AADHAR HOUSING FINANCE L
Financial trend (81/100) does the heavy lifting; momentum (48/100) is the drag.
Fair valueAADHAR HOUSING FINANCE L earns a Buy from StocksWizard, with a blended score of 61/100. At ₹496.7 it trades above our blended DCF and relative-multiples fair value of ₹462.3, about 7% downside to that estimate — we read it as fairly valued. On 20.0x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 11% below its 52-week high of ₹556.5 and 13% above the low of ₹439.1. Financial health scores 87/100, with a Piotroski F-score of 4/9. The average analyst target of ₹620.15 implies about 25% upside across 13 analysts. It clears 6 of 12 investability checks, with durability 68, valuation 58 and momentum 48 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹369.84.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-10.75% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy61Piotroski F-score 4/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 15.8%
- Fail: Low debt (D/E < 0.5): 2.56x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 24%
- Pass: Earnings growing: 26%
- Pass: Net margin ≥ 10%: 48.2%
- Pass: Current ratio > 1.5: 5.88
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 4/9
Quarterly results
Annual financials
Shareholding
- Promoter74.8%
- Institutions10.2%
- Public & other15.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (48.2%).
Opportunities
- Earnings growing (26% YoY).
- Revenue growing (24% YoY).
Bear case
Weaknesses
- High debt relative to equity.
About AADHAR HOUSING FINANCE L
Aadhar Housing Finance Limited provides housing finance services in India, offering residential property loans, plot purchase and construction financing, home improvement loans, commercial property loans, and loans secured against residential properties. The company serves individuals, companies, corporations, societies, and associations of persons.
AADHAR HOUSING FINANCE L — frequently asked questions
Is AADHAR HOUSING FINANCE L a buy, hold or sell?
StocksWizard currently rates AADHAR HOUSING FINANCE L (AADHARHFC) a Buy, based on a blended score of 61/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is AADHAR HOUSING FINANCE L's fair value?
Our blended DCF and relative-valuation model estimates AADHAR HOUSING FINANCE L's fair value at about ₹462.3, versus a current price of ₹496.7 — roughly 7% downside. On that basis the stock looks fairly valued.
Is AADHAR HOUSING FINANCE L financially healthy?
AADHAR HOUSING FINANCE L scores 87/100 on our financial-health model, with a Piotroski F-score of 4/9.
How has AADHAR HOUSING FINANCE L's share price performed?
AADHAR HOUSING FINANCE L is down 4% over three months, and last traded at ₹496.7. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.