NSE / BSEFinancial Services
β‚Ή497.35-4.35-0.87%
P/E21.2Mkt Capβ‚Ή20.95 K CrEV/EBITDA0.0

Aadhar Housing Finance Limited

P/E21.2Mkt Capβ‚Ή20.95 K CrEV/EBITDA0.0
Company Profile

Aadhar Housing Finance Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties. It also provides loans against property; and other property related services. It serves individuals, companies, corporations, societies, and association of persons. The company was formerly known as DHFL Vysya Housing Finance Limited and changed its name to Aadhar Housing Finance Limited in August 2017. Aadhar Housing Finance Limited was incorporated in 1990 and is based in Mumbai, India.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 3.70% over 1Y
Monthly Returns

Historically, Sep has averaged the highest return (+11.6%); Aug the lowest (-7.4%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+1.2%Neutral MonthJan 2026: +1.21%-6.2%Negative MonthFeb 2026: -6.17%-2.3%Negative MonthMar 2026: -2.29%+8.7%Positive MonthApr 2026: +8.69%-2.8%Negative MonthMay 2026: -2.77%+8.4%Positive MonthJun 2026: +8.43%-3.5%*Negative MonthJul 2026: -3.50%β€”β€”β€”β€”β€”
2025-5.7%Negative MonthJan 2025: -5.74%-4.4%Negative MonthFeb 2025: -4.37%+11.3%Positive MonthMar 2025: +11.26%+10.0%Positive MonthApr 2025: +10.05%-4.7%Negative MonthMay 2025: -4.73%+2.6%Positive MonthJun 2025: +2.56%+11.2%Positive MonthJul 2025: +11.21%-0.8%Neutral MonthAug 2025: -0.83%+1.3%Neutral MonthSep 2025: +1.33%+0.1%Neutral MonthOct 2025: +0.07%-5.6%Negative MonthNov 2025: -5.59%+0.7%Neutral MonthDec 2025: +0.72%
2024β€”β€”β€”β€”β€”+19.0%Positive MonthJun 2024: +18.96%+9.3%Positive MonthJul 2024: +9.32%-13.9%Negative MonthAug 2024: -13.89%+21.9%Positive MonthSep 2024: +21.92%-6.3%Negative MonthOct 2024: -6.31%-1.5%Neutral MonthNov 2024: -1.47%-2.3%Negative MonthDec 2024: -2.33%
AvgΒ±SD-2.3%Β±3.5%-5.3%Β±0.9%+4.5%Β±6.8%+9.4%Β±0.7%-3.7%Β±1.0%+10.0%Β±6.8%+5.7%Β±6.5%-7.4%Β±6.5%+11.6%Β±10.3%-3.1%Β±3.2%-3.5%Β±2.1%-0.8%Β±1.5%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 3 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.026x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή Crores)

Revenue (10Y)

Operating Income (10Y)

Net Profit (10Y)

Operating Margin % (10Y)

Dividend Payout % (10Y)

Free Cash Flow (10Y)

Growth Summary

Latest fiscal year: Mar 2025

Revenueβ‚Ή3.11 K Crβ–² 20.1%
EBITDA Growthβ€”
Net Profitβ‚Ή912.00 Crβ–² 21.8%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 1167.3%
Revenue CAGR 5Y13.5%
EBITDA CAGR 5Y0.0%
Net Profit CAGR 5Y31.7%
NP Growth 1Y21.8%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή3.11 K Crβ€”β‚Ή912.00 Crβ€”β€”β€”20.1%21.8%
Mar 2024β‚Ή2.59 K Crβ€”β‚Ή749.00 Crβ€”β€”β€”29.7%37.4%
Mar 2023β‚Ή1.99 K Crβ€”β‚Ή545.00 Crβ€”β€”β€”17.8%22.5%
Mar 2022β‚Ή1.69 K Crβ€”β‚Ή445.00 Crβ€”β€”β€”9.2%30.9%
Mar 2021β‚Ή1.55 K Crβ€”β‚Ή340.00 Crβ€”β€”β€”13.0%79.9%
Mar 2020β‚Ή1.37 K Crβ€”β‚Ή189.00 Crβ€”β€”β€”10.6%16.7%
Mar 2019β‚Ή1.24 K Crβ€”β‚Ή162.00 Crβ€”β€”β€”β€”β€”

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue1,2401,3721,5501,6931,9942,5873,1073,375
Finance Costs7317938167617999871,1741,285
Total Expenses254333290351458619736797
Financing Profit2552454445807379801,1981,293
Financing Margin %21%18%29%34%37%38%39%38%
Other Income-14-200-25017
Depreciation & Amortisation512111316212527
Profit Before Tax2352314325676969591,1741,272
Tax %31%18%21%22%22%22%22%-
Net Profit / PAT162189340445545749912988
EPS (β‚Ή)64.5147.998.6111.2613.8018.9621.1422.87
Dividend Payout %11%0%0%0%0%0%0%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Aadhar Housing Finance Limitedthis co.β‚Ή20.95 K Crβ‚Ή3.11 K Cr21.203.040.0020.1%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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