financial_services

Aadhar Housing Finance

AADHARHFC · Nifty 50

₹487.9

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionfinancial_services sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score97/100 (STRONG). 1 positive flags, 3 concerns.

Historical Context27 similar technical setups. Average outcome: -6.6% decline. 0% positive.

Bank HealthROA 4.00% · PB 2.8 · Asset growth 18.0%.

Fundamental

97/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Aadhar Housing Finance scores 97/100 on fundamentals (strong). Aadhar Housing Finance: BROAD EXPANSION regime.

Fundamental Score: 97/100 · STRONG · 2 signals detected

DuPont Analysis

ROE 14.5% broken into three drivers. Each shows how efficiently the company generates returns.

ROE14.5%=

31.7%Net Margin

0.1xTurnover

3.6xLeverage

ROE of 14.53% is moderate margin-driven and stable. Net margin of 31.7% × asset turnover of 0.13x × leverage of 3.6x. Low asset turnover is normal for banks.

What This Means

Net margin of 31.7% means the company keeps ₹31.7 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.13x means the company generates ₹0.13 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 3.6x means the company uses significant debt. Higher leverage amplifies returns but also risk.

Margin Structure

Gross

44.5%

Operating

36.4%

Net

31.7%

improving

Gross margin 44.5% → operating margin 36.4% → net margin 31.7%. Margins are IMPROVING. Strong pricing power with stable gross margins suggests the improvement is from operating leverage — sustainable.

Financial Health

Peer Comparison

Aadhar Housing Finance is compared against 10 peers in the financial_services sector.

360ONE ABCAPITAL ANANDRATHI ANGELONE APTUS BAJAJFINSV BAJAJHLDNG BAJFINANCE BSE CAMS

Bank Metrics

Return on Assets

4.00%

Benchmark: >1%

Efficiency Ratio

68.3%

Lower is better

Asset Growth

+18.0%

Year over year

PB Ratio

2.8x

Price to book

ROA of 4.0% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 2.75x — trading above book. Premium valuation — market pricing in high growth expectations.

Key Watchpoints

🟢

Breaks above ₹512 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹464 (-5%)

Further downside risk

🟢

Financial_Services sector entering leadership

Sector rotation signal

Detected Patterns

✅ Strong ROA: ROA of 4.00% — above 1% benchmark for banks

✅ Strong Loan Book Growth: Assets growing 18.0% — loan book expansion

Risk Flags

🔴 1 Critical⚠️ 2 Warning✅ 1 Positive4 total flags

🔴Operating cash flow significantly below net income

Cash Flow

OCF is only -2.6x net income. Profit not converting to cash — aggressive accounting possible.

⚠️Special charges present in income statement

Earnings Quality

Special charges of ₹118K Cr. May indicate restructuring, impairment, or one-time costs.

⚠️Price/Sales: 9.4x — expensive on revenue basis

Valuation

High revenue multiple. Market pricing in significant growth or margins expansion.

✅High promoter holding: 75%

Governance

Strong insider alignment. Promoters have significant skin in the game.

⚠️ 1 critical + 2 warning flags. Exercise caution.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

19.1UNAVAILABLE

P/B Ratio

2.7HIGH

Market Cap

₹2071266.3L CrHIGH

From 52W High

89% of high

Sector Peers

← All Stocks Market GPS Daily Brief financial_services Sector