Aadhar Housing Finance Ltd (AADHARHFC) AI Stock Analysis

• Market Cap: ₹208.10B
• Dividend Yield: N/A
• Average Volume (3M): 26.91K
• Price to Earnings (P/E): 18.7
• Beta (1Y): 0.75
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 4,583
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): 6.40
• Shares Outstanding: 434,592,620
• 10 Day Avg. Volume: 15,268
• 30 Day Avg. Volume: 26,909
• PEG Ratio: 0.90
• Price to Book (P/B): 2.83
• Price to Sales (P/S): 6.35
• P/FCF Ratio: -5.92
• 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: ₹600.00
• Price Target Upside: 25.55% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 25.46
• Revenue Forecast (FY): ₹23.02B

• Rating: 64 Neutral
• Price Target: ₹511.00 ▲(6.93% Upside)
• Action: Reiterated Date: 12/18/25
• Date: Action: Reiterated 12/18/25

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 Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties. It also provides loans against property; and other property related service. The company serves individuals, companies, corporations, societies, and association of persons. The company was formerly known as DHFL Vysya Housing Finance Limited and changed its name to Aadhar Housing Finance Limited in August 2017. The company was incorporated in 1990 and is based in Mumbai, India. Aadhar Housing Finance Limited is a subsidiary of Bcp Topco VII Pte. Ltd.

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

Aadhar Housing Finance Ltd shows strong revenue growth and profitability with high margins. However, high debt levels and negative cash flows indicate potential liquidity issues that need addressing.

Income Statement

Aadhar Housing Finance Ltd has demonstrated strong revenue growth with a 20.43% increase in the latest year, indicating robust business expansion. The company maintains high profitability with a gross profit margin of 85.28% and a net profit margin of 32.16%. EBIT and EBITDA margins are also impressive at 82.23% and 83.12%, respectively, showcasing efficient cost management. Overall, the income statement reflects a healthy financial performance with consistent growth and strong margins.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of 2.56, which is a decrease from previous years, indicating a reduction in leverage. Return on equity stands at 14.31%, reflecting decent profitability relative to shareholder equity. The equity ratio is moderate, suggesting a balanced approach to financing. While the company is reducing its leverage, the high debt levels still pose a risk that needs to be managed carefully.

Cash Flow

The cash flow statement reveals challenges with negative operating and free cash flows, indicating cash outflows from operations. The free cash flow to net income ratio is slightly above 1, suggesting that free cash flow is aligned with net income. However, the negative free cash flow growth rate of -18.55% highlights potential liquidity issues. The company needs to focus on improving cash flow generation to support its growth and reduce reliance on external financing.

Breakdown	TTM	Mar 2024	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	15.43B	28.35B	23.54B	18.81B	16.12B
Gross Profit	18.46B	24.18B	20.01B	15.93B	13.94B
EBITDA	18.76B	23.57B	19.52B	14.96B	13.19B
Net Income	5.11B	9.12B	7.50B	5.45B	4.45B
Balance Sheet
Total Assets	250.83B	232.24B	190.93B	166.18B	143.76B
Cash, Cash Equivalents and Short-Term Investments	17.87B	17.67B	12.02B	17.18B	18.38B
Total Debt	175.45B	163.22B	139.58B	121.50B	106.67B
Total Liabilities	181.89B	168.52B	146.43B	129.20B	112.29B
Stockholders Equity	68.94B	63.72B	44.50B	36.98B	31.47B
Cash Flow
Free Cash Flow	-26.18B	-30.41B	-25.66B	-11.66B	-9.19B
Operating Cash Flow	-26.03B	-30.27B	-25.50B	-11.56B	-9.07B
Investing Cash Flow	-127.50M	1.60B	7.23B	-4.77B	8.23B
Financing Cash Flow	24.09B	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 above the 20-day moving average (MA) of 466.26, above the 50-day MA of 474.04, and below the 200-day MA of 486.39, indicating a bearish trend. The MACD of -0.72 indicates Negative momentum. The RSI at 45.40 is Neutral, neither overbought nor oversold. The STOCH value of 63.57 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	₹112.10B	11.69	―	1.37%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AADHARHFC	64 Neutral	₹208.10B	18.67	―	―	―	―
IIFL	64 Neutral	₹201.71B	13.98	―	―	8.01%	-20.87%
RBLBANK	58 Neutral	₹182.89B	21.28	―	0.33%	6.67%	-54.96%
IFCI	55 Neutral	₹150.18B	-220.42	―	―	-12.62%	175.71%
MANAPPURAM	49 Neutral	₹212.41B	27.09	―	0.80%	-3.68%	-80.12%

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.