Aadhar Housing Finance Ltd (AADHARHFC) - Net Assets
Based on the latest financial reports, Aadhar Housing Finance Ltd (AADHARHFC) has net assets worth Rs68.94 Billion INR (≈ $745.61 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs250.83 Billion ≈ $2.71 Billion USD) and total liabilities (Rs181.89 Billion ≈ $1.97 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Aadhar Housing Finance Ltd to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs68.94 Billion |
| % of Total Assets | 27.49% |
| Annual Growth Rate | 24.03% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 10.89 |
Aadhar Housing Finance Ltd - Net Assets Trend (2021–2025)
This chart illustrates how Aadhar Housing Finance Ltd's net assets have evolved over time, based on quarterly financial data. Also explore Aadhar Housing Finance Ltd balance sheet assets for the complete picture of this company's asset base.
Annual Net Assets for Aadhar Housing Finance Ltd (2021–2025)
The table below shows the annual net assets of Aadhar Housing Finance Ltd from 2021 to 2025. For live valuation and market cap data, see how much is Aadhar Housing Finance Ltd worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs63.72 Billion ≈ $689.14 Million |
+43.21% |
| 2024-03-31 | Rs44.50 Billion ≈ $481.22 Million |
+20.34% |
| 2023-03-31 | Rs36.98 Billion ≈ $399.89 Million |
+17.51% |
| 2022-03-31 | Rs31.47 Billion ≈ $340.30 Million |
+16.85% |
| 2021-03-31 | Rs26.93 Billion ≈ $291.22 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Aadhar Housing Finance Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 452.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs23.81 Billion | 37.37% |
| Common Stock | Rs4.31 Billion | 6.77% |
| Other Components | Rs35.59 Billion | 55.86% |
| Total Equity | Rs63.72 Billion | 100.00% |
Aadhar Housing Finance Ltd Competitors by Market Cap
The table below lists competitors of Aadhar Housing Finance Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Suzhou Gold Mantis Construction Decoration Co Ltd
SHE:002081
|
$2.29 Billion |
|
Epoxy Base Electronic Material Corp Ltd
SHG:603002
|
$2.29 Billion |
|
Foot Locker Inc
NYSE:FL
|
$2.29 Billion |
|
ARIS MNG.CORP.
F:ZP1
|
$2.30 Billion |
|
Braze Inc
NASDAQ:BRZE
|
$2.29 Billion |
|
Archi Indonesia Tbk PT
JK:ARCI
|
$2.29 Billion |
|
VIVENDI UNSPON.ARD EO 55
F:VVUD
|
$2.29 Billion |
|
Beijing Cisri Gaona Materials Tech
SHE:300034
|
$2.29 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Aadhar Housing Finance Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 44,497,500,000 to 63,722,900,000, a change of 19,225,400,000 (43.2%).
- Net income of 9,118,300,000 contributed positively to equity growth.
- New share issuances of 10,360,700,000 increased equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs9.12 Billion | +14.31% |
| Share Issuances | Rs10.36 Billion | +16.26% |
| Other Changes | Rs-253.60 Million | -0.4% |
| Total Change | Rs- | 43.21% |
Book Value vs Market Value Analysis
This analysis compares Aadhar Housing Finance Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.35x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 7.74x to 3.35x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-03-31 | Rs63.13 | Rs488.60 | x |
| 2022-03-31 | Rs73.78 | Rs488.60 | x |
| 2023-03-31 | Rs86.69 | Rs488.60 | x |
| 2024-03-31 | Rs104.33 | Rs488.60 | x |
| 2025-03-31 | Rs145.70 | Rs488.60 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Aadhar Housing Finance Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 14.31%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 32.16%
- • Asset Turnover: 0.12x
- • Equity Multiplier: 3.64x
- Recent ROE (14.31%) is below the historical average (15.01%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | 14.14% | 27.60% | 0.11x | 4.57x | Rs1.30 Billion |
| 2023 | 14.73% | 28.96% | 0.11x | 4.49x | Rs1.75 Billion |
| 2024 | 16.85% | 31.84% | 0.12x | 4.29x | Rs3.05 Billion |
| 2025 | 14.31% | 32.16% | 0.12x | 3.64x | Rs2.75 Billion |
Industry Comparison
This section compares Aadhar Housing Finance Ltd's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $33,616,404,111
- Average return on equity (ROE) among peers: 10.06%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Aadhar Housing Finance Ltd (AADHARHFC) | Rs68.94 Billion | 14.14% | 2.64x | $2.29 Billion |
| Aavas Financiers Limited (AAVAS) | $10.98 Billion | 8.47% | 2.48x | $1.18 Billion |
| Aptus Value Housing Finance India Limited (APTUS) | $17.09 Billion | 12.35% | 1.19x | $1.41 Billion |
| Bajaj Housing Finance (BAJAJHFL) | $60.32 Billion | 7.51% | 5.28x | $7.85 Billion |
| GIC Housing Finance Limited (GICHSGFIN) | $9.45 Billion | 15.64% | 8.76x | $88.24 Million |
| Home First Finance Company India Limited (HOMEFIRST) | $2.32 Billion | 2.59% | 1.56x | $1.31 Billion |
| INDIA SHELTER FINANCE CORPORATION LIMITED (INDIASHLTR) | $8.00 Billion | 3.80% | 0.67x | $951.30 Million |
| PNB Housing Finance Limited (PNBHOUSING) | $149.74 Billion | 10.07% | 3.84x | $2.95 Billion |
| Repco Home Finance Limited (REPCOHOME) | $34.27 Billion | 13.47% | 3.29x | $275.64 Million |
| Reliance Home Finance Limited (RHFL) | $10.38 Billion | 16.63% | 9.74x | $10.54 Million |
About Aadhar Housing Finance Ltd
Aadhar Housing Finance Limited, a housing finance company, engages in the housing finance business in India. The company offers loans for residential property; plot purchase and construction; home improvement and extension loans; commercial property construction and acquisition; and loans against residential properties. It also provides loans against property; and other property related service. … Read more