ALFA Finder| Management target | Net Profit 26.0% FY26 |
|---|
| Margins | Stable spreads at 5.8% |
|---|---|
| Demand visibility | Strong in low-income housing |
| Management confidence | High regarding digital transformation |
Growth
AUM grew 18% YoY; PAT increased 19% YoY. Disbursements grew 19% YoY on a comparable basis.
Outlook
Focus on low-income housing, digital expansion via AI-led underwriting, and maintaining a 26% PAT CAGR.
Risks
Slight compression in spreads (-3 bps YoY) and potential asset quality fluctuations in low-income segments.
Last quarter's promises, checked
Delivered
- Guided 20% AUM growth → delivered 20% (= BEAT)
- Guided 20% Profit growth → delivered 20% (= BEAT)
- Guided 17-18% Disbursement growth → delivered 17% (= BEAT)
Partly delivered
- Guided 50 bps reduction in cost-to-income → delivered 55 bps improvement (= BEAT)
Investor Presentation 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