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 StockRule-based from financial data. Not advice.
Historically, Sep has averaged the highest return (+11.6%); Aug the lowest (-7.4%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% |
| 2024 | β | 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 |
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.
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. βSimpleβ counts each month as +1 or β1. βWeightedβ gives larger moves more influence: +2 above +10%, β2 below β10%. With only 3 years of history for this asset, each monthβs score reflects a small number of observations β read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the assetβs 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 return is calculated by dividing each dayβs closing price by the price on January 1st of that year (or the assetβs 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 βAverage fromβ, 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 (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 10 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 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1,240 | 1,372 | 1,550 | 1,693 | 1,994 | 2,587 | 3,107 | 3,375 |
| Finance Costs | 731 | 793 | 816 | 761 | 799 | 987 | 1,174 | 1,285 |
| Total Expenses | 254 | 333 | 290 | 351 | 458 | 619 | 736 | 797 |
| Financing Profit | 255 | 245 | 444 | 580 | 737 | 980 | 1,198 | 1,293 |
| Financing Margin % | 21% | 18% | 29% | 34% | 37% | 38% | 39% | 38% |
| Other Income | -14 | -2 | 0 | 0 | -25 | 0 | 1 | 7 |
| Depreciation & Amortisation | 5 | 12 | 11 | 13 | 16 | 21 | 25 | 27 |
| Profit Before Tax | 235 | 231 | 432 | 567 | 696 | 959 | 1,174 | 1,272 |
| Tax % | 31% | 18% | 21% | 22% | 22% | 22% | 22% | - |
| Net Profit / PAT | 162 | 189 | 340 | 445 | 545 | 749 | 912 | 988 |
| EPS (βΉ) | 64.51 | 47.99 | 8.61 | 11.26 | 13.80 | 18.96 | 21.14 | 22.87 |
| Dividend Payout % | 11% | 0% | 0% | 0% | 0% | 0% | 0% | - |
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% |
