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Aadhar Housing Finance
Mid Cap•4,583 Employees•IPO 2024
Current Price
₹459.75
-16.2 (-3.4%)Updated
Today's Range
453
₹459.75
475
52 Week Range
52W Low₹399.35
52W High₹547.80
₹459.75
Downside15.12%
Upside19.15%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹19,976.32 Cr
Market Cap
Total market value of companyP/E Ratio
19.48
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
3.21
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹23.43
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
7.71%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
11.40%
ROCE
Return on Capital Employed. >15% is goodNet Margin
29.41%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
18.90%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
18.60%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
2.57
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹147.72
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
75.30%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •High operating profit margin (75.25%) demonstrates strong operational efficiency.
- •Robust quarterly sales (18.90%) and profit (18.60%) growth.
Weaknesses
5 points- •High debt-to-equity ratio (2.57) indicates substantial reliance on debt.
- •Absence of dividend yield (0.00%) may deter income-seeking investors.
Opportunities
5 points- •Strong demand for affordable housing, especially in underserved cities.
- •Capitalize on government initiatives promoting home ownership and growth.
Threats
5 points- •Rising interest rates could increase borrowing costs, impacting profitability.
- •Highly competitive housing finance sector may lead to pricing pressures.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹516.17 | +₹56.42 | +12.27% |
| R3 | ₹494.17 | +₹34.42 | +7.49% |
| R2 | ₹484.58 | +₹24.83 | +5.40% |
| R1 | ₹472.17 | +₹12.42 | +2.70% |
| PIVOT | ₹462.58 | 2.83 | 0.62% |
| CURRENT | ₹459.75 | - | - |
| S1 | ₹406.17 | -₹53.58 | -11.65% |
| S2 | ₹428.17 | -₹31.58 | -6.87% |
| S3 | ₹440.58 | -₹19.17 | -4.17% |
| S4 | ₹450.17 | -₹9.58 | -2.08% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-25.8% vs avg
4.26L
(13 Mar 2026)Delivery %-12.1% vs avg
44.0%
(13 Mar 2026)Avg Volume (20D)20-day average
5.74L
(13 Feb - 13 Mar)Avg Delivery %Trend ↓
56.2%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Housing Finance Ltd
73,949.47 ₹ Cr
Best Profit Growth
India Shelter Finance Corporation Ltd
43.00 %
Highest Dividend Yield
GIC Housing Finance Ltd
2.81 %
Peer Comparison
| Company Name |
|---|
 AAVAS Financiers Ltd |
 Aptus Value Housing Finance India Ltd |
 Bajaj Housing Finance Ltd |
 Can Fin Homes Ltd |
 GIC Housing Finance Ltd |
 Home First Finance Company India Ltd |
 IIFL Finance Ltd |
 India Shelter Finance Corporation Ltd |
 LIC Housing Finance Ltd |
 PNB Housing Finance Ltd |
 Sammaan Capital Ltd |
About
Aadhar Housing Finance Ltd
Aadhar Housing Finance Limited (AHFL) is an Indian housing finance company specializing in providing a diverse range of mortgage-related loan products. Its core business revolves around facilitating homeownership and property investment through various financial instruments.
AHFL's loan portfolio caters to a broad spectrum of clients, encompassing individuals, businesses, corporations, and various types of associations. The company offers loans for a wide array of purposes, including the purchase or construction of residential properties and plots, home improvements and extensions, and even commercial property acquisition and development.
Beyond primary mortgage financing, AHFL also provides supplementary financial services. These include balance transfer options, allowing customers to consolidate existing loans into a potentially more advantageous arrangement with AHFL. Top-up loans are another key offering, providing existing borrowers with additional funds against their existing property collateral. The company also extends its services to non-residential property purchases and construction.
Established in 1990 and headquartered in Mumbai, AHFL underwent a name change in August 2017, shifting from DHFL Vysya Housing Finance Limited to its current identity. Currently, the company operates as a subsidiary of Bcp Topco VII Pte. Ltd., indicating a larger international financial backing influencing its operational strategy and capacity.
In essence, AHFL plays a significant role in the Indian housing finance market by providing accessible and varied financial solutions to a wide range of customers looking to acquire, improve, or invest in real estate assets, both residential and commercial. Its comprehensive offerings and established market presence contribute to its position within the industry.
