Aadhar Housing Finance L

AADHARHFC NSE Financial Services Housing Finance Company
Nifty 500 Smallcap 250
₹456.80
-1.28%
Delayed · cached 15 min

Fair value analysis

AADHARHFC
Aadhar Housing Finance L
Financial ServicesHousing Finance Company
₹462.70
Close used for this calculation
₹484.75Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
59/100
Profitability25/25
Returns13/25
Balance Sheet6/25
Efficiency15/25
Growth14/25
Good
Quality radar
59Prof.25/25Ret.13/25Eff.15/25B.Sht6/25Growth14/25

Consensus fair value

₹484.75
Near FV
▲ +4.8% against the close used
Model range ₹321.70 – ₹1,132.65
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹321.70Fair value₹484.75Bull₹1,132.65
FairClose
52-week traded range
52W low ₹439.1052W high ₹556.50

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

Aadhar Housing Finance L closed at ₹462.70, 4.5% below the consensus fair value of ₹484.75 drawn from 8 valuation models.

Financial DNA score 59/100 — Good. P/E of 17.4x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹499.20
+7.9%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹321.70
-30.5%
√(22.5 × EPS × BVPS)
EPS=25.15, BVPS=182.89 · outside Graham range (P/E 17.4, P/B 2.5) — asset-light, treat as a rough floor
Graham Formula
₹1,132.65
+144.8%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=20%, FD=7%
P/E Fair Value
₹334.50
-27.7%
EPS × 13.3x (sector P/E)
EPS=25.15, Sector P/E=13.3x
Peter Lynch (PEG)
₹555.82
+20.1%
EPS × Growth% (PEG = 1 is fair)
EPS=25.15, g=22.1%
Book Value (P/B)
₹452.64
-2.2%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=182.89, ROE=15.9%, g=6%, r=10%
Reverse DCF
₹462.70
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 6% | Historical: 22.1%
Margin of Safety
₹429.01
-7.3%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=572.01, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.