Aadhar Housing Finance Ltd.
NSE: AADHARHFCAadhar Housing Finance Ltd.: A 30-second snapshot
Aadhar Housing Finance (₹464.15) is a housing finance company with a 5-year revenue CAGR of 20% and PAT CAGR of 17.3%, reporting Q4 FY26 consolidated PAT of ₹3.11 billion and 20% AUM growth. The stock trades below its 50-DMA (₹476.29) and 200-DMA (₹490.96) with a 52-week drawdown of 15.27%, despite positive operating momentum. Trailing PE stands at 18.6 versus a forward PE of 12.3, with 12 analysts covering the stock (mean rating 1.08 on a 1–5 scale, lower = more constructive).
P/E
18.6
Forward P/E
12.3
ROE
—
Debt / Equity
255.35
Profit Margin
+48.0%
Div. Yield
—
5Y ROE > 15%
1/5
5Y FCF > 0
0/5
Quality
60/100
News
7 headlines · 2 positive · 0 negative
AADHARHFC: 20% AUM growth and 22% PAT increase, with robust asset quality and upgraded credit ratings - TradingView
TradingView
Aadhar Housing Finance March-Quarter Consol PAT 3.11 Billion Rupees - TradingView
TradingView
Aadhar Housing Finance March-quarter consol PAT 3.11 billion rupees - marketscreener.com
marketscreener.com
Transcript : Aadhar Housing Finance Limited, 2026 Earnings Call, May 05, 2026 - marketscreener.com
marketscreener.com
Aadhar Housing Finance Affirms No Deviation in Use of Debt and Equity Issue Proceeds - TipRanks
TipRanks
Recent context
- ·Q4 FY26 earnings call (May 5, 2026) reported consolidated PAT of ₹3.11 billion, 20% AUM growth, and upgraded credit ratings; the company also affirmed no deviation in use of debt and equity issue proceeds.
- ·News sentiment across 7 articles is neutral-to-positive (2 positive, 5 neutral, 0 negative), with no negative headlines in the coverage window.
- ·The 52-week drawdown of 15.27% and below-MA price position exist alongside the positive earnings news, indicating the stock has not retraced its earlier losses in response to the Q4 results.
Strengths
- +5-year revenue CAGR of 20% and earnings CAGR of 17.3% reflect consistent top-line and bottom-line compounding over the measured period.
- +Forward PE of 12.3 represents a 34% discount to trailing PE of 18.6, implying the market is pricing in substantial earnings growth already confirmed by Q4 FY26 results (22% PAT growth, 20% AUM growth).
- +Profit margin of 48.02% is high for a lending business, indicating efficient interest spread management relative to operating costs.
- +Quality score of 53 ranks 1st among the 6 peers listed in the sector data, and credit ratings were upgraded according to May 2026 news coverage.
Weaknesses
- −Debt-to-equity of 255.35 with 0 FCF-positive years on record and a rising debt trend means the business relies entirely on external funding with no free-cash-flow buffer identified in available data.
- −ROE data is unavailable and roeYearsAbove15 is 1, making it difficult to assess whether returns on equity justify the leverage deployed; consistency score of 42 is below median.
- −Price has been below the 200-DMA for an extended period, with a 52-week drawdown of 15.27% and only +0.78% 1-year price change despite reported operational growth.
- −Sector classification groups AADHARHFC with large private banks and diversified financial conglomerates rather than direct HFC peers, reducing the interpretive value of all comparative metrics in the sector data.
Open questions
- ?Does the housing finance company business model structurally preclude positive reported FCF, or does the 0 FCF-positive years figure reflect an actual deterioration in cash generation?
- ?How does the 255.35 D/E ratio and rising debt trend compare to direct HFC peers such as Home First Finance, Aavas Financiers, or Can Fin Homes, which are not included in the current sector peer set?
- ?What explains the divergence between 20% AUM growth, 22% PAT growth, and upgraded credit ratings on one hand, and a 15.27% drawdown with below-MA price positioning on the other?
- ?Is the forward PE of 12.3 based on consensus analyst estimates or management guidance, and what assumptions underlie the ~51% implied earnings uplift from the trailing PE of 18.6?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| AADHARHFC | Aadhar Housing Finance Ltd.You're viewing | 18.6 | — | 53 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.8 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.2 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.4 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹464.15
SMA 50
₹476.29
SMA 200
₹490.96
RSI (14)
38.6 (neutral)
From 52w high
-15.3%
1Y return
+0.8%
3M return
-1.8%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumDebt-to-equity of 255.35 is structurally high; while elevated leverage is normal for housing finance companies, 0 FCF-positive years recorded and a rising debt trend indicate the loan book is entirely debt-funded with no free-cash-flow cushion on record.
- mediumPrice of ₹464.15 sits below the 50-DMA (₹476.29) and 200-DMA (₹490.96), with a 52-week drawdown of 15.27% and only +0.78% 1-year price change; RSI of 38.64 reflects recent selling pressure.
- mediumAADHARHFC is classified under Banking alongside large private banks and conglomerates (Axis Bank, HDFC Bank, Bajaj Finance); peer 1-year price-change data is entirely null across all 5 listed peers, and ROE ranking could not be computed, limiting the reliability of comparative analysis.
- lowROE data is unavailable, preventing assessment of returns on equity; roeYearsAbove15 stands at 1, consistency score is 42 out of 100, and quality score is 53 — mid-range metrics that limit confidence in profitability persistence.
Cross-section contradictions
- Reported 20% AUM growth, 22% PAT increase, and upgraded credit ratings (news, May 2026) contrast with the stock trading below both moving averages and delivering only +0.78% over 12 months, suggesting the operating momentum has not yet been reflected in price action.
- Trailing PE of 18.6 versus forward PE of 12.3 implies approximately 51% expected earnings growth; recent earnings reporting confirms 22% PAT growth, but the large gap between trailing and forward multiples warrants verification of the earnings base used in the forward estimate.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days