Aadhar Housing Finance Ltd Stock Price Today (NSE: AADHARHFC)
Fundamental Score
Aadhar Housing Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Aadhar Housing Finance Ltd share price today is ₹504.15, up +2.73% on NSE/BSE as of 3 August 2026. Aadhar Housing Finance Ltd (AADHARHFC) is a Large-cap company in the Housing Finance Company sector with a market capitalisation of ₹22.48K (Cr). The 52-week high for AADHARHFC share price is ₹563.00 and the 52-week low is ₹430.15. At a P/E ratio of 20.28x, AADHARHFC is currently trading above its industry average P/E of 16.67x. The company has a Return on Equity (ROE) of 15.94% and a debt-to-equity ratio of 2.49.
Aadhar Housing Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Aadhar Housing Finance Ltd share price chart: -4.07% return over the past month. 52-week high ₹563.00, 52-week low ₹430.15.
Aadhar Housing Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹502.05 | ₹515.95 | ₹490.40 | ₹504.15 | 6.57L (Cr) | |
| ₹495.00 | ₹504.00 | ₹492.05 | ₹496.70 | 2.24L (Cr) | |
| ₹494.60 | ₹499.00 | ₹487.10 | ₹490.75 | 4.31L (Cr) | |
| ₹497.90 | ₹503.00 | ₹492.50 | ₹494.55 | 3.05L (Cr) | |
| ₹498.65 | ₹504.30 | ₹496.50 | ₹497.85 | 1.60L (Cr) | |
| ₹500.00 | ₹507.60 | ₹497.30 | ₹502.00 | 2.23L (Cr) | |
| ₹500.90 | ₹502.95 | ₹492.50 | ₹495.00 | 1.37L (Cr) | |
| ₹509.95 | ₹510.25 | ₹497.05 | ₹500.80 | 1.70L (Cr) | |
| ₹515.00 | ₹515.00 | ₹503.80 | ₹510.25 | 6.31L (Cr) | |
| ₹510.40 | ₹517.35 | ₹505.60 | ₹513.50 | 3.21L (Cr) |
Aadhar Housing Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹502.05 | ₹515.95 | ₹490.40 | ₹504.15 | +0.42% | |
| ₹514.60 | ₹563.00 | ₹487.10 | ₹496.70 | -3.48% | |
| ₹473.15 | ₹542.00 | ₹449.80 | ₹515.60 | +8.97% | |
| ₹488.60 | ₹523.00 | ₹451.20 | ₹477.20 | -2.33% | |
| ₹449.05 | ₹506.70 | ₹433.25 | ₹488.60 | +8.81% | |
| ₹431.00 | ₹500.55 | ₹430.15 | ₹448.85 | +4.14% | |
| ₹479.90 | ₹495.00 | ₹434.20 | ₹458.95 | -4.37% | |
| ₹489.00 | ₹509.25 | ₹466.10 | ₹491.30 | +0.47% | |
| ₹483.00 | ₹500.00 | ₹472.75 | ₹485.05 | +0.42% | |
| ₹511.15 | ₹519.95 | ₹479.50 | ₹481.15 | -5.87% | |
| ₹512.65 | ₹542.00 | ₹501.00 | ₹509.85 | -0.55% | |
| ₹500.00 | ₹547.80 | ₹495.05 | ₹510.25 | +2.05% |
AI Research Briefing
Powered by Gemini · 2026-04-17
Aadhar is a leveraged bet on affordable housing; watch NIM compression and asset quality like a hawk.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Aadhar Housing Finance submitted a revised half-yearly statement of debt securities to BSE on April 15, 2026, detailing 24 active NCD ISINs with maturities spanning 2026 to 2032. The portfolio includes fixed-rate NCDs (7.76% to 10.00%) and floating-rate instruments.
On April 13, 2026, the CCI approved IHC's acquisition of a 10.04% shareholding in Aadhar Housing Finance.
CORE STORY (THE REAL GAME)
- Revised NCD statement shows active debt management
- CCI approved IHC's 10.04% stake acquisition
- Gross NPA at 1.38% shows sequential improvement
- RBI rate cut
- Significant order wins in affordable housing projects
- Further reduction in promoter pledging
- High promoter pledging at 67.71%
- Micro/SME cap implies liquidity risk
- Rising interest rate environment
FII increased stake by 0.53%, DII decreased stake by 0.18% [cite: brief]
RBI projects India’s real GDP growth for the current fiscal year at 6.9% [cite: brief]
No, Free Cash Flow 5Y: ₹-8898.21 Cr [cite: brief]
Aadhar's growth hinges on maintaining asset quality and NIMs. Watch for any signs of stress in its loan book.
