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 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
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
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 578 | 614 | 659 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 984 | 993 | |
| 150 | 117 | 142 | 166 | 173 | 180 | 187 | 196 | 207 | 208 | 213 | 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 | 260 | 258 | 257 | 293 | 308 | 316 | 305 | 343 | 360 | 398 | 364 | |
| 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 Profit | 146 | 197 | 203 | 202 | 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
- 578
- 150
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 235
- Depreciation
- 5
- 187
- Tax %
- 21.93%
- Net Profit
- 146
- 4
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 614
- 117
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 239
- Depreciation
- 5
- 253
- Tax %
- 22.02%
- Net Profit
- 197
- 5
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 395
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 659
- 142
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 251
- Depreciation
- 5
- 260
- Tax %
- 21.88%
- Net Profit
- 203
- 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
- 258
- Tax %
- 22.03%
- Net Profit
- 202
- 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 %
- 22.21%
- 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
- 293
- Tax %
- 22.21%
- 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 %
- 22.22%
- 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
- 196
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 315
- Depreciation
- 6
- 316
- Tax %
- 22.51%
- 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 %
- 22.27%
- 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 %
- 22.27%
- 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
- 213
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 348
- Depreciation
- 7
- 360
- Tax %
- 21.85%
- Net Profit
- 281
- 6
- Equity Capital
- 434
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 434
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 984
- 240
- Operating Profit
- —
- OPM %
- —
- Other Income
- 8
- Interest
- 343
- Depreciation
- 11
- 398
- Tax %
- 21.95%
- 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
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 212 | 806 | 1,240 | 1,372 | 1,550 | 1,693 | 1,994 | 2,587 | 3,107 | 3,672 | 3,817 | |
| 29 | 178 | 255 | 337 | 291 | 351 | 458 | 620 | 746 | 888 | 1,295 | |
| Operating Profit | 183 | 628 | 985 | 1,036 | 1,259 | 1,342 | 1,536 | 1,967 | 2,373 | 2,818 | — |
| OPM % | 86 | 78 | 79 | 76 | 81 | 79 | 77 | 76 | 76 | 77 | — |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 11 | 34 | 15 |
| Interest | 146 | 462 | 731 | 793 | 816 | 761 | 799 | 987 | 1,174 | 1,364 | 1,409 |
| Depreciation | 1 | 4 | 5 | 12 | 11 | 13 | 16 | 21 | 25 | 32 | 34 |
| 36 | 162 | 235 | 231 | 432 | 567 | 696 | 959 | 1,174 | 1,406 | 1,464 | |
| Tax % | 35 | 29 | 31 | 18 | 21 | 22 | 22 | 22 | 22 | 22 | 22 |
| Net Profit | 23 | 115 | 162 | 189 | 340 | 445 | 545 | 749 | 912 | 1,095 | 1,140 |
| EPS | 25 | 53 | 64 | 6 | 8 | 11 | 13 | 19 | 21 | 25 | — |
| Dividend Payout % | 33 | 7 | 11 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 2 | 5 | 6 | 5 | 9 | 11 | 14 | 19 | 21 | 25 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 2 | 5 | 6 | 5 | 9 | 11 | 14 | 19 | 21 | 25 | — |
