Aadhar Housing Finance Share Price Target 2027: Base and Bull Targets Built on FY26 Earnings
- October 9, 2026
- Posted by: Lakshit Sharma
- Category: Market
Aadhar Housing Finance share price Rs 450.95 (9 October 2026). Base target Rs 524, bull Rs 634, downside risk Rs 361. PE 17.33. 52W range Rs 427.30 to Rs 563.00.
Quick Answer
The Aadhar Housing Finance share price target for 2027 is Rs 524, about 16.2% above the current price of Rs 450.95. The bull case is Rs 634, and the downside risk level, which is not a target, is Rs 361. The base case assumes earnings per share grow 16.2% a year, the pace seen from FY24 to FY26, with the stock holding its PE of 17.33. These are model-based estimates built from reported financials, not guaranteed outcomes.
Investors weighing an Aadhar Housing Finance target price for 2027 should start with where the stock sits today. At Rs 450.95 on 9 October 2026, it is 19.9% below its 52-week high of Rs 563.00 and 5.5% above its 52-week low of Rs 427.30. That range spans 32% from low to high, so the entry point matters as much as the Aadhar Housing Finance price forecast itself.
This article builds the Aadhar Housing Finance share price target from reported numbers only: five years of annual results, the last five quarters, the latest shareholding pattern and current valuation ratios from company filings and exchange data. Each scenario shows its assumptions, so you can see exactly how the Rs 524 base case and the Rs 634 bull case were reached, along with a downside risk level of Rs 361.
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Aadhar Housing Finance Stock Analysis: Company Overview and Key Stats
Aadhar Housing Finance (NSE: AADHARHFC) has a market capitalisation of Rs 19,778 crore. In FY26 it reported revenue of Rs 3,687 crore and net profit of Rs 1,096 crore. The table collects the figures the Aadhar Housing Finance share price target is built on.
| Metric | Value |
|---|---|
| Company | Aadhar Housing Finance |
| NSE Ticker | AADHARHFC |
| CMP (9 October 2026) | Rs 450.95 |
| 52-Week High | Rs 563.00 |
| 52-Week Low | Rs 427.30 |
| Market Cap | Rs 19,778 crore |
| PE Ratio (TTM) | 17.33 |
| Industry PE | 17.72 |
| Price to Book | 2.64 |
| Return on Equity | 14.53% |
| Debt to Equity | 2.49 |
| EPS (TTM) | Rs 26.03 |
| Dividend Yield | 0.00% |
| 12-Month Base Target | Rs 524 |
| Bull Case | Rs 634 |
| Downside Risk Level (not a target) | Rs 361 |
Why Is Aadhar Housing Finance Share Price Target Set at Rs 524 for 2027?
The base-case Aadhar Housing Finance stock target of Rs 524 applies a PE multiple of 17.33 to a forward EPS estimate of Rs 30.24. That EPS assumes 16.2% yearly growth, the pace from FY24 to FY26, and puts the target 16.2% above the current price. The bull case adds faster earnings growth and a higher multiple, while the downside risk level assumes flat earnings and a lower multiple.
Earnings Growth Behind the Aadhar Housing Finance Target Price: Five Years of Results
Aadhar Housing Finance grew revenue from Rs 1,729 crore in FY22 to Rs 3,687 crore in FY26, a compound annual growth rate of 20.8%. Net profit grew faster, from Rs 444.85 crore to Rs 1,096 crore (25.3% a year), which shows margin gains did part of the work and not just higher sales.
| Financial Year | Revenue (Rs Cr) | Net Profit (Rs Cr) | EPS (Rs) | Dividend per Share (Rs) |
|---|---|---|---|---|
| FY22 | 1,728.56 | 444.85 | 10.93 | 0.00 |
| FY23 | 2,043.52 | 544.76 | 13.39 | 0.00 |
| FY24 | 2,586.99 | 749.64 | 18.35 | 0.00 |
| FY25 | 3,108.91 | 911.83 | 20.85 | 0.00 |
| FY26 | 3,686.88 | 1,095.88 | 24.77 | 0.00 |
FY26 revenue growth was 18.6%, slower than the four-year average of 20.8%, and net profit moved up 20.2%. EPS rose from Rs 18.35 in FY24 to Rs 24.77 in FY26. The FY27 outlook depends on whether that EPS estimate keeps compounding.
Margins and the Latest Quarter
Aadhar Housing Finance converted 29.7% of FY26 revenue into net profit, against 29.3% in FY25, within a five-year range of 25.7% to 29.7%. EBITDA margin was 76.0% in FY26 versus 76.3% in FY25.
