Aadhar Housing Finance Ltd.
•₹ 462.55-2.61%
2026-08-21
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 consistently been profitable over the last 5 years
- Company has delivered good sales growth of 18.4% 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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJAJHFL | 85.01 | 680.04 | 70833.18 | 0.00 | 715.28 | 22.63 | 3063.02 | 17.79 | 8.83 | 92.39 |
| 2. | PIRAMALFIN | 2054.70 | 27.61 | 46575.47 | 0.54 | 460.98 | — | 3368.27 | 33.52 | 7.74 | 64.47 |
| 3. | HUDCO | 188.55 | 8.87 | 37745.82 | 3.21 | 851.11 | 35.05 | 3717.17 | 27.10 | 8.41 | 97.08 |
| 4. | PNBHOUSING | 1175.50 | 13.23 | 30632.35 | 0.68 | 557.34 | 4.47 | 2263.44 | 9.02 | 9.41 | 91.52 |
| 5. | LICHSGFIN | 498.50 | 4.78 | 27420.64 | 2.01 | 1499.03 | 9.90 | 7082.59 | -1.16 | 8.59 | 97.06 |
| 6. | AADHARHFC | 477.45 | 18.32 | 20899.77 | 0.00 | 282.36 | 19.00 | 992.89 | 17.06 | 11.31 | 75.02 |
| 7. | SAMMAANCAP | 153.65 | 0.00 | 17893.42 | 0.00 | 243.30 | -27.22 | 1651.93 | -31.18 | 3.64 | 99.91 |
| 8. | APTUS | 252.90 | 12.86 | 12665.68 | 1.78 | 260.94 | 19.01 | 600.29 | 15.38 | 15.45 | 81.94 |
| 9. | HOMEFIRST | 1182.35 | 0.00 | 12359.55 | 0.44 | 1598.51 | 1244.52 | 5380.11 | 1086.05 | 11.13 | 77.98 |
| 10. | AAVAS | 1375.45 | 22.23 | 10905.95 | 0.00 | 142.48 | 12.34 | 546.02 | 21.42 | 10.15 | 74.58 |
| 11. | CANFINHOME | 817.75 | 0.00 | 10888.72 | 1.83 | 267.82 | 19.63 | 1096.15 | 7.43 | 9.14 | 91.29 |
| 12. | INDIASHLTR | 656.40 | 14.22 | 7152.58 | 1.52 | 137.59 | 27.24 | 408.23 | 24.73 | 12.96 | 73.07 |
Detailed Comparison with:
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 985 | 993 | |
| 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 | 214 | 240 | 634 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | 1 | 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 |
| 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 | 360 | 398 | 364 | |
| Tax % | 21.93% | 22.02% | 21.60% | 21.98% | 22.20% | 22.20% | 22.21% | 22.50% | 22.24% | 22.25% | 21.84% | 21.93% | 22.35% |
| Net Profit | 0 | 0 | 0 | 0 | 200 | 228 | 239 | 245 | 237 | 266 | 281 | 311 | 282 |
| 4 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 1 | |
| Equity Capital | 395 | 395 | 395 | 395 | 427 | 430 | 431 | 431 | 432 | 433 | 434 | 436 | 437 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 395 | 395 | 395 | 395 | 427 | 430 | 431 | 431 | 432 | 433 | 434 | 436 | 437 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 593
- 166
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 235
- Depreciation
- 5
- 187
- Tax %
- 21.93%
- Net Profit
- 0
- 4
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 629
- 132
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 239
- Depreciation
- 5
- 253
- Tax %
- 22.02%
- Net Profit
- 0
- 5
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 673
- 156
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 251
- Depreciation
- 5
- 261
- Tax %
- 21.60%
- Net Profit
- 0
- 5
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2024
- 692
- 166
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 262
- Depreciation
- 6
- 259
- Tax %
- 21.98%
- Net Profit
- 0
- 5
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 713
- 173
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 277
- Depreciation
- 6
- 257
- Tax %
- 22.20%
- Net Profit
- 200
- 5
- Equity Capital
- 427
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 427
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 764
- 180
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 285
- Depreciation
