Ratios	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	―	2.00	1.60	1.20
Quick Ratio	―	2.00	1.60	1.20
Cash Ratio	―	0.34	0.14	0.13
Solvency Ratio	―	0.06	0.05	0.04
Operating Cash Flow Ratio	―	-1.17	-1.01	-0.38
Short-Term Operating Cash Flow Coverage	―	-1.41	-1.36	-0.50
Net Current Asset Value	₹ ―	₹ -116.63B	₹ -106.08B	₹ -92.84B
Leverage Ratios
Debt-to-Assets Ratio	―	0.70	0.73	0.73
Debt-to-Equity Ratio	―	2.56	3.14	3.29
Debt-to-Capital Ratio	―	0.72	0.76	0.77
Long-Term Debt-to-Capital Ratio	―	0.69	0.73	0.73
Financial Leverage Ratio	―	3.64	4.29	4.49
Debt Service Coverage Ratio	―	0.63	0.61	0.44
Interest Coverage Ratio	―	1.84	1.81	1.80
Debt to Market Cap	―	0.91	0.99	0.86
Interest Debt Per Share	―	410.91	350.04	303.24
Net Debt to EBITDA	―	6.55	6.97	7.85
Profitability Margins
Gross Profit Margin	―	85.28%	84.98%	84.70%
EBIT Margin	―	82.23%	82.03%	78.65%
EBITDA Margin	―	83.12%	82.92%	79.52%
Operating Profit Margin	―	75.15%	74.55%	74.78%
Pretax Profit Margin	―	41.38%	40.76%	36.99%
Net Profit Margin	―	32.16%	31.84%	28.96%
Continuous Operations Profit Margin	―	32.16%	31.84%	28.96%
Net Income Per EBT	―	77.72%	78.12%	78.29%
EBT Per EBIT	―	55.07%	54.67%	49.46%
Return on Assets (ROA)	―	3.93%	3.93%	3.28%
Return on Equity (ROE)	―	14.31%	16.85%	14.73%
Return on Capital Employed (ROCE)	―	10.32%	10.59%	10.35%
Return on Invested Capital (ROIC)	―	7.27%	7.43%	6.93%
Return on Tangible Assets	―	3.93%	3.93%	3.28%
Earnings Yield	―	5.06%	5.33%	3.88%
Efficiency Ratios
Receivables Turnover	―	0.84	0.86	1.01
Payables Turnover	―	3.31	3.26	3.58
Inventory Turnover	―	0.00	0.00	0.00
Fixed Asset Turnover	―	32.58	31.50	29.84
Asset Turnover	―	0.12	0.12	0.11
Working Capital Turnover Ratio	―	1.38	2.21	1.86
Cash Conversion Cycle	―	325.49	313.31	260.14
Days of Sales Outstanding	―	435.61	425.42	362.21
Days of Inventory Outstanding	―	0.00	0.00	0.00
Days of Payables Outstanding	―	110.12	112.11	102.07
Operating Cycle	―	435.61	425.42	362.21
Cash Flow Ratios
Operating Cash Flow Per Share	―	-71.15	-59.79	-27.10
Free Cash Flow Per Share	―	-71.50	-60.15	-27.34
CapEx Per Share	―	0.35	0.36	0.24
Free Cash Flow to Operating Cash Flow	―	1.00	1.01	1.01
Dividend Paid and CapEx Coverage Ratio	―	-204.50	-165.16	-110.70
Capital Expenditure Coverage Ratio	―	-204.50	-165.16	-110.70
Operating Cash Flow Coverage Ratio	―	-0.19	-0.18	-0.10
Operating Cash Flow to Sales Ratio	―	-1.07	-1.08	-0.61
Free Cash Flow Yield	―	-16.89%	-18.26%	-8.30%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	―	19.75	18.74	25.79
Price-to-Sales (P/S) Ratio	―	6.35	5.97	7.47
Price-to-Book (P/B) Ratio	―	2.83	3.16	3.80
Price-to-Free Cash Flow (P/FCF) Ratio	―	-5.92	-5.48	-12.05
Price-to-Operating Cash Flow Ratio	―	-5.95	-5.51	-12.16
Price-to-Earnings Growth (PEG) Ratio	―	0.90	0.50	1.15
Price-to-Fair Value	―	2.83	3.16	3.80
Enterprise Value Multiple	―	14.19	14.17	17.25
Enterprise Value	―	334.50B	276.54B	257.97B
EV to EBITDA	―	14.19	14.17	17.25
EV to Sales	―	11.80	11.75	13.71
EV to Free Cash Flow	―	-11.00	-10.78	-22.12
EV to Operating Cash Flow	―	-11.05	-10.84	-22.32
Tangible Book Value Per Share	―	149.68	104.21	86.69
Shareholders’ Equity Per Share	―	149.80	104.33	86.69
Tax and Other Ratios
Effective Tax Rate	―	0.22	0.22	0.22
Revenue Per Share	―	66.65	55.20	44.10
Net Income Per Share	―	21.44	17.58	12.77
Tax Burden	―	0.78	0.78	0.78
Interest Burden	―	0.50	0.50	0.47
Research & Development to Revenue	―	0.00	0.00	0.00
SG&A to Revenue	―	0.01	0.02	0.02
Stock-Based Compensation to Revenue	―	<0.01	<0.01	<0.01
Income Quality	―	-2.58	-2.66	-1.66

Aadhar Housing Finance Ltd (AADHARHFC) Ratios

Aadhar Housing Finance Ltd Ratios