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Aadhar Housing Finance Ltd (AADHARHFC) AI Stock Analysis
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Aadhar Housing Finance Ltd
(NSE:AADHARHFC)
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.
Aadhar Housing Finance Ltd (AADHARHFC) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 184.17B
- Dividend Yield
- ―
- Average Volume (3M)
- 50.59K
- Price to Earnings (P/E)
- 16.0
- Beta (1Y)
- 0.83
- Revenue Growth
- 18.04%
- EPS Growth
- 19.18%
- Country
- India
- Employees
- 5,430
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Mortgages
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 for l...
How the Company Makes Money
Aadhar Housing Finance Ltd makes money primarily by earning spread-based income from lending activities. Its core revenue stream is interest income from housing loans and other retail mortgage products extended to customers; the company funds these l...
Aadhar Housing Finance Ltd Financial Statement Overview
Summary
Strong multi-year revenue and net income growth with resilient net margins (~28–32%) and mid-teens ROE (~14–17%). Offsetting this are elevated leverage (debt-to-equity ~2.5x–3.4x) and historically inconsistent cash generation (negative operating/free cash flow in FY2022–FY2025 before a rebound in FY2026), which reduces overall quality and stability of fundamentals.
Income Statement
78PositiveBalance Sheet
61PositiveCash Flow
49Neutral| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 37.82B | 36.87B | 23.54B | 28.35B | 18.81B | 16.12B |
| Gross Profit | 21.84B | 22.58B | 20.01B | 24.18B | 15.93B | 13.94B |
| EBITDA | 14.61B | 14.38B | 19.52B | 23.57B | 14.96B | 13.19B |
| Net Income | 11.41B | 10.96B | 7.50B | 9.12B | 5.45B | 4.45B |
Balance Sheet | ||||||
| Total Assets | 0 | 273.99B | 190.93B | 232.24B | 166.18B | 143.76B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 12.15B | 12.02B | 17.67B | 17.18B | 18.38B |
| Total Debt | 0 | 187.43B | 139.58B | 163.22B | 121.50B | 106.67B |
| Total Liabilities | -75.41B | 198.58B | 146.43B | 168.52B | 129.20B | 112.29B |
| Stockholders Equity | 75.41B | 75.41B | 44.50B | 63.72B | 36.98B | 31.47B |
Cash Flow | ||||||
| Free Cash Flow | -7.03B | 16.52B | -25.66B | -30.41B | -11.66B | -9.19B |
| Operating Cash Flow | -6.95B | 16.71B | -25.50B | -30.27B | -11.56B | -9.07B |
| Investing Cash Flow | -843.30M | -41.70B | 7.23B | 1.60B | -4.77B | 8.23B |
| Financing Cash Flow | 6.90B | 23.36B | 17.78B | 33.89B | 14.63B | 2.75B |
Aadhar Housing Finance Ltd Technical Analysis
Price Trends
Market Momentum
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 422.00 is below the 20-day moving average (MA) of 444.89, below the 50-day MA of 456.01, and below the 200-day MA of 477.61, indicating a bearish trend. The MACD of -6.74 indicates Positive momentum. The RSI at 36.05 is Neutral, neither overbought nor oversold. The STOCH value of 17.46 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
Overall Rating
IN:PNBHOUSING81Outperform
IN:HOMEFIRST76Outperform
IN:AAVAS72Outperform
IN:CANFINHOME72Outperform- IN:AADHARHFC61Neutral
IN:APTUS55Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:PNBHOUSING | 81Outperform | INR 276.24B | 11.75 | ― | 0.76% | 10.90% | 9.13% |
| IN:HOMEFIRST | 76Outperform | INR 112.01B | 18.03 | ― | 0.48% | 19.19% | 26.51% |
| IN:AAVAS | 72Outperform | INR 84.28B | 11.95 | ― | ― | 12.03% | 16.64% |
| IN:CANFINHOME | 72Outperform | INR 95.86B | 8.31 | ― | 2.08% | 7.90% | 25.13% |
| IN:AADHARHFC | 61Neutral | INR 185.00B | 15.98 | ― | ― | 18.04% | 19.18% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:APTUS | 55Neutral | INR 96.06B | 9.72 | ― | 2.35% | 20.54% | 23.05% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:AADHARHFC | Aadhar Housing Finance Ltd | 422.00 | -87.30 | -17.14% | |
| IN:AAVAS | Aavas Financiers Ltd. | 1062.80 | -590.25 | -35.71% | |
| IN:APTUS | Aptus Value Housing Finance India Limited | 191.80 | -104.78 | -35.33% | |
| IN:CANFINHOME | Can Fin Homes Ltd. | 719.90 | -130.46 | -15.34% | |
| IN:HOMEFIRST | Home First Finance Company India Ltd. | 1071.25 | -177.16 | -14.19% | |
| IN:PNBHOUSING | PNB Housing Finance Limited | 1059.20 | 127.03 | 13.63% |
Aadhar Housing Finance Ltd Corporate Events
Aadhar Housing Finance Restructures Board, Elevates Tripathi to Interim Non-Executive Chair
Aadhar Housing Finance Limited has announced a key change in its board, disclosing that Executive Vice Chairman and key managerial personnel Deo Shankar Tripathi has opted for early retirement from his executive role effective at the close of busines...
Aadhar Housing Finance Receives ESG Rating of 71 from NSE Sustainability
Aadhar Housing Finance Ltd has received an Environmental, Social and Governance rating of 71 for FY 2026 from NSE Sustainability Ratings & Analytics Limited. The assessment was prepared independently by NSE Sustainability using publicly available...
Aadhar Housing Finance Boosts Equity Capital with ESOP Share Allotment
Aadhar Housing Finance Limited has allotted 469,259 equity shares to employees following the exercise of stock options granted under its Employee Stock Option Plan 2020. The newly issued shares, priced at Rs 10 each, will rank pari passu with existin...
Aadhar Housing Finance Publishes Q1 FY27 Unaudited Results in Newspapers
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 Express,...
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.
Date of analysis: Aug 09, 2026