Aadhar Housing Finance Limited
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
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 31.7%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ 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
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 7 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ3.11 K Cr | β | βΉ912.00 Cr | β | β | β | 20.1% | 21.8% |
| Mar 2024 | βΉ2.59 K Cr | β | βΉ749.00 Cr | β | β | β | 29.7% | 37.4% |
| Mar 2023 | βΉ1.99 K Cr | β | βΉ545.00 Cr | β | β | β | 17.8% | 22.5% |
| Mar 2022 | βΉ1.69 K Cr | β | βΉ445.00 Cr | β | β | β | 9.2% | 30.9% |
| Mar 2021 | βΉ1.55 K Cr | β | βΉ340.00 Cr | β | β | β | 13.0% | 79.9% |
| Mar 2020 | βΉ1.37 K Cr | β | βΉ189.00 Cr | β | β | β | 10.6% | 16.7% |
| Mar 2019 | βΉ1.24 K Cr | β | βΉ162.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 3,375 |
| Finance Costs | 1,285 |
| Total Expenses | 797 |
| Financing Profit | 1,293 |
| Financing Margin % | 38% |
| Other Income | 7 |
| Depreciation & Amortisation | 27 |
| Profit Before Tax | 1,272 |
| Tax % | - |
| Net Profit / PAT | 988 |
| EPS (βΉ) | 22.87 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Aadhar Housing Finance Limitedthis co. | βΉ20.95 K Cr | βΉ3.11 K Cr | 21.20 | 3.04 | 0.00 | 20.1% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |