Aadhar Housing Finance Ltd

Aadhar Hsg. Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Aadhar Housing Finance Ltd

₹ 440 4.13%
03 Jul - close price
aadharhousing.com BSE: 544176 NSE: AADHARHFC
About

Aadhar Housing Finance Ltd is one of the largest low-income housing finance companies in India servicing the home financing needs of the low income sections of the society. [1]

Key Points

Focus on Low-Income Financing[1]
Aadhar Housing Finance is a housing finance company (HFC) focused on low-income housing segment with a ticket size of < Rs 15 lakh. The average ticket size of loans was Rs 10 lakh, with an average loan-to-value of 58.3% end of December 2023.

Website BSE NSE
  • Market Cap ₹ 18,742 Cr.
  • Current Price ₹ 440
  • High / Low ₹ 446 / 292
  • Stock P/E 25.0
  • Book Value ₹
  • Dividend Yield 0.00 %
  • ROCE 11.4 %
  • ROE 18.4 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 34.2% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance - Housing

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Dec 2023 Mar 2024
538 659 673
116 142 147
Operating Profit 422 517 526
OPM % 78% 78% 78%
-25 0 0
Interest 213 251 262
Depreciation 4 5 6
Profit before tax 179 260 258
Tax % 22% 22% 22%
141 203 202
EPS in Rs 3.56 5.15 5.10
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Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1,240 1,372 1,550 1,693 1,994 2,524
254 334 290 351 458 557
Operating Profit 985 1,038 1,260 1,342 1,536 1,967
OPM % 79% 76% 81% 79% 77% 78%
-14 -2 -0 -0 -25 0
Interest 731 793 816 761 799 987
Depreciation 5 12 11 13 16 21
Profit before tax 235 231 432 567 696 959
Tax % 31% 18% 21% 22% 22% 22%
162 189 340 445 545 749
EPS in Rs 64.51 47.99 8.61 11.26 13.80 18.96
Dividend Payout % 11% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 15%
3 Years: 18%
TTM: 27%
Compounded Profit Growth
10 Years: %
5 Years: 34%
3 Years: 30%
TTM: 33%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 16%
3 Years: 17%
Last Year: 18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 25 39 395 395 395 395
Reserves 835 2,308 2,298 2,751 3,301 4,051
8,195 9,643 10,374 10,675 12,153 13,960
406 375 561 552 764 680
Total Liabilities 9,461 12,365 13,628 14,372 16,613 19,086
24 44 53 55 63 80
CWIP 0 0 0 0 0 0
Investments 149 24 497 338 458 458
9,288 12,297 13,077 13,979 16,092 18,548
Total Assets 9,461 12,365 13,628 14,372 16,613 19,086

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-2,558 -1,784 -907 -1,157 -2,432
-48 -1,496 823 -475 605
3,360 3,701 275 1,463 1,778
Net Cash Flow 754 422 191 -169 -49

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 1 1 1 1 1 3
Inventory Days
Days Payable
Cash Conversion Cycle 1 1 1 1 1 3
Working Capital Days -26 -36 -59 -49 -79 -52
ROCE % 10% 10% 10% 10%

Shareholding Pattern

Numbers in percentages

2 Recently
May 2024
76.48%
4.47%
7.17%
11.88%
No. of Shareholders 7,30,542

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

No data available.

DRHP

Credit ratings

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