Aadhar Housing Fin
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Aadhar Housing Fin share price

Aadhar Housing Finance Ltd.

NSE: AADHARHFC BSE: 544176 SECTOR: Finance - Housing  78.62 K   92   42

452.00
0 0
BSE: 11 Jul 04:01 PM

Price Summary

Today's High

₹ 461.3

Today's Low

₹ 448.05

52 Week High

₹ 516.65

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

₹ 19529.08 Cr.

Advances

₹ 13851.45 Cr.

No. of Shares

43.21 Cr.

P/E

21.42

P/B

3.08

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  146.89

Operating Revenue

₹ 3107.63 Cr.

Net Profit

₹ 911.83 Cr.

Promoter Holding

75.61 %

EPS (TTM)

₹  21.1

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
23282.7
  -188.700000000001 (-0.803957156369028%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20232
  -160.599999999999 (-0.787540578445112%)

NIFTYSMALL

NIFTY Smallcap 100
18763.45
  -192.799999999999 (-1.01707879986811%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
18026.95
  -142.200000000001 (-0.782645308118435%)

NIFTYSMALLCAP250

Nifty Smallcap 250
17645.45
  -125.200000000001 (-0.704532473488595%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16298.3
  -129.75 (-0.789807676504517%)

NFT500EQUAL

Nifty 500 Equal Weight
14525.7
  -99.75 (-0.6820302965037%)

NIFTYTOTALMCAP

Nifty Total Market index
13111
  -104.75 (-0.792614872406028%)

NIFTYIPO

Nifty IPO Index
2082.4
  0.400000000000091 (0.0192122958693641%)

SMLCAP

S&P Bse Small Cap
54484.76
  -383.93 (-0.699725107342641%)

BSE500

S&P Bse 500
36545.58
  -293.169999999998 (-0.795819619286753%)

FIN

S&P Bse Finance
12738.41
  -74.7199999999993 (-0.583151813803495%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

S&P Bse 400 MidSmallCap
12211.26
  -88.1599999999999 (-0.716781766945107%)

BSE1000

Bse 1000
10896.61
  -85.619999999999 (-0.779623082015213%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

SML250

S&P Bse 250 SmallCap
7040.7
  -45.8500000000004 (-0.647000303391643%)

BSESELECTIPO

BSE Select IPO Index
4902.1
  -40.7199999999993 (-0.823821219465792%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1646.09
  -12.03 (-0.725520468964846%)

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

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

 Group Companies

Track the companies of Group.

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 %
Mar 2025 75.61 67.45
Dec 2024 75.74 0.00
Sep 2024 75.89 0.00
Jun 2024 76.48 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%.

 Limitations

  • Promoter pledging is high as 67.45%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Operating Revenue 691.8 713.14 764.27 797.61 832.61
Other Income 0.02 0.01 0.01 0.03 1.23
Interest Expended 261.88 277.01 285.18 296.87 314.71
Operating Expenses 165.57 172.79 180.47 186.61 196.77
Total Provisions 0 0 0 0 0
Depreciation 5.76 6.11 6.2 6.48 6.45
Profit Before Tax 258.61 257.24 292.43 307.68 315.91
Tax 56.85 57.1 64.92 68.34 71.07
Profit after Tax 201.76 200.14 227.51 239.34 244.84
Adjustments 0 0 0 0 0
Consolidated Net Profit 201.76 200.14 227.51 239.34 244.84
Adjusted EPS (RS) 5.11 4.69 5.29 5.56 5.68

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 Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 76.48 75.89 75.74 75.61
bcp topco vii pte. ltd. 76.48 75.89 75.74 75.61
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 23.52 24.11 24.26 24.39
hdfc mutual fund - hdfc s... - - - 1.25
icici bank ltd 1.09 1.08 1.08 1.08
investor education and pr... 0.03 0.03 - 0.03
quant mutual fund - quant... - 2.36 2.27 1.28
investor education and pr... - - 0.03 -
quant mutual fund - quant... 1.56 - - -

Annual Reports

Title Link
Title Link
Annual Report 2024

Ratings & Research Reports

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 No Credit reports exist for this company.Report us
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TYPE AGENCY Link
Research IDBI Capital

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY25
Concall Q3FY25
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q3FY25
Last Updated on:
Brief about Aadhar Housing Fin
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