Aadhar Hsg. Fin.

  • Market Cap: Small Cap
  • Industry: Housing Finance Company
  • ISIN: INE883F01010
  • NSEID: AADHARHFC
  • BSEID: 544176
INR
499.90
-16.75 (-3.24%)
BSENSE

May 06

BSE+NSE Vol: 16.99 lacs

  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
Can Fin Homes
PNB Housing
Aadhar Hsg. Fin.
INDIA SHELTE FIN
Sammaan Capital
Home First Finan
LIC Housing Fin.
Aptus Value Hou.
Aavas Financiers
Bajaj Housing
Repco Home Fin

Why is Aadhar Housing Finance Ltd ?

1
Strong Long Term Fundamental Strength with a 19.65% CAGR growth in Operating Profits
2
The company has declared Positive results for the last 3 consecutive quarters
  • NET SALES(Q) Highest at Rs 984.56 cr
  • PBDIT(Q) Highest at Rs 744.23 cr.
  • DEBT-EQUITY RATIO(HY) Lowest at 2.49 times
3
With ROE of 14.7, it has a Fair valuation with a 2.9 Price to Book Value
  • The stock is trading at a discount compared to its peers' average historical valuations
  • Over the past year, while the stock has generated a return of 6.80%, its profits have risen by 21.6% ; the PEG ratio of the company is 1
4
Reducing Promoter Confidence
  • Promoters have decreased their stake in the company by -10.29% over the previous quarter and currently hold 64.9% of the company
  • Promoters decreasing their stake may signify reduced confidence in the future of the business
stock-recommendationReal-Time Research Report

Verdict Report

How much should you hold?

  1. Overall Portfolio exposure to Aadhar Hsg. Fin. should be less than 10%
  2. Overall Portfolio exposure to Housing Finance Company should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Housing Finance Company)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Aadhar Hsg. Fin. for you?

Medium Risk, High Return

Absolute
Risk Adjusted
Volatility
Aadhar Hsg. Fin.
6.8%
0.26
26.59%
Sensex
-3.33%
-0.25
13.43%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
19.15%
EBIT Growth (5y)
19.65%
Net Debt to Equity (avg)
2.49
Institutional Holding
15.28%
ROE (avg)
14.50%
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
20
Industry P/E
21
Price to Book Value
2.89
EV to EBIT
14.18
EV to EBITDA
14.02
EV to Capital Employed
1.57
EV to Sales
10.70
PEG Ratio
0.97
Dividend Yield
NA
ROCE (Latest)
11.06%
ROE (Latest)
14.70%
Loading Valuation Snapshot...
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

12What is working for the Company
NET SALES(Q)

Highest at Rs 984.56 cr

PBDIT(Q)

Highest at Rs 744.23 cr.

DEBT-EQUITY RATIO(HY)

Lowest at 2.49 times

PBT LESS OI(Q)

Highest at Rs 390.30 cr.

PAT(Q)

Highest at Rs 310.92 cr.

EPS(Q)

Highest at Rs 7.14

-2What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...

Here's what is working for Aadhar Hsg. Fin.

Net Sales - Quarterly
Highest at Rs 984.56 cr and Grown
each quarter in the last five quarters
MOJO Watch
Near term sales trend is very positive

Net Sales (Rs Cr)

Operating Profit (PBDIT) - Quarterly
Highest at Rs 744.23 cr. and Grown
each quarter in the last five quarters
MOJO Watch
Near term Operating Profit trend is quite positive

Operating Profit (Rs Cr)

Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 390.30 cr.
in the last five quarters
MOJO Watch
Near term PBT trend is positive

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly
Highest at Rs 310.92 cr.
in the last five quarters
MOJO Watch
Near term PAT trend is positive

PAT (Rs Cr)

Earnings per Share (EPS) - Quarterly
Highest at Rs 7.14
in the last five quarters
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (Rs)

Debt-Equity Ratio - Half Yearly
Lowest at 2.49 times
in the last five half yearly periods
MOJO Watch
The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Here's what is not working for Aadhar Hsg. Fin.

Non Operating Income - Quarterly
Highest at Rs 7.95 cr
in the last five quarters
MOJO Watch
Increased income from non business activities may not be sustainable

Non Operating Income