- 6
- 292
- Tax %
- 22.20%
- Net Profit
- 228
- 5
- Equity Capital
- 430
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 430
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2024
- 798
- 187
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 297
- Depreciation
- 6
- 308
- Tax %
- 22.21%
- Net Profit
- 239
- 6
- Equity Capital
- 431
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 431
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2025
- 833
- 197
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 315
- Depreciation
- 6
- 316
- Tax %
- 22.50%
- Net Profit
- 245
- 6
- Equity Capital
- 431
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 431
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 848
- 207
- Operating Profit
- —
- OPM %
- —
- Other Income
- 3
- Interest
- 332
- Depreciation
- 7
- 305
- Tax %
- 22.24%
- Net Profit
- 237
- 6
- Equity Capital
- 432
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 432
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2025
- 897
- 208
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 342
- Depreciation
- 7
- 343
- Tax %
- 22.25%
- Net Profit
- 266
- 6
- Equity Capital
- 433
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 433
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2025
- 943
- 214
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 348
- Depreciation
- 7
- 360
- Tax %
- 21.84%
- Net Profit
- 281
- 6
- Equity Capital
- 434
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 434
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 985
- 240
- Operating Profit
- —
- OPM %
- —
- Other Income
- 8
- Interest
- 343
- Depreciation
- 11
- 398
- Tax %
- 21.93%
- Net Profit
- 311
- 7
- Equity Capital
- 436
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 436
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 993
- 634
- Operating Profit
- —
- OPM %
- —
- Other Income
- 4
- Interest
- 376
- Depreciation
- 9
- 364
- Tax %
- 22.35%
- Net Profit
- 282
- 1
- Equity Capital
- 437
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 437
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| 815 | 1,264 | 1,388 | 1,575 | 1,728 | 2,043 | 2,587 | 3,108 | 3,673 | 3,817 | |
| 188 | 278 | 353 | 316 | 387 | 507 | 620 | 747 | 889 | 1,295 | |
| Operating Profit | 628 | 985 | 1,036 | 1,260 | 1,342 | 1,536 | 1,967 | 2,372 | 2,818 | — |
| OPM % | 77 | 78 | 75 | 80 | 78 | 75 | 76 | 76 | 77 | — |
| Other Income | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 11 | 34 | 15 |
| Interest | 462 | 731 | 793 | 816 | 761 | 799 | 987 | 1,174 | 1,364 | 1,409 |
| Depreciation | 4 | 5 | 12 | 11 | 13 | 16 | 21 | 25 | 32 | 34 |
| 162 | 236 | 231 | 433 | 567 | 696 | 960 | 1,173 | 1,406 | 1,464 | |
| Tax % | 29 | 31 | 18 | 21 | 22 | 22 | 22 | 22 | 22 | 22 |
| Net Profit | 115 | 162 | 189 | 340 | 445 | 545 | 750 | 912 | 1,096 | 1,141 |
| EPS | 53 | 64 | 6 | 8 | 11 | 13 | 19 | 21 | 25 | — |
| Dividend Payout % | 7 | 11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 5 | 6 | 5 | 9 | 11 | 14 | 19 | 21 | 25 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 5 | 6 | 5 | 9 | 11 | 14 | 19 | 21 | 25 | — |
Mar 2018
- 815
- 188
- Operating Profit
- 628
- OPM %
- 77
- Other Income
- 0
- Interest
- 462
- Depreciation
- 4
- 162
- Tax %
- 29
- Net Profit
- 115
- EPS
- 53
- Dividend Payout %
- 7
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
Mar 2019
- 1,264
- 278
- Operating Profit
- 985
- OPM %
- 78
- Other Income
- 0
- Interest
- 731
- Depreciation
- 5
- 236
- Tax %
- 31
- Net Profit
- 162
- EPS
- 64
- Dividend Payout %
