Nifty

:

23250.10

Sensex

:

76295.36

-82.25 (-0.35%)
-322.08 (-0.42%)

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Nifty
Sensex

:
:

23250.10
76295.36

-82.25 (-0.35%)
-322.08 (-0.42%)

Aadhar Housing Finance Ltd.

Finance - Housing

Rating :

N/A

BSE: 544176 | NSE: AADHARHFC

Watchlist

NSE BSE

392.95

06-Feb-2025

Open
High
Low
Previous Close

392.95
396.00
385.90
391.25

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

233553
913.59
516.80
292.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

19,707.80
22.05
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

28,870.83
N/A
3.13

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/B 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 Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Net Sales 785.10 658.54 19.22% 750.82 614.00 22.28% 696.78 578.01 20.55% 672.98 538.11 25.06%
Expenses 174.17 141.84 22.79% 166.93 117.44 42.14% 156.46 150.49 3.97% 146.92 115.89 26.78%
EBITDA 610.93 516.70 18.24% 583.89 496.56 17.59% 540.32 427.52 26.38% 526.06 422.22 24.59%
EBIDTM 77.82% 78.46% 77.77% 80.87% 77.55% 73.96% 78.17% 78.46%
Other Income 0.01 0.02 -50.00% 0.01 0.01 0.00% 0.02 0.01 100.00% 0.02 0.08 -75.00%
Interest 296.87 250.84 18.35% 285.18 238.62 19.51% 277.01 235.35 17.70% 261.88 213.46 22.68%
Depreciation 6.48 5.45 18.90% 6.20 4.95 25.25% 6.11 4.82 26.76% 5.76 4.41 30.61%
PBT 307.59 260.43 18.11% 292.52 253.00 15.62% 257.22 187.36 37.29% 258.44 179.43 44.03%
Tax 68.36 56.99 19.95% 64.96 55.72 16.58% 57.14 41.08 39.09% 56.93 38.82 46.65%
PAT 239.23 203.44 17.59% 227.56 197.28 15.35% 200.08 146.28 36.78% 201.51 140.61 43.31%
PATM 30.47% 30.89% 30.31% 32.13% 28.71% 25.31% 29.94% 26.13%
EPS 5.55 4.72 17.58% 5.28 4.58 15.28% 4.65 3.40 36.76% 4.68 3.26 43.56%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Net Sales 797.61 673.05 18.51% 764.27 628.55 21.59% 713.14 593.42 20.17% 691.79 555.43 24.55%
Expenses 186.61 156.23 19.45% 180.47 132.08 36.64% 172.79 165.85 4.18% 165.56 133.08 24.41%
EBITDA 611.00 516.82 18.22% 583.80 496.47 17.59% 540.35 427.57 26.38% 526.23 422.35 24.60%
EBIDTM 76.60% 76.79% 76.39% 78.99% 75.77% 72.05% 76.07% 76.04%
Other Income 0.03 0.03 0.00% 0.01 0.12 -91.67% 0.01 0.00 0 0.02 0.08 -75.00%
Interest 296.87 250.84 18.35% 285.18 238.62 19.51% 277.01 235.35 17.70% 261.88 213.46 22.68%
Depreciation 6.48 5.45 18.90% 6.20 4.95 25.25% 6.11 4.82 26.76% 5.76 4.41 30.61%
PBT 307.68 260.56 18.08% 292.43 253.02 15.58% 257.24 187.40 37.27% 258.61 179.56 44.02%
Tax 68.34 56.29 21.41% 64.92 55.72 16.51% 57.10 41.09 38.96% 56.85 38.86 46.29%
PAT 239.34 204.27 17.17% 227.51 197.30 15.31% 200.14 146.31 36.79% 201.76 140.70 43.40%
PATM 30.01% 30.35% 29.77% 31.39% 28.06% 24.66% 29.16% 25.33%
EPS 5.56 5.17 7.54% 5.29 5.00 5.80% 4.69 3.71 26.42% 5.11 3.56 43.54%

