Aadhar Housing Finance Ltd's Q4FY25 Quarter Results
- 07 May 2025
Result Summary
- Aadhar Housing Finance Ltd reported a 13.3% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 24.5%.
- Its expenses for the quarter were down by 7.2% QoQ and up 22.5% YoY.
- The net profit decreased 15.7% QoQ and increased 43.4% YoY.
- The earnings per share (EPS) of Aadhar Housing Finance Ltd stood at 4.9 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 691.81 | 797.64 | 555.51 | -13.3% | 24.5% |
Total Expenses | 437.34 | 471.28 | 357.02 | -7.2% | 22.5% |
Profit Before Tax | 258.61 | 307.68 | 179.56 | -15.9% | 44.0% |
Tax | 56.85 | 68.34 | 38.86 | -16.8% | 46.3% |
Profit After Tax | 201.76 | 239.34 | 140.70 | -15.7% | 43.4% |
Earnings Per Share | 4.90 | 5.40 | 3.50 | -9.3% | 40.0% |
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 prominent player in the housing finance sector, primarily focusing on providing loans for housing to individuals and families. As a housing finance company, it caters to a varied clientele, offering home purchase loans, loans for home construction, and home improvement loans, among other financial products. The company is committed to facilitating affordable housing, particularly for those in the lower and middle-income segments. However, specific recent major developments related to the company are not available at this point. Aadhar Housing Finance is part of the broader financial services industry, which has been experiencing dynamic changes influenced by regulatory shifts and evolving market demands.
Revenue
Aadhar Housing Finance Ltd reported a total income of ₹691.81 crores for Q4FY25, a decrease from ₹797.64 crores in the previous quarter (Q3FY25), marking a quarter-over-quarter (QoQ) decline of 13.3%. However, when compared to the same quarter in the previous fiscal year (Q4FY24), where the total income was ₹555.51 crores, there was a notable year-over-year (YoY) increase of 24.5%. This highlights the company's growth trajectory over the last year despite the recent quarterly dip. The revenue performance could reflect various factors such as changes in loan disbursement volumes, interest income fluctuations, or shifts in the competitive landscape of the housing finance sector.
Profitability
The profitability metrics for Aadhar Housing Finance Ltd indicate a mixed performance. The Profit Before Tax (PBT) for Q4FY25 stood at ₹258.61 crores, down from ₹307.68 crores in Q3FY25, representing a QoQ decrease of 15.9%. Conversely, on a YoY basis, the PBT increased by 44.0% from ₹179.56 crores in Q4FY24. The Profit After Tax (PAT) followed a similar pattern, decreasing by 15.7% QoQ to ₹201.76 crores in Q4FY25 from ₹239.34 crores in Q3FY25, yet increasing by 43.4% YoY from ₹140.70 crores in Q4FY24. The company's Earnings Per Share (EPS) for Q4FY25 was ₹4.90, reflecting a decrease of 9.3% compared to the previous quarter but a 40.0% increase compared to the same quarter last year. This performance indicates a strong annual growth in profitability despite the recent quarterly declines.
Operating Metrics
Aadhar Housing Finance Ltd's operating metrics reveal insights into its cost management and efficiency. Total expenses for Q4FY25 were ₹437.34 crores, which decreased by 7.2% from ₹471.28 crores in Q3FY25. On a YoY basis, total expenses increased by 22.5% from ₹357.02 crores in Q4FY24. The tax expenses for Q4FY25 were ₹56.85 crores, reflecting a 16.8% decrease from the previous quarter's ₹68.34 crores, while showing a 46.3% increase from ₹38.86 crores in Q4FY24. These figures suggest a notable increase in annual operating costs, although there was a reduction in both total and tax expenses on a quarterly basis. This data can be instrumental in understanding the company's operational efficiency and cost structure changes over time.
