Aadhar Housing Finance Ltd
AADHARHFC
Finance
₹ 430.10
Price
₹ 18,573
Market Cap
Mid Cap
20.37
P/E Ratio
📊 Score Snapshot
5.82 / 25
Performance
24.99 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
37.81 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 14.46 | - | - | - | - | - | - |
| Adj Cash PAT | 624.00 | 594.73 | 700.49 | 329.87 | 492.70 | 89.56 | -306.89 |
| Adj Cash PAT To PAT | 0.68 | 0.79 | 1.33 | 0.74 | 1.45 | 0.48 | -2.02 |
| Adj Cash PE | 29.26 | - | - | - | - | - | - |
| Adj EPS | 21.14 | - | - | - | - | - | - |
| Adj Number Of Shares | 43.14 | - | - | - | - | - | - |
| Adj PE | 20.02 | - | - | - | - | - | - |
| Bvps | 147.71 | - | - | - | - | - | - |
| Cash Conversion Cycle | - | - | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Cash Revenue | 3,102 | 7,749 | 6,126 | 5,182 | 4,726 | 4,164 | 3,797 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dso | - | - | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Fcfe | 3,009 | 2,409 | 2,191 | 651.87 | 1,252 | 1,623 | 980.11 |
| Fcfe Margin | 97.00 | 31.08 | 35.77 | 12.58 | 26.49 | 38.97 | 25.81 |
| Fcfe To Adj PAT | 3.30 | 3.21 | 4.17 | 1.47 | 3.68 | 8.70 | 6.44 |
| Market Cap | 18,261 | - | - | - | - | - | - |
| PB | 2.87 | - | - | - | - | - | - |
| PE | 20.02 | - | - | - | - | - | - |
| PS | 5.88 | - | - | - | - | - | - |
| ROE | 16.85 | 18.40 | 15.35 | 15.24 | 13.48 | 11.64 | - |
| Share Price | 423.30 | - | - | - | - | - | - |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 833.00 | 1,596 | 1,528 | 1,426 | 2,076 | 2,019 | 1,258 | 1,186 | 1,665 |
| Interest | 315.00 | 297.00 | 285.00 | 277.00 | 262.00 | 251.00 | 239.00 | 235.00 | 213.00 |
| Expenses - | 197.00 | 187.00 | 180.00 | 173.00 | 166.00 | 156.00 | 132.00 | 166.00 | 133.00 |
| Financing Profit | 321.00 | 314.00 | 299.00 | 263.00 | 264.00 | 266.00 | 258.00 | 192.00 | 209.00 |
| Financing Margin % | 38.54 | 19.67 | 19.57 | 18.44 | 12.72 | 13.17 | 20.51 | 16.19 | 12.55 |
| Other Income - | 1.23 | 0.03 | 0.01 | 0.01 | 0.02 | 0.03 | 0.12 | - | 0.08 |
| Exceptional Items | - | - | - | - | - | - | - | - | -25.00 |
| Depreciation | 6.00 | 6.00 | 6.00 | 6.00 | 6.00 | 5.00 | 5.00 | 5.00 | 4.00 |
| Profit Before Tax | 316.00 | 308.00 | 292.00 | 257.00 | 259.00 | 261.00 | 253.00 | 187.00 | 180.00 |
| Tax % | 22.47 | 22.40 | 21.92 | 22.18 | 22.01 | 21.84 | 22.13 | 21.93 | 21.67 |
| Net Profit - | 245.00 | 239.00 | 228.00 | 200.00 | 202.00 | 204.00 | 197.00 | 146.00 | 141.00 |
| Exceptional Items At | - | - | - | - | - | - | - | - | -19.00 |
| Profit For PE | 245.00 | 239.00 | 228.00 | 200.00 | 202.00 | 204.00 | 197.00 | 146.00 | 160.00 |
| Profit For EPS | 245.00 | 239.00 | 228.00 | 200.00 | 202.00 | 204.00 | 197.00 | 146.00 | 141.00 |
| EPS In Rs | 5.68 | 5.56 | 5.29 | 4.69 | 5.11 | 5.17 | 5.00 | 3.71 | 3.56 |
| PAT Margin % | 29.41 | 14.97 | 14.92 | 14.03 | 9.73 | 10.10 | 15.66 | 12.31 | 8.47 |
| PBT Margin | 37.94 | 19.30 | 19.11 | 18.02 | 12.48 | 12.93 | 20.11 | 15.77 | 10.81 |
| Tax | 71.00 | 69.00 | 64.00 | 57.00 | 57.00 | 57.00 | 56.00 | 41.00 | 39.00 |
