Nifty

:

23587.50

Sensex

:

78041.59

-364.20 (-1.52%)
-1176.46 (-1.49%)

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Nifty
Sensex

:
:

23587.50
78041.59

-364.20 (-1.52%)
-1176.46 (-1.49%)

Aadhar Housing Finance Ltd.

Finance - Housing

Rating :

N/A

BSE: 544176 | NSE: AADHARHFC

Watchlist

NSE BSE

424.25

20-Dec-2024

Open
High
Low
Previous Close

425.00
434.80
422.50
424.85

Volume
Traded Value (lacs)
52 Week High
52 Week Low

485373
2079.81
516.80
292.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

18,336.18
24.46
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

27,499.21
N/A
3.14

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

30.31
-
14.39

EBITDA CAGR (%)

10 Years
5 Years
3 Years

28.41
-
7.96

PAT CAGR (%)

10 Years
5 Years
3 Years

38.72
-
19.00

P:E (Median)

8 Years
5 Years
3 Years

-
-
-

P:BV (Average)

8 Years
5 Years
3 Years

-
-
-

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
-

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 17.58 22.07 26.81 31.68
P/E Ratio 24.12 19.21 15.81 13.38
Revenue 4999 1953 2370 2785
EBITDA 1967
Net Income 750 918 1129 1351
ROA 4.2 4.4 4.4 4.4
P/Bk Ratio 4.06 2.84 2.37 2.03
ROE 18.4 17.23 16.39 16.88
FCFF -2428.84
FCFF Yield -8.07

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 750.82 614.00 22.28% 696.78 578.01 20.55% 672.98 538.11 25.06% 0.00 0.00 0
Expenses 166.93 117.44 42.14% 156.46 150.49 3.97% 146.92 115.89 26.78% 0.00 0.00 0
EBITDA 583.89 496.56 17.59% 540.32 427.52 26.38% 526.06 422.22 24.59% 0.00 0.00 0
EBIDTM 77.77% 80.87% 77.55% 73.96% 78.17% 78.46% 0.00% 0.00%
Other Income 0.01 0.01 0.00% 0.02 0.01 100.00% 0.02 0.08 -75.00% 0.00 0.00 0
Interest 285.18 238.62 19.51% 277.01 235.35 17.70% 261.88 213.46 22.68% 0.00 0.00 0
Depreciation 6.20 4.95 25.25% 6.11 4.82 26.76% 5.76 4.41 30.61% 0.00 0.00 0
PBT 292.52 253.00 15.62% 257.22 187.36 37.29% 258.44 179.43 44.03% 0.00 0.00 0
Tax 64.96 55.72 16.58% 57.14 41.08 39.09% 56.93 38.82 46.65% 0.00 0.00 0
PAT 227.56 197.28 15.35% 200.08 146.28 36.78% 201.51 140.61 43.31% 0.00 0.00 0
PATM 30.31% 32.13% 28.71% 25.31% 29.94% 26.13% 0.00% 0.00%
EPS 5.29 4.59 15.25% 4.66 3.40 37.06% 4.69 3.27 43.43% 0.00 0.00 0