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 6
Mar 2020
- 1,388
- 353
- Operating Profit
- 1,036
- OPM %
- 75
- Other Income
- 2
- Interest
- 793
- Depreciation
- 12
- 231
- Tax %
- 18
- Net Profit
- 189
- EPS
- 6
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
Mar 2021
- 1,575
- 316
- Operating Profit
- 1,260
- OPM %
- 80
- Other Income
- 1
- Interest
- 816
- Depreciation
- 11
- 433
- Tax %
- 21
- Net Profit
- 340
- EPS
- 8
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 9
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 9
Mar 2022
- 1,728
- 387
- Operating Profit
- 1,342
- OPM %
- 78
- Other Income
- 0
- Interest
- 761
- Depreciation
- 13
- 567
- Tax %
- 22
- Net Profit
- 445
- EPS
- 11
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
Mar 2023
- 2,043
- 507
- Operating Profit
- 1,536
- OPM %
- 75
- Other Income
- 0
- Interest
- 799
- Depreciation
- 16
- 696
- Tax %
- 22
- Net Profit
- 545
- EPS
- 13
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 14
Mar 2024
- 2,587
- 620
- Operating Profit
- 1,967
- OPM %
- 76
- Other Income
- 0
- Interest
- 987
- Depreciation
- 21
- 960
- Tax %
- 22
- Net Profit
- 750
- EPS
- 19
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 19
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 19
Mar 2025
- 3,108
- 747
- Operating Profit
- 2,372
- OPM %
- 76
- Other Income
- 11
- Interest
- 1,174
- Depreciation
- 25
- 1,173
- Tax %
- 22
- Net Profit
- 912
- EPS
- 21
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 21
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 21
Mar 2026
- 3,673
- 889
- Operating Profit
- 2,818
- OPM %
- 77
- Other Income
- 34
- Interest
- 1,364
- Depreciation
- 32
- 1,406
- Tax %
- 22
- Net Profit
- 1,096
- EPS
- 25
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 25
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 25
TTM
- 3,817
- 1,295
- Operating Profit
- —
- OPM %
- —
- Other Income
- 15
- Interest
- 1,409
- Depreciation
- 34
- 1,464
- Tax %
- 22
- Net Profit
- 1,141
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 18%
- 3 Years:
- 22%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 26%
- 3 Years:
- 26%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -8%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 17%
- 3 Years:
- 17%
- Last Year:
- 16%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - |
| Equity Capital | 25 | 25 | 39 | 395 | 395 | 395 | 395 | 431 | 436 |
| 693 | 834 | 2,307 | 2,291 | 2,737 | 3,282 | 4,032 | 5,914 | 7,067 | |
| 346 | 96 | 0 | 0 | 75 | 0 | 1,883 | 2,142 | 3,565 | |
| Trade Payables | 14 | 16 | 29 | 39 | 51 | 80 | 109 | 126 | 124 |
| 6,709 | 8,491 | 9,991 | 10,906 | 11,118 | 12,860 | 12,674 | 14,610 | 16,207 | |
| Total Liabilities | 7,787 | 9,462 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 | 27,399 |
| ASSETS | - | - | - | - | - | - | - | - | - |
| 19 | 24 | 44 | 53 | 55 | 63 | 80 | 92 | 138 | |
| 210 | 150 | 24 | 497 | 338 | 459 | 462 | 513 | 637 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 20 | 25 | 27 | |
| Cash & Bank | 199 | 1,054 | 3,142 | 2,171 | 1,710 | 1,918 | 1,070 | 1,601 | 1,187 |
| 7,358 | 8,235 | 9,157 | 10,909 | 12,272 | 14,177 | 17,461 | 20,992 | 25,410 | |
| Total Assets | 7,787 | 9,462 | 12,366 | 13,630 | 14,376 | 16,618 | 19,093 | 23,224 | 27,399 |
| Total Debt | 6,379 | 8,288 | 9,643 | 10,374 | 10,675 | 12,153 | 13,900 | 16,322 | 18,744 |
| Net Working Capital | -551 | 986 | 2,988 | 2,323 | 1,495 | 1,437 | -770 | -532 | -2,300 |
| Contingent Liabilities | 1 | 1 | 1 | 0 | 6 | 9 | 16 | 9 | 8 |
