Aadhar Housing Finance Ltd (AADHARHFC) AI Stock Analysis

• Market Cap: ₹212.12B
• Dividend Yield: N/A
• Average Volume (3M): 26.91K
• Price to Earnings (P/E): 21.7
• Beta (1Y): 0.81
• 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: 433,787,100
• 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: Strong Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: ₹514.00 ▲(3.36% Upside)

Aadhar Housing Finance Ltd's strong financial performance is offset by technical indicators suggesting bearish momentum and potential liquidity issues. The stock's moderate valuation provides some support, but the lack of dividend yield and negative cash flows are concerns.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective product adoption, supporting long-term business sustainability.

Profit Margins

Strong profit margins reflect efficient operations and cost management, enhancing the company's ability to generate sustainable profits.

Return on Equity

High return on equity demonstrates effective capital utilization, which is crucial for long-term shareholder value creation.

Negative Factors

High Debt-to-Equity Ratio

A high debt-to-equity ratio can limit financial flexibility and increase risk, potentially impacting long-term financial stability.

Negative Cash Flows

Negative cash flows suggest liquidity challenges, which could hinder the company's ability to sustain operations and invest in growth.

Cash Flow Conversion

Inefficient cash conversion can strain liquidity and limit the company's ability to fund operations and growth initiatives.

Aadhar Housing Finance Ltd Business Overview & Revenue Model

Company Description

Aadhar Housing Finance Ltd (AADHARHFC) is a leading housing finance company in India, primarily focused on providing affordable housing finance solutions to low and middle-income households. The company operates in the financial services sector, specializing in home loans, construction finance, and loan against property. Aadhar Housing Finance is committed to improving access to housing for underserved segments of the population, contributing to the government's initiative of 'Housing for All'.

How the Company Makes Money

Aadhar Housing Finance Ltd generates revenue primarily through interest income from home loans and other financing products. The company disburses loans to individuals for purchasing, constructing, or renovating residential properties, charging interest on the principal amount. Additionally, AadharHFC earns fees from processing loans, which include administrative charges and penalties for late payments. The company may also engage in securitization of its loan portfolio, selling off portions of its loans to investors, thereby generating upfront capital. Strategic partnerships with various banks and financial institutions further enhance its funding capabilities, allowing AadharHFC to maintain a competitive interest rate structure while managing risk effectively. Overall, its focus on affordable housing finance positions it well within the growing demand for housing in India.

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: Positive
• Last Price: 497.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• 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 Positive. The current price of 497.3 is above the 20-day moving average (MA) of 485.98, below the 50-day MA of 499.52, and above the 200-day MA of 474.30, indicating a neutral trend. The MACD of -3.94 indicates Negative momentum. The RSI at 48.45 is Neutral, neither overbought nor oversold. The STOCH value of 69.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	₹121.40B	13.18	―	1.32%	8.92%	12.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IIFL	66 Neutral	₹247.07B	28.48	―	―	8.01%	-20.87%
RBLBANK	65 Neutral	₹189.75B	34.66	―	0.32%	6.67%	-54.96%
AADHARHFC	63 Neutral	₹212.12B	21.72	―	―	―	―
MANAPPURAM	49 Neutral	₹243.52B	54.22	―	0.87%	-3.68%	-80.12%
IFCI	45 Neutral	₹131.24B	34.56	―	―	-12.62%	175.71%