Aadhar Housing Finance L
NSE: AADHARHFC · Housing Finance Company · sector
₹441.20NSE close 2026-10-26
Key numbers
Market cap₹19,295 cr
Price₹441.20
52w high / low₹563 / ₹427
P/E16.8xSector median 12.6x
P/B2.6xSector median 1.2x
Book value₹172.3
Dividend yield–Sector median 1.29%
ROE16.4%Sector median 12.9%
ROA4.16%Sector median 2.52%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y–Sector median +10.7%
Profit growth 3y–Sector median +17.7%
PEG0.84x
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 19 companies in Housing Finance Company (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- No promoter shares are pledged.
- Promoter holding fell by 10.81 percentage points in a year, to 64.51% (2026-09-30).
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- No dividend in the last 3 financial years.
- Price ₹441.20 on 2026-10-26: -21.6% from the 52-week high, +3.3% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹538.55 · low ₹377.45
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 751 | 785 | 833 | 848 | 897 | 943 | 984 | 993 |
| Net interest income | 751 | 785 | 833 | 848 | 897 | 943 | 984 | 993 |
| Other income | 0 | 0 | 1 | 3 | 2 | 1 | 8 | 4 |
| Net profit | 228 | 239 | 245 | 237 | 266 | 281 | 311 | 282 |
| EPS (₹) | 5.31 | 5.56 | 5.69 | 5.50 | 6.16 | 6.49 | 7.15 | 6.47 |
| Revenue YoY | +19.5% | +20.1% | +18.3% | +17.1% | ||||
| Profit YoY | +17.0% | +17.5% | +26.7% | +19.0% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|
| Revenue | 2,524 | 3,107 | 3,672 | 3,817 |
| Net profit | 749 | 912 | 1,095 | 1,140 |
| EPS (₹) | 18.96 | 21.44 | 25.31 | 26.27 |
| Revenue growth | +23.1% | +18.2% | +18.7% | |
| Profit growth | +21.9% | +20.1% | +20.1% | |
| Dividend / share (₹) | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | +18.7% |
| Net profit | – | – | +20.1% |
| EPS | – | – | – |
| Share price | – | +2.5% (2y) | -12.3% |
Balance sheet
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Shareholders' equity | 4,446 | 6,368 | 7,535 |
| Borrowings | 11,160 | 12,873 | 15,064 |
| Cash & equivalents | 1,271 | 1,722 | 1,213 |
| Total assets | 19,086 | 23,216 | 27,390 |
| Fixed assets | 30 | 32 | 35 |
| Capital work in progress | – | 0 | 0 |
| Inventory | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| Cash from operations | -2,432 | -3,026 | -2,810 |
| Cash from investing | 605 | 159 | 310 |
| Cash from financing | 1,778 | 3,389 | 2,336 |
| Capex | 15 | 15 | 19 |
| Free cash flow | -2,447 | -3,041 | -2,828 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY24 | FY25 | FY26 |
|---|---|---|---|
| ROE % | 16.8% | 14.3% | 14.5% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 64.51% |
| FIIs | 4.11% |
| DIIs | 11.50% |
| of which Mutual funds | 8.21% |
| of which Insurance | 0.88% |
| Government | 0.00% |
| Public (non-institutions) | 19.88% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 75.74% | 75.61% | 75.50% | 75.32% | 75.19% | 64.90% | 64.66% | 64.51% |
| Promoter group | % |
|---|---|
| BCP Asia II Holdco VII PTE. Ltd. | 64.51% |
| Blackstone Capital Partners (CYM) IX AIV - F L.P | 0.00% |
| Blackstone Capital Partners Asia II L.P. | 0.00% |
| Public holders above 1% | % |
|---|---|
| Axdi Ldii SPV 1 Ltd | 10.07% |
| HDFC Small CAP Fund | 2.74% |
| Whiteoak Capital Flexi CAP Fund | 1.47% |
| ICICI Bank Ltd | 1.06% |
| DSP Small CAP Fund | 1.02% |
1,57,845 shareholders. Pledged: 0.00% of promoter shares.
Peers in Housing Finance Company
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹65,449 cr | 23.3x | 2.7x | 12.4% | 1.96% | – | – | – |
| PNBHOUSING | ₹28,300 cr | 12.0x | 1.5x | 13.0% | 2.51% | – | +9.5% | 0.46% |
| LICHSGFIN | ₹27,377 cr | 4.8x | 0.7x | 14.8% | 1.76% | – | +8.3% | 2.01% |
| AADHARHFC | ₹19,295 cr | 16.8x | 2.6x | 16.4% | 4.16% | – | – | – |
| HOMEFIRST | ₹10,578 cr | 18.1x | 2.4x | 16.9% | 3.83% | – | +34.3% | 0.36% |
| APTUS | ₹9,912 cr | 13.6x | 2.3x | 18.1% | 7.65% | – | +16.9% | 2.27% |
| CANFINHOME | ₹9,666 cr | 8.4x | 1.5x | 19.4% | 2.52% | – | +15.4% | 1.79% |
| SAMMAANCAP | ₹9,363 cr | – | 0.5x | -35.9% | -10.78% | – | +0.7% | 0.00% |
| AAVAS | ₹8,929 cr | 13.0x | 1.8x | 14.6% | 3.24% | – | +18.6% | – |
| INDIASHLTR | ₹6,777 cr | 12.8x | 2.1x | 17.9% | 5.50% | – | – | 0.79% |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial and Insurance activities: Financial services activities, except insurance and pension funding
| Sector | Financial Services |
| Industry | Housing Finance Company |
| Sub-industry | Housing Finance Company |
| Symbol | AADHARHFC |
| BSE code | 544176 |
| ISIN | INE883F01010 |
| Face value | ₹10.0 |
| Incorporated | 1990-11-26 |
| Website | https://aadharhousing.com |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.