COMPANY FACTS - AADHARHFC
Registered Address
Unit No. 802, Natraj Rustomjee, Western Express Highway and M.V.Road
Mumbai
MAHARASHTRA
IN
Tel: 912239509900
Website:https://aadharhousing.com/
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 4,583
IPO Date: 15/05/2024
MANAGEMENT - AADHARHFC
Shri. Om Bhatt
Non-Executive Independent Chairman of the Board
Mr. Rishi Anand
Chief Executive Officer, Managing Director, Executive Director
Mr. Deo Tripathi
Whole Time Director and Executive Vice Chairman
Mr. Rajesh Viswanathan
Chief Financial Officer
Mr. Vikas Bansal
Chief Human Resource Officer
Ms. Harshada Pathak
Compliance Officer, Company Secretary
Mr. Sreekanth V. N.
Chief Compliance Officer
Mr. Nirav Shah
Chief Risk Officer
Mr. Haryyaksha Ghosh
Chief Data Officer
Mr. Anmol Gupta
Chief Treasury Officer
Mr. R. Anil Nair
Chief Business Officer - Business Development
Mr. Amit Dixit
Non-Executive Nominee Director
Investor Questions Answered
Aadhar Housing Finance Ltd (AADHARHFC) Stock FAQs
Get answers to the most common questions about Aadhar Housing Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Aadhar Housing Finance Ltd (AADHARHFC) is ₹459.75. Today, the stock has declined by ₹16.20 (3.40%), trading in a range of ₹453 to ₹475. The stock opened at ₹470 with a trading volume of 4,25,955 shares.
Aadhar Housing Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹19,976.32 crores, P/E ratio of 19.48, ROE of 7.71%, and ROCE of 11.40%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Aadhar Housing Finance Ltd (AADHARHFC) is ₹547.8, while the 52-week low is ₹399.35. Currently trading at ₹459.75, the stock is 40.7% away from its 52-week low and 16.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Aadhar Housing Finance Ltd stock at ₹459.75 depends on multiple factors. The stock is currently trading with a P/E ratio of 19.48 and P/B ratio of N/A. Today's performance shows a loss of 3.40%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Aadhar Housing Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹459.75, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Aadhar Housing Finance Ltd's key financial metrics include: P/E Ratio: 19.48, P/B Ratio: N/A, ROE: 7.71%, ROCE: 11.40%, Dividend Yield: 0.00%, EPS: ₹23.43, Book Value: ₹147.72, Debt-to-Equity: 2.57, and Current Ratio: N/A. The company's market cap stands at ₹19,976.32 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Aadhar Housing Finance Ltd stock opened at ₹470 and is currently trading at ₹459.75, showing a decline of ₹16.20 (3.40%). The intraday high is ₹475 and low is ₹453. The trading volume stands at 4,25,955 shares, indicating moderate market participation today.
Aadhar Housing Finance Ltd has a Price-to-Earnings (P/E) ratio of 19.48, which means investors are willing to pay ₹19.48 for every ₹1 of earnings. With an EPS of ₹23.43, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
Aadhar Housing Finance Ltd has a market capitalization of ₹19,976.32 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹459.75) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Aadhar Housing Finance Ltd has a book value of ₹147.72 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹459.75, which is 211.2% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Aadhar Housing Finance Ltd has a Return on Equity (ROE) of 7.71% and Return on Capital Employed (ROCE) of 11.40%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Aadhar Housing Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Aadhar Housing Finance Ltd has a debt-to-equity ratio of 2.57, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Aadhar Housing Finance Ltd has an Earnings Per Share (EPS) of ₹23.43, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹459.75 and P/E ratio of 19.48, investors are paying 19.48 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Aadhar Housing Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Aadhar Housing Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Aadhar Housing Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (19.48), ROE (7.71%), debt-to-equity (2.57), and growth rates. 2) Technical Analysis - Check 52-week range (₹399.35 - ₹547.80), moving averages, and chart patterns. 3) Valuation - Compare current price (₹459.75) with book value (₹147.72) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Aadhar Housing Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹459.75 is 4498x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Aadhar Housing Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹399.35 - ₹547.80). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 2.57 indicates leverage. 4) Liquidity Risk - Based on trading volume of 4,25,955 shares. 5) Valuation Risk - P/E of 19.48 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Aadhar Housing Finance Ltd operates in the industry with key metrics: P/E ratio of 19.48, ROE of 7.71%, market cap of ₹19,976.32 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 2.57), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Aadhar Housing Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹459.75, with a 52-week range of ₹399.35 to ₹547.80. Based on fundamentals like P/E (19.48), ROE (7.71%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Aadhar Housing Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹459.75. 2) Fundamental Deterioration - Declining ROE (currently 7.71%), increasing debt (D/E: 2.57), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Aadhar Housing Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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