Aadhar Housing Finance Ltd.
NSE: AADHARHFC · Housing Finance Company
Snapshot
Unlock Aadhar Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aadhar Housing Finance Limited is a housing finance company that provides loans for residential property purchase, construction, improvement, and extension. It also offers commercial property financing and loans against property to a diverse client base including individuals and corporate entities.
Business Model
The company generates revenue primarily through interest income earned on its diverse portfolio of housing and property-related loans. It operates as a subsidiary of Bcp Topco VII Pte. Ltd. and serves a broad spectrum of borrowers across India.
Growth Outlook
Growth is driven by the increasing demand for affordable housing finance in India and the expansion of property-related lending services. The company leverages its established market presence to capture opportunities in both residential and commercial real estate segments.
Key Risks
- Credit Risk. The company faces the risk of borrower defaults, particularly within the affordable housing segment which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the demand for new housing loans.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the real estate sector could adversely affect operational flexibility and profitability.
- Liquidity Risk. As a housing finance company, Aadhar relies on consistent access to funding markets to maintain its lending activities and manage asset-liability mismatches.
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Key Metrics
REVENUE
₹3,817 Cr
TTM · consolidated
NET PROFIT
₹1,141 Cr
TTM · consolidated
EPS
₹26.28
TTM · consolidated
RETURN ON EQUITY
16.4%
TTM · consolidated
P/E
16.7×
Q1 FY27 · consolidated
EBITDA MARGIN
76.6%
TTM · consolidated
NET PROFIT MARGIN
28.4%
Q1 FY27 · consolidated
DEBT TO EQUITY
2.4%
Q1 FY27 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Aadhar Housing Finance Ltd.AADHARHFC | ₹19,213 Cr | 16.7× | — | 17.7% | 76.6% | 16.4% | — | -13.9% |
LIC Housing Finance Ltd.LICHSGFIN | ₹29,098 Cr | 4.9× | — | -0.4% | 95.2% | 14.3% | 6.9% | -7.8% |
PNB Housing Finance Ltd.PNBHOUSING | ₹28,688 Cr | 12.2× | 8.15 | 10.0% | 93.0% | 12.3% | 9.9% | +18.1% |
Sammaan Capital Ltd.SAMMAANCAP | ₹15,538 Cr | -1.5× | — | -17.1% | 46.1% | -35.5% | 19.9% | -28.2% |
Home First Finance Company India Ltd.HOMEFIRST | ₹11,537 Cr | 18.6× | — | 19.2% | 79.1% | 14.3% | — | -7.7% |
Can Fin Homes Ltd.CANFINHOME | ₹9,901 Cr | 8.6× | — | 7.9% | 92.0% | 19.4% | 26.9% | -13.7% |
As of Q1 FY27
Financials
Aadhar Housing Finance Ltd.
NSE: AADHARHFC · Housing Finance Company
Snapshot
Unlock Aadhar Housing Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Aadhar Housing Finance Limited is a housing finance company that provides loans for residential property purchase, construction, improvement, and extension. It also offers commercial property financing and loans against property to a diverse client base including individuals and corporate entities.
Business Model
The company generates revenue primarily through interest income earned on its diverse portfolio of housing and property-related loans. It operates as a subsidiary of Bcp Topco VII Pte. Ltd. and serves a broad spectrum of borrowers across India.
Growth Outlook
Growth is driven by the increasing demand for affordable housing finance in India and the expansion of property-related lending services. The company leverages its established market presence to capture opportunities in both residential and commercial real estate segments.
Key Risks
- Credit Risk. The company faces the risk of borrower defaults, particularly within the affordable housing segment which may be sensitive to economic downturns.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the demand for new housing loans.
- Regulatory Risk. Changes in housing finance regulations or government policies regarding the real estate sector could adversely affect operational flexibility and profitability.
- Liquidity Risk. As a housing finance company, Aadhar relies on consistent access to funding markets to maintain its lending activities and manage asset-liability mismatches.
Start your research today
Unlock AI insights, financials, peers and live data on Aadhar Housing Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹3,817 Cr
TTM · consolidated
NET PROFIT
₹1,141 Cr
TTM · consolidated
EPS
₹26.28
TTM · consolidated
RETURN ON EQUITY
16.4%
TTM · consolidated
P/E
16.7x
Q1 FY27 · consolidated
EBITDA MARGIN
76.6%
TTM · consolidated
NET PROFIT MARGIN
28.4%
Q1 FY27 · consolidated
DEBT TO EQUITY
2.4%
Q1 FY27 · consolidated
Peers · Housing Finance Company
As of Q1 FY27