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 764.27 628.55 21.59% 713.14 593.42 20.17% 691.79 555.43 24.55% 0.00 0.00 0
Expenses 180.47 132.08 36.64% 172.79 165.85 4.18% 165.56 133.08 24.41% 0.00 0.00 0
EBITDA 583.80 496.47 17.59% 540.35 427.57 26.38% 526.23 422.35 24.60% 0.00 0.00 0
EBIDTM 76.39% 78.99% 75.77% 72.05% 76.07% 76.04% 0.00% 0.00%
Other Income 0.01 0.12 -91.67% 0.01 0.00 0 0.02 0.08 -75.00% 0.00 0.00 0
Interest 285.18 238.62 19.51% 277.01 235.35 17.70% 261.88 213.46 22.68% 0.00 0.00 0
Depreciation 6.20 4.95 25.25% 6.11 4.82 26.76% 5.76 4.41 30.61% 0.00 0.00 0
PBT 292.43 253.02 15.58% 257.24 187.40 37.27% 258.61 179.56 44.02% 0.00 0.00 0
Tax 64.92 55.72 16.51% 57.10 41.09 38.96% 56.85 38.86 46.29% 0.00 0.00 0
PAT 227.51 197.30 15.31% 200.14 146.31 36.79% 201.76 140.70 43.40% 0.00 0.00 0
PATM 29.77% 31.39% 28.06% 24.66% 29.16% 25.33% 0.00% 0.00%
EPS 5.29 5.00 5.80% 4.69 3.71 26.42% 5.11 3.56 43.54% 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11
Net Sales - 2,523.53 1,994.03 1,692.61 1,549.72 192.93 178.76 150.23 123.62 91.80 67.38 Net Sales Growth - 26.55% 17.81% 9.22% 703.26% 7.93% 18.99% 21.53% 34.66% 36.24% Cost Of Goods Sold - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit - 2,523.53 1,994.03 1,692.61 1,549.72 192.93 178.76 150.23 123.62 91.80 67.38 GP Margin - 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure - 556.69 458.04 351.11 290.66 21.20 17.39 14.66 10.85 11.21 8.75 Power & Fuel Cost - 4.28 3.43 2.25 2.77 0.21 0.18 0.15 0.13 0.12 0.11 % Of Sales - 0.17% 0.17% 0.13% 0.18% 0.11% 0.10% 0.10% 0.11% 0.13% 0.16% Employee Cost - 345.67 279.09 214.45 164.82 10.71 9.23 8.12 6.49 5.85 4.91 % Of Sales - 13.70% 14.00% 12.67% 10.64% 5.55% 5.16% 5.41% 5.25% 6.37% 7.29% Manufacturing Exp. - 56.17 44.48 28.72 27.90 2.07 2.54 1.63 1.26 1.23 1.10 % Of Sales - 2.23% 2.23% 1.70% 1.80% 1.07% 1.42% 1.09% 1.02% 1.34% 1.63% General & Admin Exp. - 101.98 77.05 53.06 38.16 6.13 4.29 2.89 2.42 2.37 1.74 % Of Sales - 4.04% 3.86% 3.13% 2.46% 3.18% 2.40% 1.92% 1.96% 2.58% 2.58% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 52.87 57.42 54.88 59.78 2.29 1.33 2.03 0.69 1.77 0.00 % Of Sales - 2.10% 2.88% 3.24% 3.86% 1.19% 0.74% 1.35% 0.56% 1.93% 1.48% EBITDA - 1,966.84 1,535.99 1,341.50 1,259.06 171.73 161.37 135.57 112.77 80.59 58.63 EBITDA Margin - 77.94% 77.03% 79.26% 81.24% 89.01% 90.27% 90.24% 91.22% 87.79% 87.01% Other Income - 0.06 0.24 0.05 0.38 0.00 0.00 0.00 0.00 0.00 0.00 Interest - 986.69 799.19 761.20 815.97 131.33 117.56 99.07 84.31 63.41 41.54 Depreciation - 20.98 16.49 13.25 11.19 0.38 0.68 0.37 0.27 0.28 0.29 PBT - 959.23 720.55 567.10 432.28 40.01 43.13 36.13 28.19 16.88 16.80 Tax - 210.72 150.97 122.45 92.31 13.29 14.76 9.88 6.82 4.57 4.69 Tax Rate - 21.97% 21.71% 21.59% 21.35% 33.22% 34.22% 27.35% 24.19% 27.07% 27.92% PAT - 748.51 544.58 444.65 339.97 26.72 28.37 26.25 21.37 12.31 12.11 PAT before Minority Interest - 748.51 544.58 444.65 339.97 26.72 28.37 26.25 21.37 12.31 12.11 Minority Interest - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin - 29.66% 27.31% 26.27% 21.94% 13.85% 15.87% 17.47% 17.29% 13.41% 17.97% PAT Growth - 37.45% 22.47% 30.79% 1,172.34% -5.82% 8.08% 22.84% 73.60% 1.65% EPS - 17.42 12.67 10.35 7.91 0.62 0.66 0.61 0.50 0.29 0.28

