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Nifty
Sensex
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:
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78428.95
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-210.08 (-0.27%)

Aadhar Housing Finance Ltd.

Finance - Housing

Rating :
70/99

BSE: 544176 | NSE: AADHARHFC

NSE BSE
492.80
04-Aug-2026
  • Open
  • High
  • Low
  • Previous Close
  •  504.1
  •  504.15
  •  491.15
  •  504.15
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  155568
  •  77266903.5
  •  563
  •  430.15

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 21,580.40
  • 18.91
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 39,137.34
  • N/A
  • 2.77

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 64.66%
  • 2.09%
  • 6.53%
  • FII
  • DII
  • Others
  • 5.8%
  • 7.58%
  • 13.34%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 33.00
  • 16.27
  • 12.39

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 31.32
  • 15.72
  • 7.19

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 47.03
  • 19.76
  • 13.49

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

Earnings Forecasts:

(Updated: 01-08-2026)
Description
2026
2027
2028
2029
Adj EPS
66
2
20.31
25.36
P/E Ratio
7.47
246.40
24.26
19.43
Revenue
17.24
14.59
11.23
2299.64
EBITDA
3643.85
4283.65
3872.8
-
Net Income
-
-
-
1098
ROA
1324.77
1560.2
1882.6
4.29
P/B Ratio
-
-
-
2.85
ROE
2.65
2.26
1.87
15.84
FCFF
16.19
16.32
16.5
-
FCFF Yield
-
-
-
-
Net Debt
-
-
-
-
BVPS
-
-
-
172.97

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 26
Jun 25
Var%
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Net Sales
992.89
848.18
17.06%
984.56
832.61
18.25%
942.71
797.61
18.19%
897.13
764.27
17.38%
Expenses
248.06
207.13
19.76%
240.33
196.77
22.14%
213.53
186.61
14.43%
207.65
180.47
15.06%
EBITDA
744.83
641.05
16.19%
744.23
635.84
17.05%
729.18
611.00
19.34%
689.48
583.80
18.10%
EBIDTM
75.02%
75.58%
75.59%
76.37%
77.35%
76.60%
76.85%
76.39%
Other Income
4.30
3.16
36.08%
7.95
1.23
546.34%
1.06
0.03
3,433.33%
2.13
0.01
21,200.00%
Interest
376.39
331.94
13.39%
343.33
314.71
9.09%
347.50
296.87
17.05%
341.62
285.18
19.79%
Depreciation
9.11
7.12
27.95%
10.60
6.45
64.34%
7.05
6.48
8.80%
7.25
6.20
16.94%
PBT
363.63
305.15
19.16%
398.25
315.91
26.06%
359.77
307.68
16.93%
342.74
292.43
17.20%
Tax
81.27
67.87
19.74%
87.33
71.07
22.88%
78.56
68.34
14.95%
76.27
64.92
17.48%
PAT
282.36
237.28
19.00%
310.92
244.84
26.99%
281.21
239.34
17.49%
266.47
227.51
17.12%
PATM
28.44%
27.98%
31.58%
29.41%
29.83%
30.01%
29.70%
29.77%
EPS
6.46
5.49
17.67%
7.14
5.68
25.70%
6.48
5.56
16.55%
6.15
5.29
16.26%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Net Sales
3,817.29
3,672.58
3,107.63
2,586.82
2,043.23
1,728.27
1,575.33
1,387.67
1,263.77
815.01
Net Sales Growth
17.72%
18.18%
20.13%
26.60%
18.22%
9.71%
13.52%
9.80%
55.06%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
3,817.29
3,672.58
3,107.63
2,586.82
2,043.23
1,728.27
1,575.33
1,387.67
1,263.77
815.01
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
909.57
888.63
746.59
619.73
507.02
386.75
316.17
353.20
278.46
187.63
Power & Fuel Cost
-
5.30
5.27
4.28
3.43
2.25
2.77
2.67
2.55
1.89
% Of Sales
-
0.14%
0.17%
0.17%
0.17%
0.13%
0.18%
0.19%
0.20%
0.23%
Employee Cost
-
553.42
464.49
403.48
322.01
248.19
188.81
167.56
176.00
106.05
% Of Sales
-
15.07%
14.95%
15.60%
15.76%
14.36%
11.99%
12.07%
13.93%
13.01%
Manufacturing Exp.
-
74.62
67.37
58.48
46.30
29.85
29.12
23.20
22.17
15.03
% Of Sales
-
2.03%
2.17%
2.26%
2.27%
1.73%
1.85%
1.67%
1.75%
1.84%
General & Admin Exp.
-
153.53
132.63
104.90
81.29
53.83
38.46
42.50
47.01
36.95
% Of Sales
-
4.18%
4.27%
4.06%
3.98%
3.11%
2.44%
3.06%
3.72%
4.53%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
107.06
82.10
52.87
57.42
54.88
59.78
119.94
33.28
29.60
% Of Sales
-
2.92%
2.64%
2.04%
2.81%
3.18%
3.79%
8.64%
2.63%
3.63%
EBITDA
2,907.72
2,783.95
2,361.04
1,967.09
1,536.21
1,341.52
1,259.16
1,034.47
985.31
627.38
EBITDA Margin
76.17%
75.80%
75.98%
76.04%
75.19%
77.62%
79.93%
74.55%
77.97%
76.98%
Other Income
15.44
34.29
11.23
0.17
0.29
0.29
0.51
1.51
0.02
0.12
Interest
1,408.84
1,364.39
1,173.77
986.69
799.19
761.20
815.97
793.49
730.51
462.27
Depreciation
34.01
32.02
25.24
20.98
16.49
13.25
11.19
11.58
5.29
3.63
PBT
1,464.39
1,421.83
1,173.26
959.59
720.82
567.36
432.51
230.91
249.53
161.60
Tax
323.43
310.03
261.43
209.95
151.06
122.51
92.38
41.53
73.30
46.89
Tax Rate
22.09%
22.05%
22.28%
21.88%
21.71%
21.59%
21.36%
17.99%
31.10%
29.02%
PAT
1,140.96
1,095.88
911.83
749.64
544.76
444.85
340.13
189.38
162.37
114.71
PAT before Minority Interest
1,140.96
1,095.88
911.83
749.64
544.76
444.85
340.13
189.38
162.37
114.71
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
29.89%
29.84%
29.34%
28.98%
26.66%
25.74%
21.59%
13.65%
12.85%
14.07%
PAT Growth
20.23%
20.18%
21.64%
37.61%
22.46%
30.79%
79.60%
16.63%
41.55%
 