| Book Value per Share | 285.60 | 341.59 | 594.57 | 68.03 | 79.33 | 93.15 | 112.15 | 147.10 | 172.21 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 6,379 | 8,288 | 9,643 | 10,374 | 10,675 | 12,153 | 13,900 | 16,322 | 18,744 |
| Net Working Capital | -551 | 986 | 2,988 | 2,323 | 1,495 | 1,437 | -770 | -532 | -2,300 |
| Contingent Liabilities | 1 | 1 | 1 | 0 | 6 | 9 | 16 | 9 | 8 |
| Book Value per Share | 285.60 | 341.59 | 594.57 | 68.03 | 79.33 | 93.15 | 112.15 | 147.10 | 172.21 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2018
- Equity Capital
- 25
- 693
- 346
- Trade Payables
- 14
- 6,709
- Total Liabilities
- 7,787
- 19
- 210
- 0
- Cash & Bank
- 199
- 7,358
- Total Assets
- 7,787
- Total Debt
- 6,379
- Net Working Capital
- -551
- Contingent Liabilities
- 1
- Book Value per Share
- 285.60
- Face Value
- 10.00
- Total Debt
- 6,379
- Net Working Capital
- -551
- Contingent Liabilities
- 1
- Book Value per Share
- 285.60
- Face Value
- 10.00
Mar 2019
- Equity Capital
- 25
- 834
- 96
- Trade Payables
- 16
- 8,491
- Total Liabilities
- 9,462
- 24
- 150
- 0
- Cash & Bank
- 1,054
- 8,235
- Total Assets
- 9,462
- Total Debt
- 8,288
- Net Working Capital
- 986
- Contingent Liabilities
- 1
- Book Value per Share
- 341.59
- Face Value
- 10.00
- Total Debt
- 8,288
- Net Working Capital
- 986
- Contingent Liabilities
- 1
- Book Value per Share
- 341.59
- Face Value
- 10.00
Mar 2020
- Equity Capital
- 39
- 2,307
- 0
- Trade Payables
- 29
- 9,991
- Total Liabilities
- 12,366
- 44
- 24
- 0
- Cash & Bank
- 3,142
- 9,157
- Total Assets
- 12,366
- Total Debt
- 9,643
- Net Working Capital
- 2,988
- Contingent Liabilities
- 1
- Book Value per Share
- 594.57
- Face Value
- 10.00
- Total Debt
- 9,643
- Net Working Capital
- 2,988
- Contingent Liabilities
- 1
- Book Value per Share
- 594.57
- Face Value
- 10.00
Mar 2021
- Equity Capital
- 395
- 2,291
- 0
- Trade Payables
- 39
- 10,906
- Total Liabilities
- 13,630
- 53
- 497
- 0
- Cash & Bank
- 2,171
- 10,909
- Total Assets
- 13,630
- Total Debt
- 10,374
- Net Working Capital
- 2,323
- Contingent Liabilities
- 0
- Book Value per Share
- 68.03
- Face Value
- 10.00
- Total Debt
- 10,374
- Net Working Capital
- 2,323
- Contingent Liabilities
- 0
- Book Value per Share
- 68.03
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 395
- 2,737
- 75
- Trade Payables
- 51
- 11,118
- Total Liabilities
- 14,376
- 55
- 338
- 0
- Cash & Bank
- 1,710
- 12,272
- Total Assets
- 14,376
- Total Debt
- 10,675
- Net Working Capital
- 1,495
- Contingent Liabilities
- 6
- Book Value per Share
- 79.33
- Face Value
- 10.00
- Total Debt
- 10,675
- Net Working Capital
- 1,495
- Contingent Liabilities
- 6
- Book Value per Share
- 79.33
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 395
- 3,282
- 0
- Trade Payables
- 80
- 12,860
- Total Liabilities
- 16,618
- 63
- 459
- 0
- Cash & Bank
- 1,918
- 14,177
- Total Assets
- 16,618
- Total Debt
- 12,153
- Net Working Capital
- 1,437
- Contingent Liabilities
- 9
- Book Value per Share
- 93.15
- Face Value
- 10.00
- Total Debt
- 12,153
- Net Working Capital
- 1,437
- Contingent Liabilities
- 9
- Book Value per Share
- 93.15
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 395
- 4,032
- 1,883
- Trade Payables
- 109
- 12,674
- Total Liabilities
- 19,093
- 80
- 462
- 20
- Cash & Bank
- 1,070
- 17,461
- Total Assets
- 19,093
- Total Debt
- 13,900
- Net Working Capital
- -770
- Contingent Liabilities
- 16
- Book Value per Share
- 112.15
- Face Value
- 10.00
- Total Debt
- 13,900
- Net Working Capital
- -770
- Contingent Liabilities
- 16