Primary Thesis Risk
NIM compression and asset quality deterioration due to rising interest rates.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Aadhar Housing Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Aadhar Housing Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of AADHARHFC across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Return on Equity (15.94%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (76.29%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (26.99%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (18.25%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (18.52% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (24.16% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (26.64% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Balanced Promoter Holding (64.90%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Elevated Debt Levels (D/E: 2.49)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (2.04x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-10517.38 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Aadhar Housing Finance Ltd vs Housing Finance Company Peers
Peer Comparison - Housing Finance Company
Compare Aadhar Housing Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Aadhar Housing Finance LtdAadhar Housing ...Selected✓ AADHARHFC • 544176 | 39.7/100 | ₹504.15₹504 | ₹22481.19₹22481.19 | 20.28Average 20.3 Average | 15.94%Good 15.94% Good | 11.38%Average 11.38% Average | 2.49Poor 2.5 Poor | 26.64%Excellent 26.64% Excellent | 18.52%Excellent 18.52% Excellent | 0.00% |
Bajaj Housing Finance LimitedBajaj Housing F... BAJAJHFL • 544252 | 54.1/100 | ₹86.02₹86 | ₹72891.30₹72891.30 | 28.35Average 28.4 Average | 12.11%Average 12.11% Average | 8.85%Poor 8.85% Poor | 4.60Poor 4.6 Poor | 41.48%Excellent 41.48% Excellent | 28.72%Excellent 28.72% Excellent | 0.00% |
LIC Housing Finance LtdLIC Housing Fin... LICHSGFIN • 500253 | 40.5/100 | ₹523.10₹523 | ₹30214.98₹30214.98 | 5.39Average 5.4 Average | 14.41%Average 14.41% Average | 8.59%Poor 8.59% Poor | 6.70Poor 6.7 Poor | 15.38%Excellent 15.38% Excellent | 7.72%Good 7.72% Good | 1.82% |
PNB Housing Finance LtdPNB Housing Fin... PNBHOUSING • 540173 | 34.3/100 | ₹1053.10₹1053 | ₹28773.05₹28773.05 | 12.56Average 12.6 Average | 12.70%Average 12.70% Average | 9.40%Poor 9.40% Poor | 3.70Poor 3.7 Poor | 19.70%Excellent 19.70% Excellent | 2.26%Average 2.26% Average | 0.72% |
Sammaan Capital LtdSammaan Capital... SAMMAANCAP • 535789 | 5.5/100 | ₹162.43₹162 | ₹18981.71₹18981.71 | — — | -3.18%Poor -3.18% Poor | 4.92%Poor 4.92% Poor | 2.73Poor 2.7 Poor | — — | -3.97%Poor -3.97% Poor | 0.00% |
Aptus Value Housing Finance India LtdAptus Value Hou... APTUS • 543335 | 50.9/100 | ₹261.20₹261 | ₹14795.78₹14795.78 | 15.69Average 15.7 Average | 20.11%Excellent 20.11% Excellent | 15.41%Good 15.41% Good | 1.56Average 1.6 Average | 28.71%Excellent 28.71% Excellent | 27.94%Excellent 27.94% Excellent | 1.52% |
Home First Finance Company India LtdHome First Fina... HOMEFIRST • 543259 | 51/100 | ₹1189.00₹1189 | ₹13048.68₹13048.68 | 24.15Average 24.1 Average | 15.71%Good 15.71% Good | 11.13%Average 11.13% Average | 2.43Poor 2.4 Poor | 40.09%Excellent 40.09% Excellent | 31.47%Excellent 31.47% Excellent | 0.42% |
Can Fin Homes LtdCan Fin Homes L... CANFINHOME • 511196 | 45.6/100 | ₹820.60₹821 | ₹12049.83₹12049.83 | 11.10Average 11.1 Average | 19.66%Good 19.66% Good | 9.14%Poor 9.14% Poor | 6.40Poor 6.4 Poor | 18.94%Excellent 18.94% Excellent | 15.88%Excellent 15.88% Excellent | 1.66% |
Aavas Financiers LtdAavas Financier... AAVAS • 541988 | 50/100 | ₹1359.80₹1360 | ₹11897.43₹11897.43 | 18.17Average 18.2 Average | 13.92%Average 13.92% Average | 9.92%Poor 9.92% Poor | 3.11Poor 3.1 Poor | 17.74%Excellent 17.74% Excellent | 19.46%Excellent 19.46% Excellent | 0.00% |
India Shelter Finance Corporation LimitedIndia Shelter F... INDIASHLTR • 544044 | 63/100 | ₹726.50₹727 | ₹8881.99₹8881.99 | 17.65Average 17.6 Average | 17.04%Good 17.04% Good | 12.84%Average 12.84% Average | 1.95Average 1.9 Average | 41.90%Excellent 41.90% Excellent | 36.98%Excellent 36.98% Excellent | 1.23% |
Repco Home Finance LtdRepco Home Fina... REPCOHOME • 535322 | 28.2/100 | ₹385.10₹385 | ₹2553.76₹2553.76 | 5.37Average 5.4 Average | 12.73%Average 12.73% Average | 10.17%Average 10.17% Average | 3.02Poor 3.0 Poor | 9.63%Good 9.63% Good | 5.43%Good 5.43% Good | 1.10% |
Top Housing Finance Company Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Housing Finance Limited share price72891.30 Cr
