Aadhar Housing Finance Limited share price
NSE: AADHARHFC · ISIN INE883F01010
Key numbers
- Market cap
- ₹ 19,487 Cr
- Current price
- ₹ 444.50
- 52-week high / low
- ₹ 563 / 430
- Stock P/E
- 17.2
- Book value
- ₹ 173.1
- Dividend yield
- 0.00%
- ROCE
- 11.2%
- ROE
- 15.8%
- Debt to equity
- 2.49
- Sales growth (3 yrs)
- 21.7%
- Profit growth (3 yrs)
- 26.2%
- 1-year return
- -17.7%
About Aadhar Housing Finance Limited
Aadhar Housing Finance Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties. It serves individuals, companies, corporations, societies, and association of persons. The company was formerly known as DHFL Vysya Housing Finance Limited and changed its name to Aadhar Housing Finance Limited in August 2017. Aadhar Housing Finance Limited was incorporated in 1990 and is based in Mumbai, India. Aadhar Housing Finance Limited is a subsidiary of Bcp Asia Ii Holdco Vii Pte. Ltd.
Quarterly results
Consolidated figures in ₹ crores
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 811 | 849 | 884 | 911 | 937 |
| Operating profit | 299 | 313 | 341 | 337 | 344 |
| Net profit | 237 | 266 | 281 | 311 | 282 |
| EPS (₹) | 5.50 | 6.16 | 6.49 | 7.16 | 6.47 |
Concall summary (2026-08-04)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- We remain confident of delivering our medium-term guidance of 20% AUM, sustained profitability and industry-leading asset quality while staying alert to the environment around us.
- So, there's a P&L charge of about INR14 crores in quarter 1 FY27, which was not there in quarter 1 FY26.
Growth & demand
- As we move ahead, we are firm and stick with our medium - term guidance of 20% AUM growth, 20% profit growth, 17% to 18% disbursement growth for the full year.
- As I indicated in my opening statement, for the current financial year, a 20% growth on AUM, a 20% growth on PAT and a 17%, 18% on disbursement is what we will stand by.
Margins & costs
- So was like collection efficiency strong enough and we will be able to pull it back and even like 40 basis points of credit cost will eventually come down and the full year credit cost would settle much lower.
- I think from expenses cost to income, we believe that we still have the ability to drop cost to income by approximately 30 bps to 40 bps on a yearly basis.
Capex & expansion
- And in quarter 1 FY27 has been all about getting that execution rigor forward with disciplined growth, calibrated ris k and continued investment in productivity across our branch network.
- On distribution, as on June '26, our network stands at 628 branches across 22 states and covering 550 plus districts, in line with our calibrated, need-based expansion approach.
Balance sheet & cash
- Our overall borrowings as on 30th June '26, stood at INR20,000 crores compared to INR16,876 crores a year before this.
- In Q1, fresh NHB borrowings were INR746 crores at 6.9%, which included AHF borrowing of INR149 crores at 4.3%.
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