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

PNB Housing Finance Ltd.

NSE
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Aadhar Housing Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

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

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PNBHOUSING
AADHARHFC

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricPNBHOUSINGAADHARHFC
Market Information
Market Cap i₹262.57B₹212.67B
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i3,458,278403,593
90 Day Avg. Volume i1,842,709356,553
Last Close₹1,017.30₹488.95
52 Week Range₹729.60 - ₹1,136.00₹411.30 - ₹547.80
% from 52W High-10.45%-10.74%
All-Time High₹1,717.65 (Aug 28, 2017)₹547.80 (Sep 24, 2025)
% from All-Time High-40.77%-10.74%
Growth Metrics
Quarterly Revenue Growth0.11%0.20%
Quarterly Earnings Growth0.08%0.18%
Financial Health
Profit Margin (TTM) i0.59%0.48%
Operating Margin (TTM) i0.74%0.65%
Return on Equity (TTM) i0.12%0.14%
Debt to Equity (MRQ) i261.91255.35
Cash & Liquidity
Book Value per Share (MRQ)₹690.29₹159.38
Cash per Share (MRQ)₹117.05₹41.38
Operating Cash Flow (TTM) i₹78.82B₹-6,486,300,000
Levered Free Cash Flow (TTM) i₹22.91B₹9.12B
Dividends
Last 12-Month Dividend Yield i0.51%N/A
Last 12-Month Dividend i₹5.00N/A

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

MetricPNBHOUSING (Apr 24, 2026)AADHARHFC (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i11.4720.95
Forward P/E i9.6515.95
PEG Ratio i0.321.25
Price to Sales (TTM) i7.119.92
Price to Book (MRQ) i1.463.06
Market Capitalization
Market Capitalization i₹262.57B₹212.67B
Enterprise Value i₹676.43B₹369.61B
Enterprise Value Metrics
Enterprise to Revenue i18.3117.24
Enterprise to EBITDA iN/A16.61
Risk & Other Metrics
Beta i0.05N/A
Book Value per Share (MRQ) i₹690.29₹159.38

Financial Statements Comparison: PNB Housing Finance Ltd. vs Aadhar 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

MetricPNBHOUSING (2026)AADHARHFC (2025)
Revenue/Sales i34.94B28.35B
Cost of Goods Sold iN/A4.17B
COGS % of Revenue i0.0%14.7%
Gross Profit iN/A24.18B
Gross Margin i0.0%85.3%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A21.31B
Operating Margin i0.0%75.1%
EBITDA iN/A22.25B
EBITDA Margin i0.0%78.5%
Pre-Tax Income i29.71B11.73B
Pre-Tax Income % of Revenue i85.0%41.4%
Income Tax i6.79B2.61B
Income Tax % of Revenue i19.4%9.2%
Net Income (Profit) i22.91B9.12B
Profit Margin i65.6%32.2%

Balance Sheet & Liquidity Metrics

MetricPNBHOUSING (2026)AADHARHFC (2025)
Cash & Equivalents i33.39B8.78B
Total Current Assets iN/A51.89B
Total Current Assets % of Revenue i0.0%183.0%
Total Current Liabilities iN/A25.88B
Total Current Liabilities % of Revenue i0.0%91.3%
Long-Term Debt i531.43B141.80B
Long-Term Debt % of Revenue i1,521.2%500.1%
Total Shareholders Equity i192.19B63.72B
Retained Earnings iN/A23.81B
Retained Earnings % of Revenue i0.0%84.0%
Property, Plant & Equipment i2.41B893.20M

Cash Flow Statement Comparison

MetricPNBHOUSING (2026)AADHARHFC (2025)
Operating Cash Flow i78.82B-6.49B
Operating Cash Flow % of Revenue i225.6%-22.9%
Capital Expenditures i-322.90M-145.90M
Free Cash Flow i-90.17B-30.41B
FCF Margin i-258.1%-107.3%
Debt Repayment i-441.44B-35.25B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPNBHOUSINGAADHARHFC
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i260.55M435.70M
Float Shares i175.58M106.79M
% Held by Insiders i28.04%10.44%
% Held by Institutions i48.74%8.97%
% Held by Public i23.22%80.59%

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

MetricPNBHOUSINGAADHARHFC
Last 12-Month Dividend i₹5.00N/A
Last 12-Month Dividend Yield i0.51%N/A
3-Year Avg Annual Dividend i₹1.67N/A
3-Year Avg Dividend Yield i0.51%N/A
3-Year Total Dividends i₹5.00N/A
Ex-Dividend DateAug 01, 2025N/A