Aadhar Housing [AADHARHFC] vs PNB Housing Finance [PNBHOUSING] Detailed Stock Comparison

Aadhar Housing Finance Ltd.

NSE
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PNB Housing Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Aadhar Housing Finance Ltd. wins in 6 metrics, PNB Housing Finance Ltd. wins in 10 metrics, with 0 ties. PNB Housing Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Aadhar Housing Finance Ltd. PNB Housing Finance Ltd. Better
P/E Ratio (TTM) 20.95 11.47 PNB Housing Finance Ltd.
Price-to-Book Ratio 3.06 1.46 PNB Housing Finance Ltd.
Debt-to-Equity Ratio 255.35 261.91 Aadhar Housing Finance Ltd.
PEG Ratio 1.25 0.32 PNB Housing Finance Ltd.
EV/EBITDA 16.61 N/A N/A
Profit Margin (TTM) 48.02% 59.16% PNB Housing Finance Ltd.
Operating Margin (TTM) 64.92% 73.59% PNB Housing Finance Ltd.
EBITDA Margin (TTM) 64.92% 73.59% PNB Housing Finance Ltd.
Return on Equity 14.31% 11.92% Aadhar Housing Finance Ltd.
Return on Assets (TTM) 3.93% 2.45% Aadhar Housing Finance Ltd.
Free Cash Flow (TTM) $-30.41B $-90.17B Aadhar Housing Finance Ltd.
Dividend Yield N/A 0.51% N/A
1-Year Return 8.19% -6.22% Aadhar Housing Finance Ltd.
Price-to-Sales Ratio (TTM) 9.92 7.11 PNB Housing Finance Ltd.
Enterprise Value $369.61B $676.43B PNB Housing Finance Ltd.
EV/Revenue Ratio 17.24 18.31 Aadhar Housing Finance Ltd.
Gross Profit Margin (TTM) 45.55% N/A N/A
Revenue per Share (TTM) $50 $142 PNB Housing Finance Ltd.
Earnings per Share (Diluted) $23.30 $87.84 PNB Housing Finance Ltd.
Beta (Stock Volatility) N/A 0.05 N/A

Aadhar Housing Finance Ltd. vs PNB Housing Finance Ltd. Stock Performance Analysis

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AADHARHFC
PNBHOUSING

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Aadhar Housing Finance Ltd.3.23%6.19%5.34%2.13%-1.69%1.57%
PNB Housing Finance Ltd.2.77%4.87%-4.87%32.68%10.33%3.11%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Aadhar Housing Finance Ltd.8.19%34.89%34.89%34.89%34.89%34.89%
PNB Housing Finance Ltd.-6.22%73.70%61.99%28.67%28.67%28.67%

Performance & Financial Health Analysis: Aadhar Housing Finance Ltd. vs PNB Housing Finance Ltd.

MetricAADHARHFCPNBHOUSING
Market Information
Market Cap i₹212.67B₹262.57B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i403,5933,458,278
90 Day Avg. Volume i356,5531,842,709
Last Close₹488.95₹1,017.30
52 Week Range₹411.30 - ₹547.80₹729.60 - ₹1,136.00
% from 52W High-10.74%-10.45%
All-Time High₹547.80 (Sep 24, 2025)₹1,717.65 (Aug 28, 2017)
% from All-Time High-10.74%-40.77%
Growth Metrics
Quarterly Revenue Growth0.20%0.11%
Quarterly Earnings Growth0.18%0.08%
Financial Health
Profit Margin (TTM) i0.48%0.59%
Operating Margin (TTM) i0.65%0.74%
Return on Equity (TTM) i0.14%0.12%
Debt to Equity (MRQ) i255.35261.91
Cash & Liquidity
Book Value per Share (MRQ)₹159.38₹690.29
Cash per Share (MRQ)₹41.38₹117.05
Operating Cash Flow (TTM) i₹-6,486,300,000₹78.82B
Levered Free Cash Flow (TTM) i₹9.12B₹22.91B
Dividends
Last 12-Month Dividend Yield iN/A0.51%
Last 12-Month Dividend iN/A₹5.00

Valuation & Enterprise Metrics Analysis: Aadhar Housing Finance Ltd. vs PNB Housing Finance Ltd.

MetricAADHARHFC (Apr 26, 2026)PNBHOUSING (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i20.9511.47
Forward P/E i15.959.65
PEG Ratio i1.250.32
Price to Sales (TTM) i9.927.11
Price to Book (MRQ) i3.061.46
Market Capitalization
Market Capitalization i₹212.67B₹262.57B
Enterprise Value i₹369.61B₹676.43B
Enterprise Value Metrics
Enterprise to Revenue i17.2418.31
Enterprise to EBITDA i16.61N/A
Risk & Other Metrics
Beta iN/A0.05
Book Value per Share (MRQ) i₹159.38₹690.29

Financial Statements Comparison: Aadhar Housing Finance Ltd. vs PNB Housing Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricAADHARHFC (2025)PNBHOUSING (2026)
Revenue/Sales i28.35B34.94B
Cost of Goods Sold i4.17BN/A
COGS % of Revenue i14.7%0.0%
Gross Profit i24.18BN/A
Gross Margin i85.3%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i21.31BN/A
Operating Margin i75.1%0.0%
EBITDA i22.25BN/A
EBITDA Margin i78.5%0.0%
Pre-Tax Income i11.73B29.71B
Pre-Tax Income % of Revenue i41.4%85.0%
Income Tax i2.61B6.79B
Income Tax % of Revenue i9.2%19.4%
Net Income (Profit) i9.12B22.91B
Profit Margin i32.2%65.6%

Balance Sheet & Liquidity Metrics

MetricAADHARHFC (2025)PNBHOUSING (2026)
Cash & Equivalents i8.78B33.39B
Total Current Assets i51.89BN/A
Total Current Assets % of Revenue i183.0%0.0%
Total Current Liabilities i25.88BN/A
Total Current Liabilities % of Revenue i91.3%0.0%
Long-Term Debt i141.80B531.43B
Long-Term Debt % of Revenue i500.1%1,521.2%
Total Shareholders Equity i63.72B192.19B
Retained Earnings i23.81BN/A
Retained Earnings % of Revenue i84.0%0.0%
Property, Plant & Equipment i893.20M2.41B

Cash Flow Statement Comparison

MetricAADHARHFC (2025)PNBHOUSING (2026)
Operating Cash Flow i-6.49B78.82B
Operating Cash Flow % of Revenue i-22.9%225.6%
Capital Expenditures i-145.90M-322.90M
Free Cash Flow i-30.41B-90.17B
FCF Margin i-107.3%-258.1%
Debt Repayment i-35.25B-441.44B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricAADHARHFCPNBHOUSING
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i435.70M260.55M
Float Shares i106.79M175.58M
% Held by Insiders i10.44%28.04%
% Held by Institutions i8.97%48.74%
% Held by Public i80.59%23.22%

Dividend Analysis & Yield Comparison: Aadhar Housing Finance Ltd. vs PNB Housing Finance Ltd.

MetricAADHARHFCPNBHOUSING
Last 12-Month Dividend iN/A₹5.00
Last 12-Month Dividend Yield iN/A0.51%
3-Year Avg Annual Dividend iN/A₹1.67
3-Year Avg Dividend Yield iN/A0.51%
3-Year Total Dividends iN/A₹5.00
Ex-Dividend DateN/AAug 01, 2025