Aadhar Housing Fin
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Aadhar Housing Fin share price

Aadhar Housing Finance Ltd.

NSE: AADHARHFC BSE: 544176 SECTOR: Finance - Housing  91.24 K   95   42

510.05
-3.65 (-0.71%)
BSE: Today, 03:17 PM

Price Summary

Today's High

₹ 516.9

Today's Low

₹ 509.6

52 Week High

₹ 547.75

52 Week Low

₹ 340.5

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 22089.89 Cr.

Advances

₹ 13851.45 Cr.

No. of Shares

43.31 Cr.

P/E

23.28

P/B

3.35

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  152.04

Operating Revenue

₹ 3107.63 Cr.

Net Profit

₹ 911.83 Cr.

Promoter Holding

75.32 %

EPS (TTM)

₹  21.91

Sales Growth

0

ROE

ROCE

Profit Growth

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 19Indices.

NIFTY500

Nifty 500
23708.95
  -132.349999999999 (-0.555129124670206%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20342.5
  -103.700000000001 (-0.507184709139108%)

NIFTYSMALL

NIFTY Smallcap 100
18383.8
  -85.9000000000015 (-0.465086059871045%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
18168.6
  -96.9000000000015 (-0.530508335386393%)

NIFTYSMALLCAP250

Nifty Smallcap 250
17322.35
  -89.2000000000007 (-0.51230361455471%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16489.9
  -89.7999999999993 (-0.541626205540502%)

NFT500EQUAL

Nifty 500 Equal Weight
14570.2
  -76.7999999999993 (-0.524339455178535%)

NIFTYTOTALMCAP

Nifty Total Market index
13332.6
  -73.25 (-0.54640324932772%)

SMLCAP

S&P Bse Small Cap
53855.55
  -236.699999999997 (-0.437585790940476%)

BSE500MOM50

BSE 500 Momentum 50
43756.85
  -223.349999999999 (-0.507842165338035%)

BSE500

S&P Bse 500
37210.82
  -209.370000000003 (-0.559510788160089%)

FIN

S&P Bse Finance
12961.3
  -89.3299999999999 (-0.684488028547281%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

S&P Bse 400 MidSmallCap
12277.13
  -70.5200000000004 (-0.571120820561%)

BSE1000

Bse 1000
11074.91
  -60.2800000000007 (-0.541346847247337%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

SML250

S&P Bse 250 SmallCap
6912.08
  -42.6000000000004 (-0.612537169215555%)

BSESELECTIPO

BSE Select IPO Index
4935.7
  -57.2200000000003 (-1.14602276823983%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1669.35
  -15.1900000000001 (-0.901729849098276%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year20.13%
3 Year21.6%
5 Year17.5%

Profit Growth

1 Year21.64%
3 Year27.03%
5 Year36.94%

ROE%

1 Year16.93%
3 Year17.14%
5 Year16.05%

ROCE %

1 Year11.45%
3 Year10.97%
5 Year10.55%

ROA%

4.3096

PEG Ratio

∞

PAT Margin (%)

0

EPS Growth(%)

0

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2025 75.32 0.00
Jun 2025 75.50 0.00
Mar 2025 75.61 67.45
Dec 2024 75.74 0.00
Sep 2024 75.89 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.00783333333333% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 17.1430333333333%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 21.6013478055303%.
  • The company boasts a well-maintained advances growth ratio of 15.8479284857167%.
  • Promoters shareholding is 75.32%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 713.14 764.27 797.61 832.61 848.18
Other Income 0.01 0.01 0.03 1.23 3.16
Interest Expended 277.01 285.18 296.87 314.71 331.94
Operating Expenses 172.79 180.47 186.61 196.77 207.13
Total Provisions 0 0 0 0 0
Depreciation 6.11 6.2 6.48 6.45 7.12
Profit Before Tax 257.24 292.43 307.68 315.91 305.15
Tax 57.1 64.92 68.34 71.07 67.87
Profit after Tax 200.14 227.51 239.34 244.84 237.28
Adjustments 0 0 0 0 0
Consolidated Net Profit 200.14 227.51 239.34 244.84 237.28
Adjusted EPS (RS) 4.69 5.29 5.56 5.68 5.49

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 1575.33 1728.27 2043.23 2586.82 3107.63
Other Income 0.51 0.29 0.29 0.17 1.28
Interest 815.97 761.2 799.19 986.69 1173.77
Operating Expenses 267.58 345.12 466.09 587.84 689.73
Total Provisions 59.78 54.88 57.42 52.87 72.15
Exceptional Items 0 0 -25 0 0
Profit Before Tax 432.51 567.36 695.82 959.59 1173.26
Tax 92.38 122.51 151.06 209.95 261.43
Profit After Tax 340.13 444.85 544.76 749.64 911.83
Adjustments 0 0 0 0 0
Consolidated Net Profit 340.13 444.85 544.76 749.64 911.83
Adjusted EPS (Rs.) 8.62 11.27 13.8 18.99 21.14

