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Aadhar Housing Finance Ltd (AADHARHFC) Ratios
Aadhar Housing Finance Ltd Ratios
IN:AADHARHFC's free cash flow for Q1 2026 was $0.00. For the 2026 fiscal year, IN:AADHARHFC's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Mar 25 | Mar 24 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.27 | 1.60 | 2.00 | 1.20 | 1.72 |
| Quick Ratio | 0.27 | 1.60 | 2.00 | 1.20 | 1.72 |
| Cash Ratio | 0.16 | 0.14 | 0.34 | 0.13 | 0.29 |
| Solvency Ratio | 0.06 | 0.05 | 0.06 | 0.04 | 0.04 |
| Operating Cash Flow Ratio | 0.37 | -1.01 | -1.17 | -0.38 | -0.46 |
| Short-Term Operating Cash Flow Coverage | 0.47 | -1.36 | -1.41 | -0.50 | -0.62 |
| Net Current Asset Value | $ -186.16B | $ -106.08B | $ -116.63B | $ -92.84B | $ -78.56B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.68 | 0.73 | 0.70 | 0.73 | 0.74 |
| Debt-to-Equity Ratio | 2.49 | 3.14 | 2.56 | 3.29 | 3.39 |
| Debt-to-Capital Ratio | 0.71 | 0.76 | 0.72 | 0.77 | 0.77 |
| Long-Term Debt-to-Capital Ratio | 0.67 | 0.73 | 0.69 | 0.73 | 0.75 |
| Financial Leverage Ratio | 3.63 | 4.29 | 3.64 | 4.49 | 4.57 |
| Debt Service Coverage Ratio | 0.32 | 0.61 | 0.63 | 0.44 | 0.55 |
| Interest Coverage Ratio | 0.00 | 1.81 | 1.84 | 1.80 | 1.71 |
| Debt to Market Cap | 0.96 | 0.99 | 0.91 | 0.86 | 0.76 |
| Interest Debt Per Share | 432.89 | 350.04 | 410.91 | 303.24 | 267.39 |
| Net Debt to EBITDA | 12.54 | 6.97 | 6.55 | 7.85 | 7.65 |
| Profitability Margins | |||||
| Gross Profit Margin | 61.26% | 84.98% | 85.28% | 84.70% | 86.46% |
| EBIT Margin | 38.13% | 82.03% | 82.23% | 78.65% | 80.99% |
| EBITDA Margin | 39.00% | 82.92% | 83.12% | 79.52% | 81.82% |
| Operating Profit Margin | 40.40% | 74.55% | 75.15% | 74.78% | 78.22% |
| Pretax Profit Margin | 38.13% | 40.76% | 41.38% | 36.99% | 35.20% |
| Net Profit Margin | 29.72% | 31.84% | 32.16% | 28.96% | 27.60% |
| Continuous Operations Profit Margin | 29.72% | 31.84% | 32.16% | 28.96% | 27.60% |
| Net Income Per EBT | 77.95% | 78.12% | 77.72% | 78.29% | 78.41% |
| EBT Per EBIT | 94.39% | 54.67% | 55.07% | 49.46% | 45.00% |
| Return on Assets (ROA) | 4.00% | 3.93% | 3.93% | 3.28% | 3.09% |
| Return on Equity (ROE) | 14.53% | 16.85% | 14.31% | 14.73% | 14.14% |
| Return on Capital Employed (ROCE) | 6.52% | 10.59% | 10.32% | 10.35% | 10.16% |
| Return on Invested Capital (ROIC) | 4.39% | 7.43% | 7.27% | 6.93% | 7.13% |
| Return on Tangible Assets | 4.00% | 3.93% | 3.93% | 3.28% | 3.09% |
| Earnings Yield | 5.63% | 5.33% | 5.06% | 3.88% | 3.17% |
| Efficiency Ratios | |||||
| Receivables Turnover | 136.45 | 0.86 | 0.84 | 1.01 | 1.09 |
| Payables Turnover | 11.55 | 3.26 | 3.31 | 3.58 | 4.28 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 27.12 | 31.50 | 32.58 | 29.84 | 29.70 |
| Asset Turnover | 0.13 | 0.12 | 0.12 | 0.11 | 0.11 |
| Working Capital Turnover Ratio | -10.58 | 2.21 | 1.38 | 1.86 | 0.00 |
| Cash Conversion Cycle | -28.92 | 313.31 | 325.49 | 260.14 | 248.43 |
| Days of Sales Outstanding | 2.67 | 425.42 | 435.61 | 362.21 | 333.70 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 31.60 | 112.11 | 110.12 | 102.07 | 85.28 |
| Operating Cycle | 2.67 | 425.42 | 435.61 | 362.21 | 333.70 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 38.59 | -59.79 | -71.15 | -27.10 | -21.26 |
| Free Cash Flow Per Share | 38.16 | -60.15 | -71.50 | -27.34 | -21.54 |
| Dividend Paid and CapEx Coverage Ratio | 89.12 | -165.16 | -204.50 | -110.70 | -76.78 |
| Capital Expenditure Coverage Ratio | 89.12 | -165.16 | -204.50 | -110.70 | -76.78 |
| Operating Cash Flow Coverage Ratio | 0.09 | -0.18 | -0.19 | -0.10 | -0.09 |
| Operating Cash Flow to Sales Ratio | 0.45 | -1.08 | -1.07 | -0.61 | -0.56 |
| Free Cash Flow Yield | 8.48% | -18.26% | -16.89% | -8.30% | -6.54% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 17.77 | 18.74 | 19.75 | 25.79 | 31.59 |
| Price-to-Sales (P/S) Ratio | 5.28 | 5.97 | 6.35 | 7.47 | 8.72 |
| Price-to-Book (P/B) Ratio | 2.58 | 3.16 | 2.83 | 3.80 | 4.47 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 11.79 | -5.48 | -5.92 | -12.05 | -15.30 |
| Price-to-Operating Cash Flow Ratio | 11.66 | -5.51 | -5.95 | -12.16 | -15.50 |
| Price-to-Earnings Growth (PEG) Ratio | 0.98 | 0.50 | 0.90 | 1.15 | 0.00 |
| Enterprise Value Multiple | 26.08 | 14.17 | 14.19 | 17.25 | 18.31 |
| Enterprise Value | 375.04B | 276.54B | 334.50B | 257.97B | 241.44B |
| EV to EBITDA | 26.08 | 14.17 | 14.19 | 17.25 | 18.31 |
| EV to Sales | 10.17 | 11.75 | 11.80 | 13.71 | 14.98 |
| EV to Free Cash Flow | 22.70 | -10.78 | -11.00 | -22.12 | -26.28 |
| EV to Operating Cash Flow | 22.45 | -10.84 | -11.05 | -22.32 | -26.63 |
| Tangible Book Value Per Share | 174.13 | 104.21 | 149.68 | 86.69 | 73.76 |
| Shareholders’ Equity Per Share | 174.16 | 104.33 | 149.80 | 86.69 | 73.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.22 | 0.22 | 0.22 | 0.22 |
| Revenue Per Share | 85.15 | 55.20 | 66.65 | 44.10 | 37.79 |
| Net Income Per Share | 25.31 | 17.58 | 21.44 | 12.77 | 10.43 |
| Tax Burden | 0.78 | 0.78 | 0.78 | 0.78 | 0.78 |
| Interest Burden | 1.00 | 0.50 | 0.50 | 0.47 | 0.43 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.02 | 0.03 | 0.02 | 0.01 |
| Stock-Based Compensation to Revenue | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.52 | -2.66 | -2.58 | -1.66 | -1.60 |
Currency in INR