Aadhar Housing Finance Ltd
Aadhar Housing Finance Q1 FY26 earnings call: Revenue & Margins
Q1 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Aadhar Housing Finance targets AUM growth of around 20%-22% for FY26. Aadhar Housing Finance aims for AUM growth of around 21% in FY26, driven more by emerging markets than urban locations. - The company targets an ROA of 4.2% to 4.3% by the end of FY26. - Aspirational long-term ROE is between 17% and 18%, consistent with historical performance. - Credit cost guidance is approximately 25-27 basis points for the full year, lower than the current seasonally elevated 40 bps in Q1. - The cost-to-income ratio has improved to 36.1% in Q1 FY26 from 36.7% a year ago, signaling operational efficiency gains. - PAT grew 19% YoY to Rs.
From Aadhar Housing Finance Ltd's Q1 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Aadhar Housing Finance targets AUM growth of around 20%-22% for FY26.
- Disbursement growth is expected in the range of 18%-20%.
- Strategic focus is shifting towards "emerging" locations, with emerging branches expected to drive slightly higher growth compared to urban locations.
- Urban locations are considered steady state with no major branch additions planned, whereas emerging locations offer higher incremental yields (14.5%-16% vs urban 12%-12.5%).
- The company plans to add 50 to 60 branches annually, including expansions into new states (e.g., Assam).
- Emphasis on affordable housing segment with no exposure to prime housing.
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Profitability & Margins
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Capital Expenditure Plans
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Aadhar Housing Finance Ltd's management said in earlier quarters
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Frequently Asked Questions
What were Aadhar Housing Finance Ltd Q1 FY26 results?
Aadhar Housing Finance targets AUM growth of around 20%-22% for FY26. Aadhar Housing Finance aims for AUM growth of around 21% in FY26, driven more by emerging markets than urban locations. - The company targets an ROA of 4.2% to 4.3% by the end of FY26. - Aspirational long-term ROE is between 17% and 18%, consistent with historical performance. - Credit cost guidance is approximately 25-27 basis points for the full year, lower than the current seasonally elevated 40 bps in Q1. - The cost-to-income ratio has improved to 36.1% in Q1 FY26 from 36.7% a year ago, signaling operational efficiency gains. - PAT grew 19% YoY to Rs.
What is Aadhar Housing Finance Ltd share price analysis?
Aadhar Housing Finance Ltd currently shows a neutral. The stock trades at a P/E of 19.2 with a market cap of ₹22,094 Cr. Investors should review the full earnings analysis for detailed insights.
Is Aadhar Housing Finance Ltd planning capital expenditure?
The provided document (pages 1-16) does not explicitly mention any current or future capex, capital investment, or strategic investment plans by Aadhar Housing Finance.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.