Aadhar Housing Finance Ltd (IN:AADHARHFC)
:AADHARHFC
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Aadhar Housing Finance Ltd
(AADHARHFC)
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Rating:64Neutral
Price Target:
₹537.00
▲(12.37% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by solid reported earnings power and multi-year growth, tempered by elevated leverage and historically inconsistent cash-flow generation. Technicals add modest support with the stock trading above major moving averages and neutral-to-positive momentum. Valuation is moderate (P/E ~17.8), with no dividend data to add income support.
Positive Factors
Multi-year revenue and net income growth
Consistent multi-year top-line and bottom-line expansion shows durable demand for its retail housing loans and effective scale-up of the lending franchise. Growing revenues and net income provide structural earnings power to fund branch growth and sustain loan origination over 2–6 months and beyond.
Negative Factors
Elevated leverage (high debt-to-equity)
Materially high leverage increases sensitivity to rising funding costs or liquidity shocks and limits financial flexibility. For a mortgage lender, elevated debt-to-equity ratios raise refinancing and interest-expense risk, constraining capital actions and making earnings more cyclical over medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue and net income growth
Consistent multi-year top-line and bottom-line expansion shows durable demand for its retail housing loans and effective scale-up of the lending franchise. Growing revenues and net income provide structural earnings power to fund branch growth and sustain loan origination over 2–6 months and beyond.
Read all positive factors
Aadhar Housing Finance Ltd (AADHARHFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹201.73B
Dividend YieldN/A
Average Volume (3M)26.91K
Price to Earnings (P/E)15.7
Beta (1Y)0.87
Revenue Growth18.59%
EPS Growth19.15%
CountryIN
Employees4,583
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)11.88
Shares Outstanding435,703,700
10 Day Avg. Volume15,268
30 Day Avg. Volume26,909
Financial Highlights & Ratios
PEG Ratio0.98
Price to Book (P/B)2.58
Price to Sales (P/S)5.28
P/FCF Ratio11.79
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)30.93
Revenue Forecast (FY)₹27.49B
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 proper...
How the Company Makes Money
Aadhar Housing Finance Ltd primarily makes money through net interest income generated from its housing loan portfolio. The company borrows funds (for example, via bank borrowings, market instruments, or other funding sources typical for housing f...
Aadhar Housing Finance Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
61
Positive
Cash Flow
49
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 15.43B | 36.87B | 28.35B | 23.54B | 18.81B | 16.12B |
| Gross Profit | 18.46B | 36.87B | 24.18B | 20.01B | 15.93B | 13.94B |
| EBITDA | 18.76B | 14.06B | 23.57B | 19.52B | 14.96B | 13.19B |
| Net Income | 5.11B | 10.96B | 9.12B | 7.50B | 5.45B | 4.45B |
Balance Sheet | ||||||
| Total Assets | 250.83B | 273.99B | 232.24B | 190.93B | 166.18B | 143.76B |
| Cash, Cash Equivalents and Short-Term Investments | 17.87B | 12.15B | 17.67B | 12.02B | 17.18B | 18.38B |
| Total Debt | 175.45B | 187.43B | 163.22B | 139.58B | 121.50B | 106.67B |
| Total Liabilities | 181.89B | 198.58B | 168.52B | 146.43B | 129.20B | 112.29B |
| Stockholders Equity | 68.94B | 75.41B | 63.72B | 44.50B | 36.98B | 31.47B |
Cash Flow | ||||||
| Free Cash Flow | -26.18B | 16.52B | -30.41B | -25.66B | -11.66B | -9.19B |
| Operating Cash Flow | -26.03B | 16.71B | -30.27B | -25.50B | -11.56B | -9.07B |
| Investing Cash Flow | -127.50M | -41.70B | 1.60B | 7.23B | -4.77B | 8.23B |
| Financing Cash Flow | 24.09B | 23.36B | 33.89B | 17.78B | 14.63B | 2.75B |
Aadhar Housing Finance Ltd Technical Analysis
Negative
477.90
Price Trends
476.14
Negative
476.30
Negative
490.76
Negative
Market Momentum
-1.36
Positive
44.83
Neutral
19.42
Positive
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 489.60, above the 50-day MA of 476.14, and below the 200-day MA of 490.76, indicating a bearish trend. The MACD of -1.36 indicates Positive momentum. The RSI at 44.83 is Neutral, neither overbought nor oversold. The STOCH value of 19.42 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹112.27B | 7.63 | ― | 1.37% | 8.73% | 26.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₹201.73B | 15.71 | ― | ― | 18.59% | 19.15% | |
61 Neutral | ₹201.33B | 18.29 | ― | 0.33% | 3.62% | 21.30% | |
59 Neutral | ₹167.48B | 239.40 | ― | ― | 3.40% | 6.97% | |
58 Neutral | ₹193.70B | 7.80 | ― | ― | 34.64% | 316.68% | |
54 Neutral | ₹258.84B | 21.42 | ― | 0.80% | -5.36% | -17.52% |
* Financial Sector Average
IN:AADHARHFC
Aadhar Housing Finance Ltd
472.95
32.15
7.29%
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Aadhar Housing Finance Ltd Corporate Events
Aadhar Housing Finance Affirms No Deviation in Use of Debt and Equity Issue Proceeds
May 5, 2026
Aadhar Housing Finance Ltd reported that proceeds from its listed non-convertible debentures raised up to the quarter ended March 31, 2026 have been fully utilized for their stated purposes, with no deviations or variations from the objects outlin...
Aadhar Housing Finance posts strong FY26 growth with robust asset quality
May 5, 2026
Aadhar Housing Finance reported strong growth for the year ended March 31, 2026, with assets under management rising 20% year-on-year to ₹30,571 crore and disbursements up 17% to ₹9,556 crore. The lender now serves more than 336,000 lo...
Aadhar Housing Finance Grants Over 4.3 Lakh Employee Stock Options Under ESOP 2025
Apr 27, 2026
Aadhar Housing Finance has approved the grant of 431,350 employee stock options under its Employee Stock Option Plan 2025, following the recommendation of its Nomination and Remuneration Committee and in compliance with listing regulations. The op...
Aadhar Housing Finance sets May 5 earnings call with investors
Apr 23, 2026
Aadhar Housing Finance Ltd, a specialist in affordable housing finance, will hold a virtual conference call with analysts and investors to discuss its financial statements for the year ended 31 March 2026. The call, organised with JM Financial Ins...
Aadhar Housing Finance Expands Equity Base via ESOP Share Allotment
Feb 23, 2026
Aadhar Housing Finance Ltd has allotted 796,299 equity shares of ₹10 each to eligible employees who exercised stock options under its 2020 Employee Stock Option Plan. The newly issued shares will rank pari passu with existing equity shares, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.