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 394.76 394.76 394.76 394.76 431.38
Total Reserves 2298.06 2751.93 3302.9 4054.99 5940.91
Minority Interest 0 0 0 0 0
Borrowings 10374.47 10599.59 12153.45 12017.52 14120.46
Other N/C liabilities 30.03 28.93 26.67 544.9 368.55
Current liabilities 532.73 600.32 739.83 2080.5 2362.24
Total Liabilities 13630.05 14375.53 16617.61 19092.67 23223.54
Assets
Loans 10613.26 11960.34 13851.45 16902.94 20484.1
Net Block 53.13 55.07 63.32 79.82 91.87
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 24 196.32 458.24 455.83 506.85
Other Loans 56.51 42.34 33.35 0 0
Other N/C Assets 27.3 26.22 33.95 343.25 310.36
Current Assets 2855.85 2095.24 2177.3 1310.83 1830.36
Total Assets 13630.05 14375.53 16617.61 19092.67 23223.54
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2024% Dec 2024% Mar 2025% Jun 2025% Sep 2025%
promoters 75.89 75.74 75.61 75.50 75.32
bcp topco vii pte ltd - - - 75.50 75.32
bcp topco vii pte. ltd. 75.89 75.74 75.61 - -
PARTICULARS Sep 2024% Dec 2024% Mar 2025% Jun 2025% Sep 2025%
investors 24.11 24.26 24.39 24.50 24.68
hdfc small cap fund - - - - 1.51
icici bank ltd 1.08 1.08 1.08 1.08 1.07
investor education and pr... 0.03 - 0.03 - 0.03
hdfc small cap fund - - - 1.51 -
investor education and pr... - 0.03 - 0.03 -
hdfc mutual fund - hdfc s... - - 1.25 - -
quant mutual fund - quant... 2.36 2.27 1.28 - -

Annual Reports

Title Link
Title Link
Annual Report 2024

Ratings & Research Reports

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Concalls & Presentations

TYPE QUARTER Link
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Concall Q4FY25
Concall Q3FY25
TYPE QUARTER Link
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Presentation Q3FY25

Company News

Aadhar Housing Finance informs about change in senior management 10 Oct, 2:41 PM Aadhar Housing Finance informs about allotment of Equity Shares under ESOP 20 Sep, 1:05 PM Aadhar Housing Finance informs about memorandum of understanding 30 Jul, 12:32 PM Aadhar Housing Finance’s promoter inks pact to divest stake in company 30 Jul, 12:13 PM Aadhar Housing Fin - Quaterly Results 25 Jul, 4:25 PM Aadhar Housing Fin - Quaterly Results 25 Jul, 4:25 PM Aadhar Housing Fin - Quaterly Results 25 Jul, 4:25 PM Aadhar Housing Fin - Quaterly Results 6 May, 4:35 PM Aadhar Housing Fin - Quaterly Results 6 May, 4:35 PM Aadhar Housing Fin - Quaterly Results 6 May, 4:35 PM Aadhar Housing Finance informs about allotment 24 Apr, 5:02 PM Aadhar Housing Fin - Quaterly Results 6 Feb, 5:24 PM Aadhar Housing Fin - Quaterly Results 6 Feb, 5:24 PM Aadhar Housing Fin - Quaterly Results 6 Feb, 5:24 PM Aadhar Housing Fin - Quaterly Results 6 Nov, 5:20 PM Aadhar Housing Fin - Quaterly Results 6 Nov, 5:20 PM Aadhar Housing Fin - Quaterly Results 6 Nov, 5:20 PM Aadhar Housing Finance informs about investor presentation 8 Aug, 9:51 AM Aadhar Housing Fin - Quaterly Results 7 Aug, 6:32 PM Aadhar Housing Fin - Quaterly Results 7 Aug, 6:32 PM Aadhar Housing Finance coming with IPO to raise upto Rs 3150.61 crore 7 May, 4:46 PM AADHAR Housing Finance informs about interest payment of NCDs 23 Nov, 3:42 PM AADHAR Housing Finance about interest payment 19 Sep, 2:22 PM Aadhar Housing Finance informs about interest payment of NCDs 7 Aug, 3:29 PM
Last Updated on:
Brief about Aadhar Housing Fin
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