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 2,905.68 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 21.64% 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 0.00 Gross Profit 2,905.68 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 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 644.48 556.69 458.04 351.11 290.66 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 2,261.20 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 77.82% 77.94% 77.03% 79.26% 81.24% 89.01% 90.27% 90.24% 91.22% 87.79% 87.01% Other Income 0.06 0.06 0.24 0.05 0.38 0.00 0.00 0.00 0.00 0.00 0.00 Interest 1,120.94 986.69 799.19 761.20 815.97 131.33 117.56 99.07 84.31 63.41 41.54 Depreciation 24.55 20.98 16.49 13.25 11.19 0.38 0.68 0.37 0.27 0.28 0.29 PBT 1,115.77 959.23 720.55 567.10 432.28 40.01 43.13 36.13 28.19 16.88 16.80 Tax 247.39 210.72 150.97 122.45 92.31 13.29 14.76 9.88 6.82 4.57 4.69 Tax Rate 22.17% 21.97% 21.71% 21.59% 21.35% 33.22% 34.22% 27.35% 24.19% 27.07% 27.92% PAT 868.38 748.51 544.58 444.65 339.97 26.72 28.37 26.25 21.37 12.31 12.11 PAT before Minority Interest 868.38 748.51 544.58 444.65 339.97 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 0.00 PAT Margin 29.89% 29.66% 27.31% 26.27% 21.94% 13.85% 15.87% 17.47% 17.29% 13.41% 17.97% PAT Growth 26.29% 37.45% 22.47% 30.79% 1,172.34% -5.82% 8.08% 22.84% 73.60% 1.65% EPS 20.16 17.38 12.64 10.32 7.89 0.62 0.66 0.61 0.50 0.29 0.28

Description TTM Mar 24 Mar 23 Mar 22 Mar 21
Net Sales 2,966.81 2,586.81 2,043.23 1,728.27 1,575.33 Net Sales Growth 21.07% 26.60% 18.22% 9.71% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 Gross Profit 2,966.81 2,586.81 2,043.23 1,728.27 1,575.33 GP Margin 100.00% 100% 100% 100% 100% Total Expenditure 705.43 619.72 507.02 386.75 316.17 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 2,261.38 1,967.09 1,536.21 1,341.52 1,259.16 EBITDA Margin 76.22% 76.04% 75.19% 77.62% 79.93% Other Income 0.07 0.17 0.29 0.29 0.51 Interest 1,120.94 986.69 799.19 761.20 815.97 Depreciation 24.55 20.98 16.49 13.25 11.19 PBT 1,115.96 959.59 720.82 567.36 432.51 Tax 247.21 209.95 151.06 122.51 92.38 Tax Rate 22.15% 21.88% 21.71% 21.59% 21.36% PAT 868.75 749.64 544.76 444.85 340.13 PAT before Minority Interest 868.75 749.64 544.76 444.85 340.13 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin 29.28% 28.98% 26.66% 25.74% 21.59% PAT Growth 26.17% 37.61% 22.46% 30.79% EPS 20.17 17.41 12.65 10.33 7.90

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 13,983.88 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 22.11 0.00 0.00 0.00 8.17 6.34 5.59 1.32 0.00 0.00 Current Liabilities 655.82 754.69 612.06 542.88 209.43 184.38 165.81 146.78 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 0.00 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 17,537.40 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. 46.10 23.19 33.41 48.70 1.81 1.43 0.98 0.93 0.00 0.00 Other Non Current Assets 50.70 6.25 24.11 25.19 0.80 0.80 0.80 0.80 0.00 0.00 Current Assets 1,546.20 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 255.29 250.17 238.19 208.76 93.49 68.49 52.29 44.38 1.27 331.70 Short Term Loans & Adv. 0.00 8.68 7.15 6.96 93.18 68.25 51.69 44.25 1.15 331.45 Net Current Assets 890.38 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 13,984.94 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 23.56 0.00 0.00 0.00 Current Liabilities 657.98 757.32 614.22 545.23 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 0.00 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 17,538.17 14,405.09 12,271.03 10,765.53 Capital Work in Progress 0.00 0.00 0.00 0.00 Non Current Investment 457.83 459.40 196.32 24.00 Long Term Loans & Adv. 46.88 24.67 35.19 49.95 Other Non Current Assets 50.70 6.25 24.11 25.19 Current Assets 1,552.39 2,184.82 2,102.39 2,862.41 Current Investments 4.14 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 255.29 250.17 238.19 208.76 Short Term Loans & Adv. 0.00 8.68 7.15 6.56 Net Current Assets 894.41 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.) 112.05 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 18.48% 16.06% 15.29% 13.51% 24.92% 24.28% 15.88% 17.28% 14.98% 13.00% ROCE 11.36% 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 3.16 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.) 112.15 92.50 79.33 68.03 ROA 4.20% 3.52% 3.18% 2.62% ROE 18.50% 16.06% 15.29% 13.52% ROCE 11.36% 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 3.15 3.33 3.41 3.86 Interest Cover 1.97 1.87 1.75 1.53

Top Investors:

quant mutual fund - quant active fund

investor education and protection fund (iepf)

Annual Reports:

News Update:

Aadhar Housing Fin - Quarterly Results
6th Feb 2025, 17:24 PM

Read More

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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