Description TTM Mar 24 Mar 23 Mar 22 Mar 21
Net Sales - 2,586.81 2,043.23 1,728.27 1,575.33 Net Sales Growth - 26.60% 18.22% 9.71% Cost Of Goods Sold - 0.00 0.00 0.00 0.00 Gross Profit - 2,586.81 2,043.23 1,728.27 1,575.33 GP Margin - 100% 100% 100% 100% Total Expenditure - 619.72 507.02 386.75 316.17 Power & Fuel Cost - 4.28 3.43 2.25 2.77 % Of Sales - 0.17% 0.17% 0.13% 0.18% Employee Cost - 403.48 322.01 248.19 188.81 % Of Sales - 15.60% 15.76% 14.36% 11.99% Manufacturing Exp. - 58.48 46.30 29.85 29.12 % Of Sales - 2.26% 2.27% 1.73% 1.85% General & Admin Exp. - 104.89 81.29 53.83 38.46 % Of Sales - 4.05% 3.98% 3.11% 2.44% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% Miscellaneous Exp. - 52.87 57.42 54.88 59.78 % Of Sales - 2.04% 2.81% 3.18% 3.79% EBITDA - 1,967.09 1,536.21 1,341.52 1,259.16 EBITDA Margin - 76.04% 75.19% 77.62% 79.93% Other Income - 0.17 0.29 0.29 0.51 Interest - 986.69 799.19 761.20 815.97 Depreciation - 20.98 16.49 13.25 11.19 PBT - 959.59 720.82 567.36 432.51 Tax - 209.95 151.06 122.51 92.38 Tax Rate - 21.88% 21.71% 21.59% 21.36% PAT - 749.64 544.76 444.85 340.13 PAT before Minority Interest - 749.64 544.76 444.85 340.13 Minority Interest - 0.00 0.00 0.00 0.00 PAT Margin - 28.98% 26.66% 25.74% 21.59% PAT Growth - 37.61% 22.46% 30.79% EPS - 17.44 12.67 10.35 7.91

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Shareholder's Funds 4,446.01 3,695.57 3,145.39 2,692.54 115.22 95.45 80.57 74.51 65.63 48.60 Share Capital 394.76 394.76 394.76 394.76 11.08 11.08 11.08 11.08 11.08 7.08 Total Reserves 4,028.72 3,280.31 2,735.76 2,290.58 104.14 84.37 69.48 63.43 54.55 41.52 Non-Current Liabilities 13,961.77 12,162.89 10,614.90 10,392.28 907.79 745.11 552.54 407.83 378.39 299.47 Secured Loans 13,898.85 12,084.86 10,508.26 10,250.72 892.29 732.72 541.11 399.27 365.70 290.38 Unsecured Loans 60.77 68.59 91.33 123.75 8.20 6.36 6.11 6.71 12.98 9.30 Long Term Provisions 0.00 0.00 0.00 0.00 8.17 6.34 5.59 1.32 0.00 0.00 Current Liabilities 677.93 754.69 612.06 542.88 209.43 184.38 165.81 146.78 3.99 3.05 Trade Payables 108.54 80.46 50.97 38.63 0.22 0.15 0.70 0.83 0.71 0.45 Other Current Liabilities 547.28 657.79 473.22 492.85 194.17 177.12 137.51 123.29 1.23 1.12 Short Term Borrowings 0.00 0.00 75.00 0.00 0.00 0.00 25.63 20.00 0.00 0.00 Short Term Provisions 22.11 16.44 12.87 11.40 15.03 7.11 1.96 2.67 2.04 1.48 Total Liabilities 19,085.71 16,613.15 14,372.35 13,627.70 1,232.44 1,024.94 798.92 629.12 448.01 351.12 Net Block 79.82 63.32 55.07 53.13 1.21 1.14 1.08 1.00 0.91 0.88 Gross Block 124.03 90.05 85.82 82.98 4.46 3.82 4.02 3.53 3.15 2.92 Accumulated Depreciation 44.21 26.73 30.75 29.85 3.25 2.68 2.94 2.52 2.24 2.04 Non Current Assets 17,487.31 14,402.46 12,269.26 10,764.29 1,043.78 889.72 739.31 576.01 431.09 3.63 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Non Current Investment 457.84 458.25 196.33 24.01 5.39 5.50 36.88 37.03 7.27 2.75 Long Term Loans & Adv. 35.79 23.19 33.41 48.70 1.81 1.43 0.98 0.93 0.00 0.00 Other Non Current Assets 10.92 6.25 24.11 25.19 0.80 0.80 0.80 0.80 0.00 0.00 Current Assets 1,556.51 2,182.99 2,100.98 2,861.30 188.66 135.23 59.60 53.12 16.91 347.48 Current Investments 0.00 0.00 141.70 473.09 1.39 2.99 1.23 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 19.53 7.97 5.19 2.72 3.01 2.53 1.83 1.68 1.85 1.90 Cash & Bank 1,271.38 1,916.17 1,708.75 2,169.77 90.76 61.21 4.25 7.06 13.79 13.88 Other Current Assets 265.60 250.17 238.19 208.76 93.49 68.49 52.29 44.38 1.27 331.70 Short Term Loans & Adv. 10.31 8.68 7.15 6.96 93.18 68.25 51.69 44.25 1.15 331.45 Net Current Assets 878.58 1,428.30 1,488.92 2,318.42 -20.77 -49.15 -106.21 -93.66 12.92 344.44 Total Assets 19,083.60 16,611.04 14,370.24 13,625.59 1,232.44 1,024.95 798.91 629.13 448.00 351.11

