AADHARHFC

Aadhar Housing Finance Ltd.

NSE: AADHARHFC

BSE: 544176

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

555.60+19.9 (+3.71%)

3 Jul, 3:30 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

48.2 / 100

Value Score

39.9 / 100

Price Momentum Score

84.1 / 100

QVM Score

62.0 / 100

Key Metrics

Market Cap

23428.10

P/E (TTM)

21.38

P/B

3.11

P/S (TTM)

6.38

EV/EBITDA

14.12

CAPE (5Y)

31.00

ROE (TTM)

15.75

ROCE (TTM)

11.58

ROA (TTM)

4.33

Avg 3Y ROE

17.00

Earnings 3Y CAGR

24.71

Sales 3Y CAGR

21.59

Sales 5Y CAGR

18.45

Debt/Equity

2.49

Consensus TP

617.50

Strong Buy %

66.67

Promoter Holding

64.90

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Aadhar Housing Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Strong price momentum

Price Momentum score of 84.1 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

84.1 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 0.08% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Not enough data

High and stable ROE

The company reported strong ROE of 15.75% for 12-month ended 31 Mar 2026 and ROE declined marginally by -110 bps from 1 year ago

What is ROE (FY)?

High and stable operating margin

The company reported strong operating margin of 77.32% for 12-month ended 31 Mar 2026 and operating margin declined marginally by 0 bps from 1 year ago

What is Operating profit margin?

Moderate revenue growth and above median growth of industry

The company delivered moderate revenue growth of 18.18% for 12-month ended 31 Mar 2026 and the growth was 5.71 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 12.47

Value 18.18

-31.2666.22

Moderate EPS growth and above median growth of industry

The company delivered moderate EPS growth of 18.8% for 12-month ended 31 Mar 2026 and the growth was 4.67 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Negative

High Debt to Equity, not much change from last year

The company has reasonable Debt to Equity of 2.49 as on 31 Mar 2026 and Debt to Equity decreased marginally by 0.08 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 3.11 indicates that the stock is reasonably valued on a standalone basis but is at a 93.17% premium to industry median P/B

What is P/B Ratio?

Median: 1.61

Value 3.11

0.3912.29

Financial Snapshot

See detailed analysis

Multi-year trends for Aadhar Housing Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Aadhar Housing Finance Ltd. Shareholding Pattern

Quarterly breakdown of Aadhar Housing Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Jun 2014	Jul 2015	Mar 2016	Mar 2017	Aug 2018	Jul 2019	Mar 2020	Mar 2021	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	93.70	94.80	94.80	94.80	69.98	80.76	98.74	98.72	76.48	75.89	75.74	75.61	75.50	75.32	75.19	64.90
Indian Promoter	93.70	94.80	94.80	94.80	69.98	80.76	0.00	0.00	-	-	-	-	-	-	-	-
Foreign Promoter	0.00	0.00	0.00	0.00	0.00	0.00	98.74	98.72	76.48	75.89	75.74	75.61	75.50	75.32	75.19	64.90
Institutions	4.20	4.20	4.20	4.20	0.00	18.77	1.18	0.00	12.67	13.79	13.57	13.89	14.02	14.36	14.63	15.28
Mutual Funds / UTI	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	5.00	5.84	5.77	5.16	5.24	5.14	5.29	5.53
FI/Bank/Insurance	4.20	4.20	4.20	4.20	0.00	1.85	1.18	0.00	2.17	2.31	2.16	2.14	1.95	1.76	1.89	2.03
Govt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	0.00	16.92	0.00	0.00	4.18	4.32	4.30	5.32	5.58	6.11	6.19	6.13
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.33	1.31	1.34	1.28	1.24	1.35	1.27	1.59
Non-Institution	2.10	1.00	1.01	1.01	30.02	0.47	0.08	1.28	10.85	10.33	10.69	10.50	10.48	10.33	10.17	19.81
Bodies Corporate	0.00	0.34	0.34	0.34	0.00	0.16	0.00	0.00	2.93	2.62	2.57	2.52	2.49	2.38	2.25	2.00
Others (incl. Retail) No. of shareholders	2.10 0	0.66 0	0.67 0	0.67 0	30.02 0	0.31 0	0.08 0	1.28 0	7.92 2,39,179	7.71 2,19,718	8.12 2,18,939	7.98 2,08,805	7.99 2,02,113	7.95 1,97,240	7.92 1,93,468	17.81 1,84,125