- Book Value per Share
- 112.15
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 431
- 5,914
- 2,142
- Trade Payables
- 126
- 14,610
- Total Liabilities
- 23,224
- 92
- 513
- 25
- Cash & Bank
- 1,601
- 20,992
- Total Assets
- 23,224
- Total Debt
- 16,322
- Net Working Capital
- -532
- Contingent Liabilities
- 9
- Book Value per Share
- 147.10
- Face Value
- 10.00
- Total Debt
- 16,322
- Net Working Capital
- -532
- Contingent Liabilities
- 9
- Book Value per Share
- 147.10
- Face Value
- 10.00
Mar 2026
- Equity Capital
- 436
- 7,067
- 3,565
- Trade Payables
- 124
- 16,207
- Total Liabilities
- 27,399
- 138
- 637
- 27
- Cash & Bank
- 1,187
- 25,410
- Total Assets
- 27,399
- Total Debt
- 18,744
- Net Working Capital
- -2,300
- Contingent Liabilities
- 8
- Book Value per Share
- 172.21
- Face Value
- 10.00
- Total Debt
- 18,744
- Net Working Capital
- -2,300
- Contingent Liabilities
- 8
- Book Value per Share
- 172.21
- Face Value
- 10.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| -2,564 | -2,557 | -1,785 | -1,202 | -907 | -1,156 | -2,550 | -3,027 | -2,808 | |
| Cash from Investing | -11 | -49 | -1,495 | -480 | 823 | -477 | 723 | 160 | 309 |
| Cash from Financing | 2,505 | 3,360 | 3,701 | 701 | 275 | 1,463 | 1,778 | 3,389 | 2,336 |
| -70 | 754 | 422 | -981 | 191 | -169 | -49 | 522 | -164 | |
| Free Cash Flow | -2,564 | -2,568 | -1,810 | -1,227 | -910 | -1,160 | -2,584 | -3,048 | -2,885 |
| OCF / Net Profit | -22.35 | -15.75 | -9.42 | -3.53 | -2.04 | -2.12 | -3.40 | -3.32 | -2.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -7,674 | -7,691 | -8,929 | -10,587 |
| OCF / Net Profit | -22.35 | -15.75 | -9.42 | -3.53 | -2.04 | -2.12 | -3.40 | -3.32 | -2.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -7,674 | -7,691 | -8,929 | -10,587 |
Mar 2018
- -2,564
- Cash from Investing
- -11
- Cash from Financing
- 2,505
- -70
- Free Cash Flow
- -2,564
- OCF / Net Profit
- -22.35
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -22.35
- Cumulative 5-Year FCF
- 0
Mar 2019
- -2,557
- Cash from Investing
- -49
- Cash from Financing
- 3,360
- 754
- Free Cash Flow
- -2,568
- OCF / Net Profit
- -15.75
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -15.75
- Cumulative 5-Year FCF
- 0
Mar 2020
- -1,785
- Cash from Investing
- -1,495
- Cash from Financing
- 3,701
- 422
- Free Cash Flow
- -1,810
- OCF / Net Profit
- -9.42
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -9.42
- Cumulative 5-Year FCF
- 0
Mar 2021
- -1,202
- Cash from Investing
- -480
- Cash from Financing
- 701
- -981
- Free Cash Flow
- -1,227
- OCF / Net Profit
- -3.53
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -3.53
- Cumulative 5-Year FCF
- 0
Mar 2022
- -907
- Cash from Investing
- 823
- Cash from Financing
- 275
- 191
- Free Cash Flow
- -910
- OCF / Net Profit
- -2.04
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -2.04
- Cumulative 5-Year FCF
- 0
Mar 2023
- -1,156
- Cash from Investing
- -477
- Cash from Financing
- 1,463
- -169
- Free Cash Flow
- -1,160
- OCF / Net Profit
- -2.12
- Cumulative 5-Year FCF
- -7,674
- OCF / Net Profit
- -2.12
- Cumulative 5-Year FCF
- -7,674
Mar 2024
- -2,550
- Cash from Investing
- 723
- Cash from Financing
- 1,778
- -49
- Free Cash Flow
- -2,584
- OCF / Net Profit
- -3.40
- Cumulative 5-Year FCF
- -7,691
- OCF / Net Profit
- -3.40
- Cumulative 5-Year FCF
- -7,691
Mar 2025
- -3,027
- Cash from Investing
- 160
- Cash from Financing
- 3,389
- 522
- Free Cash Flow
- -3,048
- OCF / Net Profit
- -3.32
- Cumulative 5-Year FCF
- -8,929
- OCF / Net Profit
- -3.32
- Cumulative 5-Year FCF
