Aadhar Housing Finance Ltd (AADHARHFC)
₹420.10
Mkt cap
₹18,417 Cr
P/E ratio
16.00
P/B
2.43
Div yield
0.00%
ROE
15.90%
ROCE
11.40%
EPS (TTM)
₹26.26
Book value
₹173
52W range
418–563
Sector
Financial Services
Price history
Previous close
Aadhar Housing Finance Ltd is one of the largest low-income housing finance companies in India servicing the home financing needs of the low income sections of the society. [1]
NSE AADHARHFCBSE 544176
Health check
Cautious
ValuationExpensive
ProfitabilityAverage
TechnicalsBearish
52-week range
−25.38% from high₹420
₹418+0.50% from low₹563
Current
₹420.10
Prev close
₹440.00
Day
−4.52%
Price performance
1D
−4.77%
1W
−4.79%
1M
−3.12%
3M
−14.62%
6M
−14.27%
1Y
−17.59%
YTD
−16.07%
Financials
Revenue, profit & margin
P/E ratio
16.0×
AADHARHFC is 36% above the sector median of 11.8×
AADHARHFC16.0×
Sector median11.8×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 985 | 993 | |
| Interest | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 | 348 | 343 | 376 | |
| Expenses | 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 | 214 | 240 | 248 | |
| Financing Profit | 192 | 258 | 266 | 264 | 263 | 299 | 314 | 321 | 309 | 348 | 382 | 401 | 368 | |
| Financing Margin % | 32% | 41% | 40% | 38% | 37% | 39% | 39% | 39% | 36% | 39% | 40% | 41% | 37% | |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | -15 | 8 | 4 | |
| Depreciation | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 11 | 9 | |
| Profit before tax | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 | 360 | 398 | 364 | |
| Tax % | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | |
| Net Profit | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 | 281 | 311 | 282 | |
| EPS in Rs | 3.71 | 5.00 | 5.17 | 5.11 | 4.69 | 5.29 | 5.56 | 5.68 | 5.49 | 6.15 | 6.48 | 7.14 | 6.46 | |
| Gross NPA % | 1.46% | 1.40% | 1.40% | 1.10% | 1.31% | 1.30% | 1.36% | 1.05% | 1.34% | 1.40% | 1.38% | 1.08% | 1.31% | |
| Net NPA % | 1.10% | 0.90% | 0.97% | 0.70% | 0.90% | 0.90% | 0.95% | 0.70% | 1.00% | 1.01% | 0.80% | 0.90% | ||
| Raw PDF |
Earnings
Results dates & reactionsNext results
5 Nov '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +0.22% · closed higher next day 3 of last 10
| Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26† | Q3FY26 | Q4FY26† | Q1FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 30 May '24◦ | 8 Aug '24◦ | 7 Nov '24◦ | 6 Feb '25◦ | 6 May '25◦ | 25 Jul '25◦ | 7 Nov '25◦ | 30 Jan '26◦ | 5 May '26 | 31 Jul '26◦ |
| Earnings day | +1.01% | +2.11% | −0.92% | +2.09% | −2.17% | +4.06% | +0.79% | −2.95% | −3.35% | +1.50% |
| +1 day | +2.31% | +0.79% | −6.09% | −2.20% | −2.35% | +2.56% | −0.42% | −2.86% | −3.29% | −0.79% |
| +5 days | +7.69% | −5.85% | −8.99% | −2.15% | −3.05% | +0.75% | +0.47% | −2.81% | −5.92% | +1.00% |
| +15 days | +14.16% | −6.85% | −6.17% | −3.94% | −5.38% | +1.22% | −1.97% | −4.34% | −7.66% | −6.09% |
| +30 days | +31.11% | +19.23% | −8.85% | +3.41% | −5.27% | +4.31% | −1.21% | −2.19% | −5.99% | −9.73% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Sep 202664.51%Promoter
Promoters64.51%0.15
FIIs4.11%1.69
DIIs11.51%1.59
Public19.89%0.28
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Housing | ₹77.42 | 22.90 | 64,509 | 0.00% | 757 | +17.73% | 3,251 | +18.29% | 8.85% |
| Piramal Finance. | ₹1,817.00 | 74.41 | 42,996 | 0.61% | 545 | +32.08% | 3,659 | +27.43% | 6.47% |
| PNB Housing | ₹1,060.00 | 11.76 | 27,645 | 0.75% | 617 | +6.01% | 2,423 | +13.88% | 9.40% |
| LIC Housing Fin. | ₹493.70 | 4.61 | 27,157 | 2.03% | 1,507 | +11.65% | 7,194 | +0.21% | 8.59% |
| Aadhar Hsg. Fin. | ₹420.10 | 15.97 | 18,417 | 0.00% | 282 | +19.00% | 993 | +17.06% | 11.38% |
| Sammaan Capital | ₹116.74 | — | 13,560 | 0.00% | 243 | −27.22% | 1,652 | −31.18% | 4.92% |
| Home First Finan | ₹1,072.00 | 18.09 | 11,210 | 0.49% | 170 | +29.08% | 567 | +18.79% | 11.13% |
| Median: 14 Co. | ₹456.90 | 11.76 | 10,396 | 0.68% | 252 | +18.37% | 865 | +14.63% | 9.66% |
Filings
Annual reports3
Concall transcripts26
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptJun 2026PPTJun 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025TranscriptNov 2024PPTNov 2024TranscriptAug 2024PPTAug 2024RECAug 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 28 Oct - Advance Intimation of Schedule of Analysts / Investor Call to discuss the Unaudited Financial Results of the Company for the quarter and half year ended …Board Meeting Intimation for To Consider And Approve The Standalone And Consolidated Unaudited Financial Results Along With Limited Review Report Of The Joint Statutory Auditors For The Quarter And Half Year Ended September 30, 2026. 28 Oct - Board to meet on November 5, 2026 to approve Q2 and half-year FY27 unaudited results.Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 28 OctAnnouncement under Regulation 30 (LODR)-Change in Management 21 Oct - Deo Shankar Tripathi retires as Executive Vice Chairman; appointed Interim Non-Executive Chairperson22 October 2026.Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 21 Oct