₹485.0
+1.84% today
· 30d -5.81%
as of 2026-09-04
Price · Daily Candles
“Aadhar HFC's loan book keeps growing while promoters shed 10% stake.”
Aadhar Housing Finance, with a market cap of ₹20,835 Cr, reported a strong Q4 FY26 with net profit up 26.99% YoY to ₹311 Cr and revenue up 18.25% YoY to ₹985 Cr. However, the promoter holding has seen a significant decrease, down 10.29% QoQ, coinciding with a 9.64% increase in public shareholding.
BULL CASE
+Q4 FY26 net profit surged 26.99% YoY to ₹311 Cr, while revenues grew 18.25% YoY to ₹985 Cr.
+Annual net profit for FY26 increased 20.18% YoY to ₹1096 Cr, with revenue up 18.18% YoY to ₹3673 Cr.
+The company boasts high profitability with a profit margin of 48.60% and a current TTM P/E of 19.32, which is favorable compared to the forward P/E of 12.8.
+Its performance, valuation, growth, and profitability metrics are rated 'STRONG' or 'HIGH' with scores of 75, 75, 76, and 100 respectively in the business score axes.
BEAR CASE
−Promoter shareholding decreased by 10.29% QoQ in Q4 FY26, dropping to 64.9%, while public holdings increased by 9.64% over the same period.
−Despite positive growth, the company is free-cash-flow negative at -₹2,827 Cr, representing a -13.57% FCF yield.
−The stock has seen a 1-month return of -1.66% and a 6-month return of -1.68% and is trading 12.38% off its 52-week high of ₹547.8.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹993 Cr
+17.06% YoY
NET PROFIT
₹282 Cr
+19.0% YoY
OPM
75.12%
-0.55pp YoY
EPS
₹6.47
PE 19.32
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-13.4% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
Aadhar HFC's TTM P/E of 19.32 positions it above LICHSGFIN (5.5) and PNBHOUSING (12.43) but below BAJAJHFL (27.67), while its business score reflects strong profitability compared to peers like APTUS (ROCE 8.88%) or BAJAJHFL (ROCE 2.84%).
PEERPEROCE %
AADHARHFC19.32—
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ML Forward Growth Predictions 🔒
75
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
POSITIVE
55
Valuation
CHEAP
75
Growth
STRONG
76
Profitability
HIGH
100
Technicals
NEUTRAL
62
Risk
LOW
80
Key Stats
TTM PE
19.32
P/B
2.75
52W HIGH
₹563.0
OFF HIGH
-13.85%
MKT CAP
₹21052 Cr
◉ Active Signals
MACDNeutral1.6573
RSI(14)Neutral50.72
Street Consensus
12 analysts₹615.58
mean target
Low ₹537.0Now ₹485.0High ₹650.0
⧉ Strategy Fit 🔒