- -8,929
Mar 2026
- -2,808
- Cash from Investing
- 309
- Cash from Financing
- 2,336
- -164
- Free Cash Flow
- -2,885
- OCF / Net Profit
- -2.56
- Cumulative 5-Year FCF
- -10,587
- OCF / Net Profit
- -2.56
- Cumulative 5-Year FCF
- -10,587
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 45.61 | 64.56 | 47.99 | 8.62 | 11.27 | 13.80 | 18.99 | 21.14 | 25.15 |
| Book Value (₹) | 285.60 | 341.59 | 594.57 | 68.03 | 79.33 | 93.15 | 112.15 | 147.10 | 172.21 |
| Dividend per Share (₹) | 3.08 | 7.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 4.71 | 6.67 | 5.09 | 8.90 | 11.60 | 14.22 | 19.52 | 21.72 | 25.89 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 76.99% | 77.97% | 74.66% | 79.96% | 77.64% | 75.20% | 76.04% | 75.98% | 75.80% |
| Net Margin % | 14.07% | 12.85% | 13.65% | 21.59% | 25.74% | 26.66% | 28.98% | 29.34% | 29.84% |
| ROE % | 15.97% | 20.59% | 11.82% | 13.52% | 15.29% | 16.00% | 18.50% | 16.93% | 15.83% |
| ROCE % | 8.79% | 11.89% | 9.69% | 9.96% | 9.88% | 10.08% | 11.38% | 11.44% | 11.31% |
| 1.47% | 1.88% | 1.74% | 2.62% | 3.18% | 3.52% | 4.20% | 4.31% | 4.33% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - |
| Debtor Days | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 3 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 1 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 3 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 8.88x | 9.65x | 4.11x | 3.86x | 3.41x | 3.31x | 3.14x | 2.57x | 2.50x |
| Interest Coverage (x) | 1.35x | 1.32x | 1.29x | 1.53x | 1.75x | 1.87x | 1.97x | 2.00x | 2.03x |
| 0.45x | 3.68x | 9.60x | 5.36x | 3.49x | 2.94x | 0.63x | 0.77x | 0.40x | |
| GROWTH | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 0.00% | 55.06% | 9.80% | 13.52% | 9.71% | 18.22% | 26.60% | 20.13% | 18.18% |
| Operating Profit Growth % | 0.00% | 57.02% | 5.14% | 21.59% | 6.52% | 14.51% | 28.04% | 20.59% | 18.80% |
| Net Profit Growth % | 0.00% | 41.55% | 16.63% | 79.60% | 30.79% | 22.46% | 37.61% | 21.64% | 20.18% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 37.61% | 11.31% | 18.99% | |
| VALUATION | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 20.05x | 17.88x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 2.88x | 2.61x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 6.72x | 13.91x | 13.18x |
Mar 2018
- EPS (₹)
- 45.61
- Book Value (₹)
- 285.60
- Dividend per Share (₹)
- 3.08
- Cash EPS (₹)
- 4.71
- Operating Margin %
- 76.99%
- Net Margin %
- 14.07%
- ROE %
- 15.97%
- ROCE %
- 8.79%
- 1.47%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 8.88x
- Interest Coverage (x)
- 1.35x
- 0.45x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 64.56
- Book Value (₹)
- 341.59
- Dividend per Share (₹)
- 7.00
- Cash EPS (₹)
- 6.67
- Operating Margin %
- 77.97%
- Net Margin %
- 12.85%
- ROE %
- 20.59%
- ROCE %
- 11.89%
- 1.88%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 9.65x
- Interest Coverage (x)
- 1.32x
- 3.68x
- Revenue Growth %
- 55.06%
- Operating Profit Growth %
- 57.02%
- Net Profit Growth %
- 41.55%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 47.99
- Book Value (₹)
- 594.57
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 5.09
- Operating Margin %
- 74.66%
- Net Margin %
- 13.65%
- ROE %
- 11.82%
- ROCE %
- 9.69%
- 1.74%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 4.11x
- Interest Coverage (x)
- 1.29x
- 9.60x
- Revenue Growth %
- 9.80%
- Operating Profit Growth %
- 5.14%
- Net Profit Growth %
- 16.63%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 8.62
- Book Value (₹)
- 68.03