| Yoy Profit Growth % | 21.00 | 17.00 | 15.00 | 37.00 | 26.00 | - | - | - | - |
| Adj PAT | 245.00 | 239.00 | 228.00 | 200.00 | 202.00 | 204.00 | 197.00 | 146.00 | 121.42 |
| Adj PAT Margin | 29.41 | 14.97 | 14.92 | 14.03 | 9.73 | 10.10 | 15.66 | 12.31 | 7.29 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|
| Sales | 3,108 | 7,761 | 6,129 | 5,184 | 4,725 | 4,164 | 3,798 |
| Interest | 1,174 | 987.00 | 799.00 | 761.00 | 816.00 | 793.00 | 732.00 |
| Expenses - | 737.00 | 619.00 | 507.00 | 387.00 | 316.00 | 350.00 | 276.00 |
| Financing Profit | 1,197 | 981.00 | 737.00 | 580.00 | 444.00 | 245.00 | 258.00 |
| Financing Margin % | 38.51 | 12.64 | 12.02 | 11.19 | 9.40 | 5.88 | 6.79 |
| Other Income - | 1.28 | 0.17 | 0.21 | 0.29 | 0.22 | 0.79 | 0.02 |
| Exceptional Items | - | -0.34 | -24.92 | -0.17 | -0.38 | -2.98 | -14.34 |
| Depreciation | 25.00 | 21.00 | 16.00 | 13.00 | 11.00 | 12.00 | 9.00 |
| Profit Before Tax | 1,173 | 960.00 | 696.00 | 567.00 | 433.00 | 231.00 | 235.00 |
| Tax % | 22.25 | 21.88 | 21.70 | 21.52 | 21.48 | 18.18 | 31.06 |
| Net Profit - | 912.00 | 750.00 | 545.00 | 445.00 | 340.00 | 189.00 | 162.00 |
| Exceptional Items At | - | - | -19.00 | - | - | -2.00 | -10.00 |
| Profit For PE | 912.00 | 750.00 | 564.00 | 445.00 | 340.00 | 192.00 | 172.00 |
| Profit For EPS | 912.00 | 750.00 | 545.00 | 445.00 | 340.00 | 189.00 | 162.00 |
| EPS In Rs | 21.14 | - | - | - | - | - | - |
| PAT Margin % | 29.34 | 9.66 | 8.89 | 8.58 | 7.20 | 4.54 | 4.27 |
| PBT Margin | 37.74 | 12.37 | 11.36 | 10.94 | 9.16 | 5.55 | 6.19 |
| Tax | 261.00 | 210.00 | 151.00 | 122.00 | 93.00 | 42.00 | 73.00 |
| Adj PAT | 912.00 | 749.73 | 525.49 | 444.87 | 339.70 | 186.56 | 152.11 |
| Adj PAT Margin | 29.34 | 9.66 | 8.57 | 8.58 | 7.19 | 4.48 | 4.01 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 34.81 | 26.41 | 23.05 | 24.15 | 29.53 | 8.87 |
| Advance From Customers | - | - | 2.00 | 3.00 | 3.00 | 6.00 | 5.00 | 4.00 |
| Average Total Assets | 21,158 | - | 17,856 | 15,497 | 14,003 | 12,998 | 10,923 | - |
| Average Total Equity | 5,411 | - | 4,074 | 3,422 | 2,920 | 2,520 | 1,603 | - |
| Borrowing | 16,322 | - | 13,960 | 12,153 | 10,675 | 10,374 | 9,643 | 8,195 |
| Cash Equivalents | 1,723 | 1,829 | 1,273 | 1,918 | 1,710 | 2,171 | 3,142 | 1,054 |
| Fixed Assets | 92.00 | 85.00 | 80.00 | 63.00 | 55.00 | 53.00 | 44.00 | 42.00 |
| Gross Block | - | - | 114.63 | 89.73 | 78.12 | 77.28 | 73.80 | 32.93 |
| Investments | 513.00 | 513.00 | 462.00 | 459.00 | 338.00 | 497.00 | 24.00 | 150.00 |
| Loans N Advances | 20,484 | 18,253 | 22.00 | 15.00 | 29.00 | 38.00 | 30.00 | 13.00 |
| Long Term Borrowings | - | 14,609 | - | - | - | - | - | - |
| Net Debt | -2,236 | 12,267 | 12,225 | 9,776 | 8,627 | 7,706 | 6,477 | 6,991 |
| Other Asset Items | 411.00 | 402.00 | 17,236 | 14,154 | 12,238 | 10,868 | 9,122 | 8,218 |
| Other Borrowings | - | - | 13,960 | 12,153 | 10,675 | 10,374 | 9,643 | 8,195 |
| Other Liability Items | 403.00 | 474.00 | 573.00 | 683.00 | 500.00 | 518.00 | 342.00 | 406.00 |
| Reserves | 5,941 | 5,442 | 4,055 | 3,303 | 2,752 | 2,298 | 2,308 | 834.00 |
