Aadhar Housing Finance Ltd (AADHARHFC)
₹495.00
Mkt cap
₹21,648 Cr
P/E ratio
19.50
P/B
2.86
Div yield
0.00%
ROE
15.90%
ROCE
11.40%
EPS (TTM)
₹25.38
Book value
₹173
52W range
439–557
Sector
Financial Services
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]
Health check
Cautious
ValuationExpensive
ProfitabilityAverage
TechnicalsNeutral
52-week range
−11.05% from high₹495
₹439+12.73% from low₹557
Current
₹495.00
Prev close
₹495.25
Day
−0.05%
Price performance
1D
−0.05%
1W
−3.05%
1M
−4.53%
3M
+1.41%
6M
+5.31%
1Y
−1.54%
YTD
−1.11%
Financials
FRevenue, profit & margin
P/E ratio
19.5×
AADHARHFC is 30% above the sector median of 15.0×
AADHARHFC19.5×
Sector median15.0×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 555 | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 985 | |
| Interest | 213 | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 | 348 | 343 | |
| Expenses | 133 | 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 | 214 | 240 | |
| Financing Profit | 209 | 192 | 258 | 266 | 264 | 263 | 299 | 314 | 321 | 309 | 348 | 382 | 401 | |
| Financing Margin % | 38% | 32% | 41% | 40% | 38% | 37% | 39% | 39% | 39% | 36% | 39% | 40% | 41% | |
| Other Income | -25 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | -15 | 8 | |
| Depreciation | 4 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 11 | |
| Profit before tax | 180 | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 | 360 | 398 | |
| Tax % | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | |
| Net Profit | 141 | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 | 281 | 311 | |
| EPS in Rs | 3.56 | 3.71 | 5.00 | 5.17 | 5.11 | 4.69 | 5.29 | 5.56 | 5.68 | 5.49 | 6.15 | 6.48 | 7.14 | |
| 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% | ||
| Net NPA % | 1.10% | 0.90% | 0.97% | 0.70% | 0.90% | 0.90% | 0.95% | 0.70% | 1.01% | 0.80% | ||||
| Raw PDF |
Earnings
EResults dates & reactionsNext results
31 Jul '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +0.48% · closed higher next day 3 of last 9
| Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26† | Q3FY26 | Q4FY26† | |
|---|---|---|---|---|---|---|---|---|---|
| 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◦ | 13 Jul '26 |
| Earnings day | +1.01% | +2.11% | −0.92% | +2.09% | −2.17% | +4.06% | +0.79% | −2.95% | +0.25% |
| +1 day | +2.31% | +0.79% | −6.09% | −2.20% | −2.35% | +2.56% | −0.42% | −2.86% | −2.92% |
| +5 days | +7.69% | −5.85% | −8.99% | −2.15% | −3.05% | +0.75% | +0.47% | −2.81% | −4.49% |
| +15 days | +14.16% | −6.85% | −6.17% | −3.94% | −5.38% | +1.22% | −1.97% | −4.34% | — |
| +30 days | +31.11% | +19.23% | −8.85% | +3.41% | −5.27% | +4.31% | −1.21% | −2.19% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Jun 202664.66%Promoter
Promoters64.66%0.24
FIIs5.80%0.33
DIIs9.92%0.77
Public19.61%0.22
Ownership trend
Peers
P7 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 | ₹84.19 | 27.28 | 70,150 | 0.00% | 669 | +14.06% | 2,903 | +15.92% | 8.85% |
| Piramal Finance. | ₹2,085.40 | 105.30 | 47,271 | 0.53% | 461 | +66.80% | 3,368 | +27.62% | 6.47% |
| LIC Housing Fin. | ₹538.95 | 5.29 | 29,646 | 1.86% | 1,493 | +8.68% | 7,212 | −1.25% | 8.59% |
| PNB Housing | ₹1,058.00 | 12.03 | 27,570 | 0.76% | 656 | +19.15% | 2,182 | +7.90% | 9.40% |
| Aadhar Hsg. Fin. | ₹495.00 | 19.52 | 21,648 | 0.00% | 311 | +26.99% | 985 | +18.25% | 11.38% |
| Sammaan Capital | ₹160.64 | — | 18,659 | 0.00% | −8,101 | −594.46% | 1,358 | −35.58% | 4.92% |
| Aptus Value Hou. | ₹277.15 | 14.72 | 13,879 | 1.62% | 261 | +26.04% | 574 | +18.66% | 15.41% |
| Median: 14 Co. | ₹516.98 | 14.96 | 13,075 | 0.65% | 216 | +23.30% | 847 | +14.43% | 9.66% |
Filings
DConcall transcripts23
TranscriptJun 2026PPTJun 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025TranscriptNov 2024PPTNov 2024TranscriptAug 2024PPTAug 2024RECAug 2024TranscriptJun 2024PPTJun 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 20 Jul - Q1FY27 earnings call scheduled for 31 July 2026 at 18:00 IST.Board Meeting Intimation for To Consider And Approve The Standalone And Consolidated Unaudited Financial Results Along With The Limited Review Report Of The Joint Statutory Auditors For The Quarter Ended June 30, 2026. 20 Jul - Board meeting on July 31, 2026 to approve Q1 FY2027 unaudited standalone and consolidated results.Announcement under Regulation 30 (LODR)-Allotment 20 Jul - Allotted 35,000 NCDs worth Rs 350 crore on private placement basis on July 20, 2026.Announcement under Regulation 30 (LODR)-Newspaper Publication 11 Jul - Newspaper Advertisement regarding dispatch of Notice of the 36th Annual General Meeting of the CompanyLetter To The Shareholders - Annual Report FY 2025-26 10 Jul - Annual report FY26 and 36th AGM notice dispatched; AGM on August 6, 2026.