Aadhar Housing Finance Ltd

Aadhar Hsg. Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Aadhar Housing Finance Ltd

₹ 491 3.62%
30 Jan - close price
aadharhousing.com BSE: 544176 NSE: AADHARHFC
About

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]

Key Points

Focus on Low-Income Financing[1]
Aadhar Housing Finance is a housing finance company (HFC) focused on the low-income housing segment with a ticket size of < Rs 15 lakh. The average ticket size of loans was Rs 10 lakh, with an average loan-to-value of 58.3% end of December 2023.

Website BSE NSE
  • Market Cap ₹ 21,312 Cr.
  • Current Price ₹ 491
  • High / Low ₹ 548 / 340
  • Stock P/E 20.4
  • Book Value ₹ 159
  • Dividend Yield 0.00 %
  • ROCE 11.4 %
  • ROE 16.9 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has delivered good profit growth of 36.6% CAGR over last 5 years

Cons

  • Stock is trading at 3.09 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Housing Finance Company

Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Allcap BSE Financial Services

Edit Columns
Loading peers table ...

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
555 593 629 673 692 713 764 798 833 848 897 943
Interest 213 235 239 251 262 277 285 297 315 332 342 348
133 166 132 156 166 173 180 187 197 207 208 214
Financing Profit 209 192 258 266 264 263 299 314 321 309 348 382
Financing Margin % 38% 32% 41% 40% 38% 37% 39% 39% 39% 36% 39% 40%
-25 0 0 0 0 0 0 0 1 3 2 -15
Depreciation 4 5 5 5 6 6 6 6 6 7 7 7
Profit before tax 180 187 253 261 259 257 292 308 316 305 343 360
Tax % 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22%
141 146 197 204 202 200 228 239 245 237 266 281
EPS in Rs 3.56 3.71 5.00 5.17 5.11 4.69 5.29 5.56 5.68 5.49 6.15 6.48
Gross NPA % 1.46% 1.40% 1.40% 1.10% 1.31% 1.30% 1.36% 1.05% 1.34% 1.40%
Net NPA % 1.10% 0.90% 0.97% 0.70% 0.90% 0.90% 0.95% 0.70%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
1,266 1,388 1,575 1,728 2,043 2,587 3,108 3,521
Interest 732 793 816 761 799 987 1,174 1,336
276 350 316 387 507 619 736 825
Financing Profit 258 245 444 580 737 981 1,197 1,360
Financing Margin % 20% 18% 28% 34% 36% 38% 39% 39%
-14 -2 -0 0 -25 -0 1 -8
Depreciation 9 12 11 13 16 21 25 28
Profit before tax 235 231 433 567 696 960 1,173 1,324
Tax % 31% 18% 21% 22% 22% 22% 22%
162 189 340 445 545 750 912 1,030
EPS in Rs 64.37 47.99 8.62 11.27 13.80 18.99 21.14 23.80
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 22%
TTM: 19%
Compounded Profit Growth
10 Years: %
5 Years: 37%
3 Years: 27%
TTM: 20%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 23%
Return on Equity
10 Years: %
5 Years: 16%
3 Years: 17%
Last Year: 17%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 25 39 395 395 395 395 431 433
Reserves 834 2,308 2,298 2,752 3,303 4,055 5,941 6,461
Borrowing 8,195 9,643 10,374 10,675 12,153 13,960 16,322 17,606
426 376 563 554 766 683 529 584
Total Liabilities 9,480 12,366 13,630 14,376 16,618 19,093 23,224 25,083
42 44 53 55 63 80 92 105
CWIP 0 0 0 0 0 0 0 0
Investments 150 24 497 338 459 462 513 489
9,289 12,298 13,080 13,982 16,095 18,551 22,618 24,489
Total Assets 9,480 12,366 13,630 14,376 16,618 19,093 23,224 25,083

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-2,554 -1,785 -1,202 -907 -1,156 -2,550 -3,027
-49 -1,495 -480 823 -477 723 160
3,356 3,701 701 275 1,463 1,778 3,389
Net Cash Flow 754 422 -981 191 -169 -49 522

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
76.48% 75.89% 75.74% 75.61% 75.50% 75.32% 75.19%
4.18% 4.32% 4.30% 5.32% 5.58% 6.11% 6.19%
8.50% 9.46% 9.27% 8.58% 8.43% 8.25% 8.45%
10.86% 10.33% 10.69% 10.51% 10.48% 10.33% 10.17%
No. of Shareholders 2,39,6962,20,3382,19,6262,09,3692,02,7391,97,8941,94,143

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls