Aadhar Housing Finance Ltd (AADHARHFC) Fair Value & Analysis
Financial Services · IN · Market cap ₹226B (≈ $2.4B) · ISIN INE883F01010
What is Aadhar Housing Finance Ltd really worth?
A solid business, but trading 48% above our fair value of ₹325.75.
Strengths
Risks
Fair value as of: Aug 30, 2026
From 11 valuation models · updated 6 days ago
Share price −4.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The model range is unusually wide (₹165.53 to ₹494.60). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 30, 2026.
How to read this chart
28‑month range ₹329.45 – ₹556.50 · fair‑value band ₹165.53 – ₹494.60 · the ₹483.55 price screens above the ₹325.75 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 30, 2026.
Analysis
Aadhar Housing Finance Ltd (AADHARHFC) currently trades at ₹483.55, while our model-based Fair Value estimate is ₹325.75, implying the stock looks roughly 48.4% overvalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹624.45 per share, and 5 of the 11 models we run sit above the ₹483.55 price. Bear case: the Growth DCF group reads lowest at ₹65.84, and 6 of the 11 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Aadhar Housing Finance Ltd generated revenue of ₹22.5B at a net margin of 48.6%. Revenue grew 20.9% year over year. It earns a return on equity of 15.8%. Net debt stands at ₹175B. Fundamentals as of Aug 30, 2026
Our scenario range runs from ₹165.53 (bear case) to ₹494.60 (bull case); at ₹483.55, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 12% below its 52-week high and 12% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −5% fair-value upside, at −33%, AADHARHFC screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹10.73 per share, which is 3.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 11 models by family
Widest divergence: Earnings-Based (₹624.45) versus Growth DCF (₹65.84). Highest evidence: Growth DCF (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 30, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 55
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Aadhar Housing Finance Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties.
Full company description
Aadhar Housing Finance Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties. It also provides loans against property; and other property related services. It serves individuals, companies, corporations, societies, and association of persons. The company was formerly known as DHFL Vysya Housing Finance Limited and changed its name to Aadhar Housing Finance Limited in August 2017. Aadhar Housing Finance Limited was incorporated in 1990 and is based in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Aadhar Housing Finance Ltd reported revenue of ₹36.9B in FY2026 versus ₹16.1B in FY2022, a compound +23.0%/yr. Reported net income was ₹11.0B in FY2026, compounding +25.3%/yr from FY2022.
AADHARHFC screens 48% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 30, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| Bajaj Housing Finance Limited BAJAJHFL | ₹84.06 | ₹39.96 | −52% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
| Aptus Value Housing Finance India Limited APTUS | ₹258.50 | ₹244.80 | −5% |
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