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Aadhar Housing Finance Ltd
(AADHARHFC)
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Rating:61Neutral
Price Target:
₹535.00
▲(11.95% Upside)
Action:Reiterated
Date:08/09/26
The score is primarily supported by strong reported profitability and multi-year growth, but is held back by elevated leverage and a history of volatile/weak cash-flow conversion (despite improvement in FY2026). Technicals are neutral with limited trend strength, and valuation appears reasonable at a 18.9 P/E with no dividend yield data to add support.
Positive Factors
Multi-year revenue and profitability
Sustained top-line expansion with high net margins and steady net income indicates durable core profitability. Mid‑teens ROE shows efficient capital deployment for a mortgage lender, supporting reinvestment and resilience versus peers over the medium term.
Negative Factors
Elevated leverage
Persistently high debt funding raises sensitivity to interest‑rate moves and wholesale funding shocks. Elevated leverage reduces financial flexibility, increases refinancing and liquidity risk, and can amplify earnings volatility if credit costs rise or growth slows.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue and profitability
Sustained top-line expansion with high net margins and steady net income indicates durable core profitability. Mid‑teens ROE shows efficient capital deployment for a mortgage lender, supporting reinvestment and resilience versus peers over the medium term.
Read all positive factors
Aadhar Housing Finance Ltd (AADHARHFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹202.47B
Dividend YieldN/A
Average Volume (3M)60.34K
Price to Earnings (P/E)17.4
Beta (1Y)1.03
Revenue Growth18.04%
EPS Growth19.18%
CountryIN
Employees5,430
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)11.88
Shares Outstanding438,206,730
10 Day Avg. Volume21,920
30 Day Avg. Volume60,338
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)30.2
Revenue Forecast (FY)₹26.29B
Aadhar Housing Finance Ltd Business Overview & Revenue Model
Company Description
Aadhar Housing Finance Limited is an Indian financial institution dedicated to providing housing finance solutions. The company offers a broad spectrum of lending products, including funding for the purchase and construction of homes, financing fo...
How the Company Makes Money
Aadhar Housing Finance primarily makes money through net interest income: it borrows funds (for example, via bank borrowings, debt issuances, or other institutional funding typical for HFCs) and lends to customers as home loans, earning interest i...
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 | 22.58B | 24.18B | 20.01B | 15.93B | 13.94B |
| EBITDA | 18.76B | 14.38B | 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
496.01
Negative
492.15
Negative
483.84
Negative
Market Momentum
-7.38
Positive
34.36
Neutral
18.07
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 above the 20-day moving average (MA) of 473.26, below the 50-day MA of 496.01, and below the 200-day MA of 483.84, indicating a bearish trend. The MACD of -7.38 indicates Positive momentum. The RSI at 34.36 is Neutral, neither overbought nor oversold. The STOCH value of 18.07 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ₹126.51B | 21.17 | ― | 0.44% | 21.42% | 25.43% | |
67 Neutral | ₹308.28B | 13.27 | ― | 0.68% | 10.71% | 13.39% | |
64 Neutral | ₹102.15B | 14.70 | ― | ― | 13.18% | 16.88% | |
62 Neutral | ₹126.41B | 12.66 | ― | 1.81% | 20.54% | 23.05% | |
61 Neutral | ₹202.47B | 17.38 | ― | ― | 18.04% | 19.18% | |
58 Neutral | ₹104.11B | 9.19 | ― | 1.92% | 8.20% | 28.17% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:AADHARHFC
Aadhar Housing Finance Ltd
456.35
-50.30
-9.93%
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IN:APTUS
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781.05
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IN:HOMEFIRST
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1,184.65
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IN:PNBHOUSING
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42.72%
Aadhar Housing Finance Ltd Corporate Events
Aadhar Housing Finance Publishes Q1 FY27 Unaudited Results in Newspapers
Aug 2, 2026
Aadhar Housing Finance has informed the stock exchanges that its unaudited financial results for the quarter ended June 30, 2026 have been published in multiple newspapers in line with SEBI listing regulations. The publications in Financial Expres...
Aadhar Housing Finance Raises Rs 250 Crore via Secured NCD Issue
Jun 18, 2026
Aadhar Housing Finance Ltd has raised Rs 250 crore through a private placement of 25,000 senior, secured, rated, listed, redeemable non-convertible debentures with a face value of Rs 1 lakh each. The issue is proposed to be listed on the wholesale...
Aadhar Housing Finance to Engage Investors at Chennai Non-Deal Roadshow on 29 May 2026
May 25, 2026
Aadhar Housing Finance has announced that its management will participate in a non-deal roadshow in Chennai on 29 May 2026, hosted by Investec Capital Services (India) Private Limited, as part of its engagement with analysts and investors. During ...
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.