Description Mar 24 Mar 23 Mar 22 Mar 21
Shareholder's Funds 4,449.75 3,697.66 3,146.69 2,692.82 Share Capital 394.76 394.76 394.76 394.76 Total Reserves 4,032.46 3,282.40 2,737.06 2,290.86 Non-Current Liabilities 13,961.38 12,162.63 10,614.62 10,392.00 Secured Loans 13,898.85 12,084.86 10,508.26 10,250.72 Unsecured Loans 60.77 68.59 91.33 123.75 Long Term Provisions 0.00 0.00 0.00 0.00 Current Liabilities 681.54 757.32 614.22 545.23 Trade Payables 108.64 80.50 51.00 38.68 Other Current Liabilities 549.34 659.33 474.32 494.05 Short Term Borrowings 0.00 0.00 75.00 0.00 Short Term Provisions 23.56 17.49 13.90 12.50 Total Liabilities 19,092.67 16,617.61 14,375.53 13,630.05 Net Block 79.82 63.32 55.07 53.13 Gross Block 124.03 90.05 85.82 82.98 Accumulated Depreciation 44.21 26.73 30.75 29.85 Non Current Assets 17,492.22 14,405.09 12,271.03 10,765.53 Capital Work in Progress 0.00 0.00 0.00 0.00 Non Current Investment 461.97 459.40 196.32 24.00 Long Term Loans & Adv. 36.57 24.67 35.19 49.95 Other Non Current Assets 10.92 6.25 24.11 25.19 Current Assets 1,558.56 2,184.82 2,102.39 2,862.41 Current Investments 0.00 0.00 141.70 473.09 Inventories 0.00 0.00 0.00 0.00 Sundry Debtors 19.53 7.97 5.19 2.72 Cash & Bank 1,273.43 1,918.00 1,710.16 2,171.28 Other Current Assets 265.60 250.17 238.19 208.76 Short Term Loans & Adv. 10.31 8.68 7.15 6.56 Net Current Assets 877.02 1,427.50 1,488.17 2,317.18 Total Assets 19,090.56 16,615.50 14,373.42 13,627.94

