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Data quality observations on this stock — see hidden fields below.
Reported as ticker: AADHARHFC· We're continuously improving data quality. Contact support if this persists.
Aadhar Housing Finance Limited
AADHARHFC · Banking · NSE
₹470
Current Market Price
Fair Value (P/B + Residual Income)
₹454
Discount to FV
-3.3%
Updated just now
YieldIQ Score
51/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
90%
ROE
14.5%
Debt/Equity
2.48
Cost of Equity
9.8%
Market Cap
₹20,506 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
4.9%
Return on capital employed
Revenue CAGR (3Y)
11.2%
3-year revenue growth
Revenue CAGR (5Y)
15.0%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹469.85
Bear case
Discount -47.7%
Base case
Discount -3.4%
Bull case
Discount +20.5%
Ratio Trends
AADHARHFC · last 5 annual periods
ROE
14.5%
ROCE
4.9%
Operating Margin
—
Debt / Equity
2.48×
PE
—
EV / EBITDA
—
Historical Financials
AADHARHFC · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹1612 Cr | ₹1881 Cr | ₹2354 Cr | ₹2918 Cr | ₹3455 Cr | +21.0% |
| EBITDA | ₹1319 Cr | ₹1496 Cr | ₹1952 Cr | ₹1065 Cr | ₹1289 Cr | -0.6% |
| EBIT | — | — | ₹1946 Cr | — | — | +0.0% |
| PAT | ₹445 Cr | ₹545 Cr | ₹750 Cr | ₹912 Cr | ₹1096 Cr | +25.3% |
| EPS (diluted) | — | — | ₹18.35 | — | — | +0.0% |
| CFO | ₹-907 Cr | ₹-1156 Cr | ₹-2550 Cr | ₹-3027 Cr | ₹-2808 Cr | — |
| CapEx | ₹-11.8 Cr | ₹-10.4 Cr | ₹-15.4 Cr | ₹-14.8 Cr | ₹-18.8 Cr | — |
| FCF | ₹-919 Cr | ₹-1166 Cr | ₹-2566 Cr | ₹-3041 Cr | ₹-2827 Cr | — |
| Total Assets | ₹14.4K Cr | ₹16.6K Cr | ₹19.1K Cr | ₹23.2K Cr | ₹27.4K Cr | +17.5% |
| Total Debt | ₹10.7K Cr | ₹12.2K Cr | ₹14.0K Cr | ₹16.3K Cr | ₹18.7K Cr | +15.0% |
| Shareholders' Equity | ₹3147 Cr | ₹3698 Cr | ₹4450 Cr | ₹6372 Cr | ₹7541 Cr | +24.4% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
AADHARHFC vs 3 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 SAMMAANCAP SAMMAANCAP | — | — | Pending | -8.3% | — |
 PNBHOUSING PNBHOUSING | — | — | Pending | 11.5% | — |
 BAJAJHFL BAJAJHFL | — | — | Pending | 11.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for AADHARHFC in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Aadhar Housing Finance Limited (AADHARHFC.NS) trades at 469.85 vs a model fair value of 454.39, a gap of -3.3%. Piotroski F-score: 7/9. M...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of AADHARHFC →
DuPont
ROE decomposition
Why ROE is what it is →
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Analyse AADHARHFCNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.