Aadhar Housing Finance Limited
₹422.00-₹17.50 (-4.0%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹20,954 Cr
- P/E
- 21.2x
- Revenue
- ₹3,107 Cr
- ROCE
- 17.4%
Price chart
Technical chartScreen technicals →-17.9% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -3.1%
- 3M
- -14.6%
- 6M
- -13.7%
- 1Y
- -17.9%
- 5Y
- +20.3%
52-week range
Day change -₹17.50 (-4.0%) from ₹440 to ₹422 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in AADHARHFC, bought on each weekday since 2024.
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 31.7%
Concerns1
- Negative free cash flow (₹2867 Cr)
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 43.4 Cr shares
- ISIN
- INE883F01010
- BSE code
- 544176
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹20,954 Cr
- P/E
- 21.2x
- P/B
- 3.0x
- Earnings yield
- 4.7%
- 52-week high
- ₹556.55
- 52-week low
- ₹422.00
Profitability
- ROE
- 14.3%
- ROCE
- 17.4%
- Dividend payout
- 0.0%
- Tax rate
- 22.0%
- Other income, % of PBT
- 0.0%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹3,107 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 20.1%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 13.5%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 100.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 21.8%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 31.7%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹2,553 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 120.7%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹523 Cr
Solvency and efficiency
- CFO / Net profit
- -3.41
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹29 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹1,174 Cr |
| Revenue | Expenses | ₹735 Cr |
| Revenue | Financing profit | ₹1,198 Cr |
| Financing profit | Depreciation | ₹25 Cr |
| Financing profit | Profit before tax | ₹1,173 Cr |
| Other income | Profit before tax | ₹1 Cr |
| Profit before tax | Tax and other | ₹262 Cr |
| Profit before tax | Net profit | ₹912 Cr |
Revenue and net profit
Revenue grew 20.1% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹1,550 Cr | ₹340 Cr |
| FY2022 | ₹1,693 Cr | ₹445 Cr |
| FY2023 | ₹1,994 Cr | ₹545 Cr |
| FY2024 | ₹2,587 Cr | ₹749 Cr |
| FY2025 | ₹3,107 Cr | ₹912 Cr |
Cash flows
FY2025: -₹3,026 Cr from operations, -₹2,867 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹1,781 Cr | -₹2,262 Cr |
| FY2022 | -₹907 Cr | -₹84 Cr |
| FY2023 | -₹1,157 Cr | -₹1,632 Cr |
| FY2024 | -₹2,553 Cr | -₹1,827 Cr |
| FY2025 | -₹3,026 Cr | -₹2,867 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹3,107 Cr+20.1%1Y
- Net profit
- ₹912 Cr+21.8%1Y
- Cash from operations
- -₹3,026 Cr
- Free cash flow
- -₹2,867 Cr
- Revenue CAGR, 5Y
- 13.5%
- Net profit CAGR, 5Y
- 31.7%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹3,107 Cr | ₹1,198 Cr | — | ₹912 Cr | -₹3,026 Cr | -₹2,867 Cr | — | +20.1% | +21.8% |
Monthly returns
Month-by-month returns of AADHARHFC across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹23,216 Cr |
| Equity capital | ₹431 Cr |
| Reserves | ₹5,937 Cr |
| Borrowings | ₹16,322 Cr |
| Other liabilities | ₹526 Cr |
| Assets | ₹23,216 Cr |
| Fixed assets | ₹92 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹509 Cr |
| Other assets | ₹22,616 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
AADHARHFC trades at 21.2x earnings against a peer median of 26.9x (a 21% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Aadhar Housing Finance LimitedAADHARHFCthis companyP/E ↓ discount | ₹20,954 Cr | 21.2x | 3.0x | 14.3% | — |
| Bandhan Bank LimitedBANDHANBNK | ₹23,103 Cr | 18.8x | 0.9x | 11.2% | — |
| ANGEL ONE LIMITEDANGELONE | ₹22,144 Cr | 26.0x | 3.8x | 21.7% | 13.1x |
| National Securities Depository LimitedNATIONAL | ₹20,703 Cr | 63.3x | 10.5x | 17.8% | 60.7x |
| CreditAccess Grameen Ltd.CREDITACC | ₹20,641 Cr | 154.0x | 2.9x | 7.6% | — |
| City Union Bank LtdCUB | ₹20,548 Cr | 17.0x | 2.1x | 11.9% | — |
| JSW Holdings LimitedJSWHL | ₹20,014 Cr | 170.0x | 0.6x | 0.6% | 126.1x |
| PUNJAB & SIND BANKPSB | ₹19,385 Cr | 16.7x | 1.4x | 7.6% | — |
| RBL Bank LimitedRBLBANK | ₹18,851 Cr | 39.3x | 1.2x | 4.5% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
AADHARHFC since 1 January, against earlier years.
Historical volatility
AADHARHFC's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 29.0% |
| FY2022 | 34.0% |
| FY2023 | 37.0% |
| FY2024 | 38.0% |
| FY2025 | 39.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹3,107 Cr |
| Costs | |
| Interest | ₹1,174 Cr |
| Expenses | ₹736 Cr |
| Financing profitFinancing Profit | ₹1,198 Cr |
| Financing marginFinancing Margin % | 39.0% |
| Other income and charges | |
| Profit before tax | ₹1,174 Cr |
| Tax | |
| Net profitNet Profit | ₹912 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹23,216 Cr |
| Equity capitalEquity Capital | ₹431 Cr |
| Reserves | ₹5,937 Cr |
| BorrowingsBorrowing | ₹16,322 Cr |
| Other liabilitiesOther Liabilities | ₹526 Cr |
| AssetsTotal Assets | ₹23,216 Cr |
| Fixed assetsFixed Assets | ₹92 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹509 Cr |
| Other assetsOther Assets | ₹22,616 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹3,026 Cr |
| Investing cash flowCash from Investing Activity | ₹159 Cr |
| Financing cash flowCash from Financing Activity | ₹3,389 Cr |
| Change in cashNet Cash Flow | ₹523 Cr |
Learn while you research
Academy chapters picked for Aadhar Housing Finance Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing20% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read