Mar 2017
- 212
- 29
- Operating Profit
- 183
- OPM %
- 86
- Other Income
- 0
- Interest
- 146
- Depreciation
- 1
- 36
- Tax %
- 35
- Net Profit
- 23
- EPS
- 25
- Dividend Payout %
- 33
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2018
- 806
- 178
- Operating Profit
- 628
- OPM %
- 78
- 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
- 1,240
- 255
- Operating Profit
- 985
- OPM %
- 79
- Other Income
- 0
- Interest
- 731
- Depreciation
- 5
- 235
- 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
- 1,372
- 337
- Operating Profit
- 1,036
- OPM %
- 76
- Other Income
- 1
- 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
- 1,550
- 291
- Operating Profit
- 1,259
- OPM %
- 81
- Other Income
- 0
- Interest
- 816
- Depreciation
- 11
- 432
- 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
- 1,693
- 351
- Operating Profit
- 1,342
- OPM %
- 79
- 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
- 1,994
- 458
- Operating Profit
- 1,536
- OPM %
- 77
- 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
- 959
- Tax %
- 22
- Net Profit
- 749
- 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
- 3,107
- 746
- Operating Profit
- 2,373
- OPM %
- 76
- Other Income
- 11
- Interest
- 1,174
- Depreciation
- 25
- 1,174
- 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
- 3,672
- 888
- Operating Profit
- 2,818
- OPM %
- 77
- Other Income
- 34
- Interest
- 1,364
- Depreciation
- 32
- 1,406
- Tax %
- 22
- Net Profit
- 1,095
- 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
- 1,140
- 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:
- 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:
- -8%
RETURN ON EQUITY
- 10 Years:
- 17%
- 5 Years:
- 17%
- 3 Years:
- 17%
- Last Year:
- 16%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 11 | 25 | 25 | 39 | 395 | 395 | 395 | 395 | 431 | 436 |
| 143 | 693 | 834 | 2,307 | 2,291 | 2,736 | 3,280 | 4,029 | 5,910 | 7,061 | |
| 277 | 346 | 96 | 0 | 0 | 75 | 0 | 1,883 | 2,142 | 3,565 | |
| Trade Payables | 3 | 14 | 16 | 29 | 39 | 51 | 80 | 109 | 126 | 124 |
| 1,501 | 6,708 | 8,490 | 9,990 | 10,904 | 11,116 | 12,858 | 12,671 | 14,607 | 16,205 | |
| Total Liabilities | 1,935 | 7,786 | 9,461 | 12,365 | 13,628 | 14,372 | 16,613 | 19,086 | 23,216 | 27,390 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 2 | 19 | 24 | 44 | 53 | 55 | 63 | 80 | 92 | 138 | |
| 11 | 210 | 149 | 24 | 497 | 338 | 458 | 458 | 509 | 631 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20 | 25 | 27 | |
| Cash & Bank | 87 | 198 | 1,053 | 3,141 | 2,170 | 1,709 | 1,916 | 1,068 | 1,599 | 1,185 |
| 1,835 | 7,358 | 8,235 | 9,156 | 10,908 | 12,270 | 14,175 | 17,460 | 20,991 | 25,409 | |
| Total Assets | 1,935 | 7,786 | 9,461 | 12,365 | 13,628 | 14,372 | 16,613 | 19,086 | 23,216 | 27,390 |
| Total Debt | 1,697 | 6,379 | 8,288 | 9,643 | 10,374 | 10,675 | 12,153 | 13,900 | 16,322 | 18,744 |
| Net Working Capital | -147 | -553 | 985 | 2,984 | 2,323 | 1,495 | 1,436 | -794 | -540 | -2,310 |
| Contingent Liabilities | 1 | 1 | 1 | 1 | 0 | 6 | 9 | 16 | 9 | 8 |
| Book Value per Share | 138.75 | 285.64 | 341.56 | 594.54 | 68.02 | 79.30 | 93.10 | 112.05 | 147.00 | 172.06 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 1,697 | 6,379 | 8,288 | 9,643 | 10,374 | 10,675 | 12,153 | 13,900 | 16,322 | 18,744 |
| Net Working Capital | -147 | -553 | 985 | 2,984 | 2,323 | 1,495 | 1,436 | -794 | -540 | -2,310 |
| Contingent Liabilities | 1 | 1 | 1 | 1 | 0 | 6 | 9 | 16 | 9 | 8 |
| Book Value per Share | 138.75 | 285.64 | 341.56 | 594.54 | 68.02 | 79.30 | 93.10 | 112.05 | 147.00 | 172.06 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2017
- Equity Capital
- 11
- 143
- 277
- Trade Payables
- 3
- 1,501
- Total Liabilities
- 1,935
- 2
- 11
- 0
- Cash & Bank
- 87
- 1,835
- Total Assets
- 1,935
- Total Debt
- 1,697
- Net Working Capital
- -147
- Contingent Liabilities
- 1
- Book Value per Share
- 138.75
- Face Value
- 10.00
- Total Debt
- 1,697
- Net Working Capital
- -147
- Contingent Liabilities
- 1
- Book Value per Share
- 138.75
- Face Value
- 10.00
Mar 2018
- Equity Capital
- 25
- 693
- 346
- Trade Payables
- 14
- 6,708
- Total Liabilities
- 7,786
- 19
- 210
- 0
- Cash & Bank
- 198
- 7,358
- Total Assets
- 7,786
- Total Debt
- 6,379
- Net Working Capital
- -553
- Contingent Liabilities
- 1
- Book Value per Share
- 285.64
- Face Value
- 10.00
- Total Debt
- 6,379
- Net Working Capital
- -553
- Contingent Liabilities
- 1
- Book Value per Share
- 285.64
- Face Value
- 10.00
Mar 2019
- Equity Capital
- 25
- 834
- 96
- Trade Payables
- 16
- 8,490
- Total Liabilities
- 9,461
- 24
- 149
- 0
- Cash & Bank
- 1,053
- 8,235
- Total Assets
- 9,461
- Total Debt
- 8,288
- Net Working Capital
- 985
- Contingent Liabilities
- 1
- Book Value per Share
- 341.56
- Face Value
- 10.00
- Total Debt
- 8,288
- Net Working Capital
- 985
- Contingent Liabilities
- 1
- Book Value per Share
- 341.56
- Face Value
- 10.00
Mar 2020
- Equity Capital
- 39
- 2,307
- 0
- Trade Payables
- 29
- 9,990
- Total Liabilities
- 12,365
- 44
- 24
- 0
- Cash & Bank
- 3,141
- 9,156
- Total Assets
- 12,365
- Total Debt
- 9,643
- Net Working Capital
- 2,984
- Contingent Liabilities
- 1
- Book Value per Share
- 594.54
- Face Value
- 10.00
- Total Debt
- 9,643
- Net Working Capital
- 2,984
- Contingent Liabilities
- 1
- Book Value per Share
- 594.54
- Face Value
- 10.00
Mar 2021
- Equity Capital
- 395
- 2,291
- 0
- Trade Payables
- 39
- 10,904
- Total Liabilities
- 13,628
- 53
- 497
- 0
- Cash & Bank
- 2,170
- 10,908
- Total Assets
- 13,628
- Total Debt
- 10,374
- Net Working Capital
- 2,323
- Contingent Liabilities
- 0
- Book Value per Share
- 68.02
- Face Value
- 10.00
- Total Debt
- 10,374
- Net Working Capital
- 2,323
- Contingent Liabilities
- 0
- Book Value per Share
- 68.02
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 395
- 2,736
- 75
- Trade Payables
- 51
- 11,116
- Total Liabilities
- 14,372
- 55
- 338
- 0
- Cash & Bank
- 1,709
- 12,270
- Total Assets
- 14,372
- Total Debt
- 10,675
- Net Working Capital
- 1,495
- Contingent Liabilities
- 6
- Book Value per Share
- 79.30
- Face Value
- 10.00
- Total Debt
- 10,675
- Net Working Capital
- 1,495
- Contingent Liabilities
- 6
- Book Value per Share
- 79.30
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 395
- 3,280
- 0
- Trade Payables
- 80
- 12,858
- Total Liabilities
- 16,613
- 63
- 458
- 0
- Cash & Bank
- 1,916
- 14,175
- Total Assets
- 16,613
- Total Debt
- 12,153
- Net Working Capital
- 1,436
- Contingent Liabilities
- 9
- Book Value per Share
- 93.10
- Face Value
- 10.00
- Total Debt
- 12,153
- Net Working Capital
- 1,436
- Contingent Liabilities
- 9
- Book Value per Share
- 93.10
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 395
- 4,029
- 1,883
- Trade Payables
- 109
- 12,671
- Total Liabilities
- 19,086
- 80
- 458
- 20
- Cash & Bank
