Aadhar Housing Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Strong return on equity (ROE 15.9%)
- Attractively valued vs sector (P/E 16.7x vs industry 33.1x)
- Near 52-week low — potential value zone (₹425)
Concerns
- Heavy debt load (D/E 2.5x)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
AADHARHFC · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 76.48% | 75.89% | 75.74% | 75.61% | 75.50% | 75.32% |
| FII | 4.18% | 4.32% | 4.30% | 5.32% | 5.58% | 6.11% |
| DII | 8.50% | 9.46% | 9.27% | 8.58% | 8.43% | 8.25% |
| Public | 10.86% | 10.33% | 10.69% | 10.51% | 10.48% | 10.33% |
Corporate Events
To consider and approve the Standalone and Consolidated Unaudited Financial Results along with the Limited ReviewReport of the Joint Statutory Auditors for the quarter and half year ended September 30, 2026
To consider and approve the Standalone and Consolidated Unaudited Financial Results along with the Limited Review Report of the Joint Statutory Auditors for the quarter ended June 30, 2026
Latest News
All newsAadhar Housing receives ESG rating update
*Aadhar Housing receives ESG rating update.* The company's environmental, social, and governance (ESG) assessment has been disclosed in a recent NSE filing. This non-financial metric may influence investor sentiment over time. No immediate financial impact is expected. 📊 *STOCKS:* $AADHARHFC | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #ESG
Aadhar Housing Finance to hold investor meet
*Aadhar Housing Finance to hold investor meet.* The company has announced a schedule for its analyst and institutional investor meet. This event will provide updates on business performance and strategy. Investors await key insights on asset quality and growth plans. 📊 *STOCKS:* $AADHARHFC | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #InvestorMeet
Aadhar Housing discloses ESG rating under regulatory norms
*Aadhar Housing discloses ESG rating under regulatory norms.* The company filed an update under SEBI Listing Regulation 30 regarding its ESG rating. This is a routine disclosure and does not include financial or operational updates. No immediate market-moving implications are expected. 📊 *STOCKS:* AHFL | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #ESG
Aadhar Housing discloses ESG rating in regulatory filing
*Aadhar Housing discloses ESG rating in regulatory filing.* The company filed its ESG rating under SEBI's Listing Obligations and Disclosure Requirements. This is a routine compliance disclosure with no immediate financial impact. Investors may assess the ESG score for long-term risk evaluation. 📊 *STOCKS:* AHFL | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #ESG
Aadhar Housing Finance to host analyst and investor meet.
*Aadhar Housing Finance to host analyst and investor meet.* The company has scheduled a conference call for institutional investors and analysts to discuss business updates. Details on financial performance or strategy may be shared. No major announcements or material changes reported yet. 📊 *STOCKS:* AHFL | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #InvestorMeet
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹311 Cr 10.7% | ₹281 Cr 5.6% | ₹266 Cr 12.2% | ₹237 Cr 3.3% | ₹245 Cr 2.5% | ₹239 Cr 4.8% | ₹228 Cr 14.0% | ₹200 Cr |
