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

₹ 456 2.70%
30 Jun 4:01 p.m.
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 ₹ 19,711 Cr.
  • Current Price ₹ 456
  • High / Low ₹ 517 / 340
  • Stock P/E 21.6
  • Book Value ₹ 148
  • Dividend Yield 0.00 %
  • ROCE 11.4 %
  • ROE 16.8 %
  • Face Value ₹ 10.0
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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 has low interest coverage ratio.
  • Promoters have pledged 67.4% of their holding.

* 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 BSE SmallCap Nifty Smallcap 100 BSE Allcap

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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
555 593 629 673 692 713 764 798 833
Interest 213 235 239 251 262 277 285 297 315
133 166 132 156 166 173 180 187 197
Financing Profit 209 192 258 266 264 263 299 314 321
Financing Margin % 38% 32% 41% 40% 38% 37% 39% 39% 39%
-25 0 0 0 0 0 0 0 1
Depreciation 4 5 5 5 6 6 6 6 6
Profit before tax 180 187 253 261 259 257 292 308 316
Tax % 22% 22% 22% 22% 22% 22% 22% 22% 22%
141 146 197 204 202 200 228 239 245
EPS in Rs 3.56 3.71 5.00 5.17 5.11 4.69 5.29 5.56 5.68
Gross NPA % 1.46% 1.40% 1.40% 1.10% 1.31% 1.30% 1.36% 1.05%
Net NPA % 1.10% 0.90% 0.97% 0.70% 0.90% 0.90% 0.95% 0.70%
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,266 1,388 1,575 1,728 2,043 2,587 3,108
Interest 732 793 816 761 799 987 1,174
276 350 316 387 507 619 737
Financing Profit 258 245 444 580 737 981 1,197
Financing Margin % 20% 18% 28% 34% 36% 38% 39%
-14 -2 -0 0 -25 -0 1
Depreciation 9 12 11 13 16 21 25
Profit before tax 235 231 433 567 696 960 1,173
Tax % 31% 18% 21% 22% 22% 22% 22%
162 189 340 445 545 750 912
EPS in Rs 64.37 47.99 8.62 11.27 13.80 18.99 21.14
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 22%
TTM: 20%
Compounded Profit Growth
10 Years: %
5 Years: 37%
3 Years: 27%
TTM: 22%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 11%
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
Equity Capital 25 39 395 395 395 395 431
Reserves 834 2,308 2,298 2,752 3,303 4,055 5,941
Borrowing 8,195 9,643 10,374 10,675 12,153 13,960 16,322
426 376 563 554 766 683 529
Total Liabilities 9,480 12,366 13,630 14,376 16,618 19,093 23,224
42 44 53 55 63 80 92
CWIP 0 0 0 0 0 0 0
Investments 150 24 497 338 459 462 513
9,289 12,298 13,080 13,982 16,095 18,551 22,619
Total Assets 9,480 12,366 13,630 14,376 16,618 19,093 23,224

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 -1,780 -907 -1,156 -2,429 -3,027
-49 -1,495 -480 823 -477 602 160
3,356 3,701 1,279 275 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 % 12% 14% 15% 16% 18% 17%

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025
76.48% 75.89% 75.74% 75.61%
4.18% 4.32% 4.30% 5.32%
8.50% 9.46% 9.27% 8.58%
10.86% 10.33% 10.69% 10.51%
No. of Shareholders 2,39,6962,20,3382,19,6262,09,369

* 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.

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