Aadhar Housing Finance Ltd
Ticker: AADHARHFC
Decent
68/100
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Investing Reference
Price
509.85
Market Cap
22081.23
Debt/Equity
2.5615
ROE %
16.851
PB
3.4652
Promoter %
75.317
Pledge %
51.000
1Y Rev Growth %
20.175
5Y Rev Growth %
17.494
NP Margin %
29.330
NP Margin 5Y Avg %
26.458
Trading Reference
1M Return %
-0.330
6M Return %
8.294
1Y Return %
16.007
% Away 52W High
7.443
% Away 52W Low
47.334
Daily Volume
176821
Investment Verdict
Risky
Score 57/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 36/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
Aadhar Housing Finance Ltd shows strong growth potential in the affordable housing sector.
✅ Positives
- Robust loan book growth year-on-year
- Strong demand for affordable housing
- Improving asset quality and lower NPAs
⚠️ Negatives
- High competition in the housing finance market
- Interest rate fluctuations may impact margins
- Regulatory changes could pose risks
Verdict
Positive outlook with growth potential.
Recommendation: Consider buying for long-term gains.
Upside Probability: 30% | Downside Probability: 15%
Last generated: 29/10/2025
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Business Overview
Aadhar Housing Finance Ltd is a leading housing finance company in India, dedicated to providing affordable home loans to low and middle-income families. With a strong focus on customer-centric solutions, Aadhar aims to empower individuals to achieve their dream of homeownership. The company plays a crucial role in enhancing access to housing finance, contributing to the nation's growth and development.
- Focus on affordable housing finance
- Empowering low and middle-income families
- Strong customer-centric approach
- Contributes to national housing goals
- Robust growth and market presence
Investment Thesis
Aadhar Housing Finance Ltd stands out due to its robust promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This combination positions the company well for sustainable growth and profitability, making it an appealing investment for retail investors.
- Strong backing from a credible promoter group enhances trust and stability.
- Expanding digital services offer a promising growth trajectory in a tech-driven market.
- Valuation metrics indicate Aadhar is attractively priced relative to industry peers.
- Focus on affordable housing aligns with government initiatives, boosting demand.
- Solid financial performance and growth prospects make it a compelling investment choice.
Opportunity vs Risk
Opportunities
- Growing housing demand in India
- Government support for affordable housing
- Expansion into tier-2 cities
- Rising middle-class income levels
Risks ⚠️
- Regulatory changes affecting housing finance
- High competition in the sector
- Economic slowdown impacts loan demand
- Rising interest rates may deter borrowers
Peer Perspective
Aadhar Housing Finance Ltd trades at a discount to peers like HDFC and LIC Housing Finance, reflecting its growth potential. A sustained improvement in margins and loan book growth could trigger a rerating.
Future Outlook
Aadhar Housing Finance Ltd is well-positioned for growth, driven by increasing demand in the housing sector. However, effective execution and stringent cost control will be crucial to fully capitalize on these opportunities.
AI FAQs for Retail Users
- Q: What does Aadhar Housing Finance Ltd do?A: Aadhar Housing Finance provides housing loans and financial services to low and middle-income households in India.
- Q: Is Aadhar Housing Finance Ltd a good investment?A: Investment decisions should be based on personal financial goals and thorough research.
- Q: What are the risks of investing in Aadhar Housing Finance Ltd?A: Risks include market volatility, regulatory changes, and economic conditions impacting housing demand.
- Q: How can I buy shares of Aadhar Housing Finance Ltd?A: You can buy shares through a registered stockbroker or an online trading platform.
- Q: What is the financial performance of Aadhar Housing Finance Ltd?A: Financial performance can be reviewed through quarterly reports and annual filings available to investors.
📊 Stock Investment Checklist (100 Points)
Aadhar Housing Finance Ltd • Updated: 2025-09-16 19:11:17
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10BusinessHighThe housing finance sector is growing, but competition is intense.
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10GrowthHighConsistent revenue growth, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighModerate debt levels, but liquidity is a concern.
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6GovernanceGoodPromoter holding is reasonable, but some pledging exists.
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5DriversGoodGrowth drivers are present, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Aadhar Housing Finance Ltd shows potential for growth but faces challenges in profitability and valuation. Investors should be cautious.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 68/100