| EPS (₹) | 7.14 10.2% | 6.48 5.4% | 6.15 12.0% | 5.49 3.3% | 5.68 2.2% | 5.56 5.1% | 5.29 12.8% | 4.69 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Expenses | ₹868 Cr 17.9% | ₹736 Cr 18.9% | ₹619 Cr 22.1% | ₹507 Cr 31.0% | ₹387 Cr 22.5% | ₹316 Cr 9.7% | ₹350 Cr 26.8% | ₹276 Cr |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Other Income | ₹-13 Cr | ₹0 Cr | ₹0 Cr 100.0% | ₹-25 Cr | ₹0 Cr | ₹0 Cr 100.0% | ₹-2 Cr 85.7% | ₹-14 Cr |
| Interest | ₹1.4K Cr 16.2% | ₹1.2K Cr 18.9% | ₹987 Cr 23.5% | ₹799 Cr 5.0% | ₹761 Cr 6.7% | ₹816 Cr 2.9% | ₹793 Cr 8.3% | ₹732 Cr |
| Depreciation | ₹32 Cr 28.0% | ₹25 Cr 19.0% | ₹21 Cr 31.3% | ₹16 Cr 23.1% | ₹13 Cr 18.2% | ₹11 Cr 8.3% | ₹12 Cr 33.3% | ₹9 Cr |
| PBT | ₹1.4K Cr 19.9% | ₹1.2K Cr 22.2% | ₹960 Cr 37.9% | ₹696 Cr 22.8% | ₹567 Cr 30.9% | ₹433 Cr 87.4% | ₹231 Cr 1.7% | ₹235 Cr |
| Tax % | 22.0% 0.0% | 22.0% 0.0% | 22.0% 0.0% | 22.0% 0.0% | 22.0% 4.8% | 21.0% 16.7% | 18.0% 41.9% | 31.0% |
| Net Profit | ₹1.1K Cr 20.2% | ₹912 Cr 21.6% | ₹750 Cr 37.6% | ₹545 Cr 22.5% | ₹445 Cr 30.9% | ₹340 Cr 79.9% | ₹189 Cr 16.7% | ₹162 Cr |
| EPS (₹) | 25.15 19.0% | 21.14 11.3% | 18.99 37.6% | 13.8 22.4% | 11.27 30.7% | 8.62 79.6% | 4.8 25.5% | 6.44 |
| Div Payout | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
Liabilities | ||||||||
| Equity Capital | ₹436 Cr 1.2% | ₹431 Cr 9.1% | ₹395 Cr 0.0% | ₹395 Cr 0.0% | ₹395 Cr 0.0% | ₹395 Cr 912.8% | ₹39 Cr 56.0% | ₹25 Cr |
| Reserves | ₹7.1K Cr 19.6% | ₹5.9K Cr 46.5% | ₹4.1K Cr 22.8% | ₹3.3K Cr 20.0% | ₹2.8K Cr 19.8% | ₹2.3K Cr 0.4% | ₹2.3K Cr 176.7% | ₹834 Cr |
| Borrowings | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹1.1K Cr 110.6% | ₹529 Cr 22.5% | ₹683 Cr 10.8% | ₹766 Cr 38.3% | ₹554 Cr 1.6% | ₹563 Cr 49.7% | ₹376 Cr 11.7% | ₹426 Cr |
| Total Liabilities | ₹27.4K Cr 18.0% | ₹23.2K Cr 21.6% | ₹19.1K Cr 14.9% | ₹16.6K Cr 15.6% | ₹14.4K Cr 5.5% | ₹13.6K Cr 10.2% | ₹12.4K Cr 30.4% | ₹9.5K Cr |
Assets | ||||||||
| Fixed Assets | ₹138 Cr 50.0% | ₹92 Cr 15.0% | ₹80 Cr 27.0% | ₹63 Cr 14.5% | ₹55 Cr 3.8% | ₹53 Cr 20.5% | ₹44 Cr 4.8% | ₹42 Cr |
| CWIP | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹637 Cr 24.2% | ₹513 Cr 11.0% | ₹462 Cr 0.7% | ₹459 Cr 35.8% | ₹338 Cr 32.0% | ₹497 Cr 1970.8% | ₹24 Cr 84.0% | ₹150 Cr |
| Other Assets | ₹26.6K Cr 17.7% | ₹22.6K Cr 21.9% | ₹18.6K Cr 15.3% | ₹16.1K Cr 15.1% | ₹14.0K Cr 6.9% | ₹13.1K Cr 6.4% | ₹12.3K Cr 32.4% | ₹9.3K Cr |
| Total Assets | ₹27.4K Cr 18.0% | ₹23.2K Cr 21.6% | ₹19.1K Cr 14.9% | ₹16.6K Cr 15.6% | ₹14.4K Cr 5.5% | ₹13.6K Cr 10.2% | ₹12.4K Cr 30.4% | ₹9.5K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-2.8K Cr 7.2% | ₹-3.0K Cr 18.7% | ₹-2.5K Cr 120.6% | ₹-1.2K Cr 27.5% | ₹-907 Cr 24.5% | ₹-1.2K Cr 32.7% | ₹-1.8K Cr 30.1% | ₹-2.6K Cr |
| Investing CF | ₹309 Cr 93.1% | ₹160 Cr 77.9% | ₹723 Cr 251.6% | ₹-477 Cr 158.0% | ₹823 Cr 271.5% | ₹-480 Cr 67.9% | ₹-1.5K Cr 2951.0% | ₹-49 Cr |
| Financing CF | ₹2.3K Cr 31.1% | ₹3.4K Cr 90.6% | ₹1.8K Cr 21.5% | ₹1.5K Cr 432.0% | ₹275 Cr 60.8% | ₹701 Cr 81.1% | ₹3.7K Cr 10.3% | ₹3.4K Cr |
| Net Cash Flow | ₹-164 Cr 131.4% | ₹522 Cr 1165.3% | ₹-49 Cr 71.0% | ₹-169 Cr 188.5% | ₹191 Cr 119.5% | ₹-981 Cr 332.5% | ₹422 Cr 44.0% | ₹754 Cr |
| Free Cash Flow | ₹-2.8K Cr 7.0% | ₹-3.0K Cr 18.6% | ₹-2.6K Cr 120.0% | ₹-1.2K Cr 27.0% | ₹-918 Cr 23.9% | ₹-1.2K Cr 32.5% | ₹-1.8K Cr 30.2% | ₹-2.6K Cr |
Values in ₹ Cr · Source: Screener.in
About Aadhar Housing Finance Limited
Aadhar Housing Finance Ltd is one of the largest low-income housing finance companies in India servicing the home financing needs of the low income sections of the society. [1]
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