- 1,068
- 17,460
- Total Assets
- 19,086
- Total Debt
- 13,900
- Net Working Capital
- -794
- Contingent Liabilities
- 16
- Book Value per Share
- 112.05
- Face Value
- 10.00
- Total Debt
- 13,900
- Net Working Capital
- -794
- Contingent Liabilities
- 16
- Book Value per Share
- 112.05
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 431
- 5,910
- 2,142
- Trade Payables
- 126
- 14,607
- Total Liabilities
- 23,216
- 92
- 509
- 25
- Cash & Bank
- 1,599
- 20,991
- Total Assets
- 23,216
- Total Debt
- 16,322
- Net Working Capital
- -540
- Contingent Liabilities
- 9
- Book Value per Share
- 147.00
- Face Value
- 10.00
- Total Debt
- 16,322
- Net Working Capital
- -540
- Contingent Liabilities
- 9
- Book Value per Share
- 147.00
- Face Value
- 10.00
Mar 2026
- Equity Capital
- 436
- 7,061
- 3,565
- Trade Payables
- 124
- 16,205
- Total Liabilities
- 27,390
- 138
- 631
- 27
- Cash & Bank
- 1,185
- 25,409
- Total Assets
- 27,390
- Total Debt
- 18,744
- Net Working Capital
- -2,310
- Contingent Liabilities
- 8
- Book Value per Share
- 172.06
- Face Value
- 10.00
- Total Debt
- 18,744
- Net Working Capital
- -2,310
- Contingent Liabilities
- 8
- Book Value per Share
- 172.06
- Face Value
- 10.00
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -302 | -2,565 | -2,558 | -1,784 | -1,203 | -907 | -1,157 | -2,553 | -3,026 | -2,810 | |
| Cash from Investing | -12 | -11 | -48 | -1,496 | -481 | 823 | -475 | 726 | 159 | 310 |
| Cash from Financing | 293 | 2,505 | 3,360 | 3,701 | 701 | 275 | 1,463 | 1,778 | 3,389 | 2,336 |
| -21 | -71 | 754 | 422 | -982 | 191 | -169 | -49 | 523 | -164 | |
| Free Cash Flow | -303 | -2,581 | -2,568 | -1,810 | -1,228 | -909 | -1,161 | -2,587 | -3,048 | -2,887 |
| OCF / Net Profit | -13.02 | -22.34 | -15.77 | -9.42 | -3.54 | -2.04 | -2.12 | -3.41 | -3.32 | -2.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -8,490 | -9,096 | -7,676 | -7,695 | -8,933 | -10,592 |
| OCF / Net Profit | -13.02 | -22.34 | -15.77 | -9.42 | -3.54 | -2.04 | -2.12 | -3.41 | -3.32 | -2.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | -8,490 | -9,096 | -7,676 | -7,695 | -8,933 | -10,592 |
Mar 2017
- -302
- Cash from Investing
- -12
- Cash from Financing
- 293
- -21
- Free Cash Flow
- -303
- OCF / Net Profit
- -13.02
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -13.02
- Cumulative 5-Year FCF
- 0
Mar 2018
- -2,565
- Cash from Investing
- -11
- Cash from Financing
- 2,505
- -71
- Free Cash Flow
- -2,581
- OCF / Net Profit
- -22.34
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -22.34
- Cumulative 5-Year FCF
- 0
Mar 2019
- -2,558
- Cash from Investing
- -48
- Cash from Financing
- 3,360
- 754
- Free Cash Flow
- -2,568
- OCF / Net Profit
- -15.77
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -15.77
- Cumulative 5-Year FCF
- 0
Mar 2020
- -1,784
- Cash from Investing
- -1,496
- 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
- -1,203
- Cash from Investing
- -481
- Cash from Financing
- 701
- -982
- Free Cash Flow
- -1,228
- OCF / Net Profit
- -3.54
- Cumulative 5-Year FCF
- -8,490
- OCF / Net Profit
- -3.54
- Cumulative 5-Year FCF
- -8,490
Mar 2022
- -907
- Cash from Investing
- 823
- Cash from Financing
- 275
- 191
- Free Cash Flow
- -909
- OCF / Net Profit
- -2.04
- Cumulative 5-Year FCF
- -9,096
- OCF / Net Profit
- -2.04
- Cumulative 5-Year FCF
- -9,096
Mar 2023
- -1,157
- Cash from Investing
- -475
- Cash from Financing
- 1,463
