ALFA Finder| Margins | Spreads improved by 13 bps YoY to 5.8%. |
|---|---|
| Demand visibility | Strong; targeting underserved low-income segments with ticket sizes <$16k. |
| Management confidence | High; citing seasoned business model and robust credit assessment framework. |
Growth
AUM grew 20% YoY to $3,218Mn; PAT increased 22% YoY to $117Mn; Disbursements up 17% to $1,006Mn.
Outlook
Focus on digital-first operating model, AI/ML for credit underwriting, and expanding 626-branch network in tier 4/5 towns.
Risks
Asset quality shows slight GNPA uptick (+3 bps to 1.08%); concentration in low-income segment sensitive to economic shifts.
Last quarter's promises, checked
Delivered
- AUM growth ~20% → delivered 20% (= BEAT)
- Disbursement growth 16-17% → delivered 17% (= BEAT)
- Cost-to-income drop ~50 bps → delivered 55 bps drop (= BEAT)
Partly delivered
- Credit cost within 25 bps → delivered 28 bps (= PARTIAL)
Missed
- GNPA target 1.10-1.15% → delivered 1.38% (= MISS)
Earnings Call filed with BSE, NSE: AADHARHFC. Summary written with AI assistance from the document.
Aadhar Housing Finance Ltd: key numbers
- Share price
- ₹446.90
- Market cap
- ₹19,592 Cr
- Revenue (annual)
- ₹3,673 Cr
- Net profit (annual)
- ₹1,096 Cr
- P/E (TTM)
- 16.6×Sector 20.8×
- Promoter holding
- 64.51%-0.15% QoQ
- FII holding
- 4.11%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Aadhar Housing Finance Ltd
All →Aadhar Housing Finance Earnings Call Transcript: Key Takeaways
Q2 FY27 PAT ₹308 Cr with 22% disbursement growth, but GS2 rose ~25bps QoQ and management stayed defensive, reiterating guidance despite rate-hike pressure.
- Call
- Guides 20% growth
Aadhar Housing Finance Management Change
Aadhar Housing Finance redesignated Sandeep Jain as Chief Business Officer, making him Senior Management Personnel from 5 November 2026. This is a senior executive designation change disclosed under Regulation 30.
Aadhar Housing Finance Employee Stock Options
Aadhar Housing Finance's board granted 9,81,800 employee stock options under ESOP Plan 2025 at Rs. 425 per option. Options vest after a minimum of one year.
Aadhar Housing Finance Investor Presentation: Key Takeaways
H1 FY27: AUM ₹326.4bn (+20% adj. YoY), PAT ₹5.9bn (+22% adj.; reported +17%), GNPA 1.3%, ROA 4.2%. Spreads stable at 5.7%.
Aadhar Housing Finance Results Update
Aadhar Housing Finance reported Q2 FY27 PAT of Rs 308 Crore, up 16% YoY. AUM reached Rs 32,643 Crore with GNPA improving to 1.34%.
- new branches
- 1.0 branches
Aadhar Housing Finance Q2 FY27 Results: Net Profit ₹308.3 Cr, Up 15.7% YoY
Aadhar Housing Finance Ltd reported revenue from operations of ₹1,048 Cr (+16.8% YoY) and net profit of ₹308.3 Cr (+15.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹308.3 Cr · +15.7% YoY