Aadhar Housing Finance Intrinsic Value
Aadhar Housing Finance (AADHARHFC) median intrinsic value is ₹295.68 from 8 valuation models (range ₹118–₹404), vs current price ₹506.30 — -41.6% downside (Trading Above Calculated Value), margin of safety -71.2%. For current market price and key ratios, visit Aadhar Housing Finance stock price NSE.
AADHARHFC Valuation Methods Summary — DCF, Graham Number & P/E
Aadhar Housing Finance intrinsic value across 8 models vs current price ₹506.30 — upside/downside and value range per method. Browse AADHARHFC balance sheet details for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹343.68 | ₹274.94 - ₹412.42 | -32.1% | EPS: ₹28.64, Sector P/E: 12x |
| Book Value Method | asset | ₹118.27 | ₹106.44 - ₹130.10 | -76.6% | Book Value/Share: ₹147.84, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹151.89 | ₹136.70 - ₹167.08 | -70.0% | Revenue/Share: ₹92.16, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹348.96 | ₹314.06 - ₹383.86 | -31.1% | EBITDA: ₹3008.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹183.30 | ₹164.97 - ₹201.63 | -63.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹235.99 | ₹212.39 - ₹259.59 | -53.4% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹404.08 | ₹363.67 - ₹444.49 | -20.2% | ROE: 19.5%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹295.68 | ₹266.11 - ₹325.25 | -41.6% | EPS: ₹28.64, BVPS: ₹147.84 |
AADHARHFC Intrinsic Value vs Market Price — All Valuation Models
Aadhar Housing Finance fair value range ₹118–₹404 vs current market price ₹506.30 across 8 valuation models. Also explore Aadhar Housing Finance share price performance to track price trends across different timeframes.
AADHARHFC Intrinsic Value Analysis — Undervalued or Overvalued?
Aadhar Housing Finance median intrinsic value ₹295.68, current price ₹506.30 — Trading Above Calculated Value by 41.6%, margin of safety -71.2%.
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 ₹295.68 (median value). With the current market price of ₹506.30, this represents a -41.6% variance from our estimated fair value.
The valuation range spans from ₹118.27 to ₹404.08, indicating ₹118.27 - ₹404.08.
Is AADHARHFC undervalued or overvalued?
Based on our multi-method analysis, Aadhar Housing Finance (AADHARHFC) appears to be trading above calculated value by approximately 41.6%.
AADHARHFC Financial Health — Key Ratios vs Industry Benchmarks
Aadhar Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 19.5% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 76.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
AADHARHFC Cash Flow Quality — Operating & Free Cash Flow
Aadhar Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |