Aadhar Housing Finance Ltd (AADHARHFC) AI Stock Analysis

• Market Cap: ₹206.83B
• Dividend Yield: N/A
• Average Volume (3M): 26.91K
• Price to Earnings (P/E): 20.8
• Beta (1Y): 0.85
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 4,583
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 6.20
• Shares Outstanding: 433,796,330
• 10 Day Avg. Volume: 15,268
• 30 Day Avg. Volume: 26,909
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: ₹511.00 ▲(6.93% Upside)

Aadhar Housing Finance Ltd demonstrates strong financial performance with robust revenue growth and profitability. However, high debt levels and negative cash flows pose significant risks. The technical indicators suggest a bearish trend, and the valuation is moderate. The absence of a dividend yield further impacts the stock's attractiveness.

Positive Factors

Revenue Growth

The 20.43% revenue growth indicates robust business expansion, enhancing the company's market position and supporting long-term sustainability.

Profitability

High profitability margins reflect efficient cost management and strong pricing power, contributing to sustainable financial health.

Leverage Reduction

Reduction in leverage indicates improved financial discipline, enhancing the company's ability to manage debt and invest in growth opportunities.

Negative Factors

High Debt Levels

High debt levels pose a risk to financial stability, potentially limiting flexibility and increasing vulnerability to interest rate fluctuations.

Negative Cash Flows

Negative cash flows indicate potential liquidity issues, necessitating improvements in cash generation to support operations and reduce external financing reliance.

Free Cash Flow Decline

Declining free cash flow growth can strain financial resources, impacting the company's ability to fund strategic initiatives and manage debt.

Aadhar Housing Finance Ltd Business Overview & Revenue Model

Company Description

Aadhar Housing Finance Ltd (AADHARHFC) is a prominent housing finance company in India, focused on providing affordable housing loans to individuals and families, particularly in the low- and middle-income segments. Established to bridge the housing finance gap, AADHARHFC offers a range of products including home loans, construction loans, and loan against property, aimed at empowering customers to achieve their dream of home ownership. The company operates primarily in the affordable housing sector, contributing to the government's initiatives for housing for all.

How the Company Makes Money

Aadhar Housing Finance Ltd generates revenue primarily through the interest earned on the housing loans it disburses to customers. The company typically charges a spread over the cost of funds to determine the interest rate on its loans, which serves as a significant source of income. Additional revenue streams include processing fees charged at the time of loan origination, as well as penalties on late repayments. AADHARHFC also engages in securitization of its loan portfolio, which allows it to raise funds by selling the loans to investors, thereby generating upfront capital. Partnerships with various financial institutions and government bodies enhance its lending capabilities and outreach, contributing to its earnings potential. The focus on affordable housing aligns with various state and central government schemes, further supporting its revenue growth.

Aadhar Housing Finance Ltd Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	28.35B	23.54B	18.81B	16.12B
Gross Profit	24.18B	20.01B	15.93B	13.94B
EBITDA	23.57B	19.52B	14.96B	13.19B
Net Income	9.12B	7.50B	5.45B	4.45B
Balance Sheet
Total Assets	232.24B	190.93B	166.18B	143.76B
Cash, Cash Equivalents and Short-Term Investments	17.67B	12.02B	17.18B	18.38B
Total Debt	163.22B	139.58B	121.50B	106.67B
Total Liabilities	168.52B	146.43B	129.20B	112.29B
Stockholders Equity	63.72B	44.50B	36.98B	31.47B
Cash Flow
Free Cash Flow	-30.41B	-25.66B	-11.66B	-9.19B
Operating Cash Flow	-30.27B	-25.50B	-11.56B	-9.07B
Investing Cash Flow	1.60B	7.23B	-4.77B	8.23B
Financing Cash Flow	33.89B	17.78B	14.63B	2.75B

Aadhar Housing Finance Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 477.90
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:AADHARHFC, the sentiment is Negative. The current price of 477.9 is below the 20-day moving average (MA) of 487.60, below the 50-day MA of 489.98, and below the 200-day MA of 482.29, indicating a bearish trend. The MACD of 0.08 indicates Negative momentum. The RSI at 41.98 is Neutral, neither overbought nor oversold. The STOCH value of 32.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:AADHARHFC.

Aadhar Housing Finance Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CANFINHOME	73 Outperform	₹118.47B	12.86	―	1.37%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IIFL	66 Neutral	₹275.95B	32.13	―	―	8.01%	-20.87%
RBLBANK	65 Neutral	₹188.76B	34.45	―	0.33%	6.67%	-54.96%
AADHARHFC	64 Neutral	₹206.83B	20.82	―	―	―	―
MANAPPURAM	49 Neutral	₹241.40B	53.75	―	0.80%	-3.68%	-80.12%
IFCI	45 Neutral	₹132.02B	34.88	―	―	-12.62%	175.71%

Aadhar Housing Finance Ltd Corporate Events

Aadhar Housing Finance Releases Q3 2025 Financial Results

Aadhar Housing Finance Limited has published its unaudited standalone and consolidated financial results for the quarter ending September 30, 2025. These results were shared through newspaper publications in Financial Express, Vishwavani, and Navshakti on November 9, 2025. This announcement is part of the company’s compliance with the Securities and Exchange Board of India’s regulations, reflecting its commitment to transparency and regulatory adherence.

Aadhar Housing Finance Releases Q3 2025 Earnings Call Recording

Aadhar Housing Finance Limited has released the audio recording of its earnings conference call for the quarter ending September 30, 2025. This call, held on November 7, 2025, discussed the company’s financial and operational performance, providing insights into its recent business activities and future outlook.

Aadhar Housing Finance Enhances Shareholder Communication

Aadhar Housing Finance Limited has announced the publication of a newspaper advertisement prior to the dispatch of a Postal Ballot Notice, informing shareholders about the process of registering or updating their email addresses. This step is part of the company’s compliance with SEBI regulations and aims to ensure effective communication with its stakeholders.