Aadhar Housing Finance Ltd
Aadhar Housing Finance Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
The company aims for a sustained AUM growth of around 20% in the current and next financial years. Management is confident of achieving consistent growth in FY '26 Q4 and entering FY '27 with robust performance.
From Aadhar Housing Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- The company aims for a sustained AUM growth of around 20% in the current and next financial years.
- Disbursement growth is expected to be around 16% to 17% for the current financial year, with similar trends targeted for FY '27.
- Branch expansion plans include adding 40 to 50 new branches annually, with 30 focused on deeper impact (lower category) locations and 20 in urban/emerging 'A' locations.
- Growth varies by geography: States like Madhya Pradesh and Maharashtra are expected to deliver over 25% year-on-year growth, while certain states with lower legal support will see single-digit growth.
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Profitability & Margins
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Capital Expenditure Plans
- The company plans to continue expanding its branch network in existing geographies, with about 40 to 50 new branches added year-on-year.
- Of these, approximately 30 branches will focus on deeper impact (lower category) locations and about 20 in urban and emerging "A" locations.
- No expansion into new states is planned as the company already operates in 22 states across India.
- The branch expansion is strategic to sustain growth, with sales offices breaking even within 9 months and larger branches taking 12 to 18 months.
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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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Frequently Asked Questions
What were Aadhar Housing Finance Ltd Q3 FY26 results?
The company aims for a sustained AUM growth of around 20% in the current and next financial years. Management is confident of achieving consistent growth in FY '26 Q4 and entering FY '27 with robust performance.
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 company plans to continue expanding its branch network in existing geographies, with about 40 to 50 new branches added year-on-year.
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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.