- LIC Housing Finance Ltd share price30214.98 Cr
- PNB Housing Finance Ltd share price28773.05 Cr
- Sammaan Capital Ltd share price18981.71 Cr
- Aptus Value Housing Finance India Ltd share price14795.78 Cr
Aadhar Housing Finance Ltd PE Ratio History
Historical price-to-earnings ratio for AADHARHFC — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹20.85 | ₹485.05 | 23.3x |
| FY 2024 | ₹17.58 | ₹422.60 | 24x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Aadhar Housing Finance Ltd Quarterly Performance
Latest quarterly metrics for AADHARHFC — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
18.25%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
26.99%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
18.52%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
26.64%
Compounded annual net profit growth over 5 years
Aadhar Housing Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for AADHARHFC — calculated from daily price history
Selling pressure is heavy — potential reversal zone.
Technical indicators are for educational purposes only. Not investment advice.
Aadhar Housing Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Aadhar Housing Finance Ltd (AADHARHFC) — sourced from NSE/BSE filings.
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About AADHARHFC (Aadhar Housing Finance Ltd)
Aadhar Housing Finance Ltd is a dedicated housing finance company deeply rooted in the Indian landscape, focused on providing accessible and affordable homeownership solutions. Wit...h a robust network spanning numerous locations, Aadhar HFC diligently caters to the diverse housing finance needs of individuals, families, and businesses across the nation. They have carved a niche for themselves by concentrating on the lower to middle-income segments, a demographic often underserved by traditional banking institutions. Aadhar HFC strives to empower individuals to realize their dreams of owning a home by offering tailored financial products and services designed to fit their unique circumstances. Aadhar Housing Finance's product portfolio encompasses a wide range of loan options, extending beyond simple home purchase financing. Prospective homeowners can also secure funding for plot acquisition and subsequent construction, enabling them to build their dream homes from the ground up. Recognizing the importance of maintaining and improving existing properties, Aadhar HFC also offers home improvement and extension loans. Furthermore, they cater to the needs of entrepreneurs and businesses with financing solutions for commercial property construction and acquisition. Their loan against property offerings provides customers with access to capital leveraging the value of their existing residential assets. Beyond lending, Aadhar Housing Finance aims to be a trusted partner in the homeownership journey. They support individuals, companies, corporations, societies, and association of persons, streamlining the loan application process and providing guidance to their customers. By prioritizing customer service and financial literacy, Aadhar HFC aspires to build lasting relationships and contribute to the growth of the Indian housing market. Through its commitment to providing tailored financing solutions and empowering individuals, Aadhar Housing Finance plays a vital role in bridging the gap between aspiration and reality, one home at a time.
Company Details
Key Leadership
AADHARHFC Share Price: Frequently Asked Questions
What is the current share price of Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd (AADHARHFC) trades at ₹504.15 on NSE and BSE. Market cap ₹22.48K (Cr). Educational data only.
What is the P/E ratio of Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd has a P/E of 20.28x vs industry average 16.67x.
What is the Bull Run score for Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd has a Bull Run score of 39.7/100 based on 25+ financial parameters.
Does Aadhar Housing Finance Ltd pay dividends?
Aadhar Housing Finance Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd has ROE of 15.94%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Aadhar Housing Finance Ltd?
Aadhar Housing Finance Ltd has debt-to-equity of 2.49.
Is Aadhar Housing Finance Ltd a good investment?
Bull Run gives Aadhar Housing Finance Ltd a score of 39.7/100. This is not investment advice — consult a SEBI-registered advisor.