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Housing Finance Company	11.47%	4 / 12
2	Nifty Smallcap 250	0.25%	167 / 249
3	Nifty 500	0.03%	366 / 499
4	Nifty Total Market	0.03%	452 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Aadhar Housing Finance Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
BCP Topco VII Pte. Ltd. Promoter	February-2026	Off Market (Disposal) 27th Feb 2026	75.19 %	₹ 425.00	32.62 cr	₹ 13863.10 cr
Anmol Gupta Designated Person	September-2024	Market Sale (Disposal) 30th Sep 2024	0.04 %	₹ 495.00	5.00 k	₹ 24.75 lac
Rajesh K L Designated Person	September-2024	Market Sale (Disposal) 30th Sep 2024	0.01 %	₹ 490.41	2.50 k	₹ 12.26 lac
Vikramsingh Banayat Designated Person	September-2024	Market Sale (Disposal) 30th Sep 2024	0.00 %	₹ 494.00	50.00	₹ 24.70 k
Anmol Gupta Designated Person	September-2024	Market Sale (Disposal) 30th Sep 2024	0.04 %	₹ 492.50	10.00 k	₹ 49.25 lac
Anil Jain Designated Person	September-2024	Market Sale (Disposal) 27th Sep 2024	0.01 %	₹ 503.67	12.00	₹ 6.04 k
Anmol Gupta Designated Person	September-2024	Market Sale (Disposal) 27th Sep 2024	0.04 %	₹ 510.00	5.00 k	₹ 25.50 lac
Madhur Bhatnagar Designated Person	September-2024	Market Sale (Disposal) 27th Sep 2024	0.01 %	₹ 513.20	5.00 k	₹ 25.66 lac
Suraj Shetty Designated Person	September-2024	Market Sale (Disposal) 27th Sep 2024	0.01 %	₹ 503.63	8.00	₹ 4.03 k
Nirav Shah Designated Person	September-2024	Market Sale (Disposal) 26th Sep 2024	0.00 %	₹ 509.00	2.00 k	₹ 10.18 lac

…

No corporate action data available.

Company Profile

Overview of Aadhar Housing Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Aadhar Housing Finance Limited is an India-based retail-focused housing finance company (HFC) that primarily serves the low-income housing segment. It primarily targets economically weaker and low-to-middle-income individuals seeking small-ticket mortgage loans. Most customers are first-time home bu...

Key personnel

Mr. Rajesh Viswanathan

Chief Financial Officer

Mr. R. Anil Kumar Nair

Chief Operating Officer

Ms. Harshada Shashank Pathak

Company Secretary, Compliance Officer

Mr. Om Prakash BhattD

Non-Executive Independent Chairman of the Board

Mr. Rishi AnandD

Chief Executive Officer, Managing Director, Executive Director

Mr. Deo Shankar TripathiD

Executive Vice Chairman

Amit DixitD

Non-Executive Nominee Director

Mr. Mukesh Gulraj MehtaD

Non-Executive Nominee Director

View all

Incorporated on

26 Nov 1990

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

15 May 2024

Free Float

11,02,95,904

Website

https://aadharhousing.com/

Phone no.

+912239509900

Address

Unit No. 802, Natraj Rustomjee, Western Express Highway and M.V.Road, MUMBAI, 400069, India

Frequently Asked Questions

What is the current share price of Aadhar Housing Finance Ltd.?

The current share price of Aadhar Housing Finance Ltd. is ₹ 555.60 as of 3 Jul 2026.

What is the market capitalisation of Aadhar Housing Finance Ltd.?

The market capitalisation of Aadhar Housing Finance Ltd. stands at ₹ 23,428.10 Cr.

What is the PE ratio of Aadhar Housing Finance Ltd.?

The Price-to-Earnings (PE) ratio of Aadhar Housing Finance Ltd. is 21.38 as of the latest trailing twelve months data.

What is the ROE and ROCE of Aadhar Housing Finance Ltd.?

Aadhar Housing Finance Ltd. has a Return on Equity (ROE) of 15.75% and a Return on Capital Employed (ROCE) of 11.58% as per the latest financial reports.

What is the 52-week high and low of Aadhar Housing Finance Ltd.?

The 52-week high of Aadhar Housing Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of Aadhar Housing Finance Ltd.?

The dividend yield of Aadhar Housing Finance Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Aadhar Housing Finance Ltd.?

Foreign Institutional Investors (FII) hold 6.13%, Domestic Institutional Investors (DII) hold 7.56% and retail/public investors hold 17.81% of Aadhar Housing Finance Ltd. shares.

What sector does Aadhar Housing Finance Ltd. belong to?

Aadhar Housing Finance Ltd. operates in the Financial Services sector. 100% of analysts have a Buy or Strong Buy rating on Aadhar Housing Finance Ltd. with a consensus target price of ₹ 617.50, implying 15.27% upside from current levels.

What is the beta of Aadhar Housing Finance Ltd.?

The beta of Aadhar Housing Finance Ltd. is 0.68, indicating its price volatility relative to the broader market. Over the past 1 year, Aadhar Housing Finance Ltd. has delivered an absolute return of 23.36%.

What is the RSI of Aadhar Housing Finance Ltd.?

The 14-day Relative Strength Index (RSI) of Aadhar Housing Finance Ltd. is 68.72, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Aadhar Housing Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Aadhar Housing Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Company Profile