Aadhar Housing Finance Ltd's Q3FY25 Quarter Results
- 07 Feb 2025
Result Summary
- Aadhar Housing Finance Ltd reported a 4.4% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3FY25). On a year-on-year (YoY) basis, it witnessed a growth of 18.5%.
- Its expenses for the quarter were up by 2.8% QoQ and 17.7% YoY.
- The net profit increased 5.2% QoQ and increased 17.2% YoY.
- The earnings per share (EPS) of Aadhar Housing Finance Ltd stood at 5.4 during Q3FY25.
Financial Statments for Q3FY25
| (₹ crores) | Q3FY25 | Q2FY25 | Q3FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 797.64 | 764.28 | 673.08 | 4.4% | 18.5% |
Total Expenses | 471.28 | 458.53 | 400.45 | 2.8% | 17.7% |
Profit Before Tax | 307.68 | 292.43 | 260.56 | 5.2% | 18.1% |
Tax | 68.34 | 64.92 | 56.29 | 5.3% | 21.4% |
Profit After Tax | 239.34 | 227.51 | 204.27 | 5.2% | 17.2% |
Earnings Per Share | 5.40 | 5.20 | 5.00 | 3.8% | 8.0% |
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 notable player in the housing finance sector in India, primarily engaged in providing affordable housing finance solutions. The company is dedicated to making home ownership accessible to low-income populations by offering various loan products tailored to meet diverse customer needs. Aadhar Housing Finance Ltd operates extensively in urban and rural areas, emphasizing the financial inclusion of underserved communities. As of the most recent fiscal quarter, there have been no significant public announcements or changes in the company’s core business activities or strategic direction mentioned in the data provided.
Revenue
In the third quarter of the fiscal year 2025 (Q3FY25), Aadhar Housing Finance Ltd reported a total income of ₹797.64 crores, reflecting a quarter-over-quarter (QoQ) increase of 4.4% from ₹764.28 crores in Q2FY25. The year-over-year (YoY) comparison also shows a robust growth of 18.5% from ₹673.08 crores in Q3FY24. This consistent growth trajectory in total income indicates the company's continued success in generating revenue, driven by its effective lending operations and possibly an expanding customer base. The financial data provided does not include a detailed breakdown of the income sources, such as interest and fee-based income, which could offer further insights into revenue composition.
Profitability
The profitability metrics for Aadhar Housing Finance Ltd in Q3FY25 demonstrate strong performance. The company achieved a profit before tax of ₹307.68 crores, marking a QoQ increase of 5.2% from ₹292.43 crores in the preceding quarter and an 18.1% YoY rise from ₹260.56 crores in Q3FY24. After accounting for taxes amounting to ₹68.34 crores in Q3FY25, the profit after tax stood at ₹239.34 crores, which represents a QoQ growth of 5.2% from ₹227.51 crores and a YoY increase of 17.2% from ₹204.27 crores. The earnings per share (EPS) also improved, reaching ₹5.40 in Q3FY25, up 3.8% QoQ from ₹5.20 and 8.0% YoY from ₹5.00. These figures highlight the company's ability to maintain profitability amidst its operational expansion.
Operating Metrics
The operating expenses for Aadhar Housing Finance Ltd in Q3FY25 were reported at ₹471.28 crores, illustrating a 2.8% QoQ increase from ₹458.53 crores in Q2FY25 and a 17.7% YoY rise from ₹400.45 crores in Q3FY24. This escalation in expenses is consistent with the company's revenue growth, suggesting a proportional increase in operational activities. The tax expenses also grew by 5.3% QoQ from ₹64.92 crores and 21.4% YoY from ₹56.29 crores, aligning with the increase in profit before tax. The financial data provided does not include specific operational metrics such as loan disbursements, net interest margins, or asset quality ratios, which could further elucidate the company's operational efficiency and risk management strategies.
