Models
AADHAR HOUSING FINANCE LAADHARHFCFinance
₹357per share · Base Model Note
The horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.
Scenario
Value per share, your model₹357implied P/B 2.07× on FY26 book
Against CMP ₹436.65−18.2%close of 27 Oct 2026
Cost of equity10.34%risk-free + beta × equity risk premium
Book equity, FY26₹172per share · excess returns add ₹185
This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.
Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity
| ₹ crore | FY27 | FY28 | FY29 | FY30 | FY31 |
|---|---|---|---|---|---|
| Opening book equity | 7,541 | 8,634 | 9,886 | 11,320 | 12,961 |
| Net income at 14.5% ROE | 1,093 | 1,252 | 1,434 | 1,641 | 1,879 |
| Cost of equity charge at 10.34% | (780) | (893) | (1,023) | (1,171) | (1,341) |
| Excess return | 313 | 359 | 411 | 471 | 539 |
| Present value | 298 | 310 | 321 | 333 | 346 |
| Closing book equity | 8,634 | 9,886 | 11,320 | 12,961 | 14,841 |
| Book equity today | 7,541 |
| PV of 5 years of excess return | 1,609 |
| PV of the terminal excess return, 5% flat | 6,472 |
| add non-operating investments | 0 |
| Equity value | 15,622 |
| ÷ 43.73 crore shares | ₹357 |
Where the methods land · ₹ per share · the dashed line is the CMP
52-week rangetraded range, a fact not a value
₹427₹563
Scenarios side by side · ₹ per share
| Scenario | Template | Growth | Margin | Rate | Terminal | ₹ / share | vs CMP |
|---|---|---|---|---|---|---|---|
| Base · editing | Excess return | ROE 14.5% | — | 10.34% | 5% | ₹357 | (18.2)% |
A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.