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Aadhar Housing Finance Ltd.

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aadharhousing.comBSE: 544176NSE: AADHARHFC
Market Cap₹ 19,998 Cr.
Current Price
High / Low₹ 563 / 430
Stock P/E17.5
Book Value₹ 178
Price to Book2.61
Dividend Yield0.00 %
ROCE11.3 %
ROE15.8 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 26.4% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 42.5%
  • Solid return on assets for a lender - ROA of 4.3%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Company has delivered good sales growth of 18.8% CAGR over last 5 years

CONS

  • Promoter holding has decreased over last 2 years: -11.8pp
  • Company has a low return on capital employed of 11.4%
  • Free cash flow has been persistently negative
  • Thin net interest margin of 0.0%
  • Equity base is being diluted - shares outstanding up 10.4%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Housing
Part ofNIFTY TOTAL MKTNIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJAJHFL84.16673.2470124.930.00715.2822.633063.0217.798.8392.39
2.PIRAMALFIN2256.3031.6553390.900.49460.98—3368.2733.527.7464.47
3.HUDCO172.708.1234572.813.50851.1135.053717.1727.108.4197.08
4.LICHSGFIN562.555.3930943.791.781499.039.907082.59-1.168.5997.06
5.PNBHOUSING1175.0013.2430644.460.68557.344.472263.449.029.4191.52
6.AADHARHFC456.3517.5319997.560.00282.3619.00992.8917.0611.3175.02
7.SAMMAANCAP147.450.0017171.390.00243.30-27.221651.93-31.18-4.7099.91
8.APTUS249.3012.6812485.701.81260.9419.01600.2915.3815.4581.94
9.HOMEFIRST1184.6521.3112386.640.441598.511244.525380.111086.0511.1377.98
10.CANFINHOME781.059.2110400.041.92267.8219.631096.157.439.1491.29
11.AAVAS1275.1020.6110110.820.00142.4812.34546.0221.429.9774.58
12.INDIASHLTR652.0514.157118.251.53137.5927.24408.2324.7312.9673.07
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
578614659692713764798833848897943984993
150117142166173180187196207208213240634
Operating Profit428497517526540584611636641689697744745
OPM %73.96%80.87%78.46%76.05%75.77%76.40%76.60%76.44%75.60%76.85%73.98%75.58%75.02%
Other Income0000000132184
Interest235239251262277285297315332342348343376
Depreciation55566666777119
187253260258257293308316305343360398364
Tax %21.93%22.02%21.88%22.03%22.21%22.21%22.22%22.51%22.27%22.27%21.85%21.95%22.35%
Net Profit146197203202200228239245237266281311282
4555556666671

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2128061,2401,3721,5501,6931,9942,5873,1073,6723,817
291782553372913514586207468881,295
Operating Profit1836289851,0341,2591,3421,5361,9672,3622,7842,522
OPM %86.14%77.87%79.46%75.42%81.24%79.26%77.03%76.04%76.00%75.81%66.07%
00-14100-2501118-1
Interest1464627317938167617999871,1741,3641,409
Depreciation1451211131621253234
Profit before Tax361622352314325676969591,1741,4061,464
Tax %35.10%29.01%31.08%17.97%21.35%21.59%21.71%21.97%22.29%22.07%22.10%
Net Profit231151621893404455457499121,0951,140
EPS24.5653.4964.065.838.3610.9213.3818.9621.1425.14—
Dividend Payout %33.39%6.76%10.85%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
34%
5 Years:
19%
3 Years:
23%

COMPOUNDED PROFIT GROWTH

10 Years:
45%
5 Years:
26%
3 Years:
26%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
-10%

RETURN ON EQUITY

10 Years:
17%
5 Years:
17%
3 Years:
17%
Last Year:
16%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital11252539395395395395431436
1436938342,3072,2912,7363,2804,0295,9107,061
1,6966,9708,4649,74610,60110,87112,51314,67316,61519,547
Trade Payables3141629395180109126124
8284122244303320345-119134222
Total Liabilities1,9357,7869,46112,36513,62814,37216,61319,08623,21627,390
21924445355638092138
1121014924497338458458509631
0000000202527
Cash & Bank871981,0533,1412,1701,7091,9161,0681,5991,185
1,8357,3588,2359,15610,90812,27014,17517,46020,99125,409
Total Assets1,9357,7869,46112,36513,62814,37216,61319,08623,21627,390

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
51502-212237652500912-665-840-225
Cash from Investing-12-11-48-1,496-481823-475726159310
Cash from Financing2932,5053,3603,7017012751,4631,7783,3892,336
-21-71754422-982191-169-49523-164

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
76.4875.8975.7475.6175.5075.3275.1964.9064.66
4.184.324.305.325.586.116.196.135.80
8.509.469.278.588.438.258.459.159.92
Government0.000.000.000.000.000.000.000.000.00
10.8510.3310.6910.5010.4810.3310.1719.8119.61

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-03
General Updates

2026-09-03 - Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ( SEBI Listing Regulations ) ESG Rating

2026-08-28
Credit Rating- Revision

2026-08-28 - Aadhar Housing Finance Limited has informed the Exchange about change in the Credit Rating of the Company

2026-08-26
ESOP/ESOS/ESPS

2026-08-26 - Aadhar Housing Finance Limited has informed the Exchange regarding allotment of 469259 Equity Shares pursuant to exercise of ESOPs.

2026-08-21
Copy of Newspaper Publication

2026-08-21 - Aadhar Housing Finance Limited has informed the Exchange about Copy of Newspaper Publication regarding dispatch of Postal ballot Notice

2026-08-20
Shareholders meeting

2026-08-20 - Aadhar Housing Finance Limited has informed the Exchange regarding Notice of Postal Ballot

2026-08-20
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-20 - Aadhar Housing Finance Limited has informed the Exchange about Schedule of meet

2026-08-14
ESOP/ESOS/ESPS

2026-08-14 - Aadhar Housing Finance Limited has informed the Exchange regarding allotment of 400341 Equity Shares pursuant to exercise of ESOPs.

2026-08-12
Appointment

2026-08-12 - Aadhar Housing Finance Limited has informed the Exchange regarding Appointment of Mr Nikhil Goyal as Additional Director of the company w.e.f. August 12, 2026.

2026-08-11
General Updates

2026-08-11 - Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 ( SEBI Listing Regulations ) ESG Rating.

News

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