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Aadhar Housing Finance Ltd. (AADHARHFC.NS)

INR518.95 -16.95 (-3.16%)
IN NSE Financial Services Financial - Mortgages
Address Natraj by Rustomjee 400069
Mumbai, IN
CEO Rishi Anand
IPO 2024-05-15
ISIN INE883F01010

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Description

Aadhar Housing Finance Limited is an Indian financial institution dedicated to providing housing finance solutions. The company offers a broad spectrum of lending products, including funding for the purchase and construction of homes, financing for land acquisition and development, loans for home renovations and expansions, and credit for constructing or acquiring commercial properties. Furthermore, it extends loans secured by residential real estate and other types of property, along with various associated services. Its customer base is diverse, serving individuals, corporations, societies, and other organized groups. Established in 1990 and based in Mumbai, India, the firm operated as DHFL Vysya Housing Finance Limited until it adopted its current name in August 2017. Aadhar Housing Finance Limited functions as a subsidiary of Bcp Topco VII Pte. Ltd.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR518.95 -16.95 (-3.16%)
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Volume Profile
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Liquidity & share structure
Average Volume
469.7K
Beta
0.41
Float Shares
106.79M
Free Float %
24.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.33% -3.46% +2.05% +3.44% -1.93% +0.53% +10.34% +47.91% +47.91% +47.91% +47.91%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
518.95
DCF (Unlevered) 940.86 +81.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 10 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
MOAT Score
4 / 10
Developing
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Mortgages: +18.2%
    +30.0% Q1'26: +43.1% (vs Q1'25)
  • EPS growth Financial - Mortgages: +18.3%
    +21.4% Q1'26: +28.6% (vs Q1'25)
  • FCF margin FCF growth · Financial - Mortgages: +84.8%
    +42.0% Q1'26: -70.9% (vs Q1'25)
  • EBIT margin Financial - Mortgages: +34.8%
    +38.1% Q1'26: +40.1% (vs Q1'25)
  • ROIC Financial - Mortgages: +4.9%
    +4.4% Q1'26: +5.0% (vs Q1'25)
  • Share dilution Financial - Mortgages: 0.0%
    -1.0% Q1'26: -1.2% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×
    13.33× Q1'26: 11.77× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.97) × ERP
WACC = 100% × Ke + 0% × Kd (4.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1,294.75 Current price: 518.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2025
actual
Mar 2026
8 Rev. Ana.
6 EPS Ana.
Mar 2027
10 Rev. Ana.
7 EPS Ana.
Mar 2028
9 Rev. Ana.
9 EPS Ana.
Mar 2029
4 Rev. Ana.
2 EPS Ana.
Mar 2030
3 Rev. Ana.
1 EPS Ana.
Revenue
28.35B
est: 19.32B (+46.7%)
23.04B
22.79B – 23.33B
+19.2% YoY
27.79B
27.04B – 28.31B
+20.6% YoY
33.07B
31.45B – 34.47B
+19.0% YoY
38.87B
38.83B – 38.90B
+17.5% YoY
50.35B
48.39B – 51.94B
+29.5% YoY
EBITDA
23.57B
est: 14.13B (+66.8%)
16.84B
16.66B – 17.05B
+19.2% YoY
20.31B
19.76B – 20.69B
+20.6% YoY
24.18B
22.99B – 25.20B
+19.0% YoY
28.41B
28.39B – 28.44B
+17.5% YoY
36.81B
35.37B – 37.97B
+29.5% YoY
EBIT
23.31B
est: 13.99B (+66.6%)
16.68B
16.50B – 16.89B
+19.2% YoY
20.12B
19.58B – 20.50B
+20.6% YoY
23.95B
22.77B – 24.96B
+19.0% YoY
28.14B
28.12B – 28.17B
+17.5% YoY
36.46B
35.04B – 37.61B
+29.5% YoY
Net Income
9.12B
est: 9.39B (-2.9%)
10.92B
10.61B – 11.31B
+16.3% YoY
13.28B
12.87B – 14.78B
+21.6% YoY
16.01B
15.13B – 17.49B
+20.5% YoY
19.02B
18.66B – 20.65B
+18.8% YoY
22.26B
21.13B – 23.17B
+17.0% YoY
SGA
739.10M
est: 355.13M (+108.1%)
423.43M
418.94M – 428.74M
+19.2% YoY
510.73M
496.92M – 520.28M
+20.6% YoY
607.87M
578.09M – 633.55M
+19.0% YoY
714.35M
713.72M – 714.98M
+17.5% YoY
925.43M
889.36M – 954.58M
+29.5% YoY
EPS
21.43
est: 21.69 (-1.2%)
25.36
24.51 – 26.12
+16.9% YoY
30.92
29.72 – 34.13
+21.9% YoY
37.27
34.93 – 40.39
+20.5% YoY
45.40
43.10 – 47.69
+21.8% YoY
51.40
48.80 – 53.50
+13.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-06 B- 2/5 1/5 4/5 5/5 1/5 2/5 1/5
2026-05-05 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-05-04 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-30 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-29 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-28 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-27 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-24 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-23 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-22 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-21 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-20 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-17 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-16 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5
2026-04-15 D+ 1/5 1/5 1/5 1/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-6.99B
OE per share TTM
-15.82
Owner's Yield
-3.22%
Maintenance CapEx ratio
1.41%
Maint CapEx / Avg PPE
3.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
3.07M
Shares Outstanding
435.70M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Deo Shankar Tripathi Executive Vice Chairman 274M male
Rishi Anand MD, Chief Executive Officer & Director 70M male
Anmol Gupta Chief Treasury Officer 9M male
Pratik Rajendra Jariwala Chief Compliance Officer male
R. Anil Kumar Nair Chief Operating Officer male
Rajesh Viswanathan Chief Financial Officer male
S. R. President male
Sanjay Moolchandani Head of Investor Relations male
Shrikant Patil Head of Technical male
Brijesh Kumar Goswami Head of Administration male
Harshada Shashank Pathak Company Secretary & Compliance Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits