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.
Price
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Key Metrics
REVENUE
₹3,673 Cr
TTM · consolidated
NET PROFIT
₹1,096 Cr
TTM · consolidated
EPS
₹25.31
TTM · consolidated
RETURN ON EQUITY
16.4%
TTM · consolidated
P/E
20.3x
Q4 FY26 · consolidated
NET PROFIT MARGIN
31.6%
Q4 FY26 · consolidated
Peers · Housing Finance Company
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Aadhar Housing Finance Ltd.AADHARHFC | 20,264 | 20.35 | — | 18.2% | 76.7% | 16.4% | — | +2.0% |
LIC Housing Finance Ltd.LICHSGFIN | 26,356 | 5.37 | — | 2.6% | 93.5% | 14.9% | 626.2% | -14.2% |
PNB Housing Finance Ltd.PNBHOUSING | 20,535 | 12.49 | — | 10.9% | 94.5% | 13.1% | 9.9% | -0.7% |
Sammaan Capital Ltd.SAMMAANCAP | 11,530 | -1.87 | — | -6.7% | 41.9% | -33.8% | — | +26.0% |
Can Fin Homes Ltd.CANFINHOME | 11,066 | 11.09 | — | 8.7% | 92.1% | 20.5% | 20.8% | +11.4% |
Aptus Value Housing Finance India Ltd.APTUS | 10,077 | 15.90 | — | 27.2% | 84.1% | 20.9% | — | -12.1% |
As of Q4 FY26
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.
Price
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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
₹3,673 Cr
TTM · consolidated
NET PROFIT
₹1,096 Cr
TTM · consolidated
EPS
₹25.31
TTM · consolidated
RETURN ON EQUITY
16.4%
TTM · consolidated
P/E
20.3x
Q4 FY26 · consolidated
NET PROFIT MARGIN
31.6%
Q4 FY26 · consolidated
Peers · Housing Finance Company
As of Q4 FY26