EPS
26.09
25.06
20.85
17.14
12.46
10.17
7.78
4.33
3.71
2.62

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Shareholder's Funds
7,540.89
6,372.29
4,449.75
3,697.66
3,146.69
2,692.82
2,347.33
859.92
718.28
Share Capital
435.70
431.38
394.76
394.76
394.76
394.76
39.46
25.15
25.15
Total Reserves
7,067.37
5,914.26
4,032.46
3,282.40
2,737.06
2,290.86
2,306.73
833.94
693.13
Non-Current Liabilities
16,030.17
14,489.01
12,562.42
12,180.12
10,628.52
10,404.50
9,671.46
8,234.14
6,058.41
Secured Loans
15,179.11
14,120.02
12,017.01
12,084.86
10,508.26
10,250.72
9,492.23
7,960.49
5,837.66
Unsecured Loans
0.11
60.21
0.51
68.59
91.33
123.75
151.07
231.20
195.49
Long Term Provisions
41.67
14.85
0.00
17.49
13.90
12.50
9.68
7.15
4.31
Current Liabilities
3,827.57
2,362.24
2,080.50
739.83
600.32
532.73
347.47
368.26
1,010.34
Trade Payables
123.65
125.93
108.64
80.50
51.00
38.68
28.81
15.76
13.81
Other Current Liabilities
135.34
77.40
65.79
659.33
474.32
494.05
318.62
256.36
647.10
Short Term Borrowings
3,564.56
2,142.19
1,882.51
0.00
75.00
0.00
0.04
96.14
346.10
Short Term Provisions
4.02
16.72
23.56
0.00
0.00
0.00
0.00
0.00
3.33
Total Liabilities
27,398.63
23,223.54
19,092.67
16,617.61
14,375.53
13,630.05
12,366.26
9,462.32
7,787.03
Net Block
137.52
91.87
79.82
63.32
55.07
53.13
44.27
24.06
19.12
Gross Block
222.73
145.55
124.03
90.05
85.82
82.98
58.44
32.93
22.75
Accumulated Depreciation
85.21
53.68
44.21
26.73
30.75
29.85
14.17
8.87
3.63
Non Current Assets
25,871.55
21,393.18
17,781.84
14,438.20
12,278.18
10,772.09
9,030.67
8,102.24
7,317.85
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
629.09
506.85
455.83
458.24
196.32
24.00
23.91
23.99
10.00
Long Term Loans & Adv.
10.51
0.00
0.00
33.35
42.34
56.51
51.09
26.21
12.32
Other Non Current Assets
254.84
310.36
343.25
31.84
24.11
25.19
2.37
2.39
3.45
Current Assets
1,527.08
1,830.36
1,310.83
2,177.30
2,095.24
2,855.85
3,335.59
1,354.18
459.01
Current Investments
8.37
6.33
6.14
1.16
141.70
473.09
0.05
125.67
200.24
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
27.02
25.28
19.53
7.97
5.19
2.72
4.08
3.86
2.53
Cash & Bank
1,186.84
1,600.75
1,070.45
1,918.00
1,710.16
2,171.28
3,141.52
1,053.93
199.24
Other Current Assets
304.85
185.56
203.69
250.17
238.19
208.76
189.94
170.72
57.00
Short Term Loans & Adv.
20.13
12.44
11.02
0.00
0.00
0.00
0.08
0.10
0.12
Net Current Assets
-2,300.49
-531.88
-769.67
1,437.47
1,494.92
2,323.12
2,988.12
985.92
-551.33
Total Assets
27,398.63
23,223.54
19,092.67
16,615.50
14,373.42
13,627.94
12,366.26
9,456.42
7,776.86

