Aadhar Housing Finance Intrinsic Value
AADHARHFC Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹295.68 | ₹236.54 - ₹354.82 | -40.4% | EPS: ₹24.64, Sector P/E: 12x |
| Book Value Method | asset | ₹118.27 | ₹106.44 - ₹130.10 | -76.2% | Book Value/Share: ₹147.84, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹148.86 | ₹133.97 - ₹163.75 | -70.0% | Revenue/Share: ₹83.43, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹274.66 | ₹247.19 - ₹302.13 | -44.6% | EBITDA: ₹2768.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹157.70 | ₹141.93 - ₹173.47 | -68.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹203.03 | ₹182.73 - ₹223.33 | -59.1% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹346.91 | ₹312.22 - ₹381.60 | -30.1% | ROE: 16.8%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹286.29 | ₹257.66 - ₹314.92 | -42.3% | EPS: ₹24.64, BVPS: ₹147.84 |
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Valuation Comparison Chart
AADHARHFC Intrinsic Value Analysis
What is the intrinsic value of AADHARHFC?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Aadhar Housing Finance (AADHARHFC) is ₹274.66 (median value). With the current market price of ₹496.20, this represents a -44.6% variance from our estimated fair value.
The valuation range spans from ₹118.27 to ₹346.91, indicating ₹118.27 - ₹346.91.
Is AADHARHFC undervalued or overvalued?
Based on our multi-method analysis, Aadhar Housing Finance (AADHARHFC) appears to be trading above calculated value by approximately 44.6%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.13 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 3.64 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 16.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 77.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Aadhar Housing Finance
Additional stock information and data for AADHARHFC
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-3,027 Cr | ₹-3,027 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-2,550 Cr | ₹-2,550 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-1,156 Cr | ₹-1,395 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-907 Cr | ₹-907 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-1,202 Cr | ₹-1,443 Cr | Negative Cash Flow | 3/10 |