- -169
- Free Cash Flow
- -1,161
- OCF / Net Profit
- -2.12
- Cumulative 5-Year FCF
- -7,676
- OCF / Net Profit
- -2.12
- Cumulative 5-Year FCF
- -7,676
Mar 2024
- -2,553
- Cash from Investing
- 726
- Cash from Financing
- 1,778
- -49
- Free Cash Flow
- -2,587
- OCF / Net Profit
- -3.41
- Cumulative 5-Year FCF
- -7,695
- OCF / Net Profit
- -3.41
- Cumulative 5-Year FCF
- -7,695
Mar 2025
- -3,026
- Cash from Investing
- 159
- Cash from Financing
- 3,389
- 523
- Free Cash Flow
- -3,048
- OCF / Net Profit
- -3.32
- Cumulative 5-Year FCF
- -8,933
- OCF / Net Profit
- -3.32
- Cumulative 5-Year FCF
- -8,933
Mar 2026
- -2,810
- Cash from Investing
- 310
- Cash from Financing
- 2,336
- -164
- Free Cash Flow
- -2,887
- OCF / Net Profit
- -2.56
- Cumulative 5-Year FCF
- -10,592
- OCF / Net Profit
- -2.56
- Cumulative 5-Year FCF
- -10,592
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 20.95 | 45.65 | 64.51 | 48.00 | 8.61 | 11.26 | 13.80 | 18.96 | 21.14 | 25.14 |
| Book Value (₹) | 138.75 | 285.64 | 341.56 | 594.54 | 68.02 | 79.30 | 93.10 | 112.05 | 147.00 | 172.06 |
| Dividend per Share (₹) | 7.00 | 3.08 | 7.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 2.14 | 4.71 | 6.66 | 5.09 | 8.90 | 11.60 | 14.21 | 19.49 | 21.73 | 25.88 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 86.15% | 77.88% | 79.47% | 75.53% | 81.27% | 79.26% | 77.04% | 76.04% | 76.00% | 75.81% |
| Net Margin % | 10.95% | 14.25% | 13.09% | 13.81% | 21.94% | 26.27% | 27.31% | 28.94% | 29.35% | 29.83% |
| ROE % | 15.45% | 26.33% | 20.57% | 11.82% | 13.51% | 15.29% | 16.00% | 18.48% | 16.95% | 15.83% |
| ROCE % | 10.72% | 13.95% | 11.89% | 9.69% | 9.96% | 9.88% | 10.08% | 11.38% | 11.44% | 11.31% |
| 1.32% | 2.36% | 1.88% | 1.74% | 2.62% | 3.18% | 3.52% | 4.19% | 4.31% | 4.33% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 8 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 3 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 3 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 11.04x | 8.88x | 9.65x | 4.11x | 3.86x | 3.41x | 3.31x | 3.14x | 2.57x | 2.50x |
| Interest Coverage (x) | 1.24x | 1.35x | 1.32x | 1.29x | 1.53x | 1.75x | 1.87x | 1.97x | 2.00x | 2.03x |
| 0.58x | 0.45x | 3.65x | 9.60x | 5.37x | 3.49x | 2.95x | 0.62x | 0.77x | 0.40x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 9.87% | 280.17% | 53.82% | 10.65% | 12.98% | 9.22% | 17.81% | 29.72% | 20.13% | 18.18% |
| Operating Profit Growth % | 6.35% | 243.67% | 56.94% | 5.17% | 21.57% | 6.52% | 14.51% | 28.03% | 20.64% | 18.76% |
| Net Profit Growth % | -13.15% | 394.70% | 41.30% | 16.73% | 79.51% | 30.79% | 22.47% | 37.45% | 21.86% | 20.11% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 37.45% | 11.51% | 18.91% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 20.05x | 17.89x |
| P/B (x) | 0.00x | 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% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 6.72x | 13.91x | 13.19x |
Mar 2017
- EPS (₹)
- 20.95
- Book Value (₹)
- 138.75
- Dividend per Share (₹)
- 7.00
- Cash EPS (₹)
- 2.14
- Operating Margin %
- 86.15%
- Net Margin %
- 10.95%
- ROE %
- 15.45%
- ROCE %
- 10.72%
- 1.32%
- Debtor Days
- 8
- Inventory Days
- 0
- Payable Days
- 0
- 8
- Debt to Equity (x)
- 11.04x
- Interest Coverage (x)
- 1.24x
- 0.58x
- Revenue Growth %
- 9.87%
- Operating Profit Growth %
- 6.35%
- Net Profit Growth %
- -13.15%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 45.65