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Cash From Operating Activity
-2,807.88
-3,026.65
-2,550.10
-1,155.69
-906.75
-1,202.29
PBT
1,405.91
1,173.26
959.59
695.82
567.36
432.51
Adjustment
-1,775.62
-1,473.86
-1,246.26
42.75
49.29
65.94
Changes in Working Capital
453.81
-289.57
-155.32
175.32
-115.48
153.33
Cash after chg. in Working capital
84.10
-590.17
-441.99
913.89
501.17
651.78
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-307.50
-250.67
-219.71
-141.71
-115.39
-99.87
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
-2,584.48
-2,185.81
-1,888.40
-1,927.87
-1,292.53
-1,754.20
Cash From Investing Activity
308.62
159.53
723.13
-476.53
822.57
-480.48
Net Fixed Assets
-77.18
-21.52
-33.98
-4.23
-2.84
Net Investments
-122.24
-51.01
0.41
-120.22
159.07
Others
508.04
232.06
756.70
-352.08
666.34
Cash from Financing Activity
2,335.52
3,389.23
1,778.09
1,463.19
274.85
701.39
Net Cash Inflow / Outflow
-163.74
522.11
-48.88
-169.03
190.67
-981.38
Opening Cash & Equivalents
878.37
356.26
405.14
574.17
383.50
1,364.88
Closing Cash & Equivalent
714.63
878.37
356.26
405.14
574.17
383.50

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Book Value (Rs.)
172.21
147.10
112.15
92.50
79.33
68.03
ROA
4.33%
4.31%
4.20%
3.52%
3.18%
2.62%
ROE
15.83%
16.93%
18.50%
16.06%
15.29%
13.52%
ROCE
11.31%
11.44%
11.38%
10.09%
9.88%
9.96%
Fixed Asset Turnover
19.94
23.06
24.17
23.24
20.48
22.28
Receivable days
2.60
2.63
1.94
1.18
0.84
0.79
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
2.60
2.63
1.94
1.18
0.84
0.79
Total Debt/Equity
2.50
2.57
3.14
3.33
3.41
3.86
Interest Cover
2.03
2.00
1.97
1.87
1.75
1.53

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019

News Update:


  • Aadhar Housing Fin. - Quarterly Results
    1st Aug 2026, 00:00 AM

    Read More
  • Aadhar Housing Finance raises Rs 350 crore via NCDs
    20th Jul 2026, 15:10 PM

    The Management Committee of the Board of Directors of the company has at its meeting held on July 20, 2026, allotted the same

    Read More
  • Aadhar Housing Finance raises Rs 250 crore via NCDs
    18th Jun 2026, 16:42 PM

    The Management Committee of the Board of Directors of the company has at its meeting held on June 18, 2026, allotted the same

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.