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

₹ 475 0.16%
22 May - 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 ₹ 20,637 Cr.
  • Current Price ₹ 475
  • High / Low ₹ 548 / 411
  • Stock P/E 18.6
  • Book Value ₹ 173
  • Dividend Yield 0.00 %
  • ROCE 11.4 %
  • ROE 15.9 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 26.6% CAGR over last 5 years

Cons

  • Stock is trading at 2.75 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -10.3%

* 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 Financial Services BSE 250 SmallCap Index BSE 400 MidSmallCap Index

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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 Jun 2025 Sep 2025 Dec 2025 Mar 2026
555 593 629 673 692 713 764 798 833 848 897 943 985
Interest 213 235 239 251 262 277 285 297 315 332 342 348 343
133 166 132 156 166 173 180 187 197 207 208 214 240
Financing Profit 209 192 258 266 264 263 299 314 321 309 348 382 401
Financing Margin % 38% 32% 41% 40% 38% 37% 39% 39% 39% 36% 39% 40% 41%
-25 0 0 0 0 0 0 0 1 3 2 -15 8
Depreciation 4 5 5 5 6 6 6 6 6 7 7 7 11
Profit before tax 180 187 253 261 259 257 292 308 316 305 343 360 398
Tax % 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22% 22%
141 146 197 204 202 200 228 239 245 237 266 281 311
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 7.14
Gross NPA % 1.46% 1.40% 1.40% 1.10% 1.31% 1.30% 1.36% 1.05% 1.34% 1.40% 1.38% 1.08%
Net NPA % 1.10% 0.90% 0.97% 0.70% 0.90% 0.90% 0.95% 0.70% 1.01% 0.80%
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 Mar 2026
1,266 1,388 1,575 1,728 2,043 2,587 3,108 3,673
Interest 732 793 816 761 799 987 1,174 1,364
276 350 316 387 507 619 736 869
Financing Profit 258 245 444 580 737 981 1,197 1,440
Financing Margin % 20% 18% 28% 34% 36% 38% 39% 39%
-14 -2 -0 0 -25 -0 1 -2
Depreciation 9 12 11 13 16 21 25 32
Profit before tax 235 231 433 567 696 960 1,173 1,406
Tax % 31% 18% 21% 22% 22% 22% 22% 22%
162 189 340 445 545 750 912 1,096
EPS in Rs 64.37 47.99 8.62 11.27 13.80 18.99 21.14 25.15
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 22%
TTM: 18%
Compounded Profit Growth
10 Years: %
5 Years: 27%
3 Years: 25%
TTM: 22%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 9%
Return on Equity
10 Years: %
5 Years: 17%
3 Years: 17%
Last Year: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 25 39 395 395 395 395 431 436
Reserves 834 2,308 2,298 2,752 3,303 4,055 5,941 7,105
Borrowing 8,195 9,643 10,374 10,675 12,153 13,960 16,322 18,744
426 376 563 554 766 683 529 1,114
Total Liabilities 9,480 12,366 13,630 14,376 16,618 19,093 23,224 27,399
42 44 53 55 63 80 92 138
CWIP 0 0 0 0 0 0 0 0
Investments 150 24 497 338 459 462 513 637
9,289 12,298 13,080 13,982 16,095 18,551 22,618 26,624
Total Assets 9,480 12,366 13,630 14,376 16,618 19,093 23,224 27,399

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2,554 -1,785 -1,202 -907 -1,156 -2,550 -3,027 -2,808
-49 -1,495 -480 823 -477 723 160 309
3,356 3,701 701 275 1,463 1,778 3,389 2,336
Net Cash Flow 754 422 -981 191 -169 -49 522 -164
Free Cash Flow -2,562 -1,788 -1,207 -918 -1,166 -2,565 -3,041 -2,827
CFO/OP -250% -165% -88% -59% -66% -118% -117% -89%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 20% 12% 14% 15% 16% 18% 17% 16%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Million

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Disbursements
INR Million
Number of Branches
Absolute Number
Average Ticket Size (ATS)
INR Million
Gross NPA
Percentage (%)
Yield (Exit)
Percentage (%)
Collection Efficiency
Percentage (%)

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
76.48% 75.89% 75.74% 75.61% 75.50% 75.32% 75.19% 64.90%
4.18% 4.32% 4.30% 5.32% 5.58% 6.11% 6.19% 6.13%
8.50% 9.46% 9.27% 8.58% 8.43% 8.25% 8.45% 9.15%
10.86% 10.33% 10.69% 10.51% 10.48% 10.33% 10.17% 19.83%
No. of Shareholders 2,39,6962,20,3382,19,6262,09,3692,02,7391,97,8941,94,1431,84,772

* 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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Documents

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