WEBSITE BSE:544176 NSE: AADHARHFC Inc. Year: 1990 Industry: Finance - Housing
Last updated: 15:59
Established in 2010, Aadhar Housing Finance Limited is committed to offering affordable housing finance to India's lower and middle-income groups. With a vision of enabling every Indian to own a home, it has already helped several families realize their homeownership dreams. Key stakeholders, such as the Blackstone Group, have been pivotal in advancing the firm's goal of providing attainable housing finance options.It has successfully served over 246,983 satisfied customers with loans for residential and commercial properties, as well as ...Read More
Established in 2010, Aadhar Housing Finance Limited is committed to offering affordable housing finance to India's lower and middle-income groups. With a vision of enabling every Indian to own a home, it has already helped several families realize their homeownership dreams. Key stakeholders, such as the Blackstone Group, have been pivotal in advancing the firm's goal of providing attainable housing finance options.It has successfully served over 246,983 satisfied customers with loans for residential and commercial properties, as well as for construction and renovation purposes. The promoters, including the Blackstone Group, have significantly contributed to the company's objective of delivering accessible housing finance solutions. ...Read Less
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Market Cap ₹20523 Cr.
Stock P/E 22.5
P/B 3
Current Price ₹473.1
Book Value ₹ 158.9
Face Value 10
52W High ₹547.8
Dividend Yield 0%
52W Low ₹ 340.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 |
| Total Income | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 834 | 851 | 899 |
| Total Expenditure | 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 |
| Operating Profit | 428 | 497 | 517 | 526 | 540 | 584 | 611 | 637 | 644 | 692 |
| Interest Expense | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 |
| Depreciation | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 7 |
| Profit Before Tax | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 |
| Provision for Tax | 41 | 56 | 56 | 57 | 57 | 65 | 68 | 71 | 68 | 76 |
| Profit After Tax | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 |
| Adjusted Earnings Per Share | 3.7 | 5 | 5.2 | 5.1 | 4.7 | 5.3 | 5.6 | 5.7 | 5.5 | 6.2 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 815 | 1264 | 1388 | 1575 | 1728 | 2043 | 2587 | 3108 | 3376 |
| Other Income | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 1 | 6 |
| Total Income | 815 | 1264 | 1389 | 1576 | 1729 | 2044 | 2587 | 3109 | 3382 |
| Total Expenditure | 188 | 278 | 353 | 316 | 387 | 507 | 620 | 737 | 799 |
| Operating Profit | 628 | 985 | 1036 | 1260 | 1342 | 1537 | 1967 | 2372 | 2584 |
| Interest Expense | 462 | 731 | 793 | 816 | 761 | 799 | 987 | 1174 | 1286 |
| Depreciation | 4 | 5 | 12 | 11 | 13 | 16 | 21 | 25 | 26 |
| Profit Before Tax | 162 | 236 | 231 | 433 | 567 | 696 | 960 | 1173 | 1272 |
| Provision for Tax | 47 | 73 | 42 | 92 | 123 | 151 | 210 | 261 | 283 |
| Profit After Tax | 115 | 162 | 189 | 340 | 445 | 545 | 750 | 912 | 987 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 115 | 162 | 189 | 340 | 445 | 545 | 750 | 912 | 987 |
| Adjusted Earnings Per Share | 4.6 | 6.5 | 4.8 | 8.6 | 11.3 | 13.8 | 19 | 21.1 | 23 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 20% | 22% | 17% | 0% |
| Operating Profit CAGR | 21% | 21% | 18% | 0% |
| PAT CAGR | 22% | 27% | 37% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 20% | NA% | NA% | NA% |
| ROE Average | 17% | 17% | 16% | 16% |
