Aadhar Housing Finance Ltd (IN:AADHARHFC)
:AADHARHFC
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Aadhar Housing Finance Ltd
(AADHARHFC)
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Rating:58Neutral
Price Target:
₹502.00
▲(5.04% Upside)
Action:N/ADate:12/11/25
The overall score of 58 for Aadhar Housing Finance Ltd is primarily driven by mixed financial performance, with strong revenue growth and profitability offset by high leverage and negative cash flows. Technical indicators reflect bearish momentum, further weighing on the score, while a reasonable P/E ratio provides some support. Investors should monitor debt management and cash flow trends closely.
Positive Factors
Revenue Growth
The 20.43% revenue growth indicates robust business expansion, enhancing the company's market position and supporting long-term sustainability.
Negative Factors
High Debt Levels
High debt levels pose a risk to financial stability, potentially limiting flexibility and increasing vulnerability to interest rate fluctuations.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The 20.43% revenue growth indicates robust business expansion, enhancing the company's market position and supporting long-term sustainability.
Read all positive factors
Aadhar Housing Finance Ltd (AADHARHFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹205.54B
Dividend YieldN/A
Average Volume (3M)26.91K
Price to Earnings (P/E)18.7
Beta (1Y)0.74
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees4,583
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)6.40
Shares Outstanding435,703,700
10 Day Avg. Volume15,268
30 Day Avg. Volume26,909
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)2.83
Price to Sales (P/S)6.35
P/FCF Ratio-5.92
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹600.00Price Target Upside25.55% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)30.7
Revenue Forecast (FY)₹27.64B
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 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 ser...
Aadhar Housing Finance Ltd Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
60
Neutral
Cash Flow
40
Negative
| 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
Negative
477.90
Price Trends
466.97
Negative
476.65
Negative
487.49
Negative
Market Momentum
-5.07
Positive
47.32
Neutral
36.39
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 463.46, above the 50-day MA of 466.97, and below the 200-day MA of 487.49, indicating a bearish trend. The MACD of -5.07 indicates Positive momentum. The RSI at 47.32 is Neutral, neither overbought nor oversold. The STOCH value of 36.39 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹111.22B | 11.69 | ― | 1.37% | 8.92% | 12.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₹190.25B | 13.98 | ― | ― | 8.01% | -20.87% | |
58 Neutral | ₹205.54B | 18.67 | ― | ― | ― | ― | |
58 Neutral | ₹199.37B | 21.28 | ― | 0.33% | 6.67% | -54.96% | |
55 Neutral | ₹149.18B | -220.42 | ― | ― | -12.62% | 175.71% | |
49 Neutral | ₹228.11B | 27.09 | ― | 0.80% | -3.68% | -80.12% |
* Financial Sector Average
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Aadhar Housing Finance Ltd
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Aadhar Housing Finance Ltd Corporate Events
Aadhar Housing Finance Releases Q3 2025 Financial Results
Nov 9, 2025
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 Navs...
Aadhar Housing Finance Releases Q3 2025 Earnings Call Recording
Nov 7, 2025
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, pr...
Aadhar Housing Finance Enhances Shareholder Communication
Oct 13, 2025
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...
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.