- Book Value (₹)
- 285.64
- Dividend per Share (₹)
- 3.08
- Cash EPS (₹)
- 4.71
- Operating Margin %
- 77.88%
- Net Margin %
- 14.25%
- ROE %
- 26.33%
- ROCE %
- 13.95%
- 2.36%
- Debtor Days
- 2
- Inventory Days
- 0
- Payable Days
- 0
- 2
- Debt to Equity (x)
- 8.88x
- Interest Coverage (x)
- 1.35x
- 0.45x
- Revenue Growth %
- 280.17%
- Operating Profit Growth %
- 243.67%
- Net Profit Growth %
- 394.70%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 64.51
- Book Value (₹)
- 341.56
- Dividend per Share (₹)
- 7.00
- Cash EPS (₹)
- 6.66
- Operating Margin %
- 79.47%
- Net Margin %
- 13.09%
- ROE %
- 20.57%
- 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
- 3.65x
- Revenue Growth %
- 53.82%
- Operating Profit Growth %
- 56.94%
- Net Profit Growth %
- 41.30%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 48.00
- Book Value (₹)
- 594.54
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 5.09
- Operating Margin %
- 75.53%
- Net Margin %
- 13.81%
- 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 %
- 10.65%
- Operating Profit Growth %
- 5.17%
- Net Profit Growth %
- 16.73%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 8.61
- Book Value (₹)
- 68.02
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 8.90
- Operating Margin %
- 81.27%
- Net Margin %
- 21.94%
- ROE %
- 13.51%
- 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
- 5.37x
- Revenue Growth %
- 12.98%
- Operating Profit Growth %
- 21.57%
- Net Profit Growth %
- 79.51%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 11.26
- Book Value (₹)
- 79.30
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 11.60
- Operating Margin %
- 79.26%
- Net Margin %
- 26.27%
- 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 %
- 9.22%
- 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 (₹)
- 93.10
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 14.21
- Operating Margin %
- 77.04%
- Net Margin %
- 27.31%
- 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
- 2.95x
- Revenue Growth %
- 17.81%
- Operating Profit Growth %
- 14.51%
- Net Profit Growth %
- 22.47%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 18.96
- Book Value (₹)
- 112.05
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 19.49
- Operating Margin %
- 76.04%
- Net Margin %
- 28.94%
- ROE %
- 18.48%
- ROCE %
- 11.38%
- 4.19%
- Debtor Days
- 2
- Inventory Days
- 0
- Payable Days
- 0
- 2
- Debt to Equity (x)
- 3.14x
- Interest Coverage (x)
- 1.97x
- 0.62x
- Revenue Growth %
- 29.72%
- Operating Profit Growth %
- 28.03%
- Net Profit Growth %
- 37.45%
- 37.45%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 6.72x
Mar 2025
- EPS (₹)
- 21.14
- Book Value (₹)
- 147.00
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 21.73
- Operating Margin %
- 76.00%
- Net Margin %
- 29.35%
- ROE %
- 16.95%
- 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 %
- 20.64%
- Net Profit Growth %
- 21.86%
- 11.51%
- P/E (x)
- 20.05x
- P/B (x)
- 2.88x
- Dividend Yield %
- 0.00%
- 13.91x
Mar 2026
- EPS (₹)
- 25.14
- Book Value (₹)
- 172.06
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 25.88
- Operating Margin %
- 75.81%
- Net Margin %
- 29.83%
- 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 %
- 18.76%
- Net Profit Growth %
- 20.11%
- 18.91%
- P/E (x)
- 17.89x
- P/B (x)
- 2.61x
- Dividend Yield %
- 0.00%
- 13.19x
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