Aadhar Housing Finance Ltd Stock Price Today (NSE: AADHARHFC)
Fundamental Score
Aadhar Housing Finance Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Aadhar Housing Finance Ltd share price today is ₹460.60, up +0.00% on NSE/BSE as of 17 February 2026. Aadhar Housing Finance Ltd (AADHARHFC) is a Large-cap company in the Housing Finance Company sector with a market capitalisation of ₹21.01K (Cr). The 52-week high for AADHARHFC share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 21.27x, AADHARHFC is currently trading above its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 16.86% and a debt-to-equity ratio of 2.55.
Aadhar Housing Finance Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Aadhar Housing Finance Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Aadhar Housing Finance Share Price: A Conservative Value Investor's Perspective
The housing finance industry, particularly for the low-income segment, presents unique opportunities and challenges. One key insight is that loan collection efficiency directly impacts profitability; a higher percentage of Non-Performing Assets (NPAs) can severely erode shareholder value. This analysis examines the financial health of Aadhar Housing Finance, with a focus on capital safety, particularly concerning the current Aadhar Housing Finance share price of ₹474.70. The price-to-earnings (PE) ratio stands at 21.27.
A critical factor for a conservative investor is Return on Capital Employed (ROCE). Aadhar Housing Finance reports an ROCE of 11.42%. While seemingly acceptable, it's crucial to understand its implications. A higher ROCE generally indicates a stronger moat, suggesting the company efficiently generates profits from its invested capital. However, 11.42% must be assessed relative to the cost of capital and the level of risk associated with its target borrower segment. A sustained, higher ROCE indicates a more robust business model and potentially increased intrinsic value over time.
Management quality is paramount in the housing finance sector. Credit risk assessment and collection processes are vital. Comparing Aadhar Housing Finance Ltd to peers, such as
GIC Housing Finance Ltd, the quality of risk management and loan recovery can significantly influence future performance. While we do not offer opinions on quality of management, astute investors will want to scrutinize management's track record, particularly during economic downturns, to gauge their ability to navigate challenges and maintain asset quality.Finally, value investors focus on margin of safety. A thorough examination of Aadhar Housing Finance's loan book, asset quality, and provisioning policies is essential. The current PE ratio of 21.27 needs careful consideration relative to its growth prospects and the inherent risks in its target market. This analysis is part of a comprehensive 80-parameter fundamental audit, verified by Sweta Mishra, designed to assess the underlying strength and potential risks associated with Aadhar Housing Finance Ltd. No recommendations are provided.
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
5 factors identified
Strong Return on Equity (16.86%)
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 (76.77%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (17.38%)
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 (17.50% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (36.61% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Risk Factors
6 factors identified
Weak Earnings Growth (-15.32% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Elevated Debt Levels (D/E: 2.55)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.99x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-8898.21 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
High Share Pledging Risk (67.71%)
Observation: Significant promoter share pledging creates potential overhang.
Analysis: High pledging levels may create selling pressure during market downturns.
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 Financial Statements
Comprehensive financial data for Aadhar Housing Finance Ltd including income statement, balance sheet and cash flow
About AADHARHFC (Aadhar Housing Finance Ltd)
Aadhar Housing Finance Ltd (AADHARHFC) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Housing Finance Company sector with a current market capitalisation of ₹21.01K (Cr). Aadhar Housing Finance Ltd has delivered a Return on Equity (ROE) of 16.86% and a ROCE of 11.42%. The debt-to-equity ratio stands at 2.55, reflecting the company's capital structure. Investors tracking AADHARHFC share price can monitor key metrics including P/E ratio, promoter holding of 75.32%, and quarterly earnings growth.
Company Details
Key Leadership
AADHARHFC Share Price: Frequently Asked Questions
What is the current share price of Aadhar Housing Finance Ltd (AADHARHFC)?
As of 17 Feb 2026, 10:07 am IST, Aadhar Housing Finance Ltd share price is ₹460.60. The AADHARHFC stock has a market capitalisation of ₹21.01K (Cr) on NSE/BSE.
Is AADHARHFC share price Overvalued or Undervalued?
AADHARHFC share price is currently trading at a P/E ratio of 21.27x, compared to the industry average of 18.03x. Based on this relative valuation, the Aadhar Housing Finance Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of AADHARHFC share price?
The 52-week high of AADHARHFC share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Aadhar Housing Finance Ltd share price?
Key factors influencing AADHARHFC share price include quarterly earnings growth (Sales Growth: 17.38%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Aadhar Housing Finance Ltd a good stock for long-term investment?
Aadhar Housing Finance Ltd shows a 5-year Profit Growth of 36.61% and an ROE of 16.86%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.55 before investing in AADHARHFC shares.
How does Aadhar Housing Finance Ltd compare with its industry peers?
Aadhar Housing Finance Ltd competes with major peers in the Housing Finance Company. Investors should compare AADHARHFC share price P/E of 21.27x and ROE of 16.86% against the industry averages to determine competitive standing.
What is the P/E ratio of AADHARHFC and what does it mean?
AADHARHFC share price has a P/E ratio of 21.27x compared to the industry average of 18.03x. Investors pay ₹21 for every ₹1 of annual earnings.
How is AADHARHFC performing according to Bull Run's analysis?
AADHARHFC has a Bull Run fundamental score of 31.1/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does AADHARHFC belong to?
AADHARHFC operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Aadhar Housing Finance Ltd share price.
What is Return on Equity (ROE) and why is it important for AADHARHFC?
AADHARHFC has an ROE of 16.86%, which indicates excellent management efficiency. ROE measures how efficiently Aadhar Housing Finance Ltd generates profits from shareholders capital.
How is AADHARHFC debt-to-equity ratio and what does it indicate?
AADHARHFC has a debt-to-equity ratio of 2.55, which indicates high leverage that increases financial risk.
What is AADHARHFC dividend yield and is it a good dividend stock?
AADHARHFC offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Aadhar Housing Finance Ltd shares.
How has AADHARHFC share price grown over the past 5 years?
AADHARHFC has achieved 5-year growth rates of: Sales Growth 17.50%, Profit Growth 36.61%, and EPS Growth -15.32%.
What is the promoter holding in AADHARHFC and why does it matter?
Promoters hold 75.32% of AADHARHFC shares, with 67.71% pledged. High promoter holding often indicates strong management confidence in Aadhar Housing Finance Ltd.
What is AADHARHFC market capitalisation category?
AADHARHFC has a market capitalisation of ₹21012 crores, placing it in the Large-cap category.
How volatile is AADHARHFC stock?
AADHARHFC has a beta of N/A. A beta > 1 suggests the Aadhar Housing Finance Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is AADHARHFC operating profit margin trend?
AADHARHFC has a 5-year average Operating Profit Margin (OPM) of 76.77%, indicating the company's operational efficiency.
How is AADHARHFC quarterly performance?
Recent quarterly performance shows Aadhar Housing Finance Ltd YoY Sales Growth of 17.38% and YoY Profit Growth of 17.12%.
What is the institutional holding pattern in AADHARHFC?
AADHARHFC has FII holding of 6.11% and DII holding of 8.25%. Significant institutional holding often suggests professional confidence in the Aadhar Housing Finance Ltd stock.