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
18.4x
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 | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Aadhar Housing Finance Ltd.AADHARHFC | ₹21,146 Cr | 18.40 | — | 17.7% | 76.6% | 16.4% | — | -4.5% |
LIC Housing Finance Ltd.LICHSGFIN | ₹30,916 Cr | 5.39 | — | 0.4% | 94.4% | 14.8% | 6.9% | +1.4% |
PNB Housing Finance Ltd.PNBHOUSING | ₹30,385 Cr | 13.12 | 8.37 | 9.8% | 94.0% | 12.8% | 9.9% | +49.0% |
Sammaan Capital Ltd.SAMMAANCAP | ₹18,398 Cr | -1.77 | — | -17.1% | 46.1% | -35.5% | 19.9% | +15.7% |
Aptus Value Housing Finance India Ltd.APTUS | ₹12,962 Cr | 13.15 | — | 22.9% | 83.5% | 21.0% | — | -21.3% |
Home First Finance Company India Ltd.HOMEFIRST | ₹12,649 Cr | 21.63 | — | 21.3% | 79.0% | 16.9% | — | -3.3% |
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
18.4x
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