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Cash From Operating Activity -2,431.81 -1,157.21 -906.64 -1,203.21 37.67 21.01 12.99 13.81 9.76 5.71 PBT 959.23 695.55 567.10 432.28 36.13 28.19 16.88 16.80 11.93 8.87 Adjustment 46.69 42.81 49.30 65.94 2.34 0.86 1.59 1.06 0.63 0.35 Changes in Working Capital -157.07 174.08 -115.94 153.62 9.63 -1.07 -0.60 0.82 1.56 -0.66 Cash after chg. in Working capital 848.85 912.44 500.46 651.84 48.10 27.98 17.87 18.69 14.12 8.56 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -220.80 -141.78 -114.57 -100.85 -10.43 -6.97 -4.88 -4.87 -3.37 -2.55 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.99 -0.30 Extra & Other Items -3,059.86 -1,927.87 -1,292.53 -1,754.20 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity 604.62 -475.43 822.56 -480.53 1.16 29.52 -1.59 -30.38 -5.08 -0.47 Net Fixed Assets -33.98 -4.23 -2.84 -78.52 -0.64 0.20 -0.49 -0.38 -0.23 Net Investments 0.41 -120.22 159.07 -490.32 1.71 29.62 -1.08 -29.76 -4.52 Others 638.19 -350.98 666.33 88.31 0.09 -0.30 -0.02 -0.24 -0.33 Cash from Financing Activity 1,778.09 1,463.19 274.85 701.39 -9.29 6.44 -14.21 10.64 -4.76 -13.14 Net Cash Inflow / Outflow -49.10 -169.45 190.77 -982.35 29.54 56.96 -2.81 -5.93 -0.09 -7.90 Opening Cash & Equivalents 403.31 572.76 381.99 1,364.34 61.21 4.25 7.06 13.79 13.88 21.78 Closing Cash & Equivalent 354.21 403.31 572.76 381.99 90.76 61.21 4.25 7.86 13.79 13.88

Description Mar 24 Mar 23 Mar 22 Mar 21
Cash From Operating Activity -2,428.84 -1,155.69 -906.75 -1,202.29 PBT 959.59 695.82 567.36 432.51 Adjustment 46.46 42.75 49.29 65.94 Changes in Working Capital -155.32 175.32 -115.48 153.33 Cash after chg. in Working capital 850.73 913.89 501.17 651.78 Interest Paid 0.00 0.00 0.00 0.00 Tax Paid -219.71 -141.71 -115.39 -99.87 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 Extra & Other Items -3,059.86 -1,927.87 -1,292.53 -1,754.20 Cash From Investing Activity 601.87 -476.53 822.57 -480.48 Net Fixed Assets -33.98 -4.23 -2.84 Net Investments 0.41 -120.22 159.07 Others 635.44 -352.08 666.34 Cash from Financing Activity 1,778.09 1,463.19 274.85 701.39 Net Cash Inflow / Outflow -48.88 -169.03 190.67 -981.38 Opening Cash & Equivalents 405.14 574.17 383.50 1,364.88 Closing Cash & Equivalent 356.26 405.14 574.17 383.50

Financial Ratios

Standalone /

Consolidated

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10 Mar 09
Book Value (Rs.) 111.05 92.45 79.30 68.02 103.98 86.14 72.71 67.25 59.23 68.64 ROA 4.19% 3.52% 3.18% 2.62% 2.33% 2.34% 1.72% 2.25% 2.14% 1.80% ROE 18.64% 16.06% 15.29% 13.51% 24.92% 24.28% 15.88% 17.28% 14.98% 13.00% ROCE 11.38% 10.08% 9.88% 9.96% 12.22% 12.53% 11.40% 10.95% 10.88% 11.11% Fixed Asset Turnover 23.58 22.68 20.05 21.92 36.32 31.55 24.32 20.19 16.43 14.93 Receivable days 1.99 1.20 0.85 0.80 6.73 6.44 6.99 9.56 13.70 15.89 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 6.44 18.82 36.13 42.39 45.60 45.74 Cash Conversion Cycle 1.99 1.20 0.85 0.80 0.30 -12.38 -29.14 -32.83 -31.90 -29.85 Total Debt/Equity 3.18 3.33 3.41 3.86 9.46 9.56 8.78 7.34 5.77 6.17 Interest Cover 1.97 1.87 1.75 1.53 1.36 1.33 1.27 1.40 1.38 1.30

Description Mar 24 Mar 23 Mar 22 Mar 21
Book Value (Rs.) 111.14 92.50 79.33 68.03 ROA 4.20% 3.52% 3.18% 2.62% ROE 18.65% 16.06% 15.29% 13.52% ROCE 11.38% 10.09% 9.88% 9.96% Fixed Asset Turnover 24.17 23.24 20.48 22.28 Receivable days 1.94 1.18 0.84 0.79 Inventory Days 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 Cash Conversion Cycle 1.94 1.18 0.84 0.79 Total Debt/Equity 3.18 3.33 3.41 3.86 Interest Cover 1.97 1.87 1.75 1.53

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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