In the June 2026 quarter, revenue was Rs 997.19 crore, up 17.1% from the same quarter a year earlier, while net profit of Rs 282.36 crore was up 19.0%. EBITDA came in at Rs 749.13 crore, up 16.3% year on year. The next quarterly result is the first test of whether the earnings assumption holds.
Balance Sheet and Cash Flow
Debt to equity stands at 2.49, and shareholders’ equity grew from Rs 3,147 crore in FY22 to Rs 7,541 crore in FY26. Operating cash flow in FY26 was negative at Rs 2,808 crore against capital expenditure of Rs 18.75 crore, leaving negative free cash flow of Rs 2,827 crore. In FY25 free cash flow was negative at Rs 3,041 crore.
Valuation Check for the Aadhar Housing Finance Stock Target: PE, Price to Book and ROE
At a PE of 17.33 against an industry PE of 17.72, Aadhar Housing Finance trades in line with its industry. Price to book is 2.64 on a book value of Rs 171.21 per share, and return on equity is 14.53%. A PE of 17.33 equals an earnings yield of 5.8%, and the FY26 dividend of Rs 0.00 per share gives a yield of 0.00%.
Shareholding Pattern and Institutional Holding
Promoters held 64.66% of Aadhar Housing Finance in June 2026, and promoter holding fell from 75.50% in June 2025 to 64.66% in June 2026. Foreign institutional investors (FII) held 5.79% and domestic institutions (DII) held 9.93%, which puts total institutional holding at 15.72%. FII holding rose from 5.58% in June 2025 to 5.79% in June 2026. Public shareholders own the remaining 19.61%. A meaningful institutional holding adds a layer of research coverage and trading depth.
Aadhar Housing Finance Share Price Targets for the Short Term and 12 Months
Short Term Aadhar Housing Finance Stock Target Levels: Technical Setup
At Rs 450.95 on 9 October 2026, Aadhar Housing Finance trades below its 50-day simple moving average of Rs 472.22 and below its 200-day exponential moving average of Rs 480.10. The 14-day RSI reads 41.8, which is neutral territory, and the MACD line sits above its signal line. The nearest resistance level is Rs 472.22 (50-day simple moving average) and the nearest support is Rs 427.30 (52-week low). A sustained move above Rs 472.22 would improve the short-term setup, while a close below Rs 427.30 would shift attention to the next support.
12 Month Aadhar Housing Finance Target Price for 2027
The 12-month target for Aadhar Housing Finance is Rs 524: forward EPS of Rs 30.24 at a PE of 17.33. That is 16.2% above Rs 450.95. It would still leave the stock 6.9% below its 52-week high of Rs 563.00.
How EPS Growth and PE Multiple Change the Aadhar Housing Finance Target Price
| EPS Growth | PE 13.86 | PE 17.33 | PE 19.93 |
|---|---|---|---|
| 0.0% (EPS Rs 26.03) | Rs 361 | Rs 451 | Rs 519 |
| 16.2% (EPS Rs 30.24) | Rs 419 | Rs 524 | Rs 603 |
| 22.2% (EPS Rs 31.80) | Rs 441 | Rs 551 | Rs 634 |
Each cell multiplies the forward EPS estimate by the PE shown. Reading across a row shows what a de-rating or re-rating does to the Aadhar Housing Finance price forecast, and reading down a column shows what earnings growth is worth at a fixed multiple.
Bull Case and Downside Risk for Aadhar Housing Finance Stock Target in 2027
Bull Case Rs 634
The bull case Aadhar Housing Finance price target needs EPS growth of 22.2%, which lifts forward EPS to Rs 31.80, and a PE multiple that rises 15% to 19.93. That gives Rs 634, 40.6% above the current price and above the 52-week high of Rs 563.00, so the stock would have to set a fresh 52-week high.
Downside Risk Level Rs 361
The downside risk level is not a target. It assumes EPS stays flat at Rs 26.03 and the PE falls 20% to 13.86. That gives Rs 361, 19.9% below the current price and below the 52-week low of Rs 427.30.
| Scenario | EPS Growth | PE Multiple | Price (Rs) | Change vs CMP |
|---|---|---|---|---|
| Bull Case | 22.2% | 19.93 | Rs 634 | +40.6% |
| Base Case | 16.2% | 17.33 | Rs 524 | +16.2% |
| Downside Risk | 0.0% | 13.86 | Rs 361 | -19.9% |
Key Risks to the Aadhar Housing Finance Target Price for 2027
Growth Slowdown Risk for the Aadhar Housing Finance Price Target
Revenue in the June 2026 quarter was up 17.1% year on year, and FY26 revenue growth was 18.6%. If growth slows from here, the EPS estimate behind the Aadhar Housing Finance stock target will need revising.
Liquidity and Size Risk
Aadhar Housing Finance has a market capitalisation of Rs 19,778 crore. Institutional holding is 15.72%, and promoters hold 64.66%. Stocks of this size are usually liquid, though exits can take longer than entries when the market is falling.
Valuation and Margin Risk
Net margin was 29.7% in FY26, and a squeeze from higher costs or weaker pricing would hit earnings first. At a PE of 17.33 versus an industry PE of 17.72, a de-rating toward the downside-risk PE of 13.86 would cut the price even if earnings hold.
Market and Technical Risk
The stock trades 19.9% below its 52-week high, with an RSI of 41.8 and a MACD reading above its signal line. Broader market weakness can override company fundamentals in the short term.
How to Invest in Aadhar Housing Finance
Start with the live price and volume. Any Aadhar Housing Finance share price target is only as current as the data behind it, and the data here is as of 9 October 2026, so refresh the Rs 450.95 price before acting on any level.
Next, review the fundamentals yourself. The Univest Screener lets you check Aadhar Housing Finance’s PE, ROE, debt and shareholding in one place.
Check Aadhar Housing Finance fundamentals on the Univest Screener
Then compare the three Aadhar Housing Finance target price scenarios with your own view. If you expect EPS growth below 16.2%, the base case is too optimistic for you; if you expect more, the bull case deserves weight.
Decide your position size and exit levels before you buy. The support and resistance levels above can serve as reference points, but they are not recommendations.
Finally, place the order through a SEBI-registered broker or the Univest app, and review the position after each quarterly result. Consult a SEBI-registered advisor if you are unsure.
Download the Univest iOS App or Univest Android App to track Aadhar Housing Finance live price and get daily stock recommendations.
Conclusion
The Aadhar Housing Finance share price target for 2027 is Rs 524 in the base case, with Rs 634 as the bull case. The support for that view is arithmetic you can check: EPS grew 16.2% a year over FY24 to FY26, and the stock trades at a PE of 17.33. The risks are equally concrete, including a stock that sits 19.9% below its 52-week high and a downside scenario that cuts the price 20% if earnings stall. Use these numbers as a framework, check them against the latest filings, and size any position to your own risk appetite.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Aadhar Housing Finance Share Price Target 2027
What is the Aadhar Housing Finance share price target for 2027?
Ans. The base-case Aadhar Housing Finance share price target for 2027 is Rs 524, with Rs 634 as the bull case. The downside risk level, which is not a target, is Rs 361. These are model estimates from reported earnings and the current PE, not guaranteed outcomes.
What is the Aadhar Housing Finance share price today?
Ans. As of 9 October 2026, 12:52 PM IST, Aadhar Housing Finance trades at Rs 450.95, up 0.09% on the day. The 52-week range is Rs 427.30 to Rs 563.00.
Is Aadhar Housing Finance a buy or sell at the current price?
Ans. The data is mixed rather than one-sided: EPS has grown 16.2% a year over FY24 to FY26, but the stock is 19.9% below its 52-week high. Whether Aadhar Housing Finance fits your portfolio depends on your time horizon and risk appetite, so consult a SEBI-registered advisor before investing. This article is not investment advice.
What are the bull case target and downside risk level for Aadhar Housing Finance shares?
Ans. The bull case target is Rs 634, which assumes 22.2% EPS growth and a PE of 19.93. The downside risk level is Rs 361, which assumes flat EPS and a PE of 13.86. It marks a risk, not a target.
What are the main risks to the Aadhar Housing Finance price target?
Ans. The main risks are slower revenue growth, a small market capitalisation of Rs 19,778 crore, a PE de-rating and short-term weakness in the broader market. Each is covered in the risk section above.
What is the PE ratio of Aadhar Housing Finance and how does it compare with the industry?
Ans. The PE ratio of Aadhar Housing Finance is 17.33 against an industry PE of 17.72. Price to book is 2.64 and return on equity is 14.53%. The base case in the Aadhar Housing Finance price target holds this PE constant.
Who owns Aadhar Housing Finance, and what is the promoter holding?
Ans. Promoters held 64.66% of Aadhar Housing Finance in June 2026. FII held 5.79%, DII held 9.93% and the public held 19.61%.
What were Aadhar Housing Finance’s latest quarterly results?
Ans. In the June 2026 quarter, Aadhar Housing Finance reported revenue of Rs 997.19 crore (up 17.1% year on year) and net profit of Rs 282.36 crore (up 19.0%).