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Aadhar Housing Finance Ltd
(AADHARHFC)
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Rating:61Neutral
Price Target:
₹445.00
▼(-6.88% Downside)
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
Revenue and earnings growth
The multi-year expansion in revenue and net income indicates growing lending activity and a larger earnings base. If the company sustains this trajectory, it can strengthen internal capital generation, support continued loan-book growth, and reinforce its position in retail housing finance over the next several quarters.
Negative Factors
Elevated leverage
High leverage makes the lender more sensitive to changes in funding costs, liquidity conditions, and credit-cycle stress. Although equity is increasing, the materially debt-funded structure can constrain financial flexibility and cause earnings or returns to come under pressure when financing conditions worsen.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
The multi-year expansion in revenue and net income indicates growing lending activity and a larger earnings base. If the company sustains this trajectory, it can strengthen internal capital generation, support continued loan-book growth, and reinforce its position in retail housing finance over the next several quarters.
Read all positive factors
Aadhar Housing Finance Ltd (AADHARHFC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹185.00B
Dividend YieldN/A
Average Volume (3M)18.73K
Price to Earnings (P/E)16.0
Beta (1Y)0.83
Revenue Growth18.04%
EPS Growth19.18%
CountryIN
Employees5,430
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)26.28
Shares Outstanding438,393,160
10 Day Avg. Volume16,982
30 Day Avg. Volume18,734
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)30.12
Revenue Forecast (FY)₹26.72B
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 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 thes...
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 | 37.82B | 36.87B | 28.35B | 23.54B | 18.81B | 16.12B |
| Gross Profit | 21.84B | 22.58B | 24.18B | 20.01B | 15.93B | 13.94B |
| EBITDA | 14.61B | 14.38B | 23.57B | 19.52B | 14.96B | 13.19B |
| Net Income | 11.41B | 10.96B | 9.12B | 7.50B | 5.45B | 4.45B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 273.99B | 232.24B | 190.93B | 166.18B | 143.76B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 12.15B | 17.67B | 12.02B | 17.18B | 18.38B |
| Total Debt | 0.00 | 187.43B | 163.22B | 139.58B | 121.50B | 106.67B |
| Total Liabilities | -75.41B | 198.58B | 168.52B | 146.43B | 129.20B | 112.29B |
| Stockholders Equity | 75.41B | 75.41B | 63.72B | 44.50B | 36.98B | 31.47B |
Cash Flow | ||||||
| Free Cash Flow | -7.03B | 16.52B | -30.41B | -25.66B | -11.66B | -9.19B |
| Operating Cash Flow | -6.95B | 16.71B | -30.27B | -25.50B | -11.56B | -9.07B |
| Investing Cash Flow | -843.30M | -41.70B | 1.60B | 7.23B | -4.77B | 8.23B |
| Financing Cash Flow | 6.90B | 23.36B | 33.89B | 17.78B | 14.63B | 2.75B |
Aadhar Housing Finance Ltd Technical Analysis
Negative
477.90
Price Trends
456.01
Negative
480.95
Negative
477.61
Negative
Market Momentum
-6.74
Positive
36.05
Neutral
17.46
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 444.89, above the 50-day MA of 456.01, and above 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹276.24B | 11.75 | ― | 0.76% | 10.90% | 9.13% | |
64 Neutral | ₹84.28B | 11.95 | ― | ― | 12.03% | 16.64% | |
63 Neutral | ₹95.86B | 8.31 | ― | 2.08% | 7.90% | 25.13% | |
63 Neutral | ₹112.01B | 18.03 | ― | 0.48% | 19.19% | 26.51% | |
62 Neutral | ₹96.06B | 9.72 | ― | 2.35% | 20.54% | 23.05% | |
61 Neutral | ₹185.00B | 15.99 | ― | ― | 18.04% | 19.18% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:AADHARHFC
Aadhar Housing Finance Ltd
422.00
-87.80
-17.22%
IN:AAVAS
Aavas Financiers Ltd.
1,062.80
-587.10
-35.58%
IN:APTUS
Aptus Value Housing Finance India Limited
191.80
-120.97
-38.68%
IN:CANFINHOME
Can Fin Homes Ltd.
719.90
-133.11
-15.61%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,071.25
-118.48
-9.96%
IN:PNBHOUSING
PNB Housing Finance Limited
1,059.20
137.94
14.97%
Aadhar Housing Finance Ltd Corporate Events
Aadhar Housing Finance Restructures Board, Elevates Tripathi to Interim Non-Executive Chair
Oct 21, 2026
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 busi...
Aadhar Housing Finance Receives ESG Rating of 71 from NSE Sustainability
Sep 3, 2026
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 F...
Aadhar Housing Finance Boosts Equity Capital with ESOP Share Allotment
Aug 26, 2026
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 exis...
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...
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.