| Share Capital | 431.00 | 430.00 | 395.00 | 395.00 | 395.00 | 395.00 | 39.00 | 25.00 |
| Total Assets | 23,224 | 21,082 | 19,093 | 16,618 | 14,376 | 13,630 | 12,366 | 9,480 |
| Total Borrowings | - | 14,609 | 13,960 | 12,153 | 10,675 | 10,374 | 9,643 | 8,195 |
| Total Equity | 6,372 | 5,872 | 4,450 | 3,698 | 3,147 | 2,693 | 2,347 | 859.00 |
| Total Equity And Liabilities | 23,224 | 21,082 | 19,093 | 16,618 | 14,376 | 13,630 | 12,366 | 9,480 |
| Total Liabilities | 16,852 | 15,210 | 14,643 | 12,920 | 11,229 | 10,937 | 10,019 | 8,621 |
| Trade Payables | 126.00 | 127.00 | 109.00 | 80.00 | 51.00 | 39.00 | 29.00 | 16.00 |
| Trade Receivables | - | - | 20.00 | 8.00 | 5.00 | 3.00 | 4.00 | 4.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 3,389 | 1,778 | 1,463 | 275.00 | 1,279 | 3,701 | 3,356 |
| Cash From Investing Activity | 160.00 | 602.00 | -477.00 | 823.00 | -480.00 | -1,495 | -49.00 |
| Cash From Operating Activity | -3,027 | -2,429 | -1,156 | -907.00 | -1,780 | -1,785 | -2,554 |
| Cash Paid For Purchase Of Fixed Assets | -15.00 | -15.00 | -10.00 | -12.00 | -5.00 | -3.00 | -9.00 |
| Cash Paid For Purchase Of Investments | -6,363 | -5,316 | -8,398 | -6,523 | -2,518 | -12,750 | -14,474 |
| Cash Paid For Redemption Of Debentures | -401.00 | -1,128 | -153.00 | -800.00 | -386.00 | -182.00 | - |
| Cash Paid For Repayment Of Borrowings | -3,124 | -2,731 | -2,264 | -2,713 | -2,462 | -2,094 | -1,188 |
| Cash Received From Borrowings | 4,848 | 4,347 | 2,985 | 3,415 | 2,786 | 3,500 | 2,475 |
| Cash Received From Issue Of Debentures | 1,052 | 1,320 | 917.00 | 419.00 | 815.00 | 300.00 | - |
| Cash Received From Issue Of Shares | 1,036 | - | - | - | - | 1,300 | - |
| Cash Received From Sale Of Investments | 6,324 | 5,338 | 8,308 | 6,706 | 2,054 | 12,925 | 14,535 |
| Change In Other Working Capital Items | -282.00 | -144.00 | 178.00 | -113.00 | 152.00 | -97.00 | -458.00 |
| Change In Receivables | -6.00 | -12.00 | -3.00 | -2.00 | 1.00 | - | -1.00 |
| Change In Working Capital | -288.00 | -155.00 | 175.00 | -115.00 | 153.00 | -97.00 | -459.00 |
| Direct Taxes Paid | -251.00 | -220.00 | -142.00 | -115.00 | -100.00 | -68.00 | -75.00 |
| Dividends Paid | - | - | - | - | - | - | -18.00 |
| Interest Paid | 1,449 | - | - | - | - | - | - |
| Interest Received | 128.00 | - | - | - | - | - | - |
| Net Cash Flow | 522.00 | -49.00 | -169.00 | 191.00 | -981.00 | 422.00 | 754.00 |
| Other Cash Financing Items Paid | -16.00 | -29.00 | -23.00 | -45.00 | 526.00 | 868.00 | 2,016 |
| Other Cash Investing Items Paid | 86.00 | 596.00 | -377.00 | 652.00 | -11.00 | -1,657 | -29.00 |
| Other Cash Operating Items Paid | -3,642 | -3,060 | -1,928 | -1,293 | -2,332 | -1,953 | -2,272 |
| Profit From Operations | -301.00 | 1,006 | 739.00 | 617.00 | 498.00 | 334.00 | 253.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Aadharhfc | 2025-03-31 | - | 5.32 | 8.58 | 10.51 | 0.00 |
| Aadharhfc | 2024-12-31 | - | 4.30 | 9.27 | 10.69 | 0.00 |
| Aadharhfc | 2024-09-30 | - | 4.32 | 9.46 | 10.33 | 0.00 |
| Aadharhfc | 2024-06-30 | - | 4.18 | 8.50 | 10.86 | 0.00 |
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