| ROCE Average | 11% | 11% | 11% | 10% |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 718 | 860 | 2347 | 2693 | 3147 | 3698 | 4450 | 6372 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 6033 | 8192 | 9643 | 10374 | 10600 | 12153 | 12018 | 14120 |
| Current Liability | 1010 | 368 | 347 | 533 | 600 | 740 | 2081 | 2362 |
| Other Liabilities & Provisions | 25 | 42 | 28 | 30 | 29 | 27 | 545 | 369 |
| Total Liabilities | 7787 | 9462 | 12366 | 13630 | 14376 | 16618 | 19093 | 23224 |
| Loans | 7273 | 8026 | 8909 | 10613 | 11960 | 13851 | 16903 | 20484 |
| Investments | 10 | 24 | 24 | 24 | 196 | 458 | 456 | 507 |
| Fixed Assets | 19 | 24 | 44 | 53 | 55 | 63 | 80 | 92 |
| Other Loans | 12 | 26 | 51 | 57 | 42 | 33 | 0 | 0 |
| Other Non Current Assets | 3 | 2 | 2 | 25 | 24 | 32 | 343 | 310 |
| Current Assets | 459 | 1354 | 3336 | 2856 | 2095 | 2177 | 1311 | 1830 |
| Total Assets | 7787 | 9462 | 12366 | 13630 | 14376 | 16618 | 19093 | 23224 |
| #(Fig in Cr.) | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 259 | 189 | 943 | 1365 | 384 | 574 | 405 | 356 |
| Cash Flow from Operating Activities | -2564 | -2557 | -1785 | -1202 | -907 | -1156 | -2550 | -3027 |
| Cash Flow from Investing Activities | -11 | -49 | -1495 | -480 | 823 | -477 | 723 | 160 |
| Cash Flow from Financing Activities | 2505 | 3360 | 3701 | 701 | 275 | 1463 | 1778 | 3389 |
| Net Cash Inflow / Outflow | -70 | 754 | 422 | -981 | 191 | -169 | -49 | 522 |
| Closing Cash & Cash Equivalent | 189 | 943 | 1365 | 384 | 574 | 405 | 356 | 878 |
| # | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 4.56 | 6.46 | 4.8 | 8.62 | 11.27 | 13.8 | 18.99 | 21.14 |
| CEPS(Rs) | 4.71 | 6.67 | 5.09 | 8.9 | 11.6 | 14.22 | 19.52 | 21.72 |
| DPS(Rs) | 0.31 | 0.7 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 28.56 | 34.16 | 59.46 | 68.03 | 79.33 | 93.15 | 112.15 | 147.1 |
| Net Profit Margin | 14.07 | 12.85 | 13.65 | 21.59 | 25.74 | 26.66 | 28.98 | 29.34 |
| Operating Margin | 76.55 | 76.45 | 73.82 | 79.25 | 76.87 | 73.17 | 75.24 | 75.52 |
| PBT Margin | 19.83 | 18.65 | 16.64 | 27.46 | 32.83 | 34.05 | 37.1 | 37.75 |
| ROA(%) | 1.47 | 1.88 | 1.74 | 2.62 | 3.18 | 3.52 | 4.2 | 4.31 |
| ROE(%) | 15.97 | 20.59 | 11.82 | 13.52 | 15.29 | 16 | 18.5 | 16.93 |
| ROCE(%) | 8.79 | 11.89 | 9.69 | 9.96 | 9.88 | 10.08 | 11.38 | 11.45 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20.05 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.88 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 7.61 | 5.74 | 4.71 | 5.46 | 5.42 | 5.2 | 5.11 | 10.6 |
| EV/Core EBITDA(x) | 9.89 | 7.37 | 6.31 | 6.83 | 6.98 | 6.92 | 6.72 | 13.89 |
| Interest Earned Growth(%) | 0 | 55.06 | 9.8 | 13.52 | 9.71 | 18.22 | 26.6 | 20.13 |
| Net Profit Growth | 0 | 41.55 | 16.63 | 79.6 | 30.79 | 22.46 | 37.61 | 21.64 |
| EPS Growth(%) | 0 | 41.55 | -25.66 | 79.53 | 30.79 | 22.46 | 37.61 | 11.31 |
| Interest Coverage(x) % | 1.35 | 1.32 | 1.29 | 1.53 | 1.75 | 1.87 | 1.97 | 2 |
| # | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Promoter | 76.48 | 75.89 | 75.74 | 75.61 | 75.5 | 75.32 | 75.19 |
| FII | 4.17 | 4.33 | 4.3 | 5.32 | 5.58 | 6.1 | 6.18 |
| DII | 8.5 | 9.46 | 9.27 | 8.57 | 8.44 | 8.25 | 8.45 |
| Public | 10.85 | 10.33 | 10.69 | 10.5 | 10.48 | 10.33 | 10.17 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Promoter | 32.62 | 32.62 | 32.62 | 32.62 | 32.62 | 32.62 | 32.62 |
| FII | 1.78 | 1.86 | 1.85 | 2.29 | 2.41 | 2.64 | 2.68 |
| DII | 3.62 | 4.07 | 3.99 | 3.7 | 3.65 | 3.57 | 3.67 |
| Public | 4.63 | 4.44 | 4.6 | 4.53 | 4.53 | 4.48 | 4.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 42.65 | 42.98 | 43.07 | 43.14 | 43.21 | 43.31 | 43.38 |
* The pros and cons are machine generated.
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