Aadhar Housing Finance (BOM:544176) EBIT: ₹13,009 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:544176 Aadhar Housing Finance Ltd BOM:544176
36 GF Score
Price ₹467.85
! 6 Warning Signs
View Full Analysis

What is Aadhar Housing Finance EBIT?

Aadhar Housing Finance BOM:544176 -0.69% 36 EBIT is ₹13,009 Mil as of Jun. 2026. GuruFocus rates BOM:544176 with a GF Score™ of 36/100. The stock has 6 warning signs investors should review.

Aadhar Housing Finance's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2026 was ₹3,352 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹13,009 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Aadhar Housing Finance's annualized ROC % for the quarter that ended in Jun. 2026 was 3.98%. Aadhar Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 991.57%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Aadhar Housing Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 3.44%.


Aadhar Housing Finance  (BOM:544176) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Aadhar Housing Finance's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2026 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=13406 * ( 1 - 22.35% )/( (261621.6 + 0)/ 1 )
=10409.759/261621.6
=3.98 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=273988.4 - 1562.6 - ( 13847.5 - max(0, 45394.8 - 56199+13847.5))
=261621.6

Note: The Operating Income data used here is four times the quarterly (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Aadhar Housing Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Jun. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2026  Q: Jun. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=13406/( ( (1352 + max(-8329.4, 0)) + (0 + max(0, 0)) )/ 1 )
=13406/( ( 1352 + 0 )/ 1 )
=13406/1352
=991.57 %

where Working Capital is:

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(270.2 + 0 + 1153.1) - (1562.6 + 0 + 8190.1)
=-8329.4

Working Capital(Q: Jun. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Jun. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Aadhar Housing Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=13009.2/378710.264
=3.44 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Aadhar Housing Finance EBIT Related Terms


Aadhar Housing Finance EBIT Historical Data

* Premium members only.

The historical data trend for Aadhar Housing Finance's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Aadhar Housing Finance EBIT Chart

Aadhar Housing Finance Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial 13,055.10 14,793.80 19,310.90 23,313.40 27,512.20

Aadhar Housing Finance Quarterly Data
Mar21 Mar22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,914.10 3,055.90 3,337.10 3,264.70 3,351.50

BOM:544176 vs RKT, FNMA, PFSI: EBIT Comparison

For the Mortgage Finance subindustry, Aadhar Housing Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Aadhar Housing Finance EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, Aadhar Housing Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Aadhar Housing Finance's EV-to-EBIT falls into.


BOM:544176
36GF Score
Aadhar Housing Finance Ltd BOM:544176
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Aadhar Housing Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹13,009 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹13,009 Mil mean?
Aadhar Housing Finance (BOM:544176) has a EBIT of ₹13,009 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Aadhar Housing Finance.
Is Aadhar Housing Finance's EBIT too high?
Aadhar Housing Finance's current EBIT is ₹13,009 Mil. Overall, Aadhar Housing Finance has a GF Score™ of 36/100, reflecting its overall financial health beyond just this single metric.
How does Aadhar Housing Finance's EBIT compare to RKT and FNMA?
Aadhar Housing Finance's EBIT of ₹13,009 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Aadhar Housing Finance. Aadhar Housing Finance's current EBIT is ₹13,009 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aadhar Housing Finance stock overvalued right now?
Aadhar Housing Finance (BOM:544176) has a current EBIT of ₹13,009 Mil. The current EBIT is ₹13,009 Mil. Aadhar Housing Finance's overall GF Score™ is 36/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Aadhar Housing Finance (BOM:544176), the current EBIT is ₹13,009 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Aadhar Housing Finance Business Description

Other Exchanges AADHARHFC:India
Address Junction of Western Express Highway and M. V. Road, Unit No. 802, 8th Floor, Natraj by Rustomjee, Andheri (East), Mumbai, MH, IND, 400069
Aadhar Housing Finance Ltd is a housing finance company. It provides home loan services to the low-to-middle-income group segment in the low-income housing finance sector. The Company offers a range of mortgage-related loan products, including loans for residential property purchase and construction; home improvement and extension loans; loans for commercial property construction and acquisition, and loans against residential properties. Geographically, it generates all of its revenue within India.
36GF Score

Get the complete analysis for BOM:544176

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹467.85
Price