Aadhar Housing Finance Ltd (AADHARHFC)
₹474.50
Mkt cap
₹21,189 Cr
P/E ratio
18.40
P/B
2.74
Div yield
0.00%
ROE
15.90%
ROCE
11.40%
EPS (TTM)
₹25.79
Book value
₹173
52W range
439–557
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
TechnicalsNeutral
52-week range
−14.73% from high₹475
₹439+8.06% from low₹557
Current
₹474.50
Prev close
₹485.00
Day
−2.16%
Price performance
1D
−2.16%
1W
+1.37%
1M
−6.30%
3M
+1.42%
6M
+4.72%
1Y
−5.45%
YTD
−5.20%
Financials
Revenue, profit & margin
P/E ratio
18.4×
AADHARHFC is 40% above the sector median of 13.2×
AADHARHFC18.4×
Sector median13.2×
| 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 & reactionsNo upcoming results date on calendar.
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% | — |
| 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 Jun 202664.66%Promoter
Promoters64.66%0.24
FIIs5.80%0.33
DIIs9.92%0.77
Public19.61%0.22
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 |
|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹83.08 | 25.62 | 69,225 | 0.00% | 715 | +22.63% | 3,063 | +17.10% | 8.85% |
| PIRAMALFIN | ₹2,225.00 | 117.28 | 52,650 | 0.49% | 461 | +66.80% | 3,368 | +27.62% | 6.47% |
| LICHSGFIN | ₹562.05 | 5.39 | 30,916 | 1.78% | 1,499 | +9.90% | 7,083 | −1.44% | 8.59% |
| PNBHOUSING | ₹1,166.00 | 12.94 | 30,410 | 0.69% | 555 | +4.28% | 2,253 | +9.14% | 9.44% |
| AADHARHFC | ₹483.55 | 18.37 | 21,189 | 0.00% | 282 | +19.00% | 993 | +17.06% | 11.38% |
| SAMMAANCAP | ₹158.39 | — | 18,398 | 0.00% | 243 | −27.22% | 1,652 | −31.18% | 4.92% |
| APTUS | ₹258.85 | 13.17 | 12,964 | 1.74% | 261 | +19.01% | 600 | +15.38% | 15.41% |
| Median: 14 Co. | ₹522.80 | 13.17 | 12,808 | 0.59% | 252 | +19.79% | 851 | +14.16% | 9.68% |
Filings
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
Disclosure Under Regulation 30 Of The SEBI (LODR) Regulations, 2015 ('SEBI Listing Regulations') - ESG Rating 3 Sep - NSE Sustainability assigned Aadhar Housing Finance an ESG rating of 71 for FY2026.Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 1 SepAnnouncement under Regulation 30 (LODR)-Credit Rating 28 Aug - India Ratings upgraded Aadhar Housing Finance debt to IND AA+ Stable on ₹12,250 crore instruments.Compliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 28 AugCompliances-Reg. 57 (1) - Certificate of interest payment/Principal in case of NCD 27 Aug