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Aadhar Housing Finance Limited Q4 FY26 earnings call summary

NSE: AADHARHFC · BSE: 544176

Earnings call of 5 May 2026, summarised by AI from the filing.

Aadhar Housing Finance reports FY26 AUM of ₹30,571 cr, up 20% Y-o-Y, and reiterates 20% AUM and profit growth guidance for FY27.

Key takeaways

  1. AUM milestone AUM crossed ₹30,000 cr, reaching ₹30,571 cr as of 31st March 2026, a 20% Y-o-Y growth.
  2. FY27 guidance Management reiterates 20% AUM growth, 20% profit growth and 17% to 18% disbursement growth.
  3. Asset quality Gross NPA improved to 1.08% in Q4 FY26, a sequential improvement of 30 bps.
  4. Growth driver Demand remains end-user driven with first-time homebuyers; PMAY and affordable housing projects support growth.
  5. Competition risk Competitive intensity remains elevated in the urban segment, where banks continue to be active.

Original filing on BSE

Aadhar Housing Finance Limited Q1 FY27 results

As filed: Revenue ₹993 cr (+17% year on year), EBITDA ₹745 cr (+16% year on year), PAT ₹282 cr (+19% year on year), EBITDA margin 75.0% (−57 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹985 cr (+18% year on year), EBITDA ₹744 cr (+17% year on year), PAT ₹311 cr (+27% year on year), EBITDA margin 75.6% (−76 bps). Score 56 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA growth was below it; profit growth was well above it. EBITDA margin fell 76 bps year on year. Revenue rose ₹152 cr on a year ago, more than the ₹141 cr it added the year before. Share price after the results: −9.2% in 30 days (Nifty 500: −1.4%).
  • Q3 FY26: Revenue ₹943 cr (+18% year on year), EBITDA ₹729 cr (+19% year on year), PAT ₹281 cr (+18% year on year), EBITDA margin 77.4% (+78 bps). Score 63 of 100, In line with trend. EBITDA margin rose 78 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −4.6% in 28 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹897 cr (+17% year on year), EBITDA ₹690 cr (+18% year on year), PAT ₹266 cr (+17% year on year), EBITDA margin 76.9% (+61 bps). Score 61 of 100, In line with trend. EBITDA margin rose 61 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −2.7% in 28 days (Nifty 500: +1.3%).
  • Q1 FY26: Revenue ₹848 cr (+19% year on year), EBITDA ₹641 cr (+19% year on year), PAT ₹237 cr (+19% year on year), EBITDA margin 75.6% (−15 bps). Score 61 of 100, In line with trend. EBITDA margin fell 15 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 3% from last quarter. Share price after the results: +5.1% in 28 days (Nifty 500: −0.1%).
  • Q4 FY25: Revenue ₹833 cr (+20% year on year), EBITDA ₹636 cr (+21% year on year), PAT ₹245 cr (+21% year on year), EBITDA margin 76.4% (+19 bps). Score 65 of 100, Above trend. EBITDA margin rose 19 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −4.5% in 30 days (Nifty 500: +4.5%).
  • Q3 FY25: Revenue ₹785 cr, EBITDA ₹611 cr, PAT ₹239 cr, EBITDA margin 77.8%. Not scored. No result for the same quarter last year.
  • Q2 FY25: Revenue ₹751 cr, EBITDA ₹584 cr, PAT ₹228 cr, EBITDA margin 77.8%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

Aadhar Housing Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.