AADHARHFC
Aadhar Housing Finance Limited (AADHARHFC) Stock Analysis
Aadhar Housing Finance Limited is an Indian housing finance company focused on affordable and middle-income home loans. It originates, services, and securitizes housing loans through branches and digital channels across several states. The company is part of the growing affordable housing finance segment in India. It was listed after being demerged from its parent housing finance group.
Financial Services › Mortgage Finance
₹447.00
+0.76% 1W | -12.30% 52W
Market Cap
19.6k CR
P/E Ratio
17.4
52W High
₹563
52W Low
₹427.3
Div. Yield
0%
Beta
0.4
50 DMA
₹466.9
200 DMA
₹479.1
Profit Margin
48.2%
Inst. Own.
11.8%
🚀 BREAKOUT
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 593 | 629 | 673 | 692 | 713 | 764 | 798 | 833 | 848 | 897 | 943 | 985 | 993 |
| Interest | 235 | 239 | 251 | 262 | 277 | 285 | 297 | 315 | 332 | 342 | 348 | 343 | 376 |
| Expenses | 166 | 132 | 156 | 166 | 173 | 180 | 187 | 197 | 207 | 208 | 214 | 240 | 248 |
| Financing Profit | 192 | 258 | 266 | 264 | 263 | 299 | 314 | 321 | 309 | 348 | 382 | 401 | 368 |
| Financing Margin % | 32% | 41% | 40% | 38% | 37% | 39% | 39% | 39% | 36% | 39% | 40% | 41% | 37% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 3 | 2 | -15 | 8 | 4 |
| Depreciation | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 11 | 9 |
| Profit before tax | 187 | 253 | 261 | 259 | 257 | 292 | 308 | 316 | 305 | 343 | 360 | 398 | 364 |
| Tax % | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% | 22% |
| Net Profit | 146 | 197 | 204 | 202 | 200 | 228 | 239 | 245 | 237 | 266 | 281 | 311 | 282 |
| EPS in Rs | 3.71 | 5.00 | 5.17 | 5.11 | 4.69 | 5.29 | 5.56 | 5.68 | 5.49 | 6.15 | 6.48 | 7.14 | 6.46 |
| 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% | 1.31% |
| Net NPA % | 1.10% | 0.90% | 0.97% | 0.70% | 0.90% | 0.90% | 0.95% | 0.70% | 1.00% | 1.01% | 0.80% | 0.90% |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,266 | 1,388 | 1,575 | 1,728 | 2,043 | 2,587 | 3,109 | 3,683 | 3,817 |
| Interest | 732 | 793 | 816 | 761 | 799 | 987 | 1,174 | 1,364 | 1,409 |
| Expenses | 276 | 350 | 316 | 387 | 507 | 619 | 736 | 868 | 910 |
| Financing Profit | 258 | 245 | 444 | 580 | 737 | 981 | 1,199 | 1,451 | 1,499 |
| Financing Margin % | 20% | 18% | 28% | 34% | 36% | 38% | 39% | 39% | 39% |
| Other Income | -14 | -2 | -0 | 0 | -25 | -0 | -0 | -13 | -0 |
| Depreciation | 9 | 12 | 11 | 13 | 16 | 21 | 25 | 32 | 34 |
| Profit before tax | 235 | 231 | 433 | 567 | 696 | 960 | 1,173 | 1,406 | 1,464 |
| Tax % | 31% | 18% | 21% | 22% | 22% | 22% | 22% | 22% | |
| Net Profit | 162 | 189 | 340 | 445 | 545 | 750 | 912 | 1,096 | 1,141 |
| EPS in Rs | 64.37 | 47.99 | 8.62 | 11.27 | 13.80 | 18.99 | 21.14 | 25.15 | 26.23 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 22.0% | 19.0% | – |
| Profit CAGR | 25.0% | 27.0% | – |
Shareholding Pattern
Promoters75.50%
FIIs5.58%
DIIs8.43%
Public10.48%
Promoters75.32%
FIIs6.11%
DIIs8.25%
Public10.33%
Promoters75.19%
FIIs6.19%
DIIs8.45%
Public10.17%
Promoters64.90%
FIIs6.13%
DIIs9.15%
Public19.83%
Promoters64.66%
FIIs5.80%
DIIs9.92%
Public19.61%
Promoters75.61%
FIIs5.32%
DIIs8.58%
Public10.51%
Promoters64.90%
FIIs6.13%
DIIs9.15%
Public19.83%
Promoters64.66%
FIIs5.80%
DIIs9.92%
Public19.61%
AADHARHFC
Holdings Analysis
Key strengths & risk signals
70
Overall
93
Fundamental
48
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
WEAK POSITION! Current price (447.0) is below both moving averages.
WEAK YEAR! Stock declined 12.3% in the last year.
WEAK! Trading at 14.5% of 52W range - near yearly lows.
Strengths (4)
EXCELLENT EFFICIENCY! 48.2% profit margin - company keeps strong profits.
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
NEUTRAL! RSI at 44.6 - balanced momentum.
Fundamental & Technical Analysis
70Overall
93Fundamental
48Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 21.7% (EXCELLENT, 15/15). Profit CAGR: 26.2% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 48.2% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.66 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 10.86% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (466.9) is below 200-day average (479.1) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (447.0) is below both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 12.3% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 256,724 vs down days: 343,603. Ratio: 0.75x
RSI
3/5
NEUTRAL! RSI at 44.6 - balanced momentum.
52W Range
1/5
WEAK! Trading at 14.5% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.8% (1 week), -2.5% (1 month), -13.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
AADHARHFC
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-04 | Concall PDF | |
| Q4FY262026-05-11 | Concall PDF | |
| Q3FY262026-02-04 | Concall PDF | |
| Q2FY262025-11-11 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| LICHSGFIN | ₹521.00 | 5 | 65.2% | 10.3% | 24.7% | -5.9% | 70 | BREAKDOWN | +9.9% | +0.4% | -2.4% | -12.6% |
Data from TradeAlone · Updated daily