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 8.90
- Operating Margin %
- 79.96%
- Net Margin %
- 21.59%
- ROE %
- 13.52%
- ROCE %
- 9.96%
- 2.62%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 3.86x
- Interest Coverage (x)
- 1.53x
- 5.36x
- Revenue Growth %
- 13.52%
- Operating Profit Growth %
- 21.59%
- Net Profit Growth %
- 79.60%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 11.27
- Book Value (₹)
- 79.33
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 11.60
- Operating Margin %
- 77.64%
- Net Margin %
- 25.74%
- ROE %
- 15.29%
- ROCE %
- 9.88%
- 3.18%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 3.41x
- Interest Coverage (x)
- 1.75x
- 3.49x
- Revenue Growth %
- 9.71%
- Operating Profit Growth %
- 6.52%
- Net Profit Growth %
- 30.79%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 13.80
- Book Value (₹)
- 93.15
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 14.22
- Operating Margin %
- 75.20%
- Net Margin %
- 26.66%
- ROE %
- 16.00%
- ROCE %
- 10.08%
- 3.52%
- Debtor Days
- 1
- Inventory Days
- 0
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 3.31x
- Interest Coverage (x)
- 1.87x
- 2.94x
- Revenue Growth %
- 18.22%
- Operating Profit Growth %
- 14.51%
- Net Profit Growth %
- 22.46%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 18.99
- Book Value (₹)
- 112.15
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 19.52
- Operating Margin %
- 76.04%
- Net Margin %
- 28.98%
- ROE %
- 18.50%
- ROCE %
- 11.38%
- 4.20%
- Debtor Days
- 2
- Inventory Days
- 0
- Payable Days
- 0
- 2
- Debt to Equity (x)
- 3.14x
- Interest Coverage (x)
- 1.97x
- 0.63x
- Revenue Growth %
- 26.60%
- Operating Profit Growth %
- 28.04%
- Net Profit Growth %
- 37.61%
- 37.61%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 6.72x
Mar 2025
- EPS (₹)
- 21.14
- Book Value (₹)
- 147.10
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 21.72
- Operating Margin %
- 75.98%
- Net Margin %
- 29.34%
- ROE %
- 16.93%
- ROCE %
- 11.44%
- 4.31%
- Debtor Days
- 3
- Inventory Days
- 0
- Payable Days
- 0
- 3
- Debt to Equity (x)
- 2.57x
- Interest Coverage (x)
- 2.00x
- 0.77x
- Revenue Growth %
- 20.13%
- Operating Profit Growth %
- 20.59%
- Net Profit Growth %
- 21.64%
- 11.31%
- P/E (x)
- 20.05x
- P/B (x)
- 2.88x
- Dividend Yield %
- 0.00%
- 13.91x
Mar 2026
- EPS (₹)
- 25.15
- Book Value (₹)
- 172.21
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 25.89
- Operating Margin %
- 75.80%
- Net Margin %
- 29.84%
- ROE %
- 15.83%
- ROCE %
- 11.31%
- 4.33%
- Debtor Days
- 3
- Inventory Days
- 0
- Payable Days
- 0
- 3
- Debt to Equity (x)
- 2.50x
- Interest Coverage (x)
- 2.03x
- 0.40x
- Revenue Growth %
- 18.18%
- Operating Profit Growth %
- 18.80%
- Net Profit Growth %
- 20.18%
- 18.99%
- P/E (x)
- 17.88x
- P/B (x)
- 2.61x
- Dividend Yield %
- 0.00%
- 13.18x
Documents
Announcements
- Shareholders meeting
2026-08-20 - Aadhar Housing Finance Limited has informed the Exchange regarding Notice of Postal Ballot
- Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-20 - Aadhar Housing Finance Limited has informed the Exchange about Schedule of meet
Annual Reports
Nothing filed yet.
Credit Ratings
- Credit Rating- Others
2025-11-10 - Aadhar Housing Finance Limited has informed the Exchange about withdrawal of credit rating on Non-Convertible Debentures
- Credit Rating
2025-09-09 - Aadhar Housing Finance Limited has informed the Exchange about Credit Rating
- Credit Rating
2025-09-02 - Aadhar Housing Finance Limited has informed the Exchange about Credit Rating
Concalls
Aug 2026
Jun 2026
May 2026