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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Aadhar Housing Finance Limited is an India-based retail-focused housing finance company (HFC) that primarily serves the low-income housing segment. It primarily targets economically weaker and low-to-middle-income individuals seeking small-ticket mortgage loans. Most…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
AADHAR HOUSING FINANCE L is scored on the nbfc / financials framework. It keeps a fat 29.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 22%/yr and profit at 26%/yr. Book value itself has compounded 27%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 14.4%. In the latest quarter profit fell 9% versus the prior quarter.
At 17× earnings, the stock sits at the 2nd percentile of its own 2.5-year range — the cheap end of where it has historically traded. Today's price implies ~6%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 15.95 | 11.08 | worse |
| P/B | 2.3 | — | — |
| EV/EBITDA | 12.2 | — | — |
| ROE | 14.42 | 9.33 | better |
| ROCE | 10.38 | 8.78 | better |
| ROA | 4.03 | — | — |
| Quick Ratio | 1.37 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 22% CAGR over 3 years — high-growth territory.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (26% vs 22%) — margin expansion is at work.
Operating margin has expanded from 34% to 38% — the business is keeping more of each rupee earned.
ROE at 15% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (26% vs 22%) — share dilution is eroding per-share value. 22% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (10% spread) — a predictable, non-seasonal revenue stream.
How today's P/E compares to the stock's own historical range. Dashed line = the 2.5y median.
Promoter holding at 64.5% — majority control intact. Promoters reduced 10.7pp over 4 quarters — watch whether this is planned divestment or pledge invocations. FIIs trimmed 2.1pp — foreign money is rotating out. MF holding up 2.9pp — domestic institutional discovery underway.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.