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Aadhar Housing FinanceBOM:544176 -0.69%36 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 1.81. GuruFocus rates BOM:544176 with a GF Score™ of 36/100. The stock has 6 warning signs investors should review. Among 19 Banks companies, Aadhar Housing Finance ranks worse than 5263152.63% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Aadhar Housing Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹3,352 Mil. Aadhar Housing Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Aadhar Housing Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Aadhar Housing Finance's Interest Coverage or its related term are showing as below:
BOM:544176's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 26.97 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Aadhar Housing Finance Interest Coverage Related Terms
Aadhar Housing Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Aadhar Housing Finance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:544176 vs RKT, FNMA, PFSI: Interest Coverage Comparison
For the Mortgage Finance subindustry, Aadhar Housing Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Aadhar Housing Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Aadhar Housing Finance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Aadhar Housing Finance (BOM:544176) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Aadhar Housing Finance and its competitors. This is 45% below median its historical median of 1.81. Over the past decade, Aadhar Housing Finance's Interest Coverage has ranged from 1.55 to 1.90. According to the industry distribution chart, Aadhar Housing Finance ranks #999999 out of 19 companies in the Banks industry.
Is Aadhar Housing Finance's Interest Coverage too high?
Aadhar Housing Finance's current Interest Coverage of No Debt (1) is 45% below median its 10-year median of 1.81. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 1.90. Based on the distribution chart, Aadhar Housing Finance ranks #999999 out of 19 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to RKT and FNMA?
According to the Banks industry distribution chart, Aadhar Housing Finance ranks #999999 out of 19 companies for Interest Coverage. This places Aadhar Housing Finance in the lower half of its industry. The industry median Interest Coverage is 26.97. Historically, Aadhar Housing Finance's own Interest Coverage has ranged from 1.55 to 1.90 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 26.97, based on 19 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Aadhar Housing Finance and its competitors. For the Banks industry, the median Interest Coverage is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aadhar Housing Finance's current Interest Coverage is No Debt (1), which is 45% below median its own 10-year median of 1.81. 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 Interest Coverage of No Debt (1). The current Interest Coverage is No Debt (1), which is 45% below median its 10-year median of 1.81. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Aadhar Housing Finance (BOM:544176), the current Interest Coverage is No Debt (1) 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 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.
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