.00 Cr340.00 Cr-544.76 Cr749.64 Cr911.83 Cr1,095.88 Cr
Diluted EPS 64.3747.998.62-12.7717.5820.8524.77

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 9,480.00 Cr12,366.00 Cr13,630.00 Cr-16,617.87 Cr19,093.06 Cr23,223.96 Cr27,398.84 Cr
Current Assets ----3,636.54 Cr4,035.25 Cr5,188.71 Cr5,619.90 Cr
Cash & Equivalents ----405.14 Cr356.26 Cr878.37 Cr714.63 Cr
Inventory --------
Receivables ----7.97 Cr19.53 Cr25.28 Cr27.02 Cr
Total Liabilities ----12,920.21 Cr14,643.31 Cr16,851.67 Cr19,857.95 Cr
Current Liabilities ----3,021.87 Cr2,523.25 Cr2,588.04 Cr4,539.48 Cr
Long Term Debt ----9,857.92 Cr12,076.60 Cr14,179.79 Cr15,179.11 Cr
Total Debt ----12,150.33 Cr13,958.44 Cr16,321.88 Cr18,743.32 Cr
Total Equity 859.00 Cr2,347.00 Cr2,693.00 Cr-3,697.66 Cr4,449.75 Cr6,372.29 Cr7,540.89 Cr
Shares Outstanding ----42.65 Cr42.65 Cr43.14 Cr43.57 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -2,554.00 Cr-1,785.00 Cr-1,202.00 Cr-907.00 Cr-1,155.69 Cr-2,550.10 Cr-3,026.65 Cr-2,807.88 Cr
Investing Cash Flow -49.00 Cr-1,495.00 Cr-480.00 Cr823.00 Cr-476.53 Cr723.13 Cr159.53 Cr308.62 Cr
Financing Cash Flow 3,356.00 Cr3,701.00 Cr701.00 Cr275.00 Cr1,463.19 Cr1,778.09 Cr3,389.23 Cr2,335.52 Cr
Capital Expenditure -8.00 Cr-3.00 Cr-5.00 Cr-11.00 Cr-10.44 Cr-15.44 Cr-14.80 Cr-18.75 Cr
Free Cash Flow -2,562.00 Cr-1,788.00 Cr-1,207.00 Cr-918.00 Cr-1,166.13 Cr-2,565.54 Cr-3,041.45 Cr-2,826.63 Cr
Net Change in Cash 754.00 Cr422.00 Cr-981.00 Cr191.00 Cr-169.03 Cr-48.88 Cr522.11 Cr-163.74 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----84.7%85.0%85.3%85.3%
Operating Margin % ----74.8%74.6%75.1%75.4%
Net Margin % 12.8%13.6%21.6%-29.0%31.8%32.2%32.4%
ROE % 18.9%8.1%12.6%-14.7%16.8%14.3%14.5%
ROCE % ----10.3%10.6%10.3%11.2%

Shareholding Pattern

Insiders
74.63%
Institutions
11.17%
Public Float
44.03%

Analyst View

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Latest News

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AADHARHFC — Frequently Asked Questions

What is the current share price of AADHAR HOUSING FINANCE L (AADHARHFC)?

As of 2026-09-08 04:53 IST, AADHAR HOUSING FINANCE L (AADHARHFC) trades at ₹483.55 on NSE. Its 52-week range is ₹439.10 to ₹556.50.

What is the market capitalisation of AADHARHFC?

AADHAR HOUSING FINANCE L (AADHARHFC) has a market capitalisation of ₹21,068.45 Cr on NSE.

What is the P/E ratio of AADHARHFC?

AADHARHFC trades at a trailing price-to-earnings (P/E) ratio of 19.52. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 2.93.

What is the return on equity (ROE) of AADHARHFC?

AADHARHFC has a return on equity (ROE) of 14.53%. Its return on capital employed (ROCE) is 12.04%.

Is AADHARHFC a good stock to buy?

This page provides a data-driven analysis of AADHAR HOUSING FINANCE L (AADHARHFC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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