Aadhar Housing Finance's Q2 FY 2025-26 Quarterly Results

Result Summary

• Aadhar Housing Finance Ltd reported a 5.6% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 17.7%.
• Its expenses for the quarter were up by 4.6% QoQ and 18.5% YoY.
• The net profit increased 12.3% QoQ and increased 17.1% YoY.
• The earnings per share (EPS) of Aadhar Housing Finance Ltd stood at 6.03 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Aadhar Housing Finance Ltd is a prominent player in the financial services industry, primarily focusing on providing housing finance solutions. The company caters to a diverse customer base, offering tailored home loan products and services designed to meet the varied needs of its clients. Operating within the housing finance sector, Aadhar Housing Finance Ltd has positioned itself as a key facilitator of affordable housing loans, contributing to the broader housing finance ecosystem in India. Recent developments in the sector, such as government initiatives promoting affordable housing, may influence the company's operations, though specific recent developments related to Aadhar Housing Finance Ltd are not available in the provided data.

Revenue

In the fiscal quarter Q2FY26, Aadhar Housing Finance Ltd reported a total income of ₹899.26 crores, marking an increase from ₹851.34 crores in Q1FY26 and ₹764.28 crores in Q2FY25. This reflects a quarter-over-quarter growth of 5.6% and a year-over-year rise of 17.7%. The upward trajectory in total income over the quarters suggests a robust revenue-generating capability, demonstrating the company's potential to enhance its financial performance through increased lending activities or other revenue streams.

Profitability

The company's profitability metrics for Q2FY26 show a profit before tax of ₹342.74 crores, growing from ₹305.15 crores in Q1FY26 and ₹292.43 crores in Q2FY25. The profit after tax for the same period is ₹266.47 crores, up from ₹237.28 crores in the previous quarter and ₹227.51 crores the previous year. These figures indicate a quarter-over-quarter increase of 12.3% and a year-over-year growth of 17.1% in profit after tax. The earnings per share for Q2FY26 is reported at ₹6.03, compared to ₹5.37 in Q1FY26 and ₹5.16 in Q2FY25, reflecting similar growth percentages. The tax expense in Q2FY26 is recorded at ₹76.27 crores, showing a 12.4% increase from Q1FY26 and a 17.5% rise from Q2FY25.

Operating Metrics

Total expenses for Q2FY26 amounted to ₹543.36 crores, an increase from ₹519.47 crores in Q1FY26 and ₹458.53 crores in Q2FY25, resulting in a quarter-over-quarter increase of 4.6% and a year-over-year rise of 18.5%. This trend in expenses is consistent with revenue growth, maintaining a balance between income and cost management. The profit before tax margin relative to total income for Q2FY26 is approximately 38.1%, with a profit after tax margin of about 29.6%. These margins suggest a stable management of operating costs relative to income, contributing to the overall